EGL SUPREME CRUISE TRAVEL INSURANCE PLAN IMPORTANT: This Certificate of Insurance will not be valid unless a receipt with company stamp of the Policyh

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2 EGL SUPREME CRUISE TRAVEL INSURANCE PLAN IMPORTANT: This Certificate of Insurance will not be valid unless a receipt with company stamp of the Policyholder is attached hereto. This Certificate of Insurance is a summary of the coverage provided under the Master Policy issued to the Policyholder. It is descriptive only. The precise coverage afforded is subject to the terms, conditions and exclusions of the Master Policy as issued. In the event of an inconsistency between the Master Policy and this Certificate of Insurance, the Master Policy shall control. A copy of the Master Policy is available for inspection during normal business hours at the office of the insurer underwriting coverage: Fidelidade Macau Insurance Company Limited, Av. Praia Grande No.567, 14/F, BNU Building, Macau. Certain words and phrases that appear in bold print have special meanings. Definitions appear in Part I: Definitions of this Certificate of Insurance. Please read this Certificate of Insurance carefully. The Company in reliance upon the statements made in the Policyholder s proposal for insurance and in the application form completed by the Insured, if any, forming a part of this Policy and in consideration of the premium paid by the Insured, agrees to insure the Insured against loss covered under the Policy subject to and in accordance with the exclusions, limitations, provisions, and terms described herein. SCHEDULE OF BENEFITS 1 A B C A 14B 14C 14D 14E 15A 15B All in HK$ Personal Accident - Accident whilst in a common carrier - Other Accident - Burns Benefit (2nd and 3rd degree) * A person over the age of 75 or under 17 will be entitled to a maximum benefit of Medical Expenses - Follow-up medical treatment within 90 days Emergency Medical Evacuation Return of Mortal Remains Hospital Income ($500 per day) Compassionate Visit Child Escort Personal Baggage Golf Cover: hole-in-one Personal Money Loss of Travel Document Emergency Cash Trip Cancellation Trip Curtailment Trip Re-arrangement Cruise Cancellation Satellite Phone Fee Excursion Tour Cancellation Travel Delay Trip cancellation due to Travel Delay Baggage Delay (8 hours or above) Personal Liability Rental Vehicle Excess Towing Expenses Trip Cancellation Allowance Ski Package Consolation Benefit Kidnap Benefit ($500 per day) Amount of Benefit Supreme Plan $1,000,000* $500,000* $500,000* $250,000 $1,000,000 $150,000 No Limit No Limit $5,000 $30,000 $30,000 $15,000 $1,000 $2,500 $15,000 $1,400 $60,000 $60,000 $60,000 $30,000 $2,000 $10,000 $2,000 $2,500 $1,000 $2,500,000 $10,000 $1,500 $1,500 $1,500 $20,000 $15,000 PART I: DEFINITIONS A Second Degree Burn means both the epidermis and the underlying dermis are damaged. A Third Degree Burn means the damage or destruction of the skin to its full depth and damage to the tissues beneath. Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance. Accidental Bodily Injury means physical bodily injury which is Accidental and is the direct and independent cause of the loss for which claim is made during the Term of Coverage. Actual Cash Value means the Replacement Cost for lost or damaged property, less allowance for physical deterioration and depreciation, including obsolescence in respect of articles more than one year old. Amount of Benefit means the amount selected by the Insured in the application form and shown in the Schedule, and for which the premium has been paid. Burns means tissue damage caused by the agent as heat only. Close Business Partner a close business partner of the insured person proved as such to the satisfaction of us on the basis of business registration or corporate registration documentation, which is acceptable to us. Company means: Fidelidade Macau Insurance Company Limited. Covered Trip means the period of travel commencing when the Insured leaves the immigration counter at Macau on the departure date for the purpose of commencement of the Insured trip and until the expiry of the period of travel insurance or the Insured arrival at the immigration counter for returning to Macau or the declared country of final destination after the Insured trip, whichever first occur. Degree means the unit of measurement for the Burns customarily used by the local government in the place where this Policy is issued. Emergency Medical Treatment means necessary medical treatment of any sudden, life threatening Accidental Bodily Injury or Sickness during a Covered Trip, where time is of the essence

3 Excess means the deductible amounts of the Rental Vehicle insurance policy or any other insurance coverage available to the Insured. Hijack or Hijacking means the unlawful seizure or wrongful exercise of control of an aircraft or conveyance and its crew, in which the Insured is travelling. Macau means the Macau Special Administrative Region. Immediate Family Member means spouse, children, siblings, parents, parents-in-law, grandparents, legal guardian, grandchildren, grandparents-in-law. Indemnity means amounts the Insured shall be legally obligated to pay to an injured party for (a) loss or damage to property of others; (b) expenses incurred for first aid or land/marine ambulance service; or (c) expenses incurred in the conduct of suit, lawyer s fees for arbitration, compromise or conciliation, all incurred by the Insured with the consent of the Company. Insured means the person or persons named in the Schedule and for whom the required premium has been paid. Kidnap means the illegal abduction and holding hostage of one or more Insured for the purpose of demanding. Loss of Hearing means Permanent irrecoverable loss of hearing where one sixth of a+2b+2c+d is above 80 db. (a db=hearing loss at 500 Hertz, b db=hearing loss at 1,000 Hertz, c db=hearing loss at 2,000 Hertz, d db=hearing loss at 4,000 Hertz) Loss of Speech means the inability to articulate any three of the four sounds which contribute to speech, as follows: the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds. Loss of Speech also means total loss of use of vocal cords or damage to the speech centre in the brain, resulting in Aphasia. Loss of Sight means complete blindness which is Permanent and incurable. Medical Facility means a licensed clinic, hospital or similar institution operating primarily for the reception, care and treatment of sick, ailing or injured persons as inpatients and providing 24-hour nursing service by licensed, registered, or graduate nurses, and having a staff of one or more licensed Physicians available at all times and which provides organised facilities for diagnosis and surgical procedures. Permanent means lasting twelve (12) consecutive months from the date of Accident and at the expiry of that period being beyond hope of improvement. Permanent Total Disablement means the Insured is prevented from engaging in each and every occupation or employment for compensation or profit for which the Insured is reasonably qualified by reason of education, training or experience, or if the Insured has no business or occupation, from attending to any duties which would normally be carried out by the Insured in the Insured s daily life, and such disability has continued for twelve (12) consecutive months. This condition must be certified by a Physician. Physician means a person who is recognised by the laws of the jurisdiction in which treatment is received as qualified to treat the Sickness or Accidental Bodily Injury, and who is not an Immediate Family Member of the Insured. Policyholder means the organisation to whom the Master Policy has been issued and who has issued a receipt and this Certificate to the Insured. Program Medical Advisor means Emergency Assistance Provider or its authorized representatives. Public Common Carrier means any mechanically propelled conveyance operated by a company or an individual licensed to carry passengers for hire. Rental Vehicle means any vehicle rented by the Insured pursuant to a licensed rental vehicle agreement, for or during a Covered Trip. Replacement Cost means the cost on the date of loss to repair or replace lost or damaged property with material of like kind and quality, including customs duties, but not more than the Insured actually spends to repair or replace the property at the same or another premises for the same use in the same country. There is no deduction for depreciation. Robbery means loss of or damage to baggage or personal property caused by use of intimidation or force to deprive the Insured of such baggage or personal property. Serious Injury or Serious Sickness means an Accidental Bodily Injury or Sickness which requires treatment by a Physician or in the opinion of the Program Medical Advisor requires treatment and certified: - Dangerous to the Insured s or Immediate Family Member s life or unable to travel or continue with the original travel arrangement; - Dangerous to the Traveling Companion s life or unable to continue with the original travel arrangement; - Dangerous to the Close Business Partner s life. Sports Equipment means any set/pair of sports equipment which is neither mechanically propelled nor wearable on body. Sickness means illness or disease commencing during the Term of Coverage which is the direct and independent cause of loss for which claim is made, and which requires the attendance of a Physician and Physician s certificate can be provided. Theft means loss of or damage to baggage or personal property caused by the taking of such baggage or personal property without the Insured s consent, other than Robbery. Transfer means the least expensive means of scheduled Public Common Carrier transportation available and necessary to effect Emergency Medical Evacuation, Return of Mortal Remains, Compassionate Visit or Child Escort for the Insured, as per Sections 3, 4, 6 and 7. Transfer Expenses means direct out of pocket expenses determined to be reasonable and necessary to provide the Insured with Emergency Medical Evacuation, Return of Mortal Remains, Compassionate Visit and Child Escort services, less any monies refundable for the original return fare, as per Sections 3, 4, 6 and 7. Travel Provider means a firm in the travel industry that arranges travel for a fee. Travelling Companion means a person who travels with the Insured for the entire Covered Trip on shareroom basis. PART II : DESCRIPTION OF COVERAGE SECTION 1. PERSONAL ACCIDENT This section is extended to cover the injury sustained by the Insured while he/she is traveling directly from the place of residence in Macau to the immigration counter within five (5) hours before the scheduled departure time of the Public Common Carrier in which the Insured has arranged to travel for the purpose of commencement of the Covered Trip; and while he/she is traveling directly from the immigration counter in Macau to his/her place of residence within five (5) hours after the actual arrival time of the Public Common Carrier after completion of his/her Covered Trip. SECTION 1A. ACCIDENT WHILST IN A COMMON CARRIER (i) the Insured sustains Accidental Bodily Injury which arises out of an Accident occurring while the Insured is riding as a fare paying passenger in or on, boarding or alighting from a Public Common Carrier or riding in an automobile; and (ii) the Accidental Bodily Injury sustained causes the Insured to suffer loss of life, Permanent Total Disablement or other loss, then the Company will pay under this Section 1A, the compensation in the form of a percentage of the Amount of Benefit stated in the Schedule, as set forth below: 1. Death 100% 2. Permanent Total Disablement 100% 3. Permanent Loss or Incurable Paralysis of All Limbs 100% 4. Permanent Total Loss of Sight in both eyes 100% 5. Permanent Total Loss of Sight in one eye 100% 6. Loss of or the Permanent Total Loss of Use of two limbs 100% 7. Loss of or the Permanent Total Loss of Use of one limb 100% 8. Permanent and Total Loss of Speech and Hearing 100% 9. Permanent and Total Loss of Hearing in both ears 75% 10. Permanentt and Total Loss of Hearing in one ear 15% - 2 -

4 SECTION 1B. OTHER ACCIDENT: Other than Section 1A: a) Loss of life: If Accidental Bodily Injury to the Insured, sustained during a Covered Trip, causes loss of life within 365 days of the date of Accident, the Company will pay 100% of the Amount of Benefit stated in the Schedule, for Insureds from the ages of 17 to 75 years. b) Other Loss: If Accidental Bodily Injury to the Insured, sustained during a Covered Trip, causes loss as stated above within 365 days from the date of Accident, the Company will pay compensation in the form of a percentage of the Amount of Benefit stated in the Schedule, as set forth in item 2 to 10 above. For Insureds under 17 or over 75 years of age, the above percentage of the Amount of Benefit payable for covered loss under Sections 1A and 1B shall subject to not exceeding HK$250,000. Permanent and total loss includes Permanent and total loss of use of such organ(s). The Company shall pay compensation under this Section for only one item of loss with the greatest amount. The Company will not pay more than the Amount of Benefit stated in the Schedule, for all of the Accidental Bodily Injuries resulting from one Accident. Disappearance: If the Insured s body has not been found within one (1) year after the date of the disappearance, sinking or wrecking of the aircraft or other conveyance either on the ground or at sea in which the Insured was travelling at the time of the injury and under such circumstances as would otherwise be covered hereunder, it will be presumed that the Insured suffered loss of life resulting from Bodily Injury caused by an Accident covered by the Policy at the time of such disappearance, sinking or wrecking. SECTION 1C. BURNS BENEFIT If as a result of Accidental Bodily Injury the Insured is diagnosed by Physician to have suffered any of the Events listed hereunder, the Company will pay the Insured in respect of the following Events according to the percentage bearing hereunder. Events Percentage of Compensation Burns, Second Degree or Third Degree On 45% or more of body surface 100% On 27% or more of body surface 60% On 18% or more of body surface 50% On 9% or more of body surface 30% On 4.5% or more of body surface 20% Compensation shall not be payable for more than one of the above Events in respect of the same Accidental Bodily Injury. Should more than one of the Events occur from the same Accidental Bodily Injury, the Company shall only be liable for the greatest Compensation. For Insureds under 17 or over 75 years of age, the above percentage of the Amount of Benefit payable for covered loss under this Section 1C shall subject to not exceeding HK$250,000. The Compensation payable for loss of life under Section 1A or 1B, if any, shall be reduced by any Compensation payable under this Section 1C in respect of the same Accidental Bodily Injury. SECTION 2. MEDICAL EXPENSES If Accidental Bodily Injury or Sickness suffered by an Insured during a Covered Trip requires treatment by a Physician, confinement in a Medical Facility, treatment performed by a health care service if continued hospitalisation would otherwise have been required, x-ray examination, medicines and/or required consumables, the use of land/marine ambulance, the Company will reimburse the reasonable costs of such goods and services actually rendered overseas (except meals and foodstuffs) within 365 days from the date of loss, up to the Amount of Benefit stated in the Schedule. Cost of medical report / certificate in relation to the treatment received overseas will be reimbursed up to HK$300 per visit per day. The Company will reimburse the reasonable costs for dental treatment as a result of an Accidental Bodily Injury to sound and natural teeth, and 80% reimbursement subject to not exceeding HK$ 1,000, for the relief of sudden and acute pain suffered by an Insured during a Covered Trip, provided the dental treatment is considered necessary certified by the Physician. Follow-up medical expenses incurred after returning to Macau, and for which treatment has been initially sought overseas, will be covered for up to 90 days period after returning to Macau, up to the Amount of Benefit for Follow-up medical treatment stated in the Schedule. Out-patient medical treatment will subject to HK$300 per visit per day for registered general practitioner/physiotherapist and HK$600 per visit per day for registered medical specialist/x-ray and lab test. Written referral from a Physician is required to obtain treatment from a registered medical specialist/physiotherapist and for X-ray/lab test. Such follow-up medical expenses shall extend to include expenses payable to Registered or Listed Chinese bonesetter, acupuncturist and Chinese Medicine Practitioner up to HK$3,000 per Accidental Bodily Injury or Sickness, subject to not exceeding HK$150 per visit per day. If Accidental Bodily Injury or Sickness is during a Covered Trip, the Company will reimburse land transportation cost for medical purpose up to HK$200 per round trip per day and subject to maximum HK$1,000 per Insured per Covered Trip. In no circumstances shall the overall reimbursement payable under this Section 2 exceed 100% of the Amount of Benefit stated in the Schedule. SECTION 3. EMERGENCY MEDICAL EVACUATION If Accidental Bodily Injury or Sickness of an Insured occurs during a Covered Trip and requires Emergency Medical Treatment not available locally, the Company will pay up to the Amount of Benefit stated in the Schedule, the Transfer Expenses incurred if it becomes medically necessary to Transfer the Insured to a more appropriate Medical Facility, or return to Macau if necessary, less any monies refundable from the original return airfare. The Transfer shall be approved by the Program Medical Advisor. SECTION 4. RETURN OF MORTAL REMAINS If an Insured dies during a Covered Trip as a result of Accidental Bodily Injury or Sickness, the Company will pay the Transfer Expenses incurred for the Transfer of mortal remains to Macau. The Transfer shall be approved by the Program Medical Advisor. SECTION 5. HOSPITAL INCOME The Company will pay the Insured HK$500 per day for confinement abroad as a result of covered Accidental Bodily Injury or Sickness, and subsequent confinement within 90 days after returning to Macau, up to the Amount of Benefit stated in the Schedule. Such confinement shall be as an in-patient in a Medical Facility under treatment by any Physician. One day of confinement shall mean a period for which a Medical Facility makes a change for room and board. Payment shall be made after the period of confinement ends. SECTION 6. COMPASSIONATE VISIT If the Insured is hospitalised for over 24 hours or dead in a foreign country, the Company will reimburse the Transfer Expenses to include a round-trip, economy class air ticket and accommodation to bring one Immediate Family Member, or a person whose presence is necessary, chosen by the Insured, or if no Insured alive, chosen by the Company, traveling to or stay behind at the place of hospitalisation, provided the Transfer is considered necessary by the Program Medical Advisor. The Company s liability for all Transfers as described above shall not exceed the maximum Amount of Benefit stated in the Schedule. SECTION 7. CHILD ESCORT If an Insured is below 17 years of age, and is left unattended by the hospitalisation or death of the accompanying Insured adult, the Company will reimburse Transfer Expenses to include a one-way economy class air ticket, plus escort services, for the unattended Insured child to return to Macau, provided the Transfer is considered necessary by the Program Medical Advisor. The Company s liability for all Transfers as described above shall not exceed the maximum Amount of Benefit stated in the Schedule

5 SECTION 8. PERSONAL BAGGAGE NOTIFY ANY LOSS IMMEDIATELY TO THE PROPER AUTHORITIES: Obtain a Police Report! This is Required to Process Your Claim! The Company will reimburse the Insured up to HK$3,000 for each set/pair of item, subject to the total Amount of Benefit stated in the Schedule for all items, arising out of Accidental loss of or damage to the Insured s baggage and personal property contained in such baggage which occurs during a Covered Trip. The Company s liability will be the Actual Cash Value of the article at the time of loss. The Insured must take every possible step to safeguard their accompanied baggage or personal property, and not leave them unattended. The loss or damage must occur: (a) as a result of an Accident; or (b) while the baggage or personal property is in the possession of hotel staff or a Public Common Carrier; or (c) as a result of Robbery or Theft. Proof of such losses or damage must be obtained in writing from the hotel management, the Public Common Carrier, or through making a report to the police having jurisdiction over the place of the loss. The police report must be filed within 24 hours of the loss. All such proofs and receipts and proofs of possession must be made available to the Company. For Accidental loss of or damage to Sports Equipment, the maximum reimbursement for each whole set/item shall not exceed HK$ 5,000. The Company s liability under this section for all cameras, including accessories and the like, shall not exceed HK$3,000. The maximum reimbursement for all laptop computers shall not exceed HK$3,000. In no circumstances shall the overall reimbursement payable under this Section 8 exceed 100% of the Amount of Benefit stated in the Schedule. SECTION 9. GOLF COVER: HOLE-IN-ONE If the Insured experiences "Hole-in-One" during a Covered Trip, the Company shall pay the Amount of Benefit stated in the Schedule. Any claim must be accompanied by written proof and documentation of such event. SECTION 10. PERSONAL MONEY While overseas during a Covered Trip, if the Insured experiences a loss of cash, banknotes, money order or traveller cheque, the Company shall pay up to the Amount of Benefit stated in the Schedule to compensate for actual loss incurred. The loss must be reported to the police having jurisdiction over the place of loss within 24 hours of the loss. Any claim must be accompanied by written documentation from the police. The Insured must take every possible precaution to ensure the security of the Insured s cash or banknotes. For Insured aged 12 to 17,the Amount of Benefit under this Section 10 shall not exceed HK$500 per person. This Section 10 does not apply to Insureds under 12 years of age. SECTION 11. LOSS OF TRAVEL DOCUMENT If the Insured experiences a loss of necessary travel documents for immigration clearance and travel ticket while overseas that leads to delay of his/her Covered Trip, the Company shall pay up to the Amount of Benefit stated in the Schedule to compensate for actual loss incurred, including additional travelling expenses, accommodation expenses and replacement fees. Any claim must be accompanied by written documentation from the police having jurisdiction over the place of loss and reported within 24 hours of the loss. SECTION 12. EMERGENCY CASH If the Insured experiences a loss of essential travel documents abroad that prevents the Insured from completing the commenced Covered Trip, the Company will pay HK$200 per calendar day up to the maximum Amount of Benefit stated in the Schedule, until the earliest of the following: a) the document is replaced/recovered; or b) the Insured can continue the Covered Trip; or c) the Insured can leave the place of loss. Proof of such loss must be obtained by a report to the police having jurisdiction over the place of loss. The police report should be filed within 24 hours of the loss. SECTION 13. TRIP CANCELLATION The Company will pay for loss of travel and/or accommodation expenses paid in advance or forfeited by the Insured and for which the Insured is legally liable and which are non-refundable and not recoverable from any other source upon cancellation within one hundred twenty (120) days before the departure of the Covered Trip as a direct result of: 1) The death, Serious Injury or Serious Sickness of the Insured or the Insured s Immediate Family Member. If cancellation of the Covered Trip is due to Serious Injury or Serious Sickness of the Insured or Insured s Immediate Family not resulting in confinement in a hospital as an in-patient, the benefit under this Section will be paid based on 50% of the forfeited amount. 2) The unexpected outbreak of strike, epidemic, riot, civil commotion arising out of events beyond the Insured s control at the planned destination, or the Insured being called up for witness summons, jury service or compulsory quarantine. 3) The Insured s residence being seriously damaged in fire, flooding, inclement weather or natural disaster within one week before departure of the Covered Trip. SECTION 14A. TRIP CURTAILMENT The Company will pay for loss of travel and/or accommodation expenses paid in advance or forfeited by the Insured and/or additional travel and/or accommodation expenses incurred, after the commencement of a Covered Trip which are non refundable and not recoverable from any other source in the case that the Insured must return directly to Macau following Death, Serious Injury or Serious Sickness of the Insured, the Insured s Immediate Family Member or close business partner, or Travelling Companion, or the unexpected outbreak of strike, riot, civil commotion, bad weather, Hijacking, natural disaster, or epidemic at the planned destination which prevent the Insured from continuing the Covered Trip. SECTION 14B. TRIP RE-ARRANGEMENT The Company will pay for additional travel and/or accommodation expenses incurred after the commencement of a Covered Trip which are not recoverable from any other source in the case that the Insured must re-route the Covered Trip due to unexpected outbreak of strike, riot, civil commotion, bad weather, natural disaster, or epidemic at the planned destination which prevent the Insured from continuing the Covered Trip. The Company will only be liable to pay either Section 14A or 14B for the same event. SECTION 14C. CRUISE CANCELLATION The Company will reimburse the Insured up to the Amount of Benefit selected as stated in the Schedule against loss of deposits or charges paid in advance by the Insured and for which he/she is legally liable and which are not recoverable from any other source consequent upon the cancellation of cruise package by reason only of the Public Common Carrier in which the Insured has arranged to travel to enable the Insured to board the cruise being delayed in excess of 12 hours from the arrival time specified in the itinerary supplied to the Insured ( the delay ) being the sole cause of the Insured being unable to aboard the cruise. Such delay must arise from unexpected outbreak of strike by the employees of the Public Common Carrier, bad weather, natural disaster; Hijacking or equipment failure of such Public Common Carrier on which the Insured has arranged to travel during the Covered Trip. SECTION 14D. SATELLITE PHONE FEE The Company will pay up to the Amount of Benefit stated in the Schedule for expense of satellite phone incurred on board of a cruise paid by the Insured, after the commencement of a Covered Trip, in the case that the Insured must return directly to Macau following Accidental Bodily Injury or Sickness of the Insured, or Travelling Companion which prevent the Insured from continuing the Covered Trip. Sections 13,14A,14B,14C and 14D are effective only if the Insured purchases the coverage before becoming aware of any circumstances which could lead to the disruption of the Covered Trip. Should a loss arise for which a claim for Section 14C is payable, no further claims shall be made for benefit of Sections l3, 14A and 14B for the same loss

6 SECTION 14E. EXCURSION TOUR CANCELLATION The Company will pay the Insured up to the Maximum Benefit stated in the Schedule of Benefits for the non-refund and forfeiture of payments made in relation to the excursion tour if the excursion tour is cancelled due to Accidental Bodily Injury or Sickness of the Insured or Inclement weather at the planned destination. SECTION 15A. TRAVEL DELAY In the event the Insured s Covered Trip is delayed by a scheduled Public Common Carrier due to unexpected outbreak of strike by the employees of the Public Common Carrier, bad weather, natural disaster; Hijacking or equipment failure of such Public Common Carrier after the commencement of the Insured s Covered Trip, and the scheduled arrival time is delayed exceeds 5 consecutive hours from the time specified in the itinerary, the Company will pay HK$250 for the first 5 hours delay, and subsequently HK$400 for each and every full 10 consecutive hours delay, up to the Amount of Benefit stated in the Schedule. This coverage is effective only if the Insured purchases the coverage before becoming aware of any circumstances which could lead to the delay of the Covered Trip. The Company will only be liable to pay either Section 14B or 15A for the same event. SECTION 15B. TRIP CANCELLATION DUE TO TRAVEL DELAY The Company will reimburse the Insured up to the maximum Benefit as stated in the Schedule of Benefits for the expenses paid in advance and any amount for which the Insured is legally liable for and are not recoverable from any other source if the Insured decides to cancel the Covered Trip due to unexpected outbreak of strike by the employees of the Public Common Carrier, bad weather, natural disaster, hijacking or equipment failure of such Public Common Carrier which causes delay of schedule departure time from Macau for at least ten (10) hours after the Insured check-in for departure. This coverage is effective only if the Insured purchases the coverage before becoming aware of any circumstances which could lead to the delay of the Covered Trip. The Company will only liable to pay Section 13, 14A, 14B, 15A or 15B for the same event. SECTION 16. BAGGAGE DELAY NOTIFY ANY LOSS IMMEDIATELY TO THE PUBLIC COMMON CARRIER: Obtain a Property Irregularity Form! This is Required to Process Your Claim! The Company will pay the Insured HK$ 500 cash and reimburse maximum HK$500 for the emergency purchase of essential toiletries and clothing if checked-in baggage is being delayed as a result of it being misdirected or temporarily misplaced by the Public Common Carrier that the Insured is riding on for a period of 8 consecutive hours after the Insured s arrival at the airport of the scheduled destination abroad during a Covered Trip. Claims shall not be made for the same loss under both Sections 8 and 16 of this Policy. If loss occurs while the Insured is returning to Macau, the Company will only be liable to the HK$500 cash. In no circumstances shall the overall reimbursement and cash payable under this Section 16 exceed the Amount of Benefit stated in the Schedule. SECTION 17. PERSONAL LIABILITY The Company will pay the Indemnity for damages which the Insured becomes legally liable to pay because of bodily injury to any other person or destruction of property of others caused by an Accident occurring on a Covered Trip during the Period of Insurance stated in the Schedule. The Company s liability shall be limited to the maximum Amount of Benefit stated in the Schedule. However, the Insured must not make any offer or promise of payment or admit his/her fault to any other party, or become involved in any litigation without the Company written approval. SECTION 18. RENTAL VEHICLE EXCESS In the event of loss by theft, collision or damage to a Rental Vehicle during a Covered Trip, the Company will pay the Insured 50% of Excess if the loss incurred in China / Hong Kong, or 80% of Excess if the loss incurred elsewhere other than in China / Hong Kong, that the Insured is legally liable to pay for such loss by Theft, collision or damage, up to the Amount of Benefit stated in the Schedule. The benefit will be payable provided that (a) the vehicle must be hired from a licensed rental agency; (b) the rental agreement includes an Excess (or deductible or similar condition) which makes the Insured liable for loss of or damage to the vehicle; (c) it is as a result of Accidental loss or damage to the vehicle caused by collision or theft while it is in the Insured s control; (d) the Insured has complied with all requirement of the rental agreement which is applicable to the Rental Vehicle; (e) the Insured was at the time of the Accident duly licensed to drive the vehicle and was not taking part in or practicing for speed or time trials of any kind. SECTION 19. TOWING EXPENSES In the event the Rental Vehicle being damaged by collision and towing service required during the Covered Trip, the Company will reimburse the towing expenses to the Insured up to HK$1,500. The benefit will be payable provided that (a) the vehicle must be hired from a licensed rental agency; (b) it is a result of Accidental loss or damage to the vehicle caused by collision while it is in the Insured s control; (c) the Insured has complied with all requirement of the rental agreement which is applicable to the Rental Vehicle; (d) the Insured was at the time of Accident duly licensed to drive the vehicle and was not taking part in or participating for speed or time trials of any kind. SECTION 20. TRIP CANCELLATION ALLOWANCE In the event the Insured s Covered Trip being cancelled due to Insured s Residence being seriously damaged in fire, bad weather or natural disaster and being uninhabited, within one week before departure of the Covered Trip, the Company will pay HK$1,500 to the Insured. Provided Section 13 Trip Cancellation of this Policy must be paid before the Insured is entitled to this benefit. SECTION 21. SKI PACKAGE If the Insured is unable to ski or snowboard due to Accident or Sickness during the Covered Trip, the Company will reimburse the loss of unused ski pass, equipment hire or tuition which the Insured has paid in advance or legally liable to pay and are not recoverable from any other sources up to HK$1,500. Unused expenses will be calculated in proportion to the number of days of the ski package remaining after the occurrence of the relevant Accident or Sickness. Provided Section 2 Medical Expenses of this Policy must be paid before the Insured is entitled to this benefit. This benefit is not applicable to any group tour package. SECTION 22. CONSOLATION BENEFIT In the event of the Insured Person suffers loss of life during a Covered Trip resulting from Accident or Sickness, the Company will pay the Amount of Benefit stated in the Schedule. SECTION 23. KIDNAP BENEFIT If during the Covered Trip the Insured is kidnapped, the Company shall pay a daily benefit for each completion of twenty-four (24) hours stated in the Schedule Benefits per any one Accident subject to maximum of thirty (30) days. Police report for such kidnapping must be obtained when claim submission

7 PART III: TERM OF COVERAGE Coverage commences when the Insured leaves the immigration counter at Macau on the departure date for the purpose of commencement of the Insured trip and ceases at the earlier of: (a) the expiry of the Period of Insurance specified in the Schedule, or (b) 182 days after the commencement of the Covered Trip, or (c) the Insured s return to his/her place of permanent residence. Extension of Coverage: The Term of Coverage will be extended up to 10 consecutive days at no extra charge if the Insured is unavoidably delayed, the reason for the delay is beyond the Insured s control and the delay prevents the Insured from completing the Covered Trip by the end of the Term of Coverage. The Term of Coverage shall be extended only if consent is given by the Company prior to the expiry of the Period of Insurance specified in the Schedule. PART IV: GENERAL CONDITIONS Assignment and Beneficiary Change: No assignment of interest under the Policy shall be binding upon the Company unless and until the original or a duplicate thereof is filed at the Company. The Company does not assume any responsibility for the validity of an assignment. No change of Beneficiary under the Policy shall bind the Company, unless consent thereto is formally endorsed herein by the Company. No change of Beneficiary under the Policy shall bind the Company, unless the Company receives written notice of such change. Beneficiary: The Loss of life Amount of Benefit will be paid to the beneficiary designated by the Insured in the application form, otherwise as stated in the Schedule. All other Amounts of Benefit are paid to the Insured, except the Amounts of Benefit payable under Sections 3, 4, 6 and 7 which are paid to Emergency Assistance Provider or other provider of services rendered to the Insured. If the Insured has not chosen a beneficiary, or if there is no beneficiary alive when the Insured dies, the Company will pay the Amount of Benefit to the Insured s estate. Claims Investigation: In the event of a claim, the Company may make any investigation it deems necessary and both the Insured and the Policyholder shall co-operate fully with such investigation. Failure by the Insured or the Policyholder to co-operate with the Company s investigation may result in denial of the claim or cancellation of the Policy. Compliance with Policy Provisions: Failure by the Policyholder or the Insured to comply with any of the provisions contained in the Policy shall invalidate all claims hereunder. Contracts (Rights of Third Parties) Ordinance Any person or entity who is not a party to this Policy shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong) to enforce any terms of this Policy. Duplicate Coverages: If the Insured is covered for loss under more than one individual annual or single trip travel insurance policy, or is issued more than one Certificate of Insurance for the same Covered Trip, then the Company will only be liable to pay for one covered loss under all such policies and/or certificates, whichever is the highest, and will refund the premium paid for the duplicate coverage. Entire Contract/ Alteration: The Policy, together with all amendments and other attachments, if any, constitutes the entire contract of insurance. If a proposal form is completed by the Policyholder or an application form is completed by the Insured, that proposal form and/or application form will be part of the Policy. The Policy shall not be modified except by written amendment attached hereto and signed by an authorised representative of the Company. Examination of Books and Records: The Company may examine the Insured s or the Policyholder s books and records relating to the Policy at any time during the Policy term and up to three (3) years after the expiration of the Policy or until final adjustment and settlement of all claims under the Policy. Jurisdiction: The Policy shall be governed and construed in accordance with the laws of Macau. Any dispute under this Policy shall be settled in accordance with the laws of Macau. Legal Action: No legal action shall be brought to recover on the Policy until 60 days after the Company has been given written Proof of Loss. No such action shall be brought after 2 years from the date of loss. Legality: This insurance shall not apply to the extent it is illegal in any jurisdiction, outside the Macau Special Administrative Region, for the citizens of such jurisdiction to be insured by an insurer which is not registered within such jurisdiction. Limits of Liability and Deductibles: The Policy is subject to the Limits of Liability and Deductibles stated in the Schedule. Other Insurance (Applicable to Sections 2, 3, 4, 8, 9, 10, 11, 13, 14, 16, 17 and 18): If a covered loss under the Policy is insured under any other valid policy, prior or current, then the Policy shall cover such loss, subject to its limitations, exclusions, conditions, provisions and other terms, only to the extent that the amount of such loss is in excess of the amount of payment from such other insurance, whether such other insurance is stated to be primary, contributory, excess, contingent or otherwise. Physical Examinations and Autopsy: The Company, at its expense, has the right to have the Insured examined as often as reasonably necessary while a claim is pending. It may also have an autopsy made unless prohibited by law. Refunds: There will be no refund of premium to the Insured once coverage under any Section dedicated to the Covered Trip has become operative. If the Policy is cancelled, the Company will return the unearned pro-rata portion of the premium with respect to any Covered Trip for which coverage has not yet become operative under any Section of the Policy. Rights of Recovery: In the event that authorisation of payment and/or payment is made by the Company or on its behalf by its authorised representatives, to include Emergency Assistance Provider, the Company reserves the right to recover against the Insured the full sum which has been paid, or for which the Company is liable, to a Medical Facility to which the Insured has been admitted, less the Company s liability under the terms of the Policy. Subrogation (Applicable to All Sections Except Sections 1, 5, 12, 15A and 15B):In the event of any payment made under the Policy, the Company shall be subrogated to all the Insured's rights of recovery and indemnity against any person or organisation and the Insured shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The Insured shall take no action to prejudice such rights. Territory: Worldwide. PART V: EXCLUSIONS GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS The Policy does not cover loss arising out of: 1. pre-existing, congenital or heredity conditions. A pre-existing condition means prior Sickness or Accidental Bodily Injury of an Insured, Immediate Family Member of the Insured, Travelling Companion or close business partner, for which medical treatment or advice has been given or the symptoms of which would cause a reasonably prudent person to seek diagnosis, care or treatment within ninety (90) days prior to the commencement of a Covered Trip. For the purpose of Trip Cancellation and Trip Curtailment sections, Sickness or Accidental Bodily Injury should occur after the coverage is purchased but not earlier than 90 days before the commencement of the Covered Trip. 2. travelling abroad contrary to the advice of a Physician, or for the purpose of obtaining medical treatment or services. 3. suicide, attempted suicide or intentional self-infliction of bodily injury. 4. abortion, miscarriage, pregnancy or resulting childbirth. 5. dental cares (unless resulting from Accidental Bodily Injury to sound and natural teeth or for the relief of sudden and acute pain). 6. mental or nervous disorders, insanity. 7. war (whether declared or not), invasion, act of foreign enemies, civil war, revolution, civil unrest amounting to a popular uprising against government, or from the Insured directly participating in riot and strike, or from the Insured performing duties as a member of armed forces, or police, or as a volunteer and engaged in war or crime suppression. 8. participation in professional sports events or an Insured would or could earn income or remuneration from engaging in such sport, racing except on foot, equipped mountaineering (unless approved by the Company). 9. prohibition or regulation by any government, or customs detention

8 10. damage relating to the unlawful, wilful, malicious acts of the Insured. 11. actions of the Insured while under the influence of alcohol or drugs to the extent of legal impairment. 12. riding in any aircraft except as a fare-paying passenger in a properly licensed aircraft flown by a qualified pilot. 13. the Insured s actions in the course of committing a felony or while under arrest by authorities because of commission of a felony. 14. AIDS or AIDS Related Complex, any Accidental Bodily Injury or Sickness commencing at the time of or subsequent to a sero-positive test for HIV or related disease, or any other sexually transmitted diseases. 15. the Insured engaging in manual labour or hazardous work including but not limited to offshore drilling, mineral extraction, handling of explosives, site working, stunt works and aerial photography. 16. the Insured is not taking all reasonable efforts to safeguard his/her property/money, or to avoid injury to minimize any claim under this policy. EXCLUSIONS APPLICABLE TO SECTION 8: PERSONAL BAGGAGE The following causes or property are excluded from coverage under the Policy: 1. Animals, motors/motor vehicles/motorcycles or their accessories, boats or any other conveyances, household furniture, drugs, foodstuffs, antiques, computer parts/software/accessories, mobile telecommunication equipment/accessories, artificial teeth or limbs, securities, tickets, valuable papers other than travel documents or data recorded on disks, tapes, cards or other equipment. 2. Loss or damage caused by wear and tear, gradual deterioration, workmanship or vermin. 3. Loss of or damage to hired or leased equipment. 4. Loss of or damage to business goods or samples. 5. Loss of or damage to unattended baggage sent in advance, souvenirs, or articles mailed or shipped separately, or under custody of other person. 6. Loss by any mysterious disappearance. 7. For breakage or damage to fragile articles. 8. Loss of or damage to the Insured s personal property or baggage left unattended in any vehicle or conveyance, or in any public place or arising out of the Insured s failure to take due care and precautions for the safeguard and security of such property. EXCLUSIONS APPLICABLE TO SECTION 10: PERSONAL MONEY The following causes or property are excluded from coverage under the Policy: 1. Loss of electronic money or monies not in paper form. 2. Loss due to unattended or negligence or under custody of other person. 3. Loss by any mysterious disappearance. EXCLUSIONS APPLICABLE TO SECTIONS 13, 14A, 14B AND 14C: TRIP CANCELLATION, TRIP CURTAILMENT, TRIP RE-ARRANGEMENT AND CRUISE CANCELLATION The Policy does not cover loss arising out of: 1. Government regulation, control or action, bankruptcy, liquidation or default of Travel Provider(s). 2. Public Common Carrier caused cancellations or delays. 3. Changes in plans, financial circumstances and any business or contractual obligations of the Insured, or an Immediate Family Member of the Insured. 4. Any event or circumstance which occurs prior to the Term of Coverage. EXCLUSIONS APPLICABLE TO SECTION 14C: CRUISE CANCELLATION No benefits will be payable for any loss arising from or due to: 1. failure of the Insured to check in according to the itinerary supplied to him/her and obtain written confirmation from the Public Common Carrier or their handling agents on the number of hours and the reason for such delay. 2. strike or industrial action existing on the date when this coverage is purchased. 3. late arrival of the Insured at the airport or port after check-in or booking-in time (except for the late arrival due to strike). 4. Insured not getting on-board the first available alternative transportation offered by the Public common carrier. Should a loss arise for which a claim for Cruise Cancellation is payable, no further claims shall be made for benefits of Trip Cancellation, Trip Curtailment and Trip Re-arrangement for the same loss. EXCLUSIONS APPLICABLE TO SECTION 15B: TRIP CANCELLATION DUE TO TRAVEL DELAY The policy does not cover loss arising out of: 1. Any delay due to any event or occurrence leading up to the relevant delay which is announced before this insurance is purchased. 2. Any loss for which the Insured fails to obtain written confirmation from the Public Common Carrier on the number of hours and the reason of delay. 3. Any loss arising from late arrival of the Insured at the airport or port (e.g. arrival at a time later than the time required for check-in or booking-in except for the late arrival due to strike by the employees of the Public Common Carrier). 4. Any circumstances covered by any other insurance scheme, government programme or which will be paid or refunded by travel agency, tour operator or other provider of any service forming part of the booked itinerary. 5. Any loss arising from failure of insured to get on-board the first available alternative transportation offered by the administration of the relevant Public Common Carrier. EXCLUSIONS APPLICABLE TO SECTION 17: PERSONAL LIABILITY The Policy does not cover loss arising out of: 1. Bodily Injury to any person who is a relative of the Insured or who is in the Insured s custody or control, or damage to property which belongs to the Insured or which is in the Insured s custody or control. 2. Damages relating to any liability assumed under a contract. 3. The ownership, possession, lease or rental of any vehicles, aircraft, firearms or animals. 4. The undertaking of any trade or profession. 5. Any criminal acts or proceedings. EXCLUSIONS TO APPLICABLE TO SECTION 18: RENTAL VEHICLE EXCESS The Policy does not cover loss arising out of: 1. Loss or damage arising out of operation of the Rental Vehicle in violation of the terms of the rental agreement. 2. Loss or damage to a Rental Vehicle arising out of wear and tear, gradual deterioration, mechanical or electrical failure not attributable to accidental damage and damage that existed at the commencement of the period of rental. 3. Any loss or expenses arising from the Insured committing or attempting to commit suicide, or intentionally inflicting self injury. PART VI: HOW TO MAKE A CLAIM Any occurrence or loss which may give rise to a claim should be reported in writing immediately but in any event NOT LATER THAN 30 DAYS AFTER THE INCIDENT TO: Fidelidade Macau Insurance Company Limited (Claims Office), Av. Praia Grande, 599, Edf. Commercial Rodirgues, 6/F- B, Macau Telephone No. (853) address: info@fidelidade.com.mo Proof of Loss: Written Proof of Loss must be given to the Company within 30 days after the date of such loss including original copies of all relevant documentation. The Insured shall notify the Company promptly of the reason and possible time frame for submission when such Proof of Loss is delayed. Failure to give written Proof of Loss within 180 days will invalidate the claim. Time of Payment of Claims: Benefits payable under the Policy will be paid within 30 days of receipt of a completed Proof of Loss