COSMOS INSURANCE COMPANY PUBLIC LTD

<body> <p>This page uses frames, but your browser doesn't support them.COSMOS INSURANCE COMPANY PUBLIC LTD</p> Cosmos Insurance Company, Is an Insurance Company located in Cyprus, Specializing on Motor,Fire,Marine,Cargo,Employers Liability,Accident Insurance etc <p><b style="mso-bidi-font-weight: normal"><u><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">History</span></font></u></b> <ul type="square"> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">Cosmos Insurance Company Public Ltd was founded in 1981 by K.M.Tyllis & Co Ltd and Cosmos General Insurance SA of Athens, Greece. K.M.Tyllis & Co Ltd were the sole agents of Cosmos General Insurance SA in Cyprus since in 1972.</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">In December 1999, the Company adopted new articles of association and from a Private Limited Company it was transformed to a Public Limited Company.</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">In March 2000 the company’s stock was listed on the Cyprus Stock Exchange under the name of “Cosmos Insurance Company Limited”.</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">In July 2004, in accordance with the new European Union Directives, the Company’s name was changed to “Cosmos Insurance Company Public Ltd”.</span></font></li> </ul> <p><b style="mso-bidi-font-weight: normal"><u><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Core Activity</font></span></u></b></p> <p><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Our Core Activity is that of providing general branch insurance products to the Cyprus market through a large distribution network of Agents & Brokers and direct business.</font></span></p> <p> </p> <b style="mso-bidi-font-weight: normal"><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Products</font></span></b> <table height="316" cellSpacing="0" cellPadding="0" width="100%" border="0"> <tbody> <tr> <td vAlign="center" width="100%" colSpan="2" height="1"> <ol> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-bidi-font-weight: normal; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Fire Insurance</font></span></li> </ol> </td> </tr> <tr> <td width="9%" height="21"></td> <td width="91%" height="21"><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Under the Fire Insurance we also offer a variety of Multicover Schemes:</font></span></td> </tr> <tr> <td width="9%" height="85"></td> <td width="91%" height="85"> <ul> <li> <p align="left"><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Household Policy</font></span></p> <li> <p align="left"><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Fire Commercial Policy</font></span></p> <li> <p align="left"><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Office Policy (coming soon)</font></span></p> <li> <p align="left"><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Shop Policy (coming soon)</font></span></p> </li> </ul> </td> </tr> <tr> <td width="100%" colSpan="2" height="197"> <ol start="2"> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Employer’s Liability Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Motor Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Marine / Cargo Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Personal Accident Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Public Liability Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Burglary Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Contractors All Risks Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Money Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Glass Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Business Interruption Insurance</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Travel Insurance</font></span></li> </ol> </td> </tr> </tbody> </table> <b style="mso-bidi-font-weight: normal"><u><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font face="Arial" size="2">Facts & Figures</font></span></u></b> <ul type="square"> <li><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font face="Arial" size="2">Offices in all cities of Cyprus</font></span> <li><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font face="Arial" size="2">55 Employees</font></span> <li><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font face="Arial" size="2">32% increase in Gross Premiums Written as compared to 2003</font></span> <li><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font face="Arial" size="2">35% Estimated increase in Gross Premiums for 2004</font></span> <li><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font face="Arial" size="2">Gross Premiums in 2003 reached CYP£6.275.000</font></span> <li><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font face="Arial" size="2">Estimated Gross Premiums for 2004 anticipated to exceed CYP£8.500.000</font></span> <li><span lang="EN-US" style="mso-bidi-font-weight: bold; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font face="Arial" size="2"><u>Investment analysis graph as at 31.08.2004</u>   </font></span> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-bidi-font-weight: bold; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><u>Gross premium production for the last 8 years</u>  </span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-bidi-font-weight: bold; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><u>Monthly productivity chart</u>   </span></font></li> </ul> <p><b style="mso-bidi-font-weight: normal"><u><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">Strengths</span></font></u></b></p> <ul type="square"> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">Highly experienced and professional staff</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">An extensive network of Agents & Brokers</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">Flexibility</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">Stability</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">Experience and tradition</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">Fully automated on-line systems</span></font> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA">Healthy financial position</span></font></li> </ul> <p><b style="mso-bidi-font-weight: normal"><u><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Market Position</font></span></u></b></p> <ul type="square"> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">4% General Branch Business Market Share for 2003</font></span> <li><span lang="EN-US" style="FONT-FAMILY: Arial; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Anticipated General Branch Business Market Share for 2004 to reach 5%</font></span></li> </ul> <p><u><b style="FONT-FAMILY: Arial; mso-bidi-font-weight: normal; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><span lang="EN-US" style="FONT-FAMILY: Arial; mso-bidi-font-weight: normal; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Board of Directors</font></span></b></u></p> <table cellSpacing="0" cellPadding="0" width="100%" border="0"> <tbody> <tr> <td width="46%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Andreas P. Erotokritou</span></td> <td width="54%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">President</span></td> </tr> <tr> <td width="46%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Michael K. Tyllis</span></td> <td width="54%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Executive Vice President</span></td> </tr> <tr> <td width="46%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Andreas K. Tyllis</span></td> <td width="54%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Managing Director</span></td> </tr> <tr> <td width="46%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Andreas Efthimiou</span></td> <td width="54%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Executive Director</span></td> </tr> <tr> <td width="46%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Frixos Kitromilides</span></td> <td width="54%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Member</span></td> </tr> <tr> <td width="46%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Nikolaos Plakides</span></td> <td width="54%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Member</span></td> </tr> <tr> <td width="46%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Michael Skoufarides</span></td> <td width="54%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Member</span></td> </tr> <tr> <td width="46%"></td> <td width="54%"></td> </tr> <tr> <td width="46%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Christiana A. Erotokritou</span></td> <td width="54%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Secretary</span></td> </tr> </tbody> </table> <p><u><b style="FONT-FAMILY: Arial; mso-bidi-font-weight: normal; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><span lang="EN-US" style="FONT-FAMILY: Arial; mso-bidi-font-weight: normal; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA"><font size="2">Executive Committee</font></span></b></u></p> <table cellSpacing="0" cellPadding="0" width="100%" border="0"> <tbody> <tr> <td width="45%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Andreas Tyllis</span></td> <td width="55%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Managing Director</span></td> </tr> <tr> <td width="45%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Michael Tyllis</span></td> <td width="55%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Executive Vice President</span></td> </tr> <tr> <td width="45%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Panos Joannou</span></td> <td width="55%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Executive Officer Planning & Development</span></td> </tr> <tr> <td width="45%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Panayiotis Hadjipanayis</span></td> <td width="55%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Internal Legal Advisor</span></td> </tr> <tr> <td width="45%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Marinos Iakovides</span></td> <td width="55%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Financial Controller</span></td> </tr> <tr> <td width="45%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">George Larmos</span></td> <td width="55%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Manager Underwriting Department</span></td> </tr> <tr> <td width="45%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Panikos Nikolaou</span></td> <td width="55%"><span lang="EN-US" style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EL; mso-bidi-language: AR-SA; mso-bidi-font-size: 12.0pt">Manager Group Business</span></td> </tr> </tbody> </table> <b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"><u><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; text-shadow: auto"><font face="Arial" size="2">Offered Cover</font></span></u></i></b> <table style="BORDER-COLLAPSE: collapse; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed" cellSpacing="0" cellPadding="0" border="0"> <tbody> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 320.4pt; PADDING-TOP: 0cm" vAlign="top" width="427"> <p class="MsoNormal"><i style="mso-bidi-font-style: normal"><span lang="EL" style="mso-ansi-language: EL; text-shadow: auto"><font face="Arial" size="2"> </font></span></i></p> <ol> <li> <p class="MsoNormal"><i style="mso-bidi-font-style: normal"><font face="Arial" size="2"><b><span lang="EN-US" style="text-shadow: auto">THIRD PARTY LIABILITY</span></b></font></i><font face="Arial" size="2"><b><i style="mso-bidi-font-style: normal"><span lang="EL" style="mso-ansi-language: EL; text-shadow: auto"> <O:P> </O:P> </span></i></b></font></p> <li> <p class="MsoNormal"><b><font size="2"><i style="mso-bidi-font-style: normal"><span lang="EL" style="mso-ansi-language: EL; text-shadow: auto"><font face="Arial"><O:P> </O:P> </font></span></i><font face="Arial"><span style="mso-ansi-language: EN-GB"><i>THIRD PARTY LIABILITY FIRE & THEFT</i><O:P> </O:P> </span></font></font></b></p> <li> <p class="MsoNormal"><i style="mso-bidi-font-style: normal"><font face="Arial" size="2"><b><span lang="EN-US" style="text-shadow: auto">COMPREHENSIVE</span></b></font></i><font face="Arial" size="2"><i style="mso-bidi-font-style: normal"><b><span lang="EN-US" style="mso-ansi-language: EL; text-shadow: auto"> </span></b><span lang="EN-US" style="text-shadow: auto"><b>COVER</b><O:P> </O:P> </span></i></font></p> </li> </ol> <p class="MsoNormal"><font face="Arial" size="2"> <span lang="EL" style="mso-ansi-language: EL"><O:P> </O:P> </span></font></p> </td> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 122.4pt; PADDING-TOP: 0cm" vAlign="top" width="163"> <p class="MsoNormal"><span lang="EL" style="mso-ansi-language: EL"><font face="Arial" size="2"><V:SHAPETYPE id=_x0000_t75 stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600"> <V:STROKE joinstyle="miter" /> <V:FORMULAS> <V:F eqn="if lineDrawn pixelLineWidth 0" /> <V:F eqn="sum @0 1 0" /> <V:F eqn="sum 0 0 @1" /> <V:F eqn="prod @2 1 2" /> <V:F eqn="prod @3 21600 pixelWidth" /> <V:F eqn="prod @3 21600 pixelHeight" /> <V:F eqn="sum @0 0 1" /> <V:F eqn="prod @6 1 2" /> <V:F eqn="prod @7 21600 pixelWidth" /> <V:F eqn="sum @8 21600 0" /> <V:F eqn="prod @7 21600 pixelHeight" /> <V:F eqn="sum @10 21600 0" /> </V:FORMULAS> <V:PATH o:connecttype="rect" gradientshapeok="t" o:extrusionok="f" /> <O:LOCK aspectratio="t" v:ext="edit" /> </V:SHAPETYPE> <V:SHAPE id=_x0000_i1025 style="WIDTH: 117pt; HEIGHT: 96.75pt" type="#_x0000_t75"> <V:IMAGEDATA o:title="j0278882" src="file:///C:/DOCUME~1/stellan/LOCALS~1/Temp/msoclip1/01/clip_image001.wmz" /> </V:SHAPE> <O:P> </O:P> </font></span></p> </td> </tr> </tbody> </table> <table style="BORDER-COLLAPSE: collapse; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed" cellSpacing="0" cellPadding="0" border="0"> <tbody> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 442.8pt; PADDING-TOP: 0cm" vAlign="top" width="590"> <p class="MsoNormal"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"><u><span lang="EN-US" style="text-shadow: auto"><font face="Arial" size="2">THIRD PARTY LIABILITY</font></span></u></i></b><font face="Arial" size="2"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"><u><span lang="EN-US" style="mso-ansi-language: EL; text-shadow: auto"> </span><span lang="EL" style="mso-ansi-language: EL"><O:P> </O:P> </span></u></i></b></font></p> <p class="MsoNormal"><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto"><font face="Arial" size="2">Cover</font></span><font face="Arial" size="2"><span style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto">s </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">for</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">liability</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">due to accidental damage or injuries to third parties.</span><span style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"><O:P> </O:P> </span><i style="mso-bidi-font-style: normal"><span style="mso-ansi-language: EN-GB; text-shadow: auto"><O:P> </O:P> </span></i></font></p> <p class="MsoNormal"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"><u><span lang="EN-US" style="text-shadow: auto"><font face="Arial" size="2">Limits of indemnity:<O:P> </O:P> <O:P> </O:P> </font></span></u></i></b></p> <p class="MsoNormal"><font face="Arial" size="2"><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">Death or Bodily Injury: </span><span style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"><span style="mso-spacerun: yes"> </span>£ 2,000,000</span></font></p> <p class="MsoNormal"><font face="Arial" size="2"><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">Material damage to Third Parties up to:</span><span style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"><span style="mso-spacerun: yes">  </span>£ 60,000<span style="DISPLAY: none; mso-hide: all"><O:P> </O:P> </span></span><i style="mso-bidi-font-style: normal"><span style="display: none; mso-hide: all; mso-ansi-language: EN-GB; text-shadow: auto"><O:P> </O:P> </span></i><span style="mso-ansi-language: EN-GB"><O:P> </O:P> </span></font></p> <h5><u><span style="mso-ansi-language: EN-GB"><i><font face="Arial" size="2">THIRD PARTY LIABILITY FIRE & THEFT<O:P> </O:P> </font></i></span></u></h5> <p class="MsoNormal"><font face="Arial" size="2"><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">Covers</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">for</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">liability</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">due to use of car in respect of third parties</span><span style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> and in addition,<span style="mso-spacerun: yes">  </span>it covers the vehicle against Fire and Theft.<O:P> </O:P> </span></font></p> <p class="MsoNormal"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"><u><span lang="EN-US" style="FONT-VARIANT: small-caps; text-shadow: auto"><font face="Arial" size="2">Comprehensive</font></span></u></i><font face="Arial" size="2"><i style="mso-bidi-font-style: normal"><u><span lang="EN-US" style="FONT-VARIANT: small-caps; mso-ansi-language: EL; text-shadow: auto"> </span><span lang="EN-US" style="FONT-VARIANT: small-caps; text-shadow: auto">Cover</span><span lang="EL" style="FONT-VARIANT: small-caps; mso-ansi-language: EL"><O:P> </O:P> </span></u></i></font></b></p> <p class="MsoNormal"><font face="Arial" size="2"><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">Comprehensive</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">cover</span><span style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> , </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">additionally covers loss</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">or</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">damage</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">to</span><span lang="EN-US" style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">the</span><span style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> insured </span><span lang="EN-US" style="mso-bidi-font-style: italic; text-shadow: auto">vehicle.</span><span style="mso-ansi-language: EN-GB; mso-bidi-font-style: italic; text-shadow: auto"> <O:P> </O:P> </span> <span style="mso-ansi-language: EN-GB"><O:P> </O:P> </span></font></p> </td> </tr> </tbody> </table> <p class="MsoNormal"> </p> <p class="MsoNormal"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><font face="Arial" size="2">The Fire Policy covers loss or damage to the insured property as a result of:</font></span></p> <table style="BORDER-COLLAPSE: collapse; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt" height="525" cellSpacing="0" cellPadding="0" border="0"> <tbody> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 315pt; PADDING-TOP: 0cm" vAlign="top" width="420" height="71"> <ol type="A"> <li> <p class="MsoNormal" style="TEXT-ALIGN: justify"><b style="mso-bidi-font-weight: normal"><span lang="EN-US"><font face="Arial" size="2">Fire</font></span></b></p> <li> <p class="MsoNormal" style="TEXT-ALIGN: justify"><b style="mso-bidi-font-weight: normal"><span lang="EN-US"><font face="Arial" size="2">Lightning<O:P> </O:P> </font></span></b></p> <li> <p class="MsoNormal" style="TEXT-ALIGN: justify"><font face="Arial" size="2"><b style="mso-bidi-font-weight: normal"><span lang="EN-US">Explosion</span></b><span lang="EN-US"><O:P> </O:P> </span></font></p> </li> </ol> </td> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 127.8pt; PADDING-TOP: 0cm" vAlign="top" width="170" colSpan="2" height="71"> <p class="MsoNormal"><span lang="EL" style="mso-ansi-language: EL"><font face="Arial" size="2"><V:SHAPETYPE id=_x0000_t75 stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600"> <V:STROKE joinstyle="miter" /> <V:FORMULAS> <V:F eqn="if lineDrawn pixelLineWidth 0" /> <V:F eqn="sum @0 1 0" /> <V:F eqn="sum 0 0 @1" /> <V:F eqn="prod @2 1 2" /> <V:F eqn="prod @3 21600 pixelWidth" /> <V:F eqn="prod @3 21600 pixelHeight" /> <V:F eqn="sum @0 0 1" /> <V:F eqn="prod @6 1 2" /> <V:F eqn="prod @7 21600 pixelWidth" /> <V:F eqn="sum @8 21600 0" /> <V:F eqn="prod @7 21600 pixelHeight" /> <V:F eqn="sum @10 21600 0" /> </V:FORMULAS> <V:PATH o:connecttype="rect" gradientshapeok="t" o:extrusionok="f" /> <O:LOCK aspectratio="t" v:ext="edit" /> </V:SHAPETYPE> <V:SHAPE id=_x0000_i1025 style="WIDTH: 117pt; HEIGHT: 51.75pt" type="#_x0000_t75"> <V:IMAGEDATA o:title="BACK231" src="file:///C:/DOCUME~1/stellan/LOCALS~1/Temp/msoclip1/01/clip_image001.wmz" /> </V:SHAPE> <O:P> </O:P> </font></span></p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 442.8pt; PADDING-TOP: 0cm" vAlign="top" width="590" colSpan="3" height="33"> <p class="MsoNormal" style="TEXT-ALIGN: justify"><font face="Arial" size="2"><span lang="EL" style="mso-ansi-language: EL"> </span><span lang="EN-US">The following additional perils can be covered optionally:</span></font></p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 428.4pt; PADDING-TOP: 0cm" vAlign="top" width="571" colSpan="2" height="184"> <ul> <li> <p class="MsoNormal"><span lang="EN-US"><b style="mso-bidi-font-weight: normal"><font face="Arial" size="2">Storm, Tempest, Flood<O:P> </O:P> </font></b></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><b style="mso-bidi-font-weight: normal"><font face="Arial" size="2">Falling of Trees<O:P> </O:P> </font></b></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><b style="mso-bidi-font-weight: normal"><font face="Arial" size="2">Earthquake<O:P> </O:P> </font></b></span></p> <li> <p class="MsoNormal"><font face="Arial" size="2"><span lang="EN-US"><b style="mso-bidi-font-weight: normal">Riots & Strikes</b></span><b style="mso-bidi-font-weight: normal"><span lang="EL" style="mso-ansi-language: EL"> <O:P> </O:P> </span></b></font></p> <li> <p class="MsoNormal"><font face="Arial" size="2"><span lang="EN-US"><b style="mso-bidi-font-weight: normal">Malicious</b></span><b style="mso-bidi-font-weight: normal"><span lang="EN-US" style="mso-ansi-language: EL"> </span><span lang="EN-US">Damage</span><span lang="EL" style="mso-ansi-language: EL"><O:P> </O:P> </span></b></font></p> <li> <p class="MsoNormal"><font face="Arial" size="2"><span lang="EN-US"><b style="mso-bidi-font-weight: normal">Impact</b></span><b style="mso-bidi-font-weight: normal"><span lang="EL" style="mso-ansi-language: EL"><O:P> </O:P> </span></b></font></p> <li> <p class="MsoNormal"><span lang="EN-US"><b style="mso-bidi-font-weight: normal"><font face="Arial" size="2">Architects Fees & Legal Expenses<O:P> </O:P> </font></b></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><b style="mso-bidi-font-weight: normal"><font face="Arial" size="2">Aircraft Impact<O:P> </O:P> </font></b></span></p> <li> <p class="MsoNormal"><font face="Arial" size="2"><span lang="EN-US"><b style="mso-bidi-font-weight: normal">Bursting of Pipes</b></span><b style="mso-bidi-font-weight: normal"><span lang="EN-US" style="mso-ansi-language: EL"> </span></b><span lang="EL" style="DISPLAY: none; mso-ansi-language: EL; mso-hide: all"><O:P> </O:P> </span></font></p> </li> </ul> <p class="MsoNormal"> </p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 442.8pt; PADDING-TOP: 0cm" vAlign="top" width="590" colSpan="3" height="44"> <p class="MsoNormal"><font face="Arial" size="2"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"><u><span lang="EN-US">Exclusions</span></u></i></b><span lang="EN-US"><O:P> </O:P> </span><span lang="EL" style="mso-ansi-language: EL"><O:P> </O:P> </span></font></p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 428.4pt; PADDING-TOP: 0cm" vAlign="top" width="571" colSpan="2" height="193"> <p class="MsoNormal" style="TEXT-ALIGN: justify"><u><span lang="EN-US"><font face="Arial" size="2">The Policy does not cover:</font></span></u></p> <ol type="a"> <li> <p class="MsoNormal" style="TEXT-ALIGN: justify"><span lang="EN-US"><font face="Arial" size="2">Theft during a fire event<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal" style="TEXT-ALIGN: justify"><span lang="EN-US"><font face="Arial" size="2">Loss or damage caused by the Insured</font></span></p> <li> <p class="MsoNormal" style="TEXT-ALIGN: justify"><span lang="EN-US"><font face="Arial" size="2">War, invasion, act or foreign enemy<span style="DISPLAY: none; mso-hide: all"><O:P> </O:P> </span></font></span></p> <li> <p class="MsoNormal" style="TEXT-ALIGN: justify"><span lang="EN-US"><font face="Arial" size="2">Radio-active, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component.<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal" style="TEXT-ALIGN: justify"><span lang="EN-US"><font face="Arial" size="2">Pressure waves caused by aircraft and other aerial devices <O:P> </O:P> </font></span></p> </li> </ol> </td> </tr> </tbody> </table> <font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">This Policy is designed to cover the legal responsibility of an employer for accidental bodily injuries or occupational disease caused during or as a result of their occupation.</span></font> <p align="right"><font face="Arial" size="2"><span lang="EL" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EL; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><V:SHAPETYPE id=_x0000_t75 stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600"> <V:STROKE joinstyle="miter" /> <V:FORMULAS> <V:F eqn="if lineDrawn pixelLineWidth 0" /> <V:F eqn="sum @0 1 0" /> <V:F eqn="sum 0 0 @1" /> <V:F eqn="prod @2 1 2" /> <V:F eqn="prod @3 21600 pixelWidth" /> <V:F eqn="prod @3 21600 pixelHeight" /> <V:F eqn="sum @0 0 1" /> <V:F eqn="prod @6 1 2" /> <V:F eqn="prod @7 21600 pixelWidth" /> <V:F eqn="sum @8 21600 0" /> <V:F eqn="prod @7 21600 pixelHeight" /> <V:F eqn="sum @10 21600 0" /> </V:FORMULAS> <V:PATH o:connecttype="rect" gradientshapeok="t" o:extrusionok="f" /> <O:LOCK aspectratio="t" v:ext="edit" /> </V:SHAPETYPE> <V:SHAPE id=_x0000_i1025 style="WIDTH: 2in; HEIGHT: 115.5pt" type="#_x0000_t75"> <V:IMAGEDATA o:title="j0240695" src="file:///C:/DOCUME~1/stellan/LOCALS~1/Temp/msoclip1/01/clip_image001.wmz" /> </V:SHAPE> <V:SHAPETYPE id=_x0000_t75 stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600"> <V:STROKE joinstyle="miter" /> <V:FORMULAS> <V:F eqn="if lineDrawn pixelLineWidth 0" /> <V:F eqn="sum @0 1 0" /> <V:F eqn="sum 0 0 @1" /> <V:F eqn="prod @2 1 2" /> <V:F eqn="prod @3 21600 pixelWidth" /> <V:F eqn="prod @3 21600 pixelHeight" /> <V:F eqn="sum @0 0 1" /> <V:F eqn="prod @6 1 2" /> <V:F eqn="prod @7 21600 pixelWidth" /> <V:F eqn="sum @8 21600 0" /> <V:F eqn="prod @7 21600 pixelHeight" /> <V:F eqn="sum @10 21600 0" /> </V:FORMULAS> <V:PATH o:connecttype="rect" gradientshapeok="t" o:extrusionok="f" /> <O:LOCK aspectratio="t" v:ext="edit" /> </V:SHAPETYPE> <V:SHAPE id=_x0000_i1025 style="WIDTH: 108pt; HEIGHT: 86.25pt" type="#_x0000_t75"> <V:IMAGEDATA o:title="j0240695" src="file:///C:/DOCUME~1/stellan/LOCALS~1/Temp/msoclip1/01/clip_image001.wmz" /> </V:SHAPE> </span></font></p> <p class="MsoNormal"><b style="mso-bidi-font-weight: normal"><u><span lang="EN-US"><font face="Arial" size="2">Limits of Indemnity:<O:P> </O:P> <O:P> </O:P> </font></span></u></b></p> <ol> <li><span lang="EN-US"><font face="Arial" size="2">Any Accident or Occupational Disease per Employee: 50.000</font></span> <li><span lang="EN-US"><font face="Arial" size="2">For any one event or series of event occurred under the same cause:2.000.000</font></span> <li><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">For any period of indemnity up to : 3.000.000</span></font></li> </ol> <p align="left"> </p> <table> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 442.8pt; PADDING-TOP: 0cm" vAlign="top" width="590" colSpan="2" height="51"> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">Covers Cargo/Goods, in transit from one point to another using a vessel, aircraft ,vehicle, train or a combination. </font><O:P> </O:P> </span><span style="mso-ansi-language: EN-GB"><O:P> </O:P> </span></p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 442.8pt; PADDING-TOP: 0cm" vAlign="top" width="590" colSpan="2" height="41"> <p class="MsoNormal" style="TEXT-ALIGN: justify"><span lang="EN-US"><font face="Arial" size="2"><b style="mso-bidi-font-weight: normal">Three types of cover are available:</b></font><b style="mso-bidi-font-weight: normal"><O:P> </O:P> </b></span><span style="mso-ansi-language: EN-GB"><O:P> </O:P> </span></p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 309.9pt; PADDING-TOP: 0cm" vAlign="top" width="413" height="91"> <ul> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">Partial loss-Particular Average<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">Total Loss<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">Constructive Total Loss</font><span style="DISPLAY: none; mso-hide: all"><O:P> </O:P> </span></span></p> </li> </ul> <p class="MsoNormal"> <span lang="EN-US" style="DISPLAY: none; mso-hide: all"><O:P> </O:P> </span></p> </td> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 132.9pt; PADDING-TOP: 0cm" vAlign="top" width="177" height="91"> <p class="MsoNormal"><span lang="EN-US" style="DISPLAY: none; mso-hide: all">  </span><b style="mso-bidi-font-weight: normal"><u><span lang="EN-US" style="text-shadow: auto"><V:SHAPETYPE id=_x0000_t75 stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600"> <V:STROKE joinstyle="miter" /> <V:FORMULAS> <V:F eqn="if lineDrawn pixelLineWidth 0" /> <V:F eqn="sum @0 1 0" /> <V:F eqn="sum 0 0 @1" /> <V:F eqn="prod @2 1 2" /> <V:F eqn="prod @3 21600 pixelWidth" /> <V:F eqn="prod @3 21600 pixelHeight" /> <V:F eqn="sum @0 0 1" /> <V:F eqn="prod @6 1 2" /> <V:F eqn="prod @7 21600 pixelWidth" /> <V:F eqn="sum @8 21600 0" /> <V:F eqn="prod @7 21600 pixelHeight" /> <V:F eqn="sum @10 21600 0" /> </V:FORMULAS> <V:PATH o:connecttype="rect" gradientshapeok="t" o:extrusionok="f" /> <O:LOCK aspectratio="t" v:ext="edit" /> </V:SHAPETYPE> <V:SHAPE id=_x0000_i1025 style="WIDTH: 111pt; HEIGHT: 60.75pt" type="#_x0000_t75"> <V:IMAGEDATA o:title="j0300840" src="file:///C:/DOCUME~1/stellan/LOCALS~1/Temp/msoclip1/01/clip_image001.wmz" /> </V:SHAPE> </span></u></b><span lang="EN-US"><O:P> </O:P> </span></p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 442.8pt; PADDING-TOP: 0cm" vAlign="top" width="590" colSpan="2" height="37"> <p class="MsoNormal"><u><span lang="EN-US" style="text-shadow: auto"><font face="Arial" size="2"><b style="mso-bidi-font-weight: normal; text-shadow: auto">The Policy covers loss or damage to the insured cargo in respect of:<O:P> </O:P> </b></font></span></u></p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; WIDTH: 442.8pt; PADDING-TOP: 0cm" vAlign="top" width="590" colSpan="2" height="179"> <ul> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">FIRE<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">EXPLOSION<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">DEPTH OF VESSEL<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">COLLISION<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">EARTHQUAKE<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">ENTERING OF WATER TO VESSEL<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">DAMAGE WHILE CARGO IS LOADING & UNLOADING<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">STRIKE<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">WAR<O:P> </O:P> </font></span></p> <li> <p class="MsoNormal"><span lang="EN-US"><font face="Arial" size="2">THEFT</font><O:P> </O:P> </span></p> </li> </ul> </td> </tr> </table> <table> <tbody> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; PADDING-TOP: 0cm" vAlign="top" width="438" colSpan="2" height="59"> <p class="MsoNormal" style="TEXT-ALIGN: justify"><font face="Arial" size="2"><b><span lang="EN-US">A Public Liability policy covers the insured’s legal liability to compensate third parties for personal injury and/or damage to, or loss of property.</span> <span lang="EN-US"><O:P> </O:P> </span></b></font></p> </td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; PADDING-TOP: 0cm" vAlign="top" width="298" height="21">  <p><font face="Arial" size="2"><span style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-GB; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">Primarily the policy covers risks relating to the premises and the activities of the Business. Insurance is not compulsory except in some limited cases.</span></font></p> </td> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; PADDING-TOP: 0cm" vAlign="top" width="156" height="21"><span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><V:SHAPETYPE id=_x0000_t75 stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600"> <V:STROKE joinstyle="miter" /> <V:FORMULAS> <V:F eqn="if lineDrawn pixelLineWidth 0" /> <V:F eqn="sum @0 1 0" /> <V:F eqn="sum 0 0 @1" /> <V:F eqn="prod @2 1 2" /> <V:F eqn="prod @3 21600 pixelWidth" /> <V:F eqn="prod @3 21600 pixelHeight" /> <V:F eqn="sum @0 0 1" /> <V:F eqn="prod @6 1 2" /> <V:F eqn="prod @7 21600 pixelWidth" /> <V:F eqn="sum @8 21600 0" /> <V:F eqn="prod @7 21600 pixelHeight" /> <V:F eqn="sum @10 21600 0" /> </V:FORMULAS> <V:PATH o:connecttype="rect" gradientshapeok="t" o:extrusionok="f" /> <O:LOCK aspectratio="t" v:ext="edit" /> </V:SHAPETYPE> <V:SHAPE id=_x0000_i1025 style="WIDTH: 2in; HEIGHT: 107.25pt" type="#_x0000_t75"> <V:IMAGEDATA o:title="j0149481" src="file:///C:/DOCUME~1/stellan/LOCALS~1/Temp/msoclip1/01/clip_image001.wmz" /> </V:SHAPE> </span></td> </tr> <tr> <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; PADDING-TOP: 0cm" vAlign="top" width="454" colSpan="2" height="21"><font face="Arial" size="2"><span lang="EN-US" style="mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">The Insured is indemnified against legal liability to pay compensation for accidental death, injury or disease to any person and for accidental loss or damage to property occurring during the period of insurance in connection with the Business.</span></font></td> </tr> </tbody> </table> <p><a name="top"><font face="Arial" color="#ffffff" size="2"><b>Burglary</b></font><b><font face="Arial" color="#ffffff" size="2"> Insurance Policy</font></b></a></p> <p><span lang="EN-US"><font face="Arial" size="2"><b>Covers loss or damage to contents and building against burglary or attempted burglary.</b></font></span></p> </body>