Assurance Zephir Avis

Assurance Zephir Avis – 2 Dear Customer, Thank you for trusting us with your car insurance. Your automobile insurance record will be attached to you. It includes: References to these General Provisions. ZGO/CG/1112, Special provisions for your vehicle This document accompanies your signed membership application. It sets out the clauses and special provisions of your warranty. Your green card and insurance sticker to put on your windshield. This agreement has been established based on your actual risk and your statements. We advise you to read it carefully before filling it out. Do not forget to inform us of any new elements that may modify your contract, so that the guarantee is always adapted to your risk. For any additional information, do not hesitate to contact: FYE ATTENTION AND TRAVEL SAFELY This group insurance contract is made with the following insurance company: SÉRÉNIS Assurances Société Anonyme RCS Romans B Company capital managed by insurance code Head office: 25 rue du Docteur Henri Abel VALENCE

3 Summary I – The extent of your covered areas… 3 II – Guarantees Civil liability guarantee Basic guarantee Trailer or caravan civil liability guarantee Extension of guarantee Damages not covered by us Criminal defense and shelter guarantee These services are covered after an accident to protect rights victims CHOICE OF ATTORNEY ARBITRATION WHERE WE DO NOT INTERVENE Third Party Bankruptcy Theft Warranty Damage Coverage What You Must Do Payment Terms Damage Not Covered Fire Damage Damage Warranty Not Covered Extended Damage Warranty Not Covered Broken Glass Warranty Limitation of Loss Warranty All Accidents Warranty Loss Guarantee Covered Losses Uncovered Equipment Warranty Non-Covered Deductible Loss Force of Nature Warranty Scope Warranty Conditions Catastrophe Warranty Natural Disaster Attack Warranty Technical Disaster Driver Warranty Physical Damage Warranty Extension Warranty Warranty Limit Damage Warranty Not Covered Damages Contingency Compensation Legal Assistance and Beneficiary Legal Protection Auto Service What’s Not Covered How to Apply Claims Resolved Benefits Scope of Coverage

Assurance Zephir Avis

4 CEILING COVERS OTHER VEHICLE SUPPLIES GET SALE WARRANTY WARRANTY LEARN TO DRIVE…15 III – DAMAGES DEDUCTIBLE ADDITIONAL STEERING WHEEL LOAN EXTRA STEERING WHEEL LOAN EXTRA STEERING WHEEL LOAN FOR NOONDER ACCESSULATION DRIVER. ..16 IV – EXCLUSIONS APPLICABLE TO ALL WARRANTIES EXCLUSIONS APPLICABLE TO WARRANTIES FOR DAMAGE TO THE EXCLUDED VEHICLE AND ITS DRIVER OR THEIR BENEFICIARIES… 17 V – REPLACEMENT VALUE ACCORDING TO WARRANTY VALUE AND WARRANTY VALUE FOR NEW VALUE ADVANCEMENT AND SALE AND WARRANTY WITH COMPASSION OUR COMMITMENT DOMATION SERVICE DOES NOT COVER…18 VI – FORMATION OF AGREEMENT BASIC AGREEMENT AGREEMENT INSURED RISK DECLARATION CONSEQUENCES NOT DECLARED BY YOUR OTHER INSURANCE – DECLARATION OF CONSEQUENCES (ON SUBSCRIPTION OR DURING CONTRACT) PAYMENT AND CONTRIBUTION CONTRIBUTION PRICES AND DEDUCTIBLES NON-PAYMENT Change of Contract Period Change of Owner Vehicle Insurance Death Vehicle Insurance Possibility of Client Termination Formalities to be observed Consequences of termination Formalities to be completed in case of claims Deadlines to be observed Information and documents to be sent to us Claims Policy Provisions applicable to Guarantee Automobile Civil Liability Provisions applicable in the event of damage to the insured vehicle Provisions applicable to warranty Deadline for Payment Compensation Prescription Effect Subrogation Contract Examination Complaint Information Technology and Freedom Control Insurance Reduction – Class Increase… 26 VII – Definition of Assistance Vehicle Assistance Service Personal Assistance Services General Provisions…34 VIII – Definition

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5 I – TERRITORIAL LIMITATION OF YOUR COVERAGE The guarantee you choose applies: – to all countries listed on the International Green Insurance Card we give you, except those whose nationality is attached; – as well as in Monaco, San Marino, Liechtenstein and the Vatican. Civil liability coverage is also obtained in the event of an incident occurring during a trip that directly connects two territories to which the Treaty establishing the European Union is applicable when there is no national insurance office for the territory of travel. II – GUARANTEE 1 – CIVIL LIABILITY GUARANTEE BASIC GUARANTEE The purpose of this guarantee is to meet the insurance responsibilities defined in article L of the Code of the person who has the status of insurance We mean the insured: – the customer of the contract (you) ; – owner of the insured vehicle; – any person who has custody or drives the insured vehicle, even without authorization; – Any passenger in the insured vehicle. Professionals in the repair, sale and inspection of automobiles, agents, passengers, when the insured vehicle is handed over to them due to their duties, should never have insurance status. The insured vehicle is the vehicle designated for these special provisions. However the guarantee remains available without prior declaration when the vehicle is coupled with a trailer with a total load weight not exceeding 750 kg. We guarantee, to third parties, the payment of financial losses as a result of material or physical damage for which responsibility is: – with you, the signatory of the contract; – to the owner of the car; – to the driver or guardian of the vehicle; – Passengers in the vehicle. We have changed the person responsible for this payment. The warranty applies when your vehicle is involved in: – an accident, fire or explosion caused by the vehicle, accessories and products used for its use, goods or substances it transports; – Fall of its accessories, objects or objects. We provide this warranty to the extent set forth in the Special Conditions. Trailer or caravan civil liability warranty This warranty applies to the same conditions and limitations as the basic warranty. It is provided for trailers or caravans with a GVWR of less than or equal to 750 kg. Adding a trailer weighing more than the maximum weight allowed by the Highway Code (Section R312-3) and/or a trailer not designated under special conditions does not increase the risk covered by the contract. When towing the vehicle, the act thus constituted does not correspond to the insured risk and the guarantee is not acquired. Extension of guarantee Civil protection of the insurance Extension of guarantee intervenes in the event of legal action called in question of the civil responsibility of the specified person. In the article (called “Insurance” in this article): – before civil, commercial or administrative courts, we ensure the defense of the insured, direct the judgment and use the remedies free of charge; 3

6 – Before the criminal courts, if the victim (s) is not interested, we have the right to lead or join the defense and use the means of appeal, on behalf of the insured. The guarantee comes into play when the interests of the insured and us are the same. Only we have the right to deal with the victims or beneficiaries. No acceptance of an obligation or transaction made without our agreement is binding on us. However, an admission of material fact or the sole act of assistance that any person has a legal or moral duty shall not be considered an admission of liability. In the event of a dispute between the insured and us, the difficulty must, before any legal procedure, be submitted to the assessment of an arbitrator competent in the matter and appointed by mutual agreement, or, if not, by a superior . court A main judgment in the form of a summary proceeding. Costs incurred for the application

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