Terms & Conditions - MONDIAL TRAVEL EURO PLUS -

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INDEX 1. SERVICES AND LIMITS 10. LIMITATION OF ASSISTANCE SERVICES 2. GENERAL PROVISIONS 11. EXTENSIONS OF CERTIFICATE TERM 3. REQUESTING AN ASSISTANCE SERVICE 12. CERTIFICATE CANCELLATION 4. DEFINITIONS 13. SUBROGATION 5. ASSISTANCE SERVICES 14. INSURANCE POLICIES 6. EXTENT OF ASSISTANCE SERVICES 15. LOSS OF LUGGAGE INSURANCE 7. CONVERSION 16. PERSONAL ACCIDENTS INSURANCE 8. EXCLUSIONS OF ASSISTANCE SERVICES 17. TRIP CANCELLATION INSURANCE 9. TERRITORY 18. JURISDICTION

1. SERVICES AND LIMITS

The validity and scope of the guarantees described below are subject to the clauses of these Terms and Conditions .SERVIÇOS LIMITES Geographic limit Europe and all other countries, except € 30,000.00 (within Europe) Medical, surgical and hospital assistance due to accident or disease USD 20.00,00 (other countries) Prescription drugs € 300,00 Dental assistance € 500,00 Hotel costs after patient release (up to 10 days) € 80,00 per day Bedside visit in case of hospitalization Economy Class Hotel costs for companion (up to 10 days) € 80,00 per day Minor’s escort Economy Class Delayed return due to hospitalization Economy Class Return of family members in the event of Client´s death Economy Class Early return due to death of family member or spouse Economy Class Cash Advance for Legal Assistance € 1.200,00 Cash Advance for Bail Payment € 12.000,00 Transportation to an Appropriate Medical Facility € 30.000,00 Medical repatriation € 30.000,00 Repatriation of remains € 30.000,00 Lost luggage search Service Transmission of urgent messages Service Loss of Luggage Insurance R$ 200.000,00 Personal Accidents Insurance R$ 100,00 per kilo, limited to 30 kilos Trip Cancellation Insurance R$ 3.000,00

2. GENERAL PROVISIONS do that, Client must collect and make available to MONDIAL the MONDIAL TRAVEL EURO PLUS is a set of Assistance services that complement the elements needed to characterize third-party responsibilities, and insurance coverage for clients up to 70 years old in trips abroad. MONDIAL is the send MONDIAL the originals of documents and receipts. coordinating company of the services provided for in these Terms and Conditions, 3.2. In the cities where there are no adequate professional resources to provide which will be provided through a network of qualified professionals. Such services the services hereunder, the Client or family members may arrange such may be requested at an Assistance Center provided by MONDIAL and available 24 resources, provided that MONDIAL has been previously informed in order to hours a day, 365 days a year. authorize such procedure, which will be confirmed through telephone The services will be provided according to the guidelines and as indicated by contact. In case of an emergency where previous contact is impossible, the MONDIAL´s medical team. Therefore, the Client should always contact the Client should communicate with MONDIAL before leaving the place of Assistance Center in order to obtain quick and efficient responses. Exceptionally, in assistance. case the impossibility of any previous contact with MONDIAL is justified, Client may 3.3. If the Client is not able to communicate with the Assistance Center through request on return the reimbursement of the expenses incurred, and will submit collect call, the expenses of communication made by Client will be receipts and medical report to be analyzed by our physicians, who will determine reimbursed after the trip, upon submission of original evidence of the origin of such request. The request of expenses reimbursement will be analyzed telephonic charges, containing the date of call and number dialed. based on these Miscellaneous Provisions, and may be approved totally or partially, 4. DEFINITIONS or even refused. When the expenses are made abroad, the reimbursement will be Personal Accident - the external, sudden, involuntary and violent event in a specific paid in Brazilian Reais, calculated at the commercial dollar exchange rate on the date, which may cause physical damages and requires medical treatment. issuance date of Certificate. Client or Insured - the individual qualified in the Certificate, with residence in Brazil, 3. REQUESTING AN ASSISTANCE SERVICE who has acquired MONDIAL TRAVEL EURO PLUS for trips abroad. ATENTION: THE COVERAGE DOES NOT INCLUDE ANY OCCURRENCES THAT HAVE Disease - an acute and sudden change in the health condition of Client, which is NOT BEEN PREVIOUSLY INFORMED TO MONDIAL, ACCORDING TO THIS SECTION: confirmed by a physician, and has been caused and originated after the Client 3.1. In case of disease or accident, the Client must have the Certificate on hands departed the country. Medical tests and treatment of pre-existing diseases are not before any measures are taken: covered. 3.1.1. Contact immediately the Assistance Center, describing the Domicile – the address of the Client in Brazil, which was declared by the Client occurrence and providing all necessary information to locate when purchasing MONDIAL TRAVEL EURO PLUS. service providers for requested assistance; Dental emergency – natural teeth broken in an accident or in any event that results 3.1.2. All data contained in the Certificate must be informed correctly in acute pain or compromises teeth. The expenses with prosthesis of any nature are and clearly; not covered. 3.1.3. Follow MONDIAL’s instructions and take all measures needed and Medical Team - a medical team is a group of professionals of the medical area, who possible to restrict the effects of the event, or prevent the are contracted by MONDIAL and are duly qualified to provide monitoring, aggravation of its consequences; coordination and supervision of medical services required due to a disease or an 3.1.4. When necessary, answer to MONDIAL requests of information and accident. immediately submit any notice, original call notice or service of Event - is the occurrence of the fact, accident or disease during the period of the process that you have received to comply with necessary insured trip, which is covered according to definitions described in these Terms & formalities; Conditions. 3.1.5. Cooperate with MONDIAL in order to allow recovery of payments Providers – individuals or corporations selected and contracted by MONDIAL to made to third-party responsible for the events communicated. To provide services to Clients. Mondial Travel EURO TAP English Oct092012

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5. ASSISTANCE SERVICES already monitored. The assistance services must always be arranged by MONDIAL. To obtain these 5.5.2. MONDIAL will assume all the expenses with the hotel according to services, the Client must make a collect call to the Assistance Center - 55 11 4126- the plan acquired as shown on the Guarantee Board, initiated on 9411, which is available 24 hours a day, the 7th day of the insured person hospitalization. During the process of assistance, MONDIAL may require the submission of the air 5.5.3. This service is limited to the payment of daily rates, and does not ticket or e-ticket evidencing the dates of trip that were informed when MONDIAL include any additional expenses (refrigerator items, newspapers, TRAVEL EURO PLUS Assistance was bought. meals, parking and others), and will be limited to a maximum specified in contracted plan. The selection of the hotel will be In case of any doubt about our services or the product you have purchased, please made at the exclusive criteria of MONDIAL. call our Client Services, telephone 0800 770 8020 (within Brazil only), which is 5.5.4. This service is only available if the generator event met the available 24 hours a day. general conditions mentioned in this Terms and Conditions, 5.1. Medical, surgical and hospital assistance due to accident or disease observing also the coverage exclusion clauses contained in Section 5.1.1. If, as a result from any accident or disease occurred during the 8. insured trip, the Client needs medical assistance, surgery or 5.6. Hotel costs for companion hospital, MONDIAL is responsible for paying corresponding 5.6.1. MONDIAL will pay for the expenses incurred with hotel for an expenses, up to the limit provided in guarantee table, according to accompanying person up to 10 (ten) non-extendible daily rates, the contracted plan. beginning on the 7th day of Client hospitalization. 5.1.1.1. This service does not guarantee any dental treatment, 5.6.2. This service is limited to the payment of daily rates, and does not which is covered by item 5.3 below. include any additional expenses (refrigerator items, newspapers, 5.1.2. In the cases where the assistant physician of Client MONDIAL meals, parking and others), and will be limited to a maximum TRAVEL EURO PLUS declares that the treatment, both clinical and specified in contracted plan. The selection of the hotel will be surgical, could be performed in Client´s Domicile, the medical made at the exclusive criteria of MONDIAL. team of MONDIAL will decide whether to perform the treatment 5.7. Minor’s escort locally or to return the patient to his/her Domicile. 5.7.1. If the Client is the only adult accompanying one or more 16 year- 5.1.2.1. If is establish that the client is able to return to his minors and is hospitalized due to accident or disease for more domicile, MONDIAL will not be responsible for the than 7 days, according to Medical Team, MONDIAL will provide an costs of this event, although it has not reached the air ticket in the economic class for one family member in order to limit of the plan acquired. accompany minors. 5.1.3. The exceed costs based on the plan acquired will be the Client´s 5.7.2. Optionally, MONDIAL may provide the anticipated return of responsibility. minors to their Domiciles, if this is more convenient for the Client. 5.1.4. These services are available only if the event is predicted in this 5.7.3. For this service to be valid, the minors should have also purchased Terms and Conditions, observing also the exclusion clauses of MONDIAL TRAVEL EURO PLUS. coverage contained in Section 8. 5.7.4. This service is only available if the generator event met the 5.2. Prescription drugs general conditions mentioned in this Terms and Conditions, 5.2.1. MONDIAL is responsible for the payment of the expenses with observing also the coverage exclusion clauses contained in Section medicines prescribed by a physician, up to the limit provided in 8. the guarantee table, according to the contracted plan. 5.8. Delayed return due to hospitalization 5.2.2. The pharmaceutical expenses, when needed, will be reimbursed 5.8.1. If, in case of disease or accident during trip and for strictly medical upon submission of a prescription referring to the event covered reasons, the Client is forced to change the date of return, and by the insurance, together with original evidences of the expenses having air ticket with date or limitation for the return date, incurred. MONDIAL will guarantee the payment of any eventual differences 5.2.3. The refund of the pharmaceutical expenses will be submitted by between the rates paid and the amount of air ticket in economic the analysis of the documents presented following the criteria of class for the new flight. this Terms and Conditions. 5.8.2. The payment will be made to the Client, upon evidence of 5.2.4. This service is only available if the generator event met the payment to the airline and submission of medical report general conditions mentioned in this Terms and Conditions, evidencing the impossibility of Client´s departure on the first date. observing also the coverage exclusion clauses contained in Section 5.8.3. If the Client needs and if possible, MONDIAL may book a new 8. flight, and will pay directly to the airline company for any 5.3. Dental assistance expenses with such booking. 5.3.1. MONDIAL is responsible for paying the dental expenses that the 5.8.4. This guarantee is valid only in the case of hospitalization arranged Client must incur in emergency events, only in these cases and up through MONDIAL Assistance Center, and the continuity of Client to the limit provided in the guarantee table, according to the hospitalization is prescribed by assistant physicians and MONDIAL contracted plan. Medical Team. 5.3.2. This item covers exclusively the procedures necessary to relieve 5.8.5. This service is only available if the generator event met the the pain or ceasing the emergency situation. Under no general conditions mentioned in this Terms and Conditions, circumstances the coverage will include any treatment besides the observing also the coverage exclusion clauses contained in Section procedure above mentioned. 8. 5.3.3. It is totally excluded any kind of routine treatment. 5.9. Return of family members in the event of Client´s death 5.3.4. No transportation expenses are covered for dental treatment. 5.9.1. If the Client dies during the trip, and if there are family members 5.4. Hotel costs after patient release traveling with the Client, who need to anticipate or postpone their 5.4.1. If, in case of disease or accident, and immediately after release, return flights, MONDIAL will arrange and guarantee the return the Client must remain in the city of hospitalization strictly due to transportation for up to 4 (four) accompanying persons to Insured medical reasons, with consequent change of departure date, Person domicile, and will pay for any eventual difference between MONDIAL will provide hotel accommodations for up to 10 (ten) the air ticket paid and the amount of the new air ticket rate. non-extendible day rates. The medical recommendation must be 5.9.2. This service is applicable only if the family members also have the justified by a report from the responsible physician, and confirmed MONDIAL TRAVEL EURO PLUS current at the date of Client´s by MONDIAL Medical Team. death, and if they are in the same city as the event occurred. 5.4.2. This service is limited to the payment of daily rates, and does not 5.9.3. This service will apply only in case of MONDIAL intervention in the include any additional expenses (refrigerator items, newspapers, occurrence. room changes, home care equipment, meals, parking and others), 5.9.4. This service is only available if the generator event met the and will be limited to a maximum specified in contracted plan. The general conditions mentioned in this Terms and Conditions, selection of the hotel will be made at the exclusive criteria of observing also the coverage exclusion clauses contained in Section MONDIAL. 8. 5.4.3. This service is only available if the generator event met the 5.10. Early return due to death of family member or spouse general conditions mentioned in this Terms and Conditions, 5.10.1. In the event of death of parents, sons, daughters, brothers, sisters, observing also the coverage exclusion clauses contained in Section or spouse of the Insured Person during his/her trip, and the return 8. flight must be anticipated, MONDIAL will guarantee the payment 5.5. Bedside visit in case of hospitalization of any eventual rate differences between the amount paid and the 5.5.1. If the Client is hospitalized for disease or accident for more than 7 amount of new flight. days, and needs a companion, MONDIAL will provide round trip air 5.10.2. This service is only available if the generator event met the ticket through transportation means to be selected by MONDIAL general conditions mentioned in this Terms and Conditions, for one person appointed by the Insured Person, who must reside observing also the coverage exclusion clauses contained in Section in Brazil, and will be present during the hospitalization period. 8. 3.5.1.1 This coverage applies only if the customer is not 5.11. Cash Advance for Legal Assistance Mondial Travel EURO TAP English Oct092012

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5.11.1. If the Client is indicted in a criminal process due to any traffic 5.16.1. If Client is not able to contact directly his/her family due to an accident, MONDIAL may appoint a lawyer for the process, and will accident or disease, and needs to transmit urgent messages, pay as advancement for legal fees up to the limit provided in MONDIAL will arrange such transmission through the most guarantee table, according to the contracted plan. adequate means. 5.11.2. The advance amount must be reimbursed to MONDIAL within 60 5.16.2. The costs of such transmission will be paid by MONDIAL. (sixty) days, at the commercial exchange rate at the date of 6. EXTENT OF ASSISTANCE SERVICES reimbursement; 6.1. The right of Client to assistance services provided by MONDIAL will begin 5.11.3. The release of such advance amount under this Section will be and end on the dates shown on the Certificate. conditioned to the execution of an Acknowledgement of Debt or 6.2. The Certificate may only be acquired by the Client in Brazil, before the submission of guarantee by the Client or his/her representative. beginning of trip, except for the event provided for in Section 10. 5.11.4. This service is only available if the generator event met the 6.3. Exclusively for the insurance coverage for Trip Cancellation will consider general conditions mentioned in this Terms and Conditions, after 48 hours of the certificate purchase regardless of the date of observing also the coverage exclusion clauses contained in Section commencement of travel indicated therein. 8. 7. CONVERSION 5.12. Cash Advance for Bail Payment 7.1. The amounts herein stated in foreign currency will be converted in Brazilian 5.12.1. In case of arrest resulting from traffic accident, MONDIAL may Reais at the exchange rate on the issuance date of Certificate. advance for the Client the amount referring to judicial bail that may be imposed to him/her, up to the limit provided in the 8. EXCLUSIONS OF ASSISTANCE SERVICES guarantee table, according to the contracted plan. 8.1. These General Conditions do not guarantee the provision of services that 5.12.2. The advance amount must be reimbursed to MONDIAL within 60 had not been previously requested through MONDIAL, or those services that (sixty) days, at the commercial exchange rate at the date of had been executed without MONDIAL agreement, except in case of force reimbursement; majeure or evidenced material impossibility. 5.12.3. The release of such advance amount under this Section will be 8.2. MONDIAL will not be responsible for the payment of any expenses incurred conditioned to the execution of an Acknowledgement of Debt or by the Client referring to or resulting from: submission of guarantee by the Client or his/her representative. 8.2.1. The continuity of medical treatments in Brazil, resulting from 5.12.4. This service is only available if the generator event met the accidents or diseases started during trip and within the duration of general conditions mentioned in this Terms and Conditions, MONDIAL TRAVEL EURO PLUS; observing also the coverage exclusion clauses contained in Section 8.2.2. Events previous to the beginning of agreement, their evolution 8. and natural complication (pre diagnosed or pre-existing diseases), 5.13. Transportation to an Appropriate Medical Facility or Medical repatriation except as disposed in Section 4.1.3; 5.13.1. If, in case of sudden disease or accident, and after first aid, the 8.2.3. Events willfully caused by Client, or intentionally provoked by need of transfer to a better equipped hospital is established or, Client, or in consequence of suicide or attempted suicide; after medical release, the need of transfer to insured person´s 8.2.4. Damages suffered or caused by the Client due to insanity or when home is determined, MONDIAL will arrange for the contacts Client is under the influence of alcohol ingestion, under the terms between its Medical Team and the hospital where the Insured of local traffic laws, or even when Client has ingested drugs or Person is, in order to perform the transfer. narcotic substances without prescription; 5.13.2. No other reason, except for the strict medical need, may 8.2.5. Damages suffered or caused by the Insured Person when driving determine the transfer of Insured Person, as well as the selection vehicles, boats or aircrafts without due qualification; of transportation means. The transfer will begin after formal 8.2.6. Damages suffered as a consequence of war, social tumult, terrorist written release is provided by the responsible physician or hospital act, sabotage, strike, tumult and disturbance of public order; service at the place where Insured Person is hospitalized. 8.2.7. Damages suffered as a direct or indirect result of disintegration of 5.13.3. If medical decision is to remove the Insured Person to a hospital atom nucleus fusion, particle acceleration or radioactivity, as well that is better equipped, MONDIAL will contract and undertake the as force majeure events; expenses with such removal up to the next hospital with adequate 8.2.8. Medical, surgical, pharmaceutical, dental and hospital expenses infrastructure, and the family member or the person who requests made or prescribed to the Client in Domicile location, including the service is responsible for booking and confirming the medical appointment to obtain prescription of medications of availability of the destination hospital. continuous use, for example, antihypertensive drugs (medicine for 5.13.4. The removal of the Insured Person will be performed from the hypertension), oral hypoglicemiants (medicines for diabetes); hospital that provided first aid services. The route to the 8.2.9. Expenses with functional reeducation, massages and destination hospital cannot be higher than the distance between physiotherapy sessions, which are not intrahospital prescribed; the accident site and the city where the Titular of Insurance 8.2.10. Dental expenses which are not characterized as emergencies; resides. 8.2.11. Damages suffered as a result from the practice of competitive 5.13.5. The decision about the need of repatriation to the domicile is sports, as well as training activities for competition and bets; exclusively made by the Medical Team together with the opinion 8.2.12. Practice of high risk sports, including but not limited to: of the assistant physician of Client. motorcyclism, hang-glider, parachuting, paraglider, ballooning, 5.13.6. The transportation means to be used will be the most adequate kart, races with cars and winter sports out of the regularly according to the Medical Team. However, in any case, when the authorized places; Beneficiary is more than 2,000 km from his/her domicile, the 8.2.13. All the expenses with diagnosis or treatment of a physiological repatriation will be through a regular line aircraft. status, as well as any problems relating to pregnancy, prenatal 5.13.7. This service is only available if the generator event met the tests and delivery, and even any type of medical check-up in general conditions mentioned in this Terms and Conditions, general, including the control or blood pressure; observing also the coverage exclusion clauses contained in Section 8.2.14. Expenses with funeral, funerary urns or funeral ceremony; 8. 8.2.15. Damages suffered as a consequence of earthquakes, volcanic 5.14. Repatriation of remains eruptions, floods or any catastrophe resulting from natural 5.14.1. If Client dies during the trip, MONDIAL will be responsible for all disasters or state of emergency; formalities in the place of death, which are necessary and 8.2.16. Expenses with glasses, lens, wheelchair, crutches, orthesis and adequate to the return of corpse, and transportation in standard prothesis in general, whether definitive or temporary; coffin to the place of funeral at the Domicile of Client. 8.2.17. Chronic diseases or pre-existing diseases, such as coronary 5.14.2. The expenses referring to the funeral and burial are not paid by diseases, tuberculosis and all consequent complications; MONDIAL, being those paid by client´s family. 8.2.18. Any type of mental disease (medical conditions involving 5.14.3. This service is only available if the generator event met the pathologies with psychiatric and psychological origins); general conditions mentioned in this Terms and Conditions, 8.2.19. Rescue operations in oceans, mountains and desert zones; observing also the coverage exclusion clauses contained in Section 8.2.20. Assistance due to a labor accident; 8. 8.2.21. Repatriation, in ICU aircraft or regular Airline Company, if the 5.15. Lost luggage search Client may be treated locally and there is no restriction for 5.15.1. In case luggage is lost, provided that they were regularly continuance of trip; dispatched in normal national or international flights, MONDIAL 8.2.22. Medical, surgical, pharmaceutical, dental, hospital expenses, as may help to find them with the Airline Company responsible for well as repatriation, medical or funerary removal resulting from transportation. epidemic and pandemic. 5.15.2. To do that, immediately after knowledge of such loss and before 9. TERRITORY leaving the airport, the Client must communicate the loss to the 9.1. The assistance services provided for in this General Conditions are valid only Airline Company, and should formalize the claim through the outside Brazil during the duration printed in the Certificate. adequate form (P.I.R. – Property Irregularity Report). 9.2. The services provided do not apply at the location of Client´s Domicile, as 5.16. Transmission of urgent messages well as in cities or countries where its provision is impossible, due to force Mondial Travel EURO TAP English Oct092012

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majeure and reasons out of the scope of responsibility of MONDIAL. 15.1.6. The loss of luggage is acknowledged by the Airline Company, upon 10. LIMITATION OF ASSISTANCE SERVICES payment of indemnification according to pertinent rules for this 10.1. The assistance services will be valid for Clients with ages up to 70 years on type of event in international air transportation. the date of MONDIAL TRAVEL EURO PLUS contracting. 15.2. Indemnification Limit 10.2. The assistance services will apply to Client trips within the duration of the 15.2.1. The maximum limit to be indemnified for the losses will be Certificate. However, whenever the assistance is started within the duration determined according to the plan described in Section 1 – of the Certificate, the Client will be entitled to the continuity of services, Guarantee Table, even when more than one luggage volume has even after the expiration of the Certificate, according to the limits provided been lost by the Airline Company. This limit will be the maximum for in the agreement. amount to be reimbursed, even when more than one luggage 10.3. Except for the situations that represent life risk, the Client may only use the volume is lost by the Airline Company. services of assistance upon previous authorization from MONDIAL. When 15.3. Major Excluded Risks previous communication is not possible, Client must inform the Assistance 15.3.1. The losses suffered are not covered by the insurance, directly or Center as soon as possible for adequate registration of the event. indirectly, when they result from: natural act of nature or state of 10.4. The assistance services above may not be provided without cooperation by emergency, acts of governments, judicial, police and the Client, or by another party requesting the assistance on Client´s behalf, administrative authorities and of foreign countries, willfulness of as to information requested by Assistance Center. Following data are Insured Person and/or bearer of luggage, risks of war, revolution, indispensable to provide assistance: name, Certificate number, address, strike, lock-out, tumult or rebellion. type of assistance needed, without prejudice of other data that may be 15.3.2. Not covered by the insurance are any volumes or luggage deemed necessary according to the event. containing animals, money, checks, precious metals, art items, electronic devices, narcotic substances or the robbery of an object 11. EXTENSIONS OF CERTIFICATE TERM from inside the luggage or the damages caused to them. 11.1. The duration of Certificate may be extended if Client decides to extend the 15.4. To receive the indemnification for loss of luggage you must: period of trip, provided that: 15.4.1. Communicate the event immediately to the Airline Company 11.1.1. The extension request is made at least 48 hours from previous through a formal statement (P.I.R. form); Certificate expiration; 15.4.2. Communicate the event to competent authorities, requesting 11.1.2. The sum of durations of the original Certificate and its extension is adequate measures; not higher than 120 days; 15.4.3. Communicate the event to MONDIAL within 72 hours immediately 11.1.3. Medical, Dental and Pharmaceutical Assistance services were not after the end of trip; used by the Client; 15.4.4. Wait for the receipt of indemnification from the Airline Company; 11.1.4. The Client authorizes the debit of a new Certificate in his/her 15.4.5. Provide MONDIAL with original documents evidencing the loss, credit card. such as: 11.2. The duration of each original Certificate will be extended only once. a) Nº of Certificate; 11.3. To request a Certificate duration extension, the Client must contact the b) Copy or RG and CPF of passenger and copy of passport; Assistance Center. c) Copy of Luggage Ticket; 12. CERTIFICATE CANCELLATION d) Original of Airline Ticket evidencing the section of trip where 12.1. The Certificate cannot be cancelled after beginning of its duration. the luggage was lost; 12.2. The Client may request the cancellation of his/her Certificate up to 2 (two) e) Original P.I.R. form; days before the beginning date of Certificate. f) Indemnification receipt from the Airline Company. 12.3. To request the cancellation of a Certificate, the Client must contact the 15.5. The documents above must be submitted within 120 (one hundred and Assistance Center. twenty) days from the date of trip end, under the penalty of losing the right 12.4. If the Client returns before the date determined in the Certificate, the days to any indemnification. used will not be reimbursed. 16. PERSONAL ACCIDENTS INSURANCE 12.5. MONDIAL maintains the right to automatically cancel the Client Certificate, 16.1. With this insurance coverage, you will be guaranteed by ALLIANZ for the as well as service provision, whenever a fact is caused or provoked period of trip abroad indicated in the Certificate. intentionally by the Client, which fact generates the need of any service 16.2. The maximum limit of indemnification will be according to the plan herein, or when the Client intentionally omits or provides false information. purchased, as described in Section 1 – Guarantee Table. 13. SUBROGATION 16.3. The indemnification of this insurance will be paid in case of: 13.1. When MONDIAL acquires the air tickets for the Client to return to domicile, 16.3.1. To the Beneficiaries in case of ACCIDENTAL DEATH of Certificate it will subrogate the rights of Client with the airline companies, agents and holder during the trip. tourism operators, in order to use, negotiate or compensate the tickets a) If Client is minor than 14 years, this insurance will pay only originally issued and that were not used. the expenses with funeral, to be evidenced through original 13.2. MONDIAL also subrogates the corresponding rights of Client, up to the limit invoices. of the amount paid or reimbursed under the terms of these General b) These expenses include those referring to transfer. Conditions, against those who have caused or helped to cause the damages, c) The expenses with acquisition of land, tomb and others are through acts or omissions, being the Client liable to facilitate the necessary not included. means for the execution of such subrogation. 16.3.2. TOTAL AND PERMANENT DISABILITY of holder of Certificate 14. INSURANCE POLICIES MONDIAL TRAVEL EURO PLUS, caused by accident during the trip, 14.1. MONDIAL has contracted with ALLIANZ Seguros S.A (ALLIANZ) the insurance to the holder him/herself. coverage for Loss of Luggage, Personal Accidents – Accidental Death, Total 16.4. The indemnification amounts are subject to the limits defined in Section 1 Permanent Disability due to Accident and Trip Cancellation. of these General Conditions. 14.2. The validity of the insurance policies herein will coincide with the validity of 16.5. The Beneficiaries for the cases of Accidental Death of Insured Person are: the Certificate. a) If married: half to the surviving spouse, half to children, if any; 15. LOSS OF LUGGAGE INSURANCE b) If single, separated judicially or in fact, or widow with mate: half to 15.1. If your luggage is lost while in the possession of a regular airline company for mate and half to children, if any; transportation, you will be guaranteed by ALLIANZ, provided that: c) If single, separated judicially or in fact, or widow without mate and 15.1.1. The loss has occurred outside of Brazil, in international flights, children: parents; including international return flights. Also covered is the loss in d) If single, separated judicially or in fact, or widow without mate and flights between two cities abroad, even when they are in the same with children: children. country; 16.6. Personal accident is the external, sudden, involuntary, violent event in a 15.1.2. Total loss of luggage or volume had happened, observing the specific date, which may cause physical damages that on themselves and exclusion of coverage sections of the insurance policy; independently of any other cause has the direct consequence of death or 15.1.3. The loss has occurred within the period of delivery of luggage to total permanent disability of Insured Person. authorized personnel from the Airline Company at the check in 16.7. The concept of Personal Accident also includes injuries resulting from: and the moment of return of luggage to the passenger, by the end a) The accidents resulting from the action of environment temperature of trip; or atmospheric influence, when the Insured Person is subject to 15.1.4. The loss is communicated to the Airline Company immediately and them due to covered accident; before leaving the place of luggage delivery at the destination b) The accidents resulting from accidental release of gas or fume; airport, with the relevant P.I.R. (Property Irregularity Report) filled c) The accidents resulting from kidnapping or attempt of kidnapping; out; d) The accidents resulting from anatomic or functional changes in 15.1.5. MONDIAL has been informed about the event immediately after spine, with traumatic origin, caused exclusively by fractures or the complaint to the Airline Company; injuries that may be radiological evidenced; e) Animal attacks and cases of hydrophobia, poisoning or intoxications resulting from them, excluded the infectious and parasite diseases

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transmitted by insect bites; 16.15.2. Submit to MONDIAL documented evidence, such as: f) Attacks and aggressions, acts of self defense and acts performed for 16.15.2.1. Accidental Death humanitarian reasons; a) Notice of loss duly filled out by the assistant physician; g) Electric shock and lightening; b) Accident report issued by local competent authority, evidencing the h) Contact with acid or corrosive substances; occurrence of the accident; i) Attempt to save persons or properties; c) Briefs of police investigation; j) Fall in water or drowning; d) Technical expert report (if available); k) Infections, septicemia and embolism resulting from visible injury e) Certified copy of death certificate caused by covered accident. f) Copy of necropsy report; 16.8. The concept of personal accident does not include: g) Copy of transportation tickets, air, terrestrial or sea; a) The diseases (included as professional diseases, even when they are h) Driver's License (in case of car accident, if the Insured Person was the considered labor accidents under the terms of social security driver involved/if the vehicle was rented, attach a copy of rental legislation, including those resulting or not from repetitive micro agreement); trauma, such as Work-Related Skeleton Muscle Disturbs (WRMD), i) Certified copy of RG and CPF of passenger, and a copy of passport (in Repetitive Strain Injury (RSI), Tenosynovitis and others, whatever the case of an accident abroad); causes, even when caused, resulting from or aggravated by, directly j) Certified copy of RG and CPF of legal heirs of passenger. or indirectly, an accident, except for infections, septicemia and 16.15.2.2. Total Permanent Disability by Accident embolism, resulting from visible injuries; a) Medical report duly filled out, signed and stamped by assistant b) The intercurrences or complications resulting from medical tests, physician, notarized, detailing the nature of injury and the definitive treatments (clinic or surgical) when they do not result from any level of disability, also informing whether the patient is definitely covered accident. discharged, attaching the tests performed by Insured Person; 16.9. In case of Total Permanent Disability within 1 (one) year from the date of b) Report and tests performed (radiographies, resonance and others); accident, provided that the treatment is finished and the character of c) Copy of discharge notice; disability is finally established, ALLIANZ will pay to Client an d) Copy of RG, CPF and passport of Insured Person (in case of accident indemnification equivalent to 100% of the amount insured. abroad); 16.10. The coverage for Accidental Death and Permanent Disability by Accident e) Accident Report; are not cumulative for losses resulting from the same accident. f) Driver's License (in case of car accident, if the Insured Person was the 16.11. The Total Permanent Disability will be characterized by one of following driver involved); consequences: g) Report of blood alcohol content (when applicable); Total loss of vision in both eyes 17. TRIP CANCELLATION INSURANCE Total loss of the use of superior limbs 17.1. This insurance applies only to passenger with ages up to 70 years on the Total loss of the use of inferior limbs date of acquisition of MONDIAL Travel EURO PLUS. Total loss of the use of both hands 17.2. If one of the events below occurs, and Client requests the cancellation of a ticket, ALLIANZ will reimburse the Client for the amount equivalent to the Total loss of use of one superior or inferior limb difference between the amount paid for the ticket and the amount Total loss of use of one hand or foot reimbursed by the Transportation Company (air or sea) or tourism Total loss of the use of both feet operator. If Client does not request the cancellation, but the new ticket to Total and incurable insanity another date implies rate differences, the amount of such difference will 16.12. Any divergences about the cause, nature or extension of injuries, as well as not be reimbursed by ALLIANZ. the evaluation of the disability must be submitted to medical board 17.3. For this insurance to be applicable, the events below must occur always constituted by three members, being one appointed by the Insurance after the purchase of the ticket and MONDIAL Travel EURO PLUS, and must Company, other by the Insured Person and a third member to be selected be duly evidenced by the Client. In case of hospitalization due to disease or by the two appointed members. The fees will be paid by ALLIANZ. accident, this coverage applies, provided that the hospitalization period is 16.13. The disability by accident must be evidenced through submission to higher than 7 (seven) days. ALLIANZ of a report from a reliable physician with that purpose. ALLIANZ 17.4. Following events will be considered for the purposes of Trip Cancellation has the right to submit the Insured Person to a test evidencing disability Insurance: and/or evaluation of the disability level, under the penalty of non-payment 17.4.1. Death due to accident or disease of spouse or next of kin: parents, of the indemnification. children or brothers and sisters of Client; 16.14. Major Risks Excluded from the Personal Accident Insurance 17.4.2. Hospitalization due to accident or disease of spouse or next of kin: a) Natural Death; parents, children or brothers and sisters of Client; b) Use of nuclear material for any purpose, even under tests and 17.4.3. Hospitalization due to accident, disease or even the death, experiences, transportation of weapons or nuclear projectile or whatever the cause, of the Client him/herself before beginning of nuclear explosions; trip. c) Acts or operations of war, guerrilla, revolution, rebellion, commotion 17.4.4. Answer to judicial notice. or any other disturbance of public order and their consequences; 17.5. Any indemnification by reason of this insurance will be limited to the d) Any type of hernia and its consequences; amount indicated on Section 1, Guarantee Table of these General e) Delivery or miscarriage or their consequences, even when resulting Conditions. from a covered accident; 17.6. The Trip Cancellation Insurance will be considered valid, provided the f) Disturbs or food intoxication, and intoxications resulting from the events above happen at least 48 hours after the purchase of the insurance action of chemical products, drugs or medicines, except for those by the Insured Person, and on the date of contracting the insured person prescribed by physicians due to any covered accident; does not suffer or has knowledge of a disease or accident that may result g) Suicide or attempt of suicide; in the cancellation of the trip, or some fact that generates insurance h) Any mental changes, including those resulting from the use of alcohol, coverage. drugs, narcotics or toxic substances; 18. JURISDICTION i) Hurricanes, cyclones, earthquakes, volcanic eruptions and other 18.1. The parties elect the Court of Client´s Domicile to solve any conflicts arising natural disasters; here from or relating hereto. j) Acts admittedly dangerous, which do not result from a justified need; k) Practice of illicit acts or in violation to law, including driving Assistance Services rendered by MONDIAL ASSISTANCE, CNPJ 52.910.023/0001-37 automotive vehicles and aircrafts without due legal qualification; l) Anaphylaxis and its consequences. Insurance Broker: Mondial Protection Corretora de Seguros Ltda. - SUSEP m) Pre-existing diseases and injuries on the date of individual duration 050626.1.054409-4 - CNPJ 07.724.702/0001-67 – Insurance policies issued by and of which the insured person is knowledgeable; ALLIANZ SEGUROS S. A. - SUSEP 517-7 - CNPJ: 61.573.796/0001-66 – Process n) The diseases (including the professional ones), whatever their causes, SUSEP 15.414.002407/2007-61 (Personal Accident, Trip Cancellation and Loss of even when provoked, originated or aggravated, directly or indirectly, luggage). by an accident. The register of this plan at SUSEP cannot be considered as an incentive or 16.15. In order to receive the indemnification of the Personal Accident insurance, recommendation for its purchase. you or your beneficiary should: 16.15.1. Communicate the event to MONDIAL;

Mondial Travel EURO TAP English Oct092012

Terms & Conditions - MONDIAL TRAVEL EURO PLUS -

www.mondialtravel.com.br

How to call MONDIAL collect from abroad

If you face any difficulty to call us collect you can use one of the numbers listed below, depending on the country you are. Just follow the following steps:

1) Dial the phone number according to the country you are; 2) Dial 1 for Portuguese or 2 for English; 3) Dial 1 to call collect; 4) Dial 11 4126-9411.

Call Collect

Country Telephone Country Telephone 0800 999 55 00 Mexico 01 800 123 02 21

0800 999 55 01 Monaco 800 90 055

0800 999 55 03 163

Australia 1800 881 550 Norway 800 195 50

Austria 0800 200 255 New Zealand 000 955

Belgium 0800 10 055 Panama 00800 0175

Bolivia 800 10 00 55 00855 800

Canada 1 800 463 66 56 Peru 0800 501 90

800 360 220 Poland 00 800 491 14 88 Chile 800 800 272 800 800 550

China 01800 490 0125 Russia 81 0800 209 71 049

01 800 955 00 10 Singapore 800 0550 550 01 800 555 12 21 Slovakia 0800 00 55 00

Costa Rica 0800 055 10 55 Spain 900 99 00 55

Cyprus 800 93 291 South Africa 0800 99 00 55

Denmark 808 855 25 00 722 055 South Korea Dominican Republic 1 800 751 85 00 00 309 551

Ecuador 1 999 177 Sweden 207 990 55

Finland 0800 110 550 Switzerland 0800 55 52 51

France 0800 99 00 55 Taiwan 801 550 055

French Guiana 0800 99 00 55 The Netherlands 0800 022 06 55

Germany 0800 080 00 55 0800 89 00 55 United Kingdom 800 16122 054194 0800 056 74 42

Hong Kong 800 96 00 55 000 455

Hungary 068 000 55 11 1800 344 10 55

180 949 45 50 1800 283 10 55 Israel 180 920 55 55 USA 1800 809 22 92

Italy 800 172 211 1800 745 55 21

Japan 00 663 5055 1888 883 47 83

Luxembourg 0800 20055 Venezuela 0800 100 1550

Mondial Travel EURO TAP English Oct092012