Rural Protect Policy Wording April 2021 Edition : simplebooklet.com

Welcome to HB Underwriting Thank you for choosing Rural Protect Please read carefully all documents that we have provided and keep them in a safe place. If you have any questions, need anything explaining or believe this contract does not meet your needs, please contact us or your insurance adviser. Underwriter The policy is administered by HB Underwriting Agency Ltd. The Personal liability section, Employment practices liability section and Company legal liability section of this policy is underwritten by AXA Insurance UK plc. The family legal expenses insurance section of this policy is administered by Arc Legal Assistance Ltd and underwritten by AmTrust Europe Limited. Your policy Your policy is a contract of insurance between you and us and you have a duty to make a fair presentation of risk to us in accordance with the law. The policy describes the insurance cover for which we have accepted your premium. This insurance is renewable provided that we agree to accept your premium for any subsequent period of insurance. A new schedule will be issued for each period of insurance showing any changes to your cover. Your policy booklet is divided into a number of sections and must be read together with your schedule and any endorsements. Where a section does not apply, your schedule will state that it is ‘not covered’. Throughout this policy, we use definitions and headings. Definitions are used to explain what a word means and are highlighted in bold green print. Details of the policy definitions can be found on page 40. Headings have been used for your guidance and do not form part of the contract. To help you understand the cover provided we have added ‘What is covered’ and ‘What is not covered’. Under the heading ‘What is covered’ we give information on the insurance provided. This must be read with ‘What is not covered’, the policy exclusions, the policy conditions and the section conditions at all times. Under the heading ‘What is not covered’ we draw your attention to what is excluded from your policy. Defined terms are highlighted in bold green. See page 40 for their meanings. 2

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3 rradarstation phone and email: one-to-one expert, friendly advice Enquiry line: 0800 955 6111 (Mon-Fri 8am-6pm) Email: contactus@rradar.com (responses during rradarstation hours) rrdar advisory service and important phone numbers Legal, regulatory and risk management advice included in your policy rradar is a specialist litigation and commercial law firm that uses legal expertise and digital tools to proactively manage, advise and deliver business solutions to reduce business risks, and is included in your Rural Protect Elements policy. rradar gives you the tools and support to confidently run your business in compliance with relevant legislation, while expertly guiding you to safety if problems do arise. By combining professional legal representation and specialist proactive advisory services, rradar’s team can answer your questions, educate your business, and advise on legal and regulatory issues that your business could face, including: • Human resources and employment law • Health and safety and environmental regulations • Corporate manslaughter • Business related crime and regulation • Tax • Money laundering • Bribery and corruption and anti-competitive practices • Plus, advice on corporate governance, directors and shareholders duties, commercial contracts, intellectual property, data protection, GDPR, cybercrime and motor offences. rradarstation’s telephone and email advisory service is available for you and your nominated employees to use as many times as you need; offering your business the right business related regulatory and legal advice, designed to help you manage and minimise your business risks. You and authorised employees have access to rradar’s dedicated team of UK based legal advisors, solicitors and regulatory experts who are contactable via email or phone Monday to Friday between 8am-6pm. They provide one-to-one guidance to help you manage and minimise business risks before they get to crisis point or costly legal claims. There is no limit to the number of times you can contact or access rradarstation webportal or the advisors. For advice that falls outside the scope of rradar’s advisory service they will agree a clear fixed fee with you in advance. These services could include a detailed review of legal documents or the preparation of letters or emails to a third party or the drafting or production of documents. Defined terms are highlighted in bold green. See page 40 for their meanings.

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rradar advisory service and important phone numbers (continued) rradargrace: your intelligent legal assistant, for information on the go Download ‘rradargrace’ from the App store or Google Play store and log in with your rradar account details. rradargrace is accessible as a mobile app, or from your web browser. rradarreport: The Digital Incident Recording Platform Login through rradar.com or download ‘rradareport’ from the App store or Google Play store and log in with your rradar account details (digital platform and RIDDOR incident management available 24/7) You and authorised employees, also have unlimited access, at any time, to rradarstation’s online digital hub. If you have a legal question and need advice quickly, then rradarstation is your first port of call. Whether you require a contract template or examples of corporate letters, each written and verified by raddar’s legal professionals, you will find the answers you are looking for at rradarstation. Written in simple everyday language you get 24/7 access to guidance, videos answering frequent questions and downloable templates to use in the day-to-day running of your businesses. The web portal is easy to navigate and is search enable for key terms and issues. You will need to be registered for a rradar account to log in. rradargrace is your business’ intelligent legal assistant. Using predictive text and voice recognition, with answers to questions regarding your organisation’s legal queries can be delivered to your smartphone or other device, wherever you are, whenever you need them. rradarreport is your digital platform for prompt recording of near miss, minor and major incidents in your workplace. rradarreport is designed specifically to help your business easily document, manage and respond to health and safety risks across your organisation. Designed to work across a wide range of industries, rradarreport offers a fully responsive 24/7 online system that is optimised for desktop, tablet and mobile devices. The information gathered by rradarreport will allow your business to analyse accident data, trends and patterns over time and provides graphical and statistical Defined terms are highlighted in bold green. See page 40 for their meanings. rradarstation: online resources, tools, training and information for you Online resources: Login via: rradar.com (available 24/7) 4

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rradar advisory service and important phone numbers (continued) rradar crisis legal helpline: helping you at the toughest times Crisis helpline: 0800 955 6222 rradar: always supporting you MI to identify Health and Safety spikes, allowing managers to take appropriate actions and limit future incidents occurring. In the case of a RIDDOR reportable Incident, the record is protected by legal privilege. You have access to our expert health and safety lawyers who will provide your business with legally privileged advice around the incident. If a crisis arises, you can call rradar’s business crime crisis line 24/7 and speak directly to their Legal Services Teams who will advise on how to best work with the Police, Health and Safety Executive and all investigating and regulatory bodies. Advice can be provided over the phone, by email, or face to face wherever needed. rradar will provide on- going support throughout a case and aim to provide advice to prevent the same problem from happening again in the future. All incidents that require instant defence or investigation expertise covered under your policy have immediate access to rradar’s expert team. For crisis assistance call 0800 955 6111 (between 8am – 6pm Mon- Fri) and through the out of hours crisis telephone 0800 955 6222 and quote your policy number. rradar’s purpose is entirely focussed on supporting you and your business. Through regular updates on regulatory changes, ever expanding legal support and the quarterly update of key resources and support tools available to you, your policy never stops improving. Visit www.rradar.com for more information including upcoming education pieces, reporting tools, podcasts, webinars and more. *Digital access You will need your rradar account details to log-in to rradarstation online, rradargrace, rradarreport or rradarrecover. These will be emailed to you from rradar once a policy has been purchased, if you are unable to find the email please check your spam folder or contact your insurance adviser who sold you the policy. Defined terms are highlighted in bold green. See page 40 for their meanings. 5

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rradar advisory service and important phone numbers (continued) Legal privilege: peace of mind for you rradar is a fully authorised and regulated legal practice. This means that legal advice, or communication with rradar because of specific claims against you, may not be disclosed in related legal proceedings. Making a claim If you need to make a claim please first check your policy to make sure you are covered. You must then follow the instructions provided on page 8 under the Claims notification condition and Claims procedure condition under Policy conditions. Please contact your insurance adviser who will help us deal with your claim quickly and fairly. Your insurance adviser should e-mail full details of your claim to claims@rradar.com To make a claim under the Family legal expenses insurance section of this policy, please follow the instructions provided on page 39. Making a complaint If you are not happy with the way in which a claim or any other matter has been dealt with, please read ‘Making a complaint’ on pages 49 to 50 of the policy. Crisis public relations advice Crisis PR advice is available when making a claim under your policy. Please contact rradar for crisis PR access: 0800 955 6111 (Mon-Fri 8m-6pm) or 0800 955 6222 (crisis line - outside officehours) Defined terms are highlighted in bold green. See page 40 for their meanings. 6

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Policy conditions You must comply with the following conditions to have the full protection of your policy. If you do not comply then we may at our option take one or more of the following actions: • Cancel the policy; • Declare your policy void (treating your policy as if it never existed); • Change the terms of your policy; • Refuse to deal with all or part of any claim or reduce the amount of any claim payments. If you are unsure about any of these conditions or whether you need to notify us about any matter, please contact us. Please note that the following conditions on pages 7 to 10 do not apply to the Family legal expenses insurance section of this policy. Please refer to pages 31 to 38. Arbitration condition If we agree to pay your claim and you disagree with the amount to be paid it may be referred to an arbitrator who is jointly appointed. Alternatively, depending on the size of your business, you may be able to refer your case to the Financial Ombudsman Service (FOS). In either case this will not affect your right to take legal action against us over this disagreement. Cancellation condition 1) You may cancel your policy within 14 days of receiving your policy for the first period of insurance if for any reason you are dissatisfied or the policy does not meet your requirements. 2) We may cancel the Employment practices liability section and/or the Company legal liability section immediately, if the premium has not been paid. Cancellation of this policy will not affect any claims or rights you or we may have before the date of cancellation. We do not have to offer renewal of your policy; in this case cover will cease on the expiry date. Cancellation condition (Family legal expenses section only) In the following paragraphs, the use of we/us/our refers to Arc Legal Assistance Limited, who manage and provide the Family legal expenses part of this policy, on behalf of the insurer, AmTrust Europe Limited. This cover is provided automatically as part of your main insurance contract and cannot be cancelled in isolation. For details on how to cancel your main insurance contract please contact your insurance adviser. We may cancel the insurance by giving 14 days’ notice in writing to you at the address shown on the schedule, or alternative address provided by you. No refund of premium shall be made. We will only invoke this right in exceptional circumstances as a result of you behaving inappropriately, for example: a) Where we have a reasonable suspicion of fraud b) You use threatening or abusive behaviour or language or intimidation or bullying of our staff or suppliers c) Where it is found that you, deliberately or recklessly, disclosed false information or failed to disclose important information. Claims conditions You and/or any insured person must reimburse us for any defence costs paid where it is later determined that there is no cover under this policy. If a claim is made which is not completely covered by any section of this policy, we will do our best to agree with you or any insured person a fair allocation between loss (as defined in each section of the policy) that is covered and loss (as defined within each section of the policy) not covered by this policy. Defined terms are highlighted in bold green. See page 40 for their meanings. 7

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Policy conditions (continued) Claims notification condition You must: 1) As soon as possible within the period of insurance or at the latest within 45 days after it expires, other than as provided under the legal pursuit extension: a) give us, and the crisis public relations consultants where appropriate, notice of any claim under this policy, in accordance with the terms of each section b) give us, and the crisis public relations consultants where appropriate, all the information we request 2) Immediately a) on receipt send us every letter, court order, summons or other legal documents served upon you b) tell us about any investigation, prosecution, inquest or fatal accident inquiry or dispute for referral to adjudication or court proceedings in connection with any potential claim, in accordance with the terms of each section c) unless otherwise agreed by us in writing, notify the Police of any fraudulent or criminal activity upon discovery. If you do not comply with this condition we have the right to refuse to pay your claim. Claims procedures condition 1) You must take, or allow others to take, practical steps to minimise any claim. 2) At your expense you must provide us with: a) full details in writing and any further information we may reasonably require b) any assistance to enable us to settle or defend a claim c) details of any other relevant insurances. 3) Full details of your claim must be provided to rradar. Unless otherwise agreed in writing by us prior to costs being incurred, rradar will handle your claim. Where we agree to legal representation other than rradar, the maximum following hourly rates shall apply: Partner - £185 per hour Associate - £150 per hour Solicitor - £115 per hour Paralegal - £90 per hour. Where a claim is made against you and/or more than one insured person, unless there is a conflict of interest, the same legal representative should be used. If it is not possible to obtain our consent before incurring defence costs, we will agree to this providing our agreement is obtained within 14 days. 4) You must not accept, negotiate, pay, settle, admit or reject any claim without our prior written consent. 5) We have the right to fully participate in the defence of any claim including the negotiation of any settlement. We will also have the right to defend any claim made against you. 6) Under the Employment practices liability section of your policy, where it is assessed by us and your legal representation that the claim has greater than 60% prospect of a successful defence, you shall have the right to decide whether to defend the claim or agree a settlement. If you do not comply with this condition we have the right to refuse to pay your claim. Contribution condition If on the happening of a circumstance, claim or investigation any other insurance has been effected by you or on your behalf covering any of the covered liabilities under this policy, our liability shall be limited to our rateable proportion of such claim or investigation. If such other insurance is subject to any provision which excludes it from contributing rateably, our liability under this policy shall be limited to that proportion of the claim or investigation which the limit of liability for this policy bears to the value of the claim or investigation. Defined terms are highlighted in bold green. See page 40 for their meanings. 8

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Policy conditions (continued) Fair presentation of risk condition You have a duty to make a fair presentation of the risk which you wish to insure. This applies prior to the start of your policy, if any variation is required during the period of insurance and prior to each renewal. If you do not comply with this condition then 1) if the failure to make a fair presentation of the risk is deliberate or reckless we can elect to make your policy void and keep the premium. This means treating the policy as if it had not existed and that we will not return your premiums, or 2) if the failure to make a fair presentation of the risk is not deliberate or reckless and we would not have provided cover had you made a fair presentation, then we can elect to make your policy void and return your premium or 3) if the failure to make a fair presentation of the risk is not deliberate or reckless and we would have issued cover on different terms had you made a fair presentation of the risk then we can: a) reduce proportionately any amount paid or payable in respect of a claim under your policy using the following formula. We will divide the premium actually charged by the premium which we would have charged had you made a fair presentation and calculate this as a percentage. The same percentage figure will be applied to the full amount of the claim to arrive at the proportion of the claim to be paid or payable; and/or b) treat your policy as if it had included the different terms (other than payment of the premium) that we would have imposed had you made a fair presentation. 4) Where we elect to apply one of the above then a) if we elect to make your policy void, this will be from the start of the policy, or the date of variation or from the date of renewal b) we will apply the formula calculated by reference to the premium that would have been charged to claims from the start of the policy, or the date of variation or from the date of renewal c) we will treat the policy as having different terms imposed from the start of the policy, or the date of variation or from the date of renewal depending on when the failure to make a fair presentation occurs. Fraud condition If you or anyone acting for you: 1) knowingly makes a fraudulent or exaggerated claim under your policy; 2) knowingly makes a false statement in support of a claim (whether or not the claim itself is genuine); or 3) knowingly submit a false or forged document in support of a claim (whether or not the claim itself is genuine), We will: a) refuse to pay the claim; b) declare the policy void, treating it as if it had never existed without any refund of premium; and We may also inform the Police of the circumstances. Instalments condition If you fail to pay a premium instalment to us on the due date, this will result in the Employment practices liability and Company legal liability sections being cancelled from the date the missed instalment was due. You will not be entitled to any return of premium where this happens. If a claim has been made or there has been any circumstance during the current period of insurance the annual premium remains due in full. Law applicable to this policy You and we can choose the law which applies to this policy. We propose that the Law of England and Wales apply. Unless we and you agree otherwise, the Law of England and Wales will apply to this policy. Defined terms are highlighted in bold green. See page 40 for their meanings. 9

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Policy conditions (continued) Notification of potential claims You may give us notice of any circumstance which might lead to a claim under this policy giving reasons for the expectation and including full details of the people and dates involved. Where we accepted the circumstance any future claim arising from this circumstance shall be deemed to have been made in the period of insurance in which the circumstance was first notified. Sanctions condition This contract of insurance is subject to sanction, prohibition or restriction under United Nations resolutions. It is a condition of your policy that we will not provide cover, or pay any claim or provide any benefit under your policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us, or our parent, subsidiary or any AXA group member company, to any trade or economic sanctions, or violate any laws or regulations of the United Kingdom, the European Union, the United States of America or any other territory. Subrogation (our rights) condition We will be entitled to undertake in your name or on your behalf steps to enforce rights against any other party before or after payment is made by us. Third party rights condition The rights of this contract will not be enforceable by any party other than you or us because of the Contract (Rights of Third Parties) Act 1999. Defined terms are highlighted in bold green. See page 40 for their meanings. 10

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Policy exclusions 11 Your policy is subject to exclusions and these tell you what is not covered. The policy exclusions are set out below and apply to your policy as a whole. There are also specific exclusions under each section of cover under the heading ‘What is not covered’. Please note that the following conditions on pages 11 to 12 do not apply to the Family legal expenses insurance section of this policy. Please refer to pages 31 to 38. Bodily injury or property damage exclusion We will not cover any claim, loss (as defined in each section of the policy) or investigation: 1) for psychological or emotional distress other than an employment practice claim 2) for sickness, disease, bodily injury or death other than a safety legislation claim or manslaughter claim 3) for the loss, damage or destruction of any tangible property including loss of use of that property. Breach of professional duty exclusion We will not cover any claim, loss (as defined in each section of the policy) or investigation caused by a breach of or failure to provide professional duties or services. This exclusion shall only apply to your advice and/or services directly provided for a fee. This exclusion will not apply to a claim by any of your shareholders for any actual or alleged failure to supervise the performance of any professional services. Defined benefit pension schemes exclusion We will not cover any claim, loss (as defined in each section of the policy) or investigation caused by: 1) an insured person’s operation or administration of any defined benefit pension scheme 2) an insured person’s breach of any legislation or regulation relating to any defined benefit pension scheme. Excess exclusion We will not pay the excess detailed in your policy schedule (under each section of cover). The excess shall only be payable at the conclusion of any claim and/or investigation, except in respect of pursuit claims where the excess shall be payable upon acceptance of cover. Prior claims, investigations and circumstances exclusion We will not cover any loss (as defined in each section of the policy) or investigation caused by any claim, investigation or circumstance which you were aware of before the start of the period of insurance. Prior litigation exclusion We will not cover any claim, loss (as defined in each section of the policy) or investigation caused by any previous or known litigation or proceedings (including allegations from the same or essentially the same facts) involving an insured person, you or an outside company started before the start of the date of your first purchase of Rural Protect Management Liability. Defined terms are highlighted in bold green. See page 40 for their meanings.

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Policy exclusions (continued) Share offerings exclusion We will not cover any loss (as defined in each section of the policy) or investigation caused by any claim for a wrongful act relating to any actual public offering of your share capital unless: 1) we have given our prior written agreement; and 2) you have paid any additional premium and accepted any amendments we may need to make to the terms and conditions of this policy. Takeovers and mergers exclusion We will not cover any loss (as defined in each section of the policy) or investigation caused by any claim for a wrongful act after you: 1) merge or consolidate with another company; or 2) any party acquires more than 50% of your issued share capital. Defined terms are highlighted in bold green. See page 40 for their meanings. 12

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Policy extension Extended claims notification period cover Your schedule will show if you have this cover. If we or you refuse to renew the policy for any reason other than nonpayment of premium or insolvency, you may purchase an extended claims notification period of 12 months upon payment of 50% of the full policy annual premium. This extended notification period is only available if: 1) we receive your written notice of purchase within 30 days following the end of the period of insurance; and 2) the policy is not replaced by any other policy; and 3) at the end of the period of insurance, you have not merged with another company, nor has any party acquired 50% or more of your issued share capital. If we offer renewal terms, conditions, limits of liability or premiums that are different from those of the expiring policy, this does not mean a refusal to renew. Condition of the cover Where you have taken this cover, the policy Claims notification condition on page 8 is deleted and replaced with the following: You must: 1) as soon as possible within the extended notification period a) give us notice of any claim under this policy, in accordance with the terms of each section b) give us all the information we request 2) immediately a) on receipt send us every letter, court order, summons or other legal documents served upon you b) tell us about any investigation, prosecution, inquest or fatal accident inquiry or dispute for referral to adjudication or court proceedings in connection with any potential claim, in accordance with the terms of each section c) notify the police of any fraudulent or criminal activity upon discovery. If you do not comply with this condition we have the right to refuse to pay your claim. We will not refund any premium to you if you cancel the extended notification period before it ends. Defined terms are highlighted in bold green. See page 40 for their meanings. 13

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Personal Liability section Your schedule will show if this section is covered. Meanings of defined terms You can find the meanings for words in bold green on page 40. There are some words that may only appear in this section or are defined differently. You can find the meanings to the defined terms for this section on page 44. Limit of cover The most we will pay for any one claim including defence costs and/or investigation costs is the limit of liability. Each claim will be treated as being made when we receive written notice of the claim. Investigation costs will be treated as being made when attendance of an insured person is notified as being required. Defined terms are highlighted in bold green. See page 40 for their meanings. 14 Contents of this section Meanings of defined terms Limit of cover 14 14 What is covered 15 What is not covered 18 Section conditions 18

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Personal liability section (continued) What is covered Additional limit for non-idemnifiable loss cover Where the limit of liability has been exhausted, the limit of liability shall be increased by £100,000 per claim and/or investigation for each insured person provided that such limit shall be excess of: a) any other available insurance b) any other available idemnification Bail costs cover We will pay on behalf of any insured person bail costs caused by a claim for a wrongful act. Brexit cover We will pay for any insured person's loss caused by a claim for a wrongful act in connection with the exit of the United Kingdom from the European Union. Circumstance investigation costs cover We will pay the costs of rradar in the investigation of any circumstance reported to us during the period of insurance including the steps that might be appropriate to avert or reduce the potential of a claim. The most we will pay for all circumstance investigation claims in any one period of insurance is £50,000. Claims against an insured person cover We will pay the loss incurred by any insured person caused by a claim for a wrongful act. Company reimbursement cover We will pay for the loss which you are legally allowed to pay on behalf of an insured person caused by a claim for a wrongful act. Compensation for court attendance cover We will pay you at the rate of £250 per day for each insured person and any accompanying husband, wife, civil or unmarried partner provided such insured persons attendance is needed in court in connection with any claim or investigation. Crisis public relations costs cover We will pay crisis public relations costs for any insured person caused by a claim for a wrongful act. Deprivation of assets cover We shall pay the loss of any insured person for deprivation of asset expenses. The most we will pay under this cover is £250,000 for any one claim. This is also the most we will pay for all deprivation of asset claims in any one period of insurance. Personal tax cover We will pay the defence costs of any director or partner in a personal tax investigation where rradar assesses such defence costs will mitigate or avoid a claim against an insured person. The most we will pay under this cover is £25,000 for any one claim. This is also the most we will pay for all personal tax investigation claims in any one period of insurance. Defence costs are solely restricted to the costs of rradar legal. Employment practice claims cover We will pay for the loss caused by an employment practice claim during the period of insurance brought by a current, former or potential employed person. This cover does not apply if the insured person is covered under the Employment practices liability section of this policy. Extradition proceedings cover We will pay, for any insured person, the loss caused by any extradition proceedings against any insured person during the period of insurance caused by a claim for any wrongful act. Insolvency Hearing Costs Cover We will pay the insolvency hearing costs of any insured person. The most we will pay under this cover is £25,000 for any one claim. This is also the most we will pay for all insolvency hearing costs claims in any one period of insurance. Investigation costs cover We will pay the investigation costs caused by an investigation first notified as being required during the period of insurance. Defined terms are highlighted in bold green. See page 40 for their meanings. 15

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Personal liability section (continued) Lineage claims We will pay for the defence costs caused by any lineage claim. The most we will pay under this cover is £50,000 for any one claim. This is also the most we will pay for all lineage claims in any one period of insurance. Management buy-out cover If during the period of insurance members of your existing management team conduct a management buy-out, we agree to provide cover to the same level and terms as this policy for the new company for a period of 30 days from the buy-out date for any wrongful act carried out by any insured person within this 30 day period. Manslaughter claims cover We will pay for the defence costs which you are legally allowed to pay on behalf of an insured person caused by a manslaughter claim against an insured person for a wrongful act. Outside company cover We will pay for the loss incurred by any insured person for any wrongful act within the policy territories carried out in their role as a director, trustee or officer of an outside company. Provided that the insured person acts in that role at your written request and the claim does not arise from a wrongful act carried out after the insured person stopped acting in this role. We will only pay after any cover provided by only the outside company to its directors or officers and any other insurance available to its directors and officers has been used. Personal charity/Not for profit association cover We will pay for the loss incurred by any insured person for any wrongful act within the policy territories carried out in their role in a personal capacity as a director or officer of a charity or any not for profit organisation. Provided that the insured person acts in that role at your written request and the claim does not arise from a wrongful act carried out after the insured person stopped acting in this role. We will only pay after any cover provided by the outside company to its directors or officers and any other insurance available to its directors and officers has been used. Pension/employee benefit schemes cover We will pay for the loss caused by a claim for a wrongful act in connection with an insured person’s operation or administration of any of your pension schemes (other than a defined benefit scheme), employee benefit schemes or trust funds. Pollution claims cover We will pay for the loss arising from pollution caused by a claim for any wrongful act. Retired insured person’s cover In the event that this policy is not renewed or replaced with a similar policy, cover will continue for any insured person who voluntarily stops being an insured person before the date of non-renewal for reasons other than: 1) disqualification from holding such a position; or 2) a take-over or merger, for an unlimited period from the date of non renewal (the ‘run-off period’), provided that: a) cover will only apply to claims caused by any wrongful act carried out or alleged before the date of retirement of the insured person b) the run-off period will run at the same time as any extended notification period c) no similar insurance is in place elsewhere. Safety legislation claims cover We will pay for the defence costs which you are legally allowed to pay on behalf of an insured person caused by a safety legislation claim (or similar legislation in any other jurisdiction) against an insured person for a wrongful act. Tax cover If you become insolvent, this section will extend to pay for any claim against an insured person alleging a wrongful act relating to your unpaid tax liability within the policy territories. Tax Investigation Defence Costs cover We will pay for any insured person’s tax defence costs for any Tax investigation. Defined terms are highlighted in bold green. See page 40 for their meanings. 16

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Personal liability section (continued) What is not covered Deliberate or dishonest acts exclusion We will not cover any claim, loss or investigation caused by: 1) a dishonest or fraudulent act or omission or any intentional breach of any statute or regulation carried out by any insured person 2) an act by any insured person intended to obtain or which does obtain a personal profit or advantage which was not legally theirs 3) an act intended to obtain or which does obtain a profit for any company other than you where an insured person is a director, officer or employee of that company. This exclusion will only apply after a court ruling or an admission by an insured person that such an act did take place. Related party claims in the United States of America exclusion We will not cover any claim, loss or investigation caused by any claim brought by you, an outside company or an insured person within or subject to the laws of the United States of America. This exclusion will not apply to: 1) defence costs 2) any shareholder derivative proceedings in your name without your or any insured person’s solicitation, assistance or participation 3) any claim brought by your liquidator, receiver or administrative receiver or similar body 4) any employment practices claim 5) any claim made by a previously insured person of yours 6) any claim seeking a contribution or indemnity if that claim would be covered by this section if made against an insured person. Specific United States of America legislation exclusion We will not cover any claim, loss or investigation caused by the following legislation in the United States of America: 1) any breach of the Racketeer Influenced and Corrupt Organizations Act 18 USC Sections 1961 et seq., any amendments to this Act or any rules or regulations made under it 2) any breach of the Securities Act of 1933 or the Securities Exchange Act of 1934, both as amended, the rules or regulations of the Securities Exchange Commission under either or both Acts, similar securities laws or regulations of any state, or any laws of any state relating to any transaction caused by, involving or relating to the sale of securities 3) any breach of the Employment Retirement Income Security Act of 1974 as amended, or any rules or regulations made under it, or similar provisions of any federal, state or local law. Section conditions The policy conditions all apply equally to each insured person and to you other than: Fair presentation of risk condition The policy condition, Fair presentation of risk condition on page 9 will only apply under this section to an insured person who had knowledge of a misstatement or omission before the period of insurance that could affect the terms and/or conditions of this policy. In these circumstances we waive our right to cancel the policy on the grounds of non-disclosure, misrepresentation or fraud. Severability condition All information which any insured person provided before we agreed to insure you will be considered as a separate application for each insured person. The knowledge of or any statement made by any insured person will not be applied to any other insured person for the purposes of deciding whether cover is available for any claim. Defined terms are highlighted in bold green. See page 40 for their meanings. 18

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Employment practices liability section 19 Your schedule will show if this section is covered. Meanings of defined terms You can find the meanings for words in bold green on page 40. There are some words that may only appear in this section or are defined differently. You can find the meanings to the defined terms for this section on page 45. Limit of cover The most we will pay for any one claim including defence costs and/or investigation costs is the limit of liability. Each claim will be treated as being made when we receive written notice of the claim. Investigation costs will be treated as being made when your or an insured person’s attendance is notified as being required. Defined terms are highlighted in bold green. See page 40 for their meanings. Contents of this section Meanings of defined terms 19 Limit of cover 19 What is covered 20 What is not covered 21 Section conditions 22

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Employment practices liability section (continued) What is covered Claims by employees cover We will pay for your or any insured person’s loss caused by a claim by an employed person alleging an employment practice wrongful act. The excess will not apply to any claim brought only against an insured person. Claims by others cover We will pay for your or any insured person’s loss caused by a claim by anyone other than an employed person alleging an employment practice wrongful act. Compensation for court attendance cover We will pay you at the rate of £250 per day for each insured person and any accompanying husband, wife, civil or unmarried partner provided such insured person’s attendance is needed in court in connection with any claim or investigation. Investigation costs cover We will pay for your or any insured person’s investigation costs caused by an investigation first notified as being required during the period of insurance. The excess will not apply to any investigation that only involves an insured person. Management buy-out cover If during the period of insurance members of your existing management team conduct a management buy-out, we agree to provide cover for the new company at the same level and terms of this policy for a period of 30 days from the buy- out date for any employment practice wrongful act carried out by any insured person within this 30 day period. Outside company cover We will pay for the loss incurred by any insured person for any employment practice wrongful act carried out by an insured person in their role as an employed person of an outside company. Provided that the insured person acts in that role at your written request and the claim does not arise from a wrongful act carried out after the insured person stopped acting in this role. We will only pay after any cover provided by the outside company to its directors or officers and any other insurance available to its directors and officers has been used. Defined terms are highlighted in bold green. See page 40 for their meanings. 20

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Employment practices liability section (continued) 21 What is not covered Claims outside of the United Kingdom exclusion We will not cover any claim, loss or investigation caused by any employment practice claim outside of the United Kingdom. Collective bargaining agreements exclusion We will not cover any claim caused by your failure to act in accordance with any collective bargaining agreement other than: 1) allegations of retaliatory treatment 2) defence costs and/or investigation costs. Contractual payments exclusion We will not cover any claim caused by your failure to pay any amount you must pay under contract to an employed person. This includes but is not limited to: 1) payments for notice periods (contractual or statutory); or 2) any breach of any minimum wage requirements. This exclusion does not apply to defence costs and/or investigation costs. Deliberate and dishonest acts exclusion We will not cover any deliberate breach of employment regulation, deliberately not following the advice provided by the employment helpline, or other solicitor/human resources advisor, or any other dishonest or fraudulent act carried out by you or any of your senior management or human resources department. Legal requirements exclusion We will not cover any claim, loss or investigation caused by your legal duties in relation to your: 1) health and safety requirements 2) payment of unemployment benefits 3) payment of social security benefits 4) payment of retirement benefits 5) payment of disability benefits. This exclusion does not apply to defence costs for any claim caused by retaliatory treatment. Non-compensatory payments exclusion We will not cover any claim, loss or investigation caused by: 1) the failure to pay for anyone else’s liability which you must legally take on under any contract or agreement. This does not apply to any claim that would have happened without such contract or agreement 2) any non-financial order 3) any amount for the costs of agreeing or refusing to agree with a court or other order for the reinstatement of an employed person other than basic salary from the original date of dismissal to the date of court or other order. This exclusion does not apply to defence costs and/or investigation costs. Pension rights exclusion We will not cover any claim caused by: 1) any employed person’s loss of any right or benefit under any pension scheme, private health insurance or other employee benefit scheme 2) the operation or administration of any pension or employee benefit scheme or trust fund 3) your breach of any legislation or regulation related to these activities. This exclusion does not apply to defence costs and/or investigation costs. Tax exclusion We will not cover any claim caused by your failure to pay taxes. This exclusion does not apply to defence costs and/or investigation costs. Trade Union membership exclusion We will not cover any claim caused by membership or non-membership of any trade union or similar organisation other than: 1) allegations of retaliatory treatment 2) defence costs and/or investigation costs. Defined terms are highlighted in bold green. See page 40 for their meanings.

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Employment practices liability section (continued) Section conditions The policy conditions all apply equally to each insured person and to you other than: Fair presentation of risk condition The policy condition, Fair presentation of risk condition shown on page 8 will only apply under this section to an insured person who had knowledge of a misstatement or omission before the period of insurance that could affect the terms and/or conditions of this policy. Severability condition All information which any insured person provided before we agreed to insure you will be considered as a separate application for each insured person. The knowledge of or any statement made by any insured person will not be applied to any other insured person for the purposes of deciding whether cover is available for any claim. With respect to any claim made against you. Only statements made (made whether in the proposal or otherwise) and information possessed by any Finance Director, Chief Executive, Human Resources Director, Managing Director or Chairman of the Company or any other person authorised by the Company to make statements or complete the Proposal shall be attributed to you in determining whether cover applies under your policy. Defined terms are highlighted in bold green. See page 40 for their meanings. 22

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23 Company legal liability section Your schedule will show if this section is covered. Meanings of defined terms You can find the meanings for words in bold green on page 40. There are some words that may only appear in this section or are defined differently. You can find the meanings to the defined terms for this section on page 46. Limit of cover The most we will pay for any one claim including defence costs and/ or investigation costs is the limit of liability. Each claim will be treated as being made when we receive written notice of the claim. Investigation costs will be treated as made when your or an insured person’s attendance is notified as being required. Defined terms are highlighted in bold green. See page 40 for their meanings. Contents of this section Meanings of defined terms 23 Limit of cover 23 What is covered 24 Section extensions 26 What is not covered 28 Section conditions 29

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Company legal liability section (continued) What is covered Breach of Data Protection cover We will pay for your loss for a breach of Data Protection law. Brexit cover We will pay for your loss caused by a wrongful act in connection with the withdrawal of the United Kingdom from the European Union. Circumstances investigation costs We will pay the costs of rradar in the investigation of any circumstance reported to us during the period of insurance including the steps that might be appropriate to avert or reduce the potential of a claim. The most we will pay for all circumstance investigation claims in any one period of insurance is £50,000. Compensation for court attendance cover We will pay you at the rate of £250 per day for each insured person and any accompanying husband, wife, civil or unmarried partner provided such insured person’s attendance is needed in court in connection with any claim or investigation. Contractual liability cover We will pay your defence costs caused by any contractual liability claim. The most we will pay under this cover is £100,000 for any one claim. This is also the most we will pay for all contractual liability claims in any one period of insurance. Crisis public relations costs We will pay crisis public relations costs caused by any claim or investigation made against you for a wrongful act. Cyber liability cover We will pay for your defence costs resulting from any cyber liability. The most we will pay for any cyber liability claim is £50,000 any one claim. This is also the most we will pay for all cyber liability claims in any one period of insurance. Data protection breach cover We will pay the costs of rradar in contacting your customers and suppliers as legally required following a data protection breach. The most we will pay under this cover is £100,000 for any one claim. This is also the most we will pay for all in any one period of insurance. Employee dishonesty cover We will pay for your direct financial loss caused by the dishonesty of an employed person discovered during the period of insurance. Provided that there was a clear intention to cause you financial loss or damage and for that person to obtain a financial gain other than salary, bonus or commission. The most we will pay under this cover is £100,000 for any one claim. This is also the most we will pay for all Employee dishonesty claims in any one period of insurance. Identity fraud cover We will pay for your loss resulting from identity fraud. Infringement of copyright cover We will pay your defence costs caused by any infringement of Copyright claim. The most we will pay under this cover is £50,000 for any one claim. This is the most we will pay for all Infringement of Copyright claims in any one period of insurance. Insolvency Hearing Costs Cover We will pay the insolvency hearing costs of any insured person. The most we will pay under this cover is £25,000 for any one claim. This is also the most we will pay for all insolvency hearing costs claims in any one period of insurance. Investigation costs cover Pre-investigation cover is available via the rradar policy helpline page 3. We will pay for your investigation costs caused by an investigation against you which you first notified as being required during the period of insurance. Lineage claims We will pay for the defence costs caused by any lineage claim. The most we will pay under this cover is £50,000 for any one claim. This is also the most we will pay for all lineage claims in any one period of insurance. Defined terms are highlighted in bold green. See page 40 for their meanings. 24

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Company legal liability section (continued) Loss of documents cover We will pay the costs of replacing or restoring any document, data or information lost, damaged or destroyed whilst in your possession during the period of insurance. The most we will pay under this cover is £100,000 for any one loss of documents event. This is also the most we will pay for all loss of documents claims in any one period of insurance. Management buy-out cover If during the period of insurance members of your existing management team conduct a management buy-out, we agree to provide cover for the new company at the same level and terms as this policy for a period of 30 days from the buy- out date for any wrongful act carried out by any insured person within this 30 day period. Manslaughter claims cover We will pay for your defence costs caused by a manslaughter claim made against you for a wrongful act. Negative social media crisis public relations costs cover We will pay crisis public relations costs necessary to mitigate the adverse effect or potentially adverse effect to your reputation following any sustained negative publicity in relation to your business activities or practices that is posted on any internet-based social media platform or website. The most we will pay for all negative social media public relations costs claims in any one period of insurance is £25,000. Other wrongful acts cover We will pay for your loss caused by any claim made against you for a wrongful act. Pension/employee benefit schemes cover We will pay for your loss caused by any claim made against you for a wrongful act in connection with your operation or administration of any pension or employee benefit scheme or trust fund. Pollution claims cover We will pay for your defence costs caused by any claim made against you for a wrongful act in connection with pollution. The most we will pay under this cover is £100,000 for any one claim. This is also the most we will pay for all claims, made against you for a wrongful act in connection with pollution, in any one period of insurance. Pollution claims clean up costs cover We will pay your loss for pollution clean up costs for any claim and/or investigation made against you. The most we will pay under this cover is £25,000 for any one claim. This is also the most we will pay for all loss of pollution claims in any one period of insurance. Regulatory mitigation cover We will pay your Regulatory Mitigation costs for any regulatory self reporting. Safety legislation claims cover We will pay for your defence costs caused by a safety legislation claim caused by any claim made against you for a wrongful act. Tax cover We will pay for your defence costs caused by a claim for breach of any tax law, act or regulations. An excess of £100 each and every claim shall apply to routine tax matters. Telephone fraud cover We will pay your direct financial loss discovered during the period of insurance caused by telephone fraud. The most we will pay under this cover is £10,000 for any one claim. This is also the most we will pay for all telephone fraud claims in any one period of insurance. Tax defence costs We will pay for any your tax defence costs for any Tax investigation. Third party electronic funds transfer cover We will pay for your direct financial loss caused by the dishonesty of any third party accessing your computer systems and transferring funds with the intention of obtaining an improper financial gain. The most we will pay under this cover is £10,000 for any one claim. This is also the most we will pay for all third party electronic Fund transfer claims in any one period of insurance. Defined terms are highlighted in bold green. See page 40 for their meanings. 25

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Company legal liability section (continued) Third party fraud or forgery cover We will pay for your direct financial loss discovered during the period of insurance caused by third party fraud or forgery. The most we will pay under this cover is £10,000. This is also the most we will pay for all third party fraud and forgery claims in any one period of insurance. Cover for Fees for Intervention We will pay for your loss incurred from fees for intervention as a result of a material breach identified by the Health & Safety Executive. Also including Environmental Agency Fees and Pension Civil penalties. Section extensions Legal pursuit extension This extension attaches to and forms part of your policy and is subject to the Policy conditions, exclusions and defined terms: The cover Aggregate limit of liability: £100,000 We will provide cover up to the Aggregate limit of liability any one period of insurance and subject to the excess stated provided that: 1) the date of occurrence happens during the period of insurance and occurs within the policy territories in connection to your business; 2) any legal proceedings will be dealt with by a court, or other body which we agree to, in the policy territories; and 3) all cover provided by this Legal pursuit extension relates to costs solely incurred by rradar. Contract disputes and debt recovery cover rradar will negotiate for your legal rights in a contractual dispute entered into by you or on your behalf for the purchase, hire, sale or provision of goods, services or the lease, license or tenancy of land or buildings. Provided that: 1) the minimum amount in dispute exceeds £5,000 2) if the amount in dispute is payable in instalments, the instalments due and payable at the time of making the claim exceed £5,000 3) if the dispute relates to money owed to you, a claim is notified to rradar within 90 days of the money becoming due and payable. Should your policy period expire, provided renewal is agreed, the 90 days notification shall continue into the following policy. 4) Costs incurred in any debt recovery claim up to £10,000 shall not exceed 50% of the total amount of the claim. Restrictive covenant cover rradar will negotiate for your legal rights in pursuing: 1) an undertaking or injunction against a former employee alleging breach of their restrictive covenant or confidentiality clause; 2) damages for breach of restrictive covenant or confidentiality clause. Trespass, nuisance, person removal and property damage cover rraadar will negotiate your legal rights in any dispute relating to your property, arising from nuisance, the need to remove any trespassing persons or physical damage to your property. Agricultural Tenancy dispute cover rraadar or its nominated representative will negotiate your legal rights in negotiating disputes or preparing for and representing you at an Arbitration proceeding, Land Court or an Agricultural Land Tribunal as required under the 1986 Agricultural Holdings Act, the 1995 Agricultural Tenancies Act (Farm Business Tenancies), the Agricultural Holdings (Scotland) Acts 1991 and 2003 providing ‘dispute of’ a rent review notice was commenced after the start of your policy. The most we will pay in total in any one period of insurance in respect of claims for Rent disputes is £10,000. We will pay the costs incurred by your opponents in a dispute covered by this section if you have been ordered to pay them or rraadar have agreed to pay them, subject to the policy limit. Defined terms are highlighted in bold green. See page 40 for their meanings. 26

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Company legal liability section (continued) Common Agricultural Policy Schemes (CAP) appeals cover rradar will negotiate your legal rights in preparing for and representing you at an appeal against any payment reduction imposed under the Common Agricultural Policy including but not limited to the Single Payment Scheme (SPS), the Basic Payment Scheme (BPS), Environmental Stewardship (ES), Uplands Transitional Payment (UTP and the Woodland Management Grant and Farm Woodland Payment elements of the English Woodland Grant Scheme. The most we will pay in total in any one period of insurance in respect of claims for Common Agricultural Policy Scheme Appeals is £10,000. Additional exclusion applicable to Legal pursuit extension We will not pay for: 1) any excess shown; 2) any claim relating to: a) settlement payable under an insurance policy or loan, mortgage, pension, investment or borrowing; Other than Agricultural Tenancy, any dispute arising from or relating to the renewal of a lease or tenancy agreement or rent review 3) the recovery of money and the interest due from another party other than disputes where the other party intimates that a defence exists 4) any claim, that in the opinion of rradar, that has a less than 51% prospect of success 5) costs incurred before rradar have consented to such costs being incurred. 6) Any claim pursuing negligence or contractual dispute for wrongful advice or professional negligence Additional definitions applicable to Legal pursuit extension Confidentiality clause A term in your employment contract restricting the use of your information or trade secrets gained in the ordinary course of your business. Date of occurrence For civil cases (other than under Contract disputes), the date of occurrence is when the cause of civil action first took place for Contract disputes, the date of occurrence is when the insured person could reasonably be expected to become aware of the breach of contract. Policy territories Great Britain, Northern Ireland, the Channel Islands and the Isle of Man. Aggregate limit of liability The most we will pay in total in any one period of insurance in respect of claims made during the period of insurance. Claim(s) The cost of rradar advice and support in pursuing your legal rights under the terms and conditions of this Legal pursuit extension. Restrictive covenant An express term in your employment contract preventing an ex-employee acting in a manner that prejudices your business interests by: 1) competing with you; 2) soliciting business from your customers; 3) dealing with your customers; 4) attempting to employ your employees; for a reasonable time after leaving your employment. rradar rradar Limited, The Beacon, 6 Beacon Way, Hull, HU3 4AE. Company registration number is 07738271. Defined terms are highlighted in bold green. See page 40 for their meanings. 27

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Company legal liability section (continued) What is not covered Claims outside of the policy territories exclusion We will not cover any loss or investigation caused by any claim outside the policy territories. Deliberate or dishonest acts exclusion We will not cover any claim, loss or investigation caused by: 1) a dishonest or fraudulent act or omission or any intentional breach of any statute or regulation carried out by any insured person acting for you This exclusion does not apply to any regulatory self reporting 2) an act by any insured person intended to obtain or which does obtain a personal profit or advantage which was not legally theirs other than a claim under the Employee dishonesty cover or Third party electronic funds transfer cover 3) an act intended to obtain or which does obtain a profit for any company other than you where an insured person is a director, officer or employee of that company. Employment exclusion We will not cover any claim, loss or investigation caused by any employment practice claim. Employee dishonesty and third party funds transfer exclusions We will not cover any claim, loss or investigation caused by employee dishonesty or third party funds transfer in relation to: 1) any accounting or arithmetical error, omission or unexplained shortage 2) any default on a credit or other loan agreement 3) any loss of interest, loss of profit or any other indirect financial loss. We will also not cover your costs of establishing the amount of your direct financial loss. Failure to fund pension, share ownership or employee benefit schemes exclusion We will not cover any claim, loss or investigation for your failure to fund any pension, share ownership employee benefit or any other similar scheme. Products liability exclusion We will not cover any claim, loss or investigation caused by the sale, manufacture, installation or supply of any of your products. This exclusion does not apply to any investigation costs cover and/or criminal or regulatory proceeding. Virus exclusion Other than as provided by cyber liability cover, we will not cover any claim, loss or investigation caused by the transmission or receipt of a virus or similar mechanism. Pollution Claims clean up cost cover exclusion We will not cover costs and expenses covered by any other insurance. Defined terms are highlighted in bold green. See page 40 for their meanings. 28

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Company legal liability section (continued) 29 Section conditions Severability condition Only statements made (whether in the Proposal or otherwise) and information possessed by any Finance Director, Chief Executive, Human Resources Director, Managing Director or Chairman of the company or any other person authorised by the Company or any other person authorised by the Company to make statements or complete the Proposal shall be imputed to you in determining whether cover applies under your policy. Fair presentation of risk condition The policy condition, Fair presentation of risk condition shown on page 9 will only apply under this section to an insured person who had knowledge of a misstatement or omission before the period of insurance that could affect the terms and/or conditions of this policy. Defined terms are highlighted in bold green. See page 40 for their meanings.

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Family legal expenses insurance section Defined terms are highlighted in bold green. See page 40 for their meanings. Your schedule will show if this section is covered. Meanings of defined terms You can find the meanings for words in bold green on page 40. There are some words that may only appear in this section or are defined differently. You can find the meanings to the defined terms for this section on page 47. Cover Family Legal Protection provides:- • Assistance Helplines including 24/7 Legal Advice • Insurance for legal costs for certain types of disputes 30 Contents of this section Meanings of defined terms 30 Cover 30 Assistance helpline services 31 Terms of cover 31 Sections of cover 32 General exclusions 37 Conditions 37 Customer services information 39

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Family legal expenses insurance section (continued) Assistance helpline services Legal and Tax Helpline You can use the helpline service to discuss any legal or taxation problem occurring within the United Kingdom, the Channel Islands and the Isle of Man and arising during the period of this policy. Simply telephone 0333 234 3493 and quote “HB Underwriting – Family Legal Expenses”. For our joint protection telephone calls may be recorded and/or monitored. Debt Counselling Helpline Managing money well is sometimes overlooked in the pressures of daily lives. You can talk about any financial concerns or worries through our 24/7 Debt Counselling Helpline. Expert confidential help is at hand through our trained independent counsellors ready to assist with counselling, support, advice and help. If your debt is complicated the counsellor can also direct your call to our specialist debt experts who will talk through the stages of prioritising the debts and steps to resolution. Importantly once you are managing your money concerns the support of our counsellors is available 24/7 to help you find better ways to control future spending and deal with money related issues. Simply telephone 0344 770 1036 and quote “HB Underwriting – Family Legal Expenses”. Health and Medical Information service This telephone service provides information on general health issues, and non-diagnostic information on medical matters. Information can be given on a wide variety of topics and on resources that provide further support. This helpline is open 24 hours a day, seven days a week. Simply telephone 0344 770 1036 and quote “HB Underwriting – Family Legal Expenses”. Terms of cover This section of the policy is managed and provided by Arc Legal Assistance Limited. It is underwritten by AmTrust Europe Limited, on whose behalf we act. If a claim is accepted under this insurance, we will appoint our panel solicitors, or their agents, to handle your case. You are not covered for any other legal representatives’ fees unless it is necessary to start court proceedings or a conflict of interest arises. Where it is necessary to start court proceedings or a conflict of interest arises and you want to use a legal representative of your own choice, advisers’ costs payable by us are limited to no more than (a) our standard advisers’ costs; or (b) the amount recoverable under the Civil Procedure Fixed Recoverable Costs Regime, whichever is the lower amount. The insurance covers costs as detailed under the separate sections of cover, up to the maximum amount payable where:- a) The insured event takes place in the period of insurance and within the territorial limits and b) The legal action takes place within the territorial limits. This insurance does not provide cover where something you do or fail to do prejudices your position or the position of the insurer in connection with the legal action. Important conditions If your claim is covered under a section of this policy and no exclusions apply then it is vital that you comply with the conditions of this policy in order for your claim to proceed. The conditions applicable to this section are contained under the ‘Conditions’ section below and should be read carefully. Some of the main conditions to this insurance are that: Prospects of Success There must be a 51% or greater chance of winning the case and achieving a positive outcome. A positive outcome includes, but is not limited to, recovering the amount of money at stake, enforcing a judgment or achieving an outcome which best serves your interests. The assessment of your claim and the prospects of its success will be carried out by an independent adviser. If the adviser determines that there is not a 51% or greater chance of success, then we may decline or discontinue support for your case. Defined terms are highlighted in bold green. See page 40 for their meanings. 31

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Family legal expenses insurance section (continued) Proportional Costs An estimate of the costs to deal with your claim must not be more than the amount of money in dispute. The estimate of the costs will be provided with the assessment of your case and will be carried out by the independent adviser. If the estimate exceeds the amount in dispute then we may decline or discontinue support for your case. Duty of Disclosure If this policy covers you as a private individual, unrelated to any trade, business or profession, you must take reasonable care to disclose correct information. The extent of the information you are required to disclose will be based on, among other things, the type of insurance, explanatory material and the clarity and specificity of the questions you are asked when you took out this insurance. What is covered Consumer Pursuit What is covered Costs to pursue a legal action following a breach of a contract you have for buying or renting goods or services for your private use only. The contract must have been made after you first purchased this insurance. What is not covered:- Claims a) Where the amount in dispute is below £250 plus VAT b) Where the breach of contract occurred before you purchased this insurance c) For and/or in any way related to professional negligence d) Involving a vehicle owned by you or which you are legally responsible for e) Arising from a dispute with any government, public or local authority f) Arising from the purchase or sale of your main home g) Relating to a lease tenancy or licence to use property or land h) Relating to a dispute about either the amount an insurance company should pay to settle an insurance claim or the way a claim should be settled i) Relating to a dispute with any financial services supplier arising from the sale or performance of products and services offered or provided to you j) Directly or indirectly arising from planning law k) Directly or indirectly arising from constructing buildings or altering their structure for your use, except in relation to disputes where the amount in dispute is below £5000 inc. VAT Consumer Defence What is covered Costs to defend a legal action brought against you following a breach of a contract you have for selling your own personal goods. The contract must have been made after you first purchased this insurance unless you have held this or equivalent cover with us or another insurer continuously from or before the date on which the agreement was made. Defined terms are highlighted in bold green. See page 40 for their meanings. 32

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Family legal expenses insurance section (continued) What is not covered:- Claims a) Where the amount in dispute is below£250 plus VAT b) Where the breach of contract occurred before you purchased this insurance c) Involving a vehicle owned by you or which you are legally responsible for d) Arising from a dispute with any government, public or local authority e) Arising from the sale or purchase of your main home f) Relating to a lease tenancy or licence to use property or land Personal Injury What is covered Costs to pursue a legal action following an accident resulting in your personal injury or death against the person or organisation directly responsible. If the legal action is going to be decided by a court in England or Wales and the damages you are claiming are above the small claims track limit, the adviser must enter into a conditional fee agreement which waives their own fees if you fail to recover the damages that you are claiming in the legal action in full or in part. If the damages you are claiming are below the small claims track limit advisers’ costs will not be covered but you can access the legal helpline for advice on how to take your case further. What is not covered:- Claims a) Arising from medical or clinical treatment, advice, assistance or care b) For stress, psychological or emotional injury unless it arises from you suffering physical injury c) For illness, personal injury or death caused gradually and not caused by a specific sudden event Clinical Negligence What is covered Costs to pursue a legal action for damages following clinical negligence resulting in your personal injury or death against the person or organisation directly responsible. If the legal action is going to be decided by a court in England or Wales and the damages you are claiming are above the small claims track limit, the adviser must enter into a conditional fee agreement which waives their own fees if you fail to recover the damages that you are claiming in the legal action in full or in part. If the damages you are claiming are below the small claims track limit advisers’ costs will not be covered but you can access the legal helpline for advice on how to take your case further. What is not covered:- Claims for stress, psychological or emotional injury unless it arises from you suffering physical injury. Employment Disputes What is covered Standard advisers’ costs to pursue a legal action brought before an Employment Tribunal (or its equivalent in Scotland, Northern Ireland, the Channel Islands or the Isle of Man) against an employer or ex-employer for breach as an employee of your:- a) contract of employment; or b) legal rights under employment laws. What is not covered:- Claims a) For a dispute with an employer or ex- employer unless it is pursued in an Employment Tribunal (or its equivalent in Scotland, Northern Ireland, the Channel Islands or the Isle of Man) b) For standard advisers’ costs of any disciplinary, investigatory or grievance procedure connected with your contract of employment or the costs associated with any settlement agreement c) Where the breach is alleged to have commenced or to have continued after termination of your employment d) For an allegation of less favourable treatment between men and women in terms of pay and conditions of employment Property Infringement What is covered:- Costs to pursue a legal action for nuisance or trespass against the person or organisation infringing your legal rights in relation to your main home. Defined terms are highlighted in bold green. See page 40 for their meanings. 33

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Family legal expenses insurance section (continued) What is not covered:- Claims a) In respect of works undertaken or to be undertaken by or under the order of any government or public or local authority b) For adverse possession c) In respect of a contract you have entered into d) Directly or indirectly arising from planning law e) Directly or indirectly arising from constructing buildings or altering their structure for your use f) Directly or indirectly arising from: i) Subsidence meaning downward movement of the ground beneath buildings where the movement is unconnected with the weight of the building ii) Heave meaning the upward or sideways movement of the site on which buildings are situated caused by swelling of the ground iii) Land slip meaning downward movement of sloping ground iv) Mining or quarrying Property Damage What is covered Costs to pursue a legal action for damages against a person or organisation that causes physical damage to your main home. The damage must have been caused after you first purchased this insurance. What is not covered:- Claims a) In respect of works undertaken or to be undertaken by or under the order of any government or public or local authority b) In respect of a contract you have entered into c) Directly or indirectly arising from planning law d) Directly or indirectly arising from constructing buildings or altering their structure for your use e) Directly or indirectly arising from: i) Subsidence meaning downward movement of the ground beneath buildings where the movement is unconnected with the weight of the building ii) Heave meaning the upward or sideways movement of the site on which buildings are situated caused by swelling of the ground iii) Land slip meaning downward movement of sloping ground iv) Mining or quarrying Motor Prosecution Defence What is covered Standard advisers’ costs to defend a legal action in respect of a motoring offence, arising from your use of a vehicle. Pleas in mitigation are covered where there is a 51% or greater prospect of such a plea materially affecting the likely outcome. What is not covered:- Claims a) For alleged road traffic offences where you did not hold or were disqualified from holding a licence to drive or are being prosecuted for driving whilst under the influence of alcohol or non-prescribed drugs, or prescription medication where you have been advised by a medical professional not to drive. b) For standard advisers’ costs where you are entitled to a grant of legal aid from the body responsible for its administration, or where funding is available from another public body, a trade union, employer or any other insurance policy c) For parking offences which cannot lead to penalty points on your licence d) For standard advisers’ costs incurred in excess of any costs you are able to recover under a Defendants Costs Order Tax What is covered Standard advisers’ costs incurred by an Accountant if you are subject to an HM Revenue and Customs full enquiry into your personal Income Tax position. This cover applies only if you have:- a) Maintained proper, complete, truthful and up to date records b) Made all returns at the due time without having to pay any penalty c) Provided all information that HM Revenue and Customs reasonably requires What is not covered:- Claims a) Where: i) Deliberate misstatements or omissions have been made, to the authorities ii) Income has been under-declared because of false representations or statements by you Defined terms are highlighted in bold green. See page 40 for their meanings. 34

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Family legal expenses insurance section (continued) 35 iii) You are subject to an allegation of fraud b) For standard advisers’ costs for any amendment after the tax return has initially been submitted to HM Revenue and Customs c) For enquiries into aspects of your Tax Return (Aspect Enquiries) School Admission Disputes What is covered Standard advisers’ costs to appeal against the decision of a Local Education Authority (LEA) arising out of the LEA’s failure to conform to its published admission policy, which leads to your child or children being refused entry at the state school of your choice. What is not covered:- Claims a) Arising where examinations or other selection criteria are part of the acceptance process b) Where the process for appealing against the decision to refuse a place at the school has not been adhered to c) Where the child has been suspended, expelled or permanently excluded from another school Probate What is covered Costs to pursue legal proceedings within the territorial limits by you in respect of a probate dispute involving the will of your deceased parents or grandparents, children, step-children or adopted children where you are contesting a will as a named beneficiary or as a member of a class of beneficiaries with an immediate interest. What is not covered:- Claims in respect of any dispute or costs where a will has not been previously made or concluded or cannot be traced. Personal Identity Fraud What is covered Costs arising from identity fraud:- a) To defend your legal rights and/or take steps to remove County Court Judgments against you that have been obtained by an organisation from which you are alleged to have purchased, hired or leased goods or services. Cover is only available if you deny having entered in to the contract and allege that you have been the victim of identity fraud b) To deal with all organisations that have been fraudulently applied to for credit, goods or services in your name or which are seeking monies or have sought monies from you as a result of identity fraud c) In order to liaise with credit referencing agencies and all other relevant organisations on your behalf to advise that you have been the victim of identity fraud What is not covered:- Claims a) Where you have not been the victim of Identity Fraud b) Where you did not take action to prevent yourself from further instances of identity fraud following an insured event c) Where the identity fraud has been carried out by somebody living with you d) For costs arising from loss of cash from a bank, building society, credit union or other similar financial institution where that institution has refused to cover the loss You must agree to be added to the CIFAS Protection Register if we recommend it. Legal Defence What is covered a) Costs in a legal action to defend your legal rights in the following circumstances arising out of your work as an employee:- i) Prior to being charged when dealing with the police or Health & Safety Executive or others with the power to prosecute ii) In a prosecution brought against you in a court of criminal jurisdiction iii) In a civil action brought against you as a data controller for compensation under data protection legislation iv) In civil proceedings brought against you under legislation for unlawful discrimination b) Costs in a legal action to defend your legal rights arising out of a formal investigation or disciplinary hearing brought against you by any trade association or professional or regulatory body What is not covered:- Claims a) For alleged road traffic offences where you did not hold or were disqualified from holding a licence to drive or are being Defined terms are highlighted in bold green. See page 40 for their meanings.

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Family legal expenses insurance section (continued) prosecuted for driving whilst under the influence of alcohol or non - prescribed drugs, or prescription medication where you have been advised by a medical professional not to drive. b) For costs where you are entitled to a grant of legal aid from the body responsible for its administration, or where funding is available from another public body, a trade union, employer or any other insurance policy c) For parking offences which cannot lead to penalty points on your licence d) Following an allegation of violence or dishonesty e) For standard advisers’ costs incurred in excess of any costs you are able to recover under a Defendants Costs Order Tenancy Dispute What is covered Costs to pursue a legal action:- a) Following your unlawful eviction from a property occupied by you under an Assured Shorthold Tenancy. Cover under this section applies to your permanent place of residence only b) Against a landlord following a material breach of a tenancy agreement. The ‘material breach’ is a breach which has resulted in, or if not rectified is likely to result in the property being unfit for habitation We will provide this cover as long as the eviction happens within the period of insurance and within the territorial limits What is not covered:- Claims a) To do with the non-payment of rent b) To defend any legal proceedings against You c) For a dispute with any local authority, public authority or government department d) Where the cost of resolving the problem is £250 or below Jury Service What is covered We will pay a daily rate for the duration you are off work while attending jury service for each whole day of such attendance providing these costs are not recoverable from your employer or the court. We will pay 50% of the daily rate for each additional half day you are off work while attending jury service providing these costs are not recoverable from your employer or the court. Social Media Defamation What is covered Following defamatory comments made about you through a social media website, standard advisers’ costs to write one letter to the provider of the Social Media website requesting that the comments are removed. Where the authors’ identity of the defamatory comments is known, you are also covered for standard advisers’ costs to write one letter to the author requesting that the comments are removed from the social media website. What is not covered:- Claims where you are not aged 18 years or over. Service Occupancy What is covered Legal costs and expenses to pursue legal action against a domestic employee or ex domestic employee to recover possession of premises owned by you, or for which You are responsible provided that you have correctly issued and served all appropriate statutory and/or contractual notices to the domestic employee or ex domestic employee to obtain physical possession of the premises. What is not covered Claims to defend your legal rights other than to defend a counter-claim. Shotgun & Firearm Licence Protection What is insured You are covered for advisers’ costs in order to appeal against the suspension, revocation, curtailment, amendment, or refusal to renew the firearms or shotgun licence We will only pay advisers’ costs necessarily and reasonable incurred with our consent to enable you to make a legal challenge. What is not insured:- Claims a) Arising from an original application or standard renewal of a licence; b) Arising from a criminal prosecution c) Arising from commercial use Defined terms are highlighted in bold green. See page 40 for their meanings. 36

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Family legal expenses insurance section (continued) What is not covered General exclusions 1. There is no cover where:- a) Cover is available under the Personal liability section Employment practices liability section and /or Company legal liability sections of this insurance b) You should have known when buying this insurance that the circumstances leading to a claim under this insurance already existed c) An estimate of advisers’ costs of acting for you is more than the amount in dispute d) Advisers’ costs or any other costs and expenses incurred which have not been agreed in advance or are above those for which we have given our prior written approval e) Your insurers repudiate the insurance policy or refuse indemnity 2. There is no cover for:- a) Claims over loss or damage where that loss or damage is insured under any other insurance b) Claims made by or against your insurance adviser, the insurer, the adviser or us c) Any claim You make which is false or fraudulent or exaggerated d) Defending legal actions arising from anything you did deliberately or recklessly e) Costs if your claim is part of group claim orwill be affected by or will affect the outcome of other claims 3. There is no cover for any claim directly or indirectly arising from:- a) A dispute between you and someone you live with or have lived with b) Your business trade or profession other than as an employee c) An application for a judicial review d) Defending or pursuing new areas of law or test cases 4. Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a third party which exists or is available other than by virtue of this Act. Conditions 1. Claims a) You must notify claims as soon as possible once you become aware of the incident and within no more than 180 days of you becoming aware of the incident. There will be no cover under this policy if, as a result of a delay in reporting the claim, our position has been prejudiced. For claims relating to identity fraud, these must be reported within 45 days of you becoming aware of the incident. b) We may investigate the claim and take over and conduct the legal proceedings in your name. Subject to your consent which shall not be unreasonably withheld we may reach a settlement of the legal proceedings. i) You must supply at your own expense all of the information which we reasonably require to decide whether a claim may be accepted. Where it is necessary to start court proceedings or a conflict of interest arises, and you wish to nominate a legal representative to act for you, you may do so. Where you have elected to use a legal representative of your own choice you will be responsible for any advisers’ costs in excess of our standard advisers’ costs. The adviser must represent you in accordance with our standard conditions of appointment which are available on request. c) The adviser will:- i) Provide a detailed view of your prospects of success including the prospects of enforcing any judgment obtained. ii) Keep us fully advised of all developments and provide such information as we may require. iii) Keep us advised of advisers’ costs incurred. iv) Advise us of any offers to settle and payments in to court. If against our advice such offers or payments are not accepted cover under this insurance shall be withdrawn unless we agree in our absolute discretion to allow the case to proceed. v) Submit bills for assessment or certification by the appropriate body if requested by us. vi) Attempt recovery of costs from third parties. d) In the event of a dispute arising as to advisers’ costs we may require you to change adviser. Defined terms are highlighted in bold green. See page 40 for their meanings. 37

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Family legal expenses insurance section (continued) e) The insurer shall only be liable for advisers’ costs for work expressly authorised by us in writing and undertaken while there are prospects of success. f) You shall supply all information requested by the adviser and us. g) You are responsible for all legal costs and expenses including adverse costs if you withdraw from the legal proceedings without our prior consent. Any legal costs and expenses already paid under this insurance will be reimbursed by you. h) You must instruct the adviser to provide us with all information that we ask for and report to us as we direct at their own cost. 2. Prospects of Success At any time we may, but only when supported by independent legal advice, form the view that you do not have a 51% or greater chance of winning the case and achieving a positive outcome. If so, we may decline support or any further support. Examples of a positive outcome are: a) Being able to recover the amount of money at stake b) Being able to enforce a judgement c) Being able to achieve an outcome which best serves your interests 3. Proportionality We will only pay advisers’ costs that are proportionate to the amount of damages that you are claiming in the legal action. Advisers’ costs in excess of the amount of damages that you are able to claim from your opponent will not be covered. 4. Disputes If a complaint cannot be dealt with by the Financial Ombudsman Service (see ‘How to Make a Claim’), any dispute between you and us may, where we both agree, be referred to an arbitrator who will be either a solicitor or a barrister. If the parties cannot agree on their choice of arbitrator the Law Society may be asked to make a nomination. The arbitration will be binding and carried out under the Arbitration Act. The costs of the arbitration will be at the discretion of the arbitrator. 5. Disclosure If you fail to disclose relevant information or you disclose false information in relation to this policy, we, or the broker, may: a) Cancel the contract and keep the premiums if the disclosure breach is deliberate or reckless b) Cancel the contract but return the premiums proportionately if this contract would not have been entered into had the disclosure breach been known c) Amend the terms of the contract accordingly if the contract would have been entered into on different terms had the disclosure breach been known d) Proportionately reduce the amount you are entitled to in the event of a successful claim if a higher premium would have been charged had the disclosure breach been known. 6. Fraud In the event of fraud, we: a) Will not be liable to pay the fraudulent claim b) May recover any sums paid to you in respect of the fraudulent claim c) May cancel this policy with effect from the fraudulent act and keep all premiums paid to us d) Will no longer be liable to you in any regard after the fraudulent act. 7. Other Insurances If any claim covered under this policy is also covered by another legal expenses policy, or would have been covered if this policy did not exist, we will only pay our share of the claim even if the other insurer refuses the claim. 8. English Law and Language This contract is governed by English Law and the language for contractual terms and communication will be English. 9. Change in Law Cover under this policy is based on laws and regulations in force at the time that it was written. If we believe that any subsequent change in law or regulations results in the scope of cover being either restricted or broadened, we reserve the right to accept claims where the change restricts the cover under this policy and reject claims where the change provides a benefit which did not previously exist. Defined terms are highlighted in bold green. See page 40 for their meanings. 38

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Family legal expenses insurance section (continued) 39 Customer services information How to make a claim As soon as you have a legal problem that You may require assistance with under this insurance You should telephone the legal helpline. Specialist lawyers are at hand to help you. If you need a lawyer or accountant to act for you and your problem is covered under this insurance, the helpline will ask you to complete and submit a claim form. If your problem is not covered under this insurance, the helpline may be able to offer you assistance under a private funding arrangement. In general terms, you are required to immediately notify us of any potential claim or circumstances which may give rise to a claim. If you are in doubt whether a matter constitutes a notifiable claim or circumstance, contact the legal helpline. Compensation We are covered by the Financial Services Compensation Scheme (FSCS). If we fail to carry out our responsibilities under this policy, you may be entitled to compensation from the Financial Services Compensation Scheme. Information about the scheme is available at www.fscs.org.uk or by phone on 0800 678 1100 or 020 7741 4100. Authorisation Arc Legal Assistance Ltd is authorised and regulated by the Financial Conduct Authority. Arc Legal’s Firm Reference Number is 305958. This can be checked on the Financial Services Register by visiting the website www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768. This policy is underwritten by AmTrust Europe Limited, Registered Office: 10th Floor Market Square House, St James’s Street, Nottingham, NG1 6FG, Registered Number: 1229676. AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, financial services number: 202189. These details can be checked on the Financial Services Register at www.fca.org.uk. Defined terms are highlighted in bold green. See page 40 for their meanings.

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Meanings of defined terms 40 These meanings apply throughout your policy. If a word or phrase has a defined meaning, it will be highlighted in bold green print and will have the same meaning wherever it is used. Bail costs Costs agreed with us, to pay for a bond to guarantee an insured person’s bail or equivalent in another country as required by a court of law. Circumstance Any verbal or written complaint made against you or an insured person that could give rise to a claim, or any verbal or written complaint made by you or an insured person that could give rise to a claim. This does not include any routine employment disciplinary action or employee dismissal. Claim Any written demand or civil, criminal, arbitration or regulatory proceeding first made against you or an insured person during the period of insurance: 1) seeking monetary damages 2) seeking a penalty or other legal action and alleging a wrongful act 3) alleging an employment practice wrongful act. Any claims involving allegations from the same or essentially the same facts shall be treated as one claim. Crisis public relations consultants Specialist crisis public relations consultants as appointed or agreed in writing by rradar legal or us. Crisis public relations costs Costs incurred by the crisis public relations consultants following a claim and/or investigation to prevent, limit or reduce the actual or potential damage to your or any insured person’s reputation from negative publicity or media attention. Defence costs Costs agreed with us, in writing, to: 1) investigate or defend any claim 2) fund an appeal against a ruling or judgement (including payment of an appeal bond). Contents of this section Meanings which apply to the whole policy 40 Meanings which apply to the Personal liability section 44 Meanings which apply to the Employment practices liability section 45 Meanings which apply to the Company legal liability section 46 Meanings which apply to the Family legal expenses insurance section 47

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Meanings of defined terms (continued) 41 Employed person Anyone: 1) under a contract of service or apprenticeship with you or a worker as defined in Section 230 of the Employment Rights Act 1996 2) who is a) employed by you or for you on a labour only basis b) hired to you or borrowed by you from another employer c) a voluntary helper or someone taking part in a work experience or training scheme and under your control or supervision. Employment practice claim 1) Any claim by any employed person for any actual or alleged: a) wrongful, unfair or constructive dismissal, discharge or termination of employment b) breach of written or implied contract c) employment related misrepresentation, wrongful denial of a career opportunity, failure to grant employment or negligent employee evaluation d) harassment, unlawful discrimination or failure to provide adequate employee procedures and policies e) retaliatory treatment f) defamation or invasion of privacy 2) Any other claim happening only as a result of you employing any current, former or prospective employed person. Employment practice wrongful act 1) Any actual or alleged act, conduct, error or omission carried out or attempted by you, an insured person or a third party where you are held to be legally responsible for any actual or alleged: a) wrongful, unfair or constructive dismissal, termination of employment b) breach of written or implied contract c) employment related misrepresentation, wrongful denial of a career opportunity, failure to grant employment or negligent employee evaluation d) harassment, unlawful discrimination or failure to provide adequate employee procedures and policies e) retaliatory treatment f) defamation or invasion of privacy Employment practice wrongful act does not include any internal disciplinary grievance or appeal. 2) Any other claim happening only as a result of you employing any current, former or prospective employed person. Employment related benefits Any payment to an insured person as well as normal salary including: 1) payments made or due (including options to purchase, acquire or sell) under a share option 2) pension scheme or other employee benefit program incentive or deferred salary. Excess The first amount of any claim or claims as detailed in your policy schedule for which you are responsible. The excess applies to loss (as defined in each section of the policy), crisis public relation costs, defence costs and investigation costs, however, it will not apply to any claim successfully defended. The excess will only be charged at the end of each claim and/or investigation, except in respect of pursuit claims where excess shall be payable upon acceptance of cover. Extradition proceeding Any claim or proceeding brought against an insured person under United Kingdom. Insured person 1) Any person who was, is, or during the period of insurance becomes a director, trustee, partner, member or officer of yours. 2) Any natural person acting in the capacity as a director of yours (not including any administrator, liquidator, receiver or auditor). 3) Any shadow director as defined under United Kingdom law or similar legislation in any other country. 4) Any employed person of yours. 5) Any trustee of any pension or employee benefit scheme or trust fund operated or administered by you. 6) The lawful husband, wife, civil or unmarried partner of an insured person described in 1 to Defined terms are highlighted in bold green. See page 40 for their meanings.

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Meanings of defined terms (continued) 5 above, only because of their relationship, following a claim against the insured person. 7) The estates, heirs or legal representatives of any insured person above who has died or become incapacitated, insolvent or bankrupt but only in relation to a claim against the insured person. Investigation Other than investigations by HMRC, any official hearing, investigation, examination, official enquiry or enquiry into your or an insured person’s business carried out by any government department, regulator or third party with legal rights to do so. Insolvency hearing costs Costs incurred by rradar in any insured person's defence costs in any official investigation into your or any insured person's affairs following your insolvency or administration. Investigation costs Legal and other professional costs and expenses agreed with us in writing, incurred directly by you or an insured person in preparing for and attending any investigation. This does not include salary or any other additional costs of yours Limit of liability The amount shown in your policy schedule as the limit of liability. Lineage claims Disputes arising from the lineage, progeny; descending line of offspring or ascending line of parentage of any livestock or semen straws. Manslaughter claim Any court action brought for manslaughter, corporate manslaughter, corporate homicide or culpable homicide. Outside company Any company other than you: 1) that is a charity or association, or; 2) in which you hold any issued share capital but this does not include a) any company registered in the United States of America b) any listed company c) any financial services company. Period of insurance The period from the start date to the expiry date of your cover, shown in your policy schedule. Policy The policy and schedule and any endorsements attached or issued. Pollutant Any contaminant, irritant or other substance including, but not limited to: asbestos, lead, smoke, vapour, water, oil, oil products, dust, fibres, soot, fumes, acids, alkalis, chemicals, waste (including materials that have been or are intended to be recycled, reconditioned or reclaimed). Pollution Actual, alleged or threatened discharge, seepage, treatment, removal, disposal, dispersal, emission, release or escape of any pollutant or any regulatory order, direction or request to test for, monitor, remove, contain, treat, detoxify, or neutralise any pollutant. Pollution clean up costs Costs incurred by you or imposed by the Environment Agency to investigate and clean up any pollution incident. Regulatory mitigation costs Costs incurred by you in reporting and representing you following a report to any official regulator to reduce or avoid any potential fine or penalty. Retaliatory treatment Any actual or alleged action by you against an employed person as a result of the employed person using or trying to use their legal rights. This includes but is not limited to their rights under employment discrimination statutes. Safety legislation claim Any court action alleging a breach of statutory duty under health and safety, consumer protection or food safety legislation. Subsidiary Any company where you; 1) own more than 50% of the share capital 2) have a majority of the voting rights Defined terms are highlighted in bold green. See page 40 for their meanings. 42

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Meanings of defined terms (continued) 43 3) have the right to appoint or remove a majority of the company’s board of directors 4) control a majority of its voting rights under a written agreement with other shareholders or members. If a company ceases to be a subsidiary cover will continue but only for a claim caused by a wrongful act carried out before it stopped being a subsidiary. Tax defence costs Legal and other professional costs agreed by rradar in writing , incurred directly by you or any insured person in preparing for and attending any tax investigation. including into the personal tax affairs of your directors, partners or owners. Tax investigation 1) Attendance and preparation for a routine enquiry or compliance visit by HM Revenue and Customs prior to the notification of an investigation or raising of an assessment that is disputed where it has been agreed in advance that such representation is appropriate and is subject to a limit of £1,500 per enquiry 2) Aspect enquiry by HM Revenue and Customs 3) Full enquiry by HM Revenue and Customs 4) A challenge following a compliance review by HM Revenue and customs regarding Income Tax, PAYE regulations, National Minimum Wage and National Insurance Contributions 5) An appeal to VAT or Duties Tribunal up to and including First-tier Tribunal or Upper Tribunal 6) Enquiries undertaken by the Special Civil Investigations Office under Code of Practice 8 or Code of Practice 9, an enquiry held under section 60 or 61 of the VAT Act 1994 or any matters handled by the National Investigations Service of HMRC Tax investigation will not include: 1) Any costs incurred in the normal or routine completion of tax or vat returns 2) Any tax avoidance scheme, falling outside the scope of Code of Practice 8 3) Any tax investigation where returns have been submitted more than 30 days after the statutory filing deadline 4) Any tax investigation where you or any insured person have failed to maintain proper accounting records 5) Any tax investigation into the personal tax affairs of any insured person, other than a director or partner, unless this is a result of an enquiry and/or investigation into your business. 6) Any tax investigation where in their ‘absolute discretion’ or ‘reasonable opinion’ rradar assess HMRC’s findings to be reasonable and there is no realistic prospect of a defence or little prospect of success in continuing with the defence. Virus or similar mechanism Program code, programming instruction or any other set of instructions intentionally constructed with the ability to damage, interfere or otherwise adversely affect computer programs, data files or operations whether involving self replication or not, including but not limited to trojan horses, worms or logic bombs. We/us/our AXA Insurance UK plc. You/your/yourself The individual, firm, company or organisation shown in the policy schedule as the insured. Defined terms are highlighted in bold green. See page 40 for their meanings.

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Meanings of defined terms (continued) Meanings which apply to the Personal liability section These meanings apply within the Personal liability section of your policy. If a word or phrase has a defined meaning it will be highlighted in bold green print and will have the same meaning wherever it is used in the Personal liability section. Deprivation of assets expenses Costs and expenses of any insured person paid directly to the provider of the services listed below as a direct result of any interim or interlocutory order confiscating or suspending the rights of ownership over personal assets or real property of any insured person during the period of insurance. 1. schooling; 2. housing; 3. utilities; or 4. personal insurances Such costs and expenses shall only be paid where a personal allowance has been directed by a Court to meet such payments and that personal allowance has been exhausted. Loss Costs and expenses of any claimant which an insured person becomes legally liable to pay and incurred with our prior written agreement, to investigate or defend a claim against any insured person and this will include 1) defence costs and investigation costs 2) awards of damages (including punitive and exemplary damages where legally allowed) 3) pre and post judgement interest on a judgement or award covered by this section 4) settlements but this will not include any criminal fines or penalties, taxes (other than those covered under the Tax cover), salary or employment related benefits. Civil fines are covered only where they are insurable under United Kingdom law. Policy territories Worldwide. Wrongful act Any actual or alleged act, error or omission carried out, proposed or attempted by an insured person during the performance of their duties but only in their role as your director, officer or employed person including: 1) breach of any duty, including fiduciary or statutory duty 2) breach of trust 3) negligence, negligent misstatement, misleading statement or negligent misrepresentation 4) defamation 5) wrongful trading as defined under United Kingdom law 6) breach of warranty or authority 7) any other act, error or omission attempted or allegedly carried out or attempted by an insured person only because of their position as a director, officer or employed person of yours. You/your In addition to the policy definition this will include: 1) a subsidiary, and any subsidiary created or acquired during the period of insurance provided that the newly created or acquired subsidiary: a) is not registered in the United States of America; or b) does not trade any of its securities on any United States of America exchange; But only for a claim against an insured person caused by a wrongful act carried out after the date of creation or acquisition 2) any pension or employee benefit scheme or trust fund of yours. Defined terms are highlighted in bold green. See page 40 for their meanings. 44

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Meanings of defined terms (continued) 45 Meanings which apply to the Employment practices liability section These meanings apply within the Employment practices liability section of your policy. If a word or phrase has a defined meaning it will be highlighted in bold green print and will have the same meaning wherever it is used in the Employment practices liability section. Loss Costs and expenses of any claimant and monetary regulatory penalties which you or an insured person becomes legally liable to pay and incurred with our prior written consent, to investigate or defend a claim against you or any insured person and this will include: 1) defence costs and investigation costs 2) awards of damages (including punitive and exemplary damages where legally allowed) 3) pre and post judgement interest on a judgement or award covered by this section 4) settlements but this will not include any criminal fines or penalties, salary or employment related benefits. Civil fines are covered only where they are insurable under United Kingdom law. Policy territories Great Britain, Northern Ireland, the Channel Islands and the Isle of Man. You/your In addition to the policy definition this will include: 1) a subsidiary, and any subsidiary created or acquired during the period of insurance provided that the newly created or acquired subsidiary is not registered outside of the United Kingdom; But only for a claim against you or an insured person caused by a wrongful act carried out after the date of creation or acquisition 2) any pension or employee benefit scheme or trust fund of yours. Defined terms are highlighted in bold green. See page 40 for their meanings.

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Meanings of defined terms (continued) Meanings which apply to the Company legal liability section These meanings apply within the Company legal liability section of your policy. If a word or phrase has a defined meaning it will be highlighted in bold green print and will have the same meaning wherever it is used in the Company legal liability section. Cyber liability claim Any claim made against you by a third party for damage caused by your electronic systems. Identity fraud Any agreement entered into by anyone other than you, pretending to be you, for the purpose of committing a criminal or malicious act. Infringement of copyright Infringement of copyright, patent, trademark or any other intellectual property rights. Loss Costs and expenses of any claimant and monetary regulatory penalties which you become legally liable to pay and incurred with our prior written agreement to investigate, defend or settle a claim against you and this will include: 1) defence costs and investigation costs 2) awards of damages (including punitive and exemplary damages where legally allowed) 3) pre and post judgement interest on a judgement or award covered by this section 4) settlements but this will not include any criminal fines or penalties, salary or employment related benefits. Civil fines are covered only where they are insurable under United Kingdom law. Products Products that you supply, provide or deliver including containers, packaging, labelling, instructions, advice and services in connection with your product. Policy territories Great Britain, Northern Ireland, the Channel Islands and Isle of Man. Telephone fraud The dishonest access and use of your telephone systems by any third party. Third party fraud or forgery 1) The signing creation or alteration of any cheque, draft, promissory note or other written or electronic instrument with the intention to decieve. 2) Telephonic or written instructions acted on by you when the instructions are purported to have come from an insured person, client, customer, supplier or financial institution but have in fact come from a fraudster. Wrongful act Any actual or alleged act, error or omission carried out or attempted by you including but not limited to: 1) breach of any duty, including fiduciary or statutory duty 2) breach of trust 3) negligence, negligent misstatement, misleading statement or negligent misrepresentation 4) breach of warranty or authority. You/your In addition to the policy definition this will include: 1) a subsidiary, and any subsidiary created or acquired during the period of insurance as long as the newly created or acquired subsidiary is not registered outside of the United Kingdom; But only for a claim against you caused by a wrongful act carried out after the date of creation or acquisition. 2) Any pension or employee benefit scheme or trust fund of yours. Defined terms are highlighted in bold green. See page 40 for their meanings. 46

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Meanings of defined terms (continued) 47 Meanings which apply to the Family legal expenses insurance section These meanings apply within the Family legal expenses insurance section of your policy. If a word or phrase has a defined meaning it will be highlighted in bold green print and will have the same meaning wherever it is used in the Family legal expenses insurance section. Adviser Our specialist panel solicitors or accountants or their agents appointed by us to act for you, or, and subject to our agreement, where it is necessary to start court proceedings or a conflict of Interest arises, another legal representative nominated by you. Advisers’ costs Legal or accountancy fees and disbursements incurred by the adviser. Adverse costs Third party legal costs awarded against you which shall be paid on the standard basis of assessment provided that these costs arise after written acceptance of a claim. Conditional fee agreement An agreement between you and the adviser or between us and the adviser which sets out the terms under which the adviser will charge you or us for their own fees. Conflict of interest Situations where we administer and/or arrange legal expenses insurance on behalf of any other party in the dispute which is the subject of aclaim under this insurance. Contract of employment A contract of service, whether express or implied, and (if it is express) whether oral or in writing. Costs Standard advisers’ costs and adverse costs. Daily rate An amount equal to 1/250th of either of the following: a) If you are employed, the average of the amounts shown on your payslips from your employer during the last 12 months (excluding bonus payments and overtime); or b) If you are self-employed, the monthly average of the income you declared to HM Revenue & Customs for the previous tax year Data controller The party which determines the purpose for, and the manner in, which personal data are, or are to be, processed. Data protection legislation The relevant data protection legislation in force within the territorial limits where this cover applies at the time of the insured event. Disclosure breach Disclosing false information or failing to disclose relevant information in the process of entering into this insurance contract. Domestic employee An individual who is employed to carry out domestic duties in your household. Employee An individual who has entered into or works under (or, where the employment has ceased, worked under) a contract of employment. Firearms or shotgun licence A licence procured by you in accordance with the necessary firearm or shotgun legal requirements. HM Revenue and Customs full enquiry An extensive examination by HM Revenue & Customs under Section 9A of the Taxes Management Act 1970 into all aspects of your PAYE income or gains. Identity fraud A person or group of persons knowingly using a means of identification belonging to you without your knowledge or permission with intent to commit or assist another to commit an illegal act. Insured event The incident or the start of a transaction or series of incidents which may lead to a claim or claims being made under the terms of this insurance. Defined terms are highlighted in bold green. See page 40 for their meanings.

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Meanings of defined terms (continued) Identity fraud In a claim arising from identity fraud the insured event is a single act or the start of a series ofsingle acts against you by one person or group of people. Tax In accountancy matters the insured event arises on the date that you or your adviser are contacted either verbally or in writing, by the relevant department of HM Revenue & Customs advising you of either dissatisfaction with your returns, or amounts paid, or notice of intention to investigate. Jury service In a claim arising from jury service the insured event arises at the end of the period of jury service, at which point you can submit a claim. For the purposes of the maximum amount payable, only one insured event will be regarded as having arisen from all causes or by actions, incidents or events which are related by cause or time. Insurer AmTrust Europe Limited. Legal action(s) a) The pursuit or defence of civil legal cases for damages and/or injunctions, specific performance or; b) The defence of criminal prosecutions to do with your employment, c) The defence of motor prosecutions Legal helpline The service provided by our panel solicitors on our behalf which enables you to obtain advice on any matter which may give rise to a claim under this insurance. Maximum amount payable The maximum payable in respect of an insured event is £100,000. Period of insurance The period of insurance declared to and accepted by us, which runs concurrently with the period of the underlying insurance policy to which this legal expenses insurance attaches. For the avoidance of doubt, if the underlying insurance policy is cancelled, suspended or withdrawn, this legal expenses insurance will also be cancelled, suspended or withdrawn. Standard advisers’ costs The level of advisers’ costs that would normally be incurred in using a specialist panel solicitor or their agents. Territorial limits The United Kingdom, the Channel Islands and the Isle of Man. We/us/our Arc Legal Assistance Limited. You/your/yourself The insured person(s) named in the schedule and your family members’ permanently resident with you. If you die your personal representatives will be covered to pursue or defend cases covered by this insurance on your behalf that arose prior to or out of your death. If the insured person(s) is a firm, company or organisation, cover applies to its directors, partners and owners and their family members’ permanently resident with them. If they die their personal representatives will be covered to pursue or defend cases covered by this insurance on their behalf that arose prior to or out of their death. Defined terms are highlighted in bold green. See page 40 for their meanings. 48

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Making a complaint HB Underwriting aims to provide the highest standard of service to every customer. If our service does not meet your expectations we want to hear about it so we can try to put things right. All complaints we receive are taken seriously. Following the steps below will help us understand your concerns and give you a fair response. How to make your complaint The majority of complaints can be resolved quickly and satisfactorily by the department you are dealing with. If your complaint relates to a claim on your policy, please contact the department dealing with your claim. If your complaint relates to anything else, please contact HB Underwriting or the agent where your policy was purchased. Telephone contact is often the most effective way to resolve complaints quickly. Alternatively you can write to us at HB Underwriting The Vines 29 Market Place Malton North Yorkshire YO17 7LP Tel: 01653 609090 Email: enquiries@hbunderwriting.co.uk When you make contact please tell us the following information: • Name address and postcode, telephone number and e-mail address (if you have one). • Your policy and/or claim number, and the type of policy you hold. • The name of your insurance agent/ firm (if applicable). • The reason for your complaint. Any written correspondence should be headed ‘COMPLAINT’ and you may include copies of supporting material. Beyond HB Underwriting Should you remain dissatisfied following our final written response, you may be eligible to refer your case to the Financial Ombudsman Service (FOS). The FOS is an independent body that arbitrates on complaints about general insurance products. The FOS can only consider your complaint if we have given you our final decision. You have six months from the date of our final response to refer your complaint to the FOS. This does not affect your right to take legal action. Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Tel: 0800 023 4567* Tel: 0300 123 9123** Fax: 0207 964 1001 Email: complaint.info@financial-ombudsman.org.uk Web: www.financial-ombudsman.org.uk * free for people phoning from a ‘fixed line’ (for example, a landline at home) ** free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02 Defined terms are highlighted in bold green. See page 40 for their meanings. 49

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Making a complaint (continued) Our promise to you We will • Acknowledge written complaints promptly. • Investigate your complaint quickly and thoroughly. • Keep you informed of progress of your complaint. • Do everything possible to resolve your complaint. • Learn from our mistakes. • Use the information from complaints to continuously improve our service. Telephone calls may be monitored and recorded. Financial Services Compensation Scheme (FSCS) AXA Insurance UK plc are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk). Complaints relating to your Family legal expenses cover In the following paragraphs, the use of we/us/our refers to Arc Legal Assistance Limited, who manage and provide the Legal Expenses part of this policy, on behalf of the insurer, AmTrust Europe Limited. Customer Service Our aim is to get it right, first time, every time. If we make a mistake, we will try to put it right straightaway. If you are unhappy with the service that has been provided, you should contact us at the address below. We will always confirm to you, within five working days, that we have received your complaint. Within four weeks you will receive either a final response or an explanation of why the complaint has not been resolved plus an indication of when you will receive a final response. Within eight weeks you will receive a final response or, if this is not possible, a reason for the delay plus an indication of when you will receive a final response. After eight weeks, if you are unhappy with the delay, you may refer your complaint to the Financial Ombudsman Service. You can also refer to the Financial Ombudsman Service if you cannot settle your complaint with us or before we have investigated the complaint if both parties agree. Our contact details are:- Arc Legal Assistance Ltd PO Box 8921 Colchester CO4 5YD Tel: 01206 615000 Email: customerservice@arclegal.co.uk The Financial Ombudsman Service contact details are:- Financial Ombudsman Service Exchange Tower London E14 9SR Tel: 08000 234 567 Email: complaint.info@financial-ombudsman.org. Defined terms are highlighted in bold green. See page 40 for their meanings. 50

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Data protection HB Underwriting This notice explains how HB Underwriting may use the information you have provided. Sharing information and making checks To make sure you get our best deal and to ascertain the most appropriate payment options for you and to protect you from fraud, we use public and personal data from a variety of sources, including credit reference agencies and other organisations. Our search will appear on your credit report and will be visible to other credit providers whether or not your application proceeds. If you do not proceed it will be clear the search was for quotation purposes. By agreeing to the terms and conditions you agree to these uses of your information. We may also pass information about you to credit reference agencies and premium finance providers in connection with the assessment of your financial standing generally and, in particular, where you have requested a premium instalment plan - this may include details of your payment record with us. HB Underwriting Agency Ltd takes your privacy very seriously. For details of how we use the personal information we collect from you and your rights please view our privacy policy at www.hbunderwriting.co.uk/privacy-policy/. If you do not have access to the internet please contact us and we will send you a printed copy. Marketing consent We may from time to time process your personal data to let you know about similar products and services that may be of interest to you. This is because we value your custom and we pride ourselves in offering professional and tailored advice which meets your specific insurance needs. This includes keeping you informed on the latest insurance and industry information and details of any offers or promotions relating to the insurance services we provide to you. Our lawful basis for processing your personal data in this way is as is necessary to pursue the legitimate interests of our business, unless we have otherwise obtained your consent to do so. We may contact you by post, telephone or e-mail. You will be given the option to stop receiving any communications from us in this regard at any time however please note that this will not affect us contacting you about the servicing of products that you have specifically requested from us. HB Underwriting Agency Ltd The Vines 29 Market Place Malton North Yorkshire YO17 7LP 51

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Data Protection 52 AXA Insurance This notice explains how AXA may use the information you have provided. Data protection AXA Insurance UK plc is part of the AXA Group of companies which takes your privacy very seriously. For details of how we use the personal information we collect from you and your rights please view our privacy policy at www.axa.co.uk/privacy- policy. If you do not have access to the internet, please contact us and we will send you a printed copy. Sharing information and making checks We also share your information and any subsequent claim information with other insurers, via the Claims and Underwriting Exchange Register run by Insurance Database Services (IDS) Ltd to check information and prevent fraudulent claims. When we process your request for insurance cover, we may search these registers. We may also make credit reference checks.

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Data Protection Arc Legal Assistance This notice explains how Arc Legal Assistance may use the information you have provided. Data Protection Arc Legal Assistance and AmTrust Europe Limited are committed to protecting and respecting Your privacy in accordance with the current Data Protection Legislation (“Legislation”). Below is a summary of the main ways in which we process your personal data, for more information please visit www.arclegal.co.uk and www.amtrusteurope.com. How We Use Your Personal Data and Who We Share it With We may use the personal data we hold about you for the purposes of providing insurance, handling claims and any other related purposes (this may include underwriting decisions made via automated means), research or statistical purposes and to provide you with information, products or services that you request from us or which we feel may interest you. We will also use your data to safeguard against fraud and money laundering and to meet our general legal or regulatory obligations. Sensitive Personal Data Some of the personal information, such as information relating to health or criminal convictions, may be required by us for the specific purposes of underwriting or as part of the claims handling process. The provision of such data is conditional for us to be able to provide insurance or manage a claim. Such data will only be used for the specific purposes set out in our Privacy Statement. Disclosure of Your Personal Data We may disclose your personal data to third parties involved in providing products or services to us, or to service providers who perform services on our behalf. These include our group companies, affinity partners, brokers, agents, third party administrators, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, medical service providers, fraud detection agencies, loss adjusters, external law firms, external auditors and accountants, regulatory authorities, and as may be required by law. International Transfers of Data We may transfer your personal data to destinations outside the European Economic Area (“EEA”). Where we transfer your personal data outside of the EEA, we will ensure that it is treated securely and in accordance with the Legislation. Your Rights You have the right to ask us not to process your data for marketing purposes, to see a copy of the personal information we hold about you, to have your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to ask us to provide a copy of your data to any controller and to lodge a complaint with the local data protection authority. Retention Your data will not be retained for longer than is necessary, and will be managed in accordance with our data retention policy. In most cases the retention period will be for a period of ten (10) years following the expiry of the insurance contract, or our business relationship with you, unless we are required to retain the data for a longer period due to business, legal or regulatory requirements. If you have any questions concerning our use of your personal data, please contact The Data Protection Officer, please see websites for full address details. 53

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21-100_A4_V2Rural Protect and Rural Protect Elements are trading names of H B Underwriting Agency Ltd registered in England and Wales, Number 09278745.Registered Oce: The Vines, 29 Market Place, Malton, North Yorkshire, YO17 7LP England. Tel: 01653 609090. HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 914354. AXA Insurance UK plc, registered in England and Wales No 78950. Registered Oce: 20 Gracechurch Street, London EC3V 0BG. A member of the AXA Group of Companies. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arc Legal Assistance Limited, The Gatehouse, Lodge Park, Lodge Lane, Colchester, CO4 5NE. Registered in England and Wales with Company Number: 4672894. Arc Legal Assistance Limited is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 305958.01653 609090enquires@hbunderwriting.co.ukThe Vines, 29 Market Place, Malton, YO17 7LPwww.ruralprotect.co.uk