China Merchants Insurance Co., Ltd. ("CMI"), a wholly owned subsidiaryof the Cnino Merc;nants Group, was formed in Hong Kong in 1988. Relyingon the long established reputation and financial strength of the Group. CM1is engaged in providing a wide range of quality general insurance services,such as properly insurance, liability insurance, cargo transportationinsurance, accident insurance, etc. to both commercial and personaldents in Hong Kong_ With years of endeavour and service excellence. CMIhas successfully obtained the 1SO certificate in 1999. Civil's businessphilosophy is to provide general insurance service of the highest possiblequality to its (r.,:enis to achieve lotal satisfaction.

China Merchants Group ("The Group"), being one of the "Top FourChinese Enterprises" in Hong Kong and a forerunner in the development ofthe notional industry and commerce in China, was established in 1872.In its corporate history of over 140 years, the Group has built the firstChinese merchant feet, established the first Chinese insurance company,participated in the setting up of the first Chinese bank and has playedimportant roles in many other industries in the modern history of China.Today, the Group has emerged as a solid and strong conglomeratewith businesses spanning China Hong Kong, South East Asia and manyother regions with economic ,r-..\.,otential The Group's main businesses coverthree core sectors of Transport (ports, roads, energy shipping, logistics.ship-repairing, marine engineering), Finance (banks. securitiE.-,s, funds.insurances), as well as Property (zone development, real estate). In recentyears. the excellent business performance of the Group and many of itspublic listed subsidiaries, such as China Merchants Holding (International).China Merchants Bank, China Merchants Securities. China MerchantsDirect Investment, China Merchants Property Development, etc. hasattracted social admiration By the end of 2014, the Group reports a grossasset value of RMB624 1 billion and RMB5,350 billion as assets under itsmanagement.

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CHINA MERCHANTS INSURANCE COMPANY LIMITEDSuites 2303-04, 23/F., South Island Place

105 A5 8 Wong Chuk Hang Road, Hong KongTel : (852) 2890 5940

CHINA MERCHANTS GROUP Fax: (852) 2576 2292Website: www.cm-insurance.com

Wisdom00 OgRE

Levy collected by the Insurance Authority will be imposed onthis policy at the applicable rate. For further information,please visit our website www.cm-insurance.com or contactus at (852) 2890 5940. 11 MIP31414111g*re,i* IMA lit 112 ill It IA T.1 VI * EJ* Awww.cm-insurance.comaRit(852) 2890 59401AIRMAP

Foreign Omsk Helper Package Insurance

CHINA MERCHANTS INSURANCE COMPANY LIMITEDA Member of China Merchants Group mgmx

Since 1872 DMH -1215

, Foreign Domestic Helper Package Insurance11,0! AWAVV-AlglifI

The Wisdom Series' Foreign Domestic Helper Package Insurance is a comprehensive insurance package providing extensive protection for you as anemployer and your domestic helper with different benefits that suit your specific needs.

Basic Cover. Employer's Liability

Indemnify you against your legal liability as an employer under the Employees' Compensation Ordinance and at Common Law

Maximum Limits (HK$) rPlan . Az.; - Plan 2 .

$100000,000 any one event,

. Hospitalisation and Surgical ExpensesReimburse the medical expenses necessarily and reasonably incurred in the event your Domestic Helper is confined to a 1-lospital forsurgery or treatment of sickness or Injury resulting from an accidenta. Room, board and other miscellaneous hospital chargesb. Surgical operation expenses

S35,000/year

$300/day$1 5,000/operation

$25,000/year

$300/day$12,000/operation

. Clinical ExpensesReimburse the medical expenses necessarily and reasonably incurred for consultation and treatment of sickness or Injury of yourDomestic Helper from a clinica. Out- patient expensesb. Bonesetters' Fees and/or physiotherapist treatment expenses (referred by Qualified Medical Practitioner)

$4,000/year

$200/visit/day$100/visit/day; $500/year

$3,000/year

$1 50/visit/day$1 00/visit/day; $500/year

. Dental ExpensesReimburse two-thirds of the emergency dental treatment expenses necessarily and reasonably incurred for oral surgery, treatment ofabscesses, extractions or fillings of your Domestic Helper by a legally qualified and registered dentist as a result of dental disease

$2,000/year $1 ,500/year

. Personal AccidentCompensate for death or permanent disablement of your Domestic Helper during rest days, resulting directly and solely from an Accidentoccurring within Hong Kong

$150,000/year $100,000/year

. Repatriation ExpensesIndemnify you for your contractual liability to repatriate your Domestic Helper to her home country before the expiry of her employment contract.a. the actual cost of returning the remains in case of deathb. the economy class airfare from Hong Kong to the home country

$25000/year, 15 000/,

. Loss of Services Cash Subsidy$6,000/yearSubsidise you the expenses in hiring a temporary domestic helper commencing from the fourth day for loss of services if your DomesticHelper is hospitalised as an in - patient for treatment or surgery for a period of three (3) consecutive days or more $200/day

S6,000/year

$200/day

. Re-hiring ExpensesReimburse the re-hiring expenses necessarily and reasonably incurred in hiring a replacement comestic helper in the event that theDomestic Helper is repatriated

$10,000/year $5,000/year

9. Fidelity ProtectionIndemnify you in respect of any actual pecuniary loss directly resulting from the act of fraud or dishonesy committed by your Domestic Helper $10,000/year $5,000/year

10. Personal LiabilityIndemnify you against your legal liability to third party resulting from the negligent acts or omissions of your Domestic Helper in performingher contractual duties

$200,000/year Not Applicable

11. Replacement of LockReimburse the actual expenses necessarily and reasonably incurred for replacement of docr lock following termination of theemployment contract due to fraud or dishonesty of your Domestic Helper

S500/year Not Applicable

12. Medical Expenses due to Abuse of Family MemberReimburse the medical expenses necessarily and reasonably incurred for consultation and treatment of Injury of your Family Membercaused by the intentional malicious act of your Domestic Helper in Hong Kong

$5,000/year Not Applicable

Optional Cover:.,;:•:•::.--.:=,•,•,:.::-:::..:i.,,„,.:,;,,,,-,..i..::::::::•::.•":-.:.;:.:::,,,,.:....,,,,,,,,,,.:...-::,-,..--• , ..,-...„ , :,,,,,.;:;:;;•:::::::, -,-.-: • ....„,,,:,,- ...,„: - - .,-,..,:„.

13. Cancer and Heart Disease Supplementary Benefita. Hospital Top -Up Benefit

Section 2 for surgery or treatment of

consultation, diagnosis, examination,or imaging centre.

Maximum LimitsPlan 1 ,:.,.

$65,000/year

$65,000/year

$5,000/year

$100,000/year

(HK$)Plan 2.

S25,000/year

$25,000/year

$2,500/year

S50,000/year

Reimburse the medical expenses necessarily incurred in excess of the amount payable undercancer and/or heart disease of your Domestic Helper

b. Special Medical Test and Treatment ExpensesReimburse the medical expenses necessarily incurred in Hong Kong by your Domestic Helper to'or treatment of cancer and/or heart disease received in a Hospital (not hospitalized), medical laboratory

Aggregate Limit for Section 2 and Section 13

Important Notes 11 This insurance is available only for foreign domestic helpers who are employed under an Employment Contract as governed by the mmigration Ordinance (Chapter 1151, of the laws of the HKSAF1.21 The above plans are not applicable for doula (pui wet) or domestic helper that needs to perform gardening or driving duties or have annual income exceeding HK$100,000. If you need to insure these helpers, please refer to the company for deta's31 This brochure provides a brief introduction only. Please refer to the insurance policy for detailed terms and conditions, a specimen of which is available on request.

Foreign Domestic Helper Package InsuranceA9Mftlinafglili

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Employees' Compensation Insurance Plan OF011faigtlfttEl

Apart from the above package insurance cover, we also provide basic Employees Compensation insurance plan that is needed to meet your legal responsibilities as an employer. This plan is particularly suitablefor those who employ part-time domestic helper. The annual premium just costs HK$300.WbitOltalitAttil91, Itir13)4AAVIDR.Zilki&YFRAVRItgailtirl • L'AgliCRIM*110Tal-tICEE iltititEMMIEIMIRTIPIKittlIMRIALTS± ViTIgNRMA 3005E 0

Foreign Domestic Helper Package InsuranceN9MiliftrATOR

Main E)caePtiansGeneral Exceptions

(except Employer's Liability), pie- existing conditions, sexually transmitted diseases, AIDS, suicide (except Repatriationmental or nervous disorder, alcoholism or drug addiction.

War, act of terrorism, accident or sickness sustained Or contracted outside Hong KongExpenses and Re -hiring Expenses), intentional self -injury, pregnancy, miscarriage, childbirth,Special Exceptions Applicable To Individual Sections

Section 1 — Employer's Liability Pneumoconiosis, nuclear hazards or any late payment surcharge that the employers may become liable under orindependently of the Employees' Compensation Ordinance.

Section 2 — Hospitalisation and Surgical ExpensesSection 3 — Clinical ExpensesSection 7 - Loss of Service Cash SubsidySection 13 - Cancer and Heart Disease Supplementary Benefit

Cosmetic surgery (unless due to injury covered under this plan), routine physical examination, or any expensesincurred outside Hong Kong.

Section 4 — Dental Expenses Routine examination, scaling, cleaning, polishing, crowning, bridges, braces, dentures, dental prosthetics, or anyexpenses incurred outside Hong Kong.

Section 5 — Personal AccidentAir travel (except as passenger in a licensed passenger carrying aircraft), mountaineering, rock climbing, underwateractivifies necessitating the use of breathing apparatus, motor cycling, racing (other than on foot or swimming),dangerous sports or activities.

Section 10 - Personal Liability Any willful or malicious act, criminal activities, food poisoning, any occurrence happened at the place of employmentor outside Hong Kong.

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Age Limit 18 to 60 years old (renewable up to 65 years old).*M1311$11 18 60R(T0144g65M.) °

Waiting Period No benefits shall be payable under Sections 2, 3, 4, 7 and 13 during a 10 day waiting period from the inception date of insurance.:*-liff,l3LiglEIMEA-10411RIVP9'*Q.M.C.-_•E•Blstai-EMIgagf4g15&°

Premium* WM*Plan 1 • 1-1-11111 Plan 2 ttlE 2 Employees' Compensation Insurance Plan

INANAlgRzi-tMBasic Cover471K1gRW

Basic + Optional Covera*+13filiuRN

Basic CoverI*.fgr4

Basic + Optional Cover**+Pfigilg

1 -Year • 1 HK$730 HK$1,05o HK$650 HK$950 HK$3002 -Year • 2 *1111 HK$1,310 HK$1,880 HK$1,170 HK$1,680 Not Applicable

*Premium is inclusive of levies.*IgnEtItOR11.It4P,