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TATTOO & PIERCING INSURANCE POLICYGENERAL EXCLUSIONSThe following are applicable to all Sections of the PolicyThe INSURERS will not be liable fora)Any contingency occasioned by or happening through war, invasion, act of foreign enemy, hostilities (whetherwar be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power or martial lawor confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of anyGovernment or any Public or Local Authority.b)DAMAGE occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonicspeeds.DAMAGE of or to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or anyconsequential loss of whatsoever nature directly or indirectly caused by or contributed to or by or arising from:i)the radioactive, toxic, explosive or other hazardous properties of any nuclear installation, reactor or othernuclear assembly or nuclear component thereof,ii)ionising radiation from or contamination by radioactivity from any nuclear fuel or from nuclear waste or fromthe combustion of any radioactive material,iii)any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive forceor matter.c)d)liability death injury loss damage or destruction or any cost or expense of whatsoever nature or wheresoever arising(including consequential loss and damage) directly or indirectly caused by resulting from or in connection withi)any act of TERRORISM regardless of any other cause or event contributing concurrently or in any othersequence to the lossii)any action taken in controlling preventing suppressing or in any way relating to any act of TERRORISMexcept to the extent that it is necessary to comply with the minimum requirements of the law in the United Kingdom ofGreat Britain and Northern Ireland including the Channel Islands and the Isle of Man relating to compulsory insurance ofliability to EMPLOYEES.For the purpose of this Exclusion an act of TERRORISM means an act including but not limited to the use of force orviolence and/or the threat (or perceived threat) thereof of any person or group of persons whether acting alone or onbehalf of or in connection with any organisation or government (de jure or de facto) committed for political religiousideological or similar purposes including the intention to influence any government (de jure or de facto) and/or to putthe public or any section of the public in fear.In any action suit or other proceedings where the INSURERS allege that by reason of this Exclusion any liability deathinjury loss damage destruction cost or expense is not covered by this POLICY (or is covered only up to a specified Limitof Liability) the burden of proving that such liability death injury loss damage destruction cost or expense is covered (oris covered beyond the Limit of Liability) shall be upon the INSURED.In the event any portion of this Exclusion is found to be invalid or unenforceable the remainder shall remain in full forceand effect.e)any loss, damage, liability, cost, claim or expense, whether preventative, remedial or otherwise, directly or indirectlyarising out of or relating to:i)The calculation, comparison, differentiation, sequencing or processing of data, involving the date change tothe year 2000, or any other date change, including leap year 2000, or any other date change, including leapyear calculations, by any computer system hardware, programme or software and/ or any microchip, integratecircuit or similar device in computer equipment or non-computer equipment, whether the property of theINSURED or not: orii)Any change, alteration, or modification involving the date change to the year 2000, or any other date change,including leap year calculations, to any such computer system hardware, programme or software and/ or anymicrochip, integrate circuit or similar device in computer equipment or non-computer equipment, whether theproperty of the INSURED or not.This clause applies regardless of any other clause or event that contributes concurrently or in any sequence to the loss,damage, cost, claim or expense.TAT/PW/1/0716Page 7 of 46

TATTOO & PIERCING INSURANCE POLICYGENERAL EXCLUSIONSf)Loss or Damage costs or expenses of whatsoever nature directly or indirectly caused by resulting from or in connectionwith the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials regardless ofany other cause or event contributing concurrently or in any other sequence thereto.Electronic Date Endorsement “B”(A)Electronic Date ExclusionNotwithstanding any provision to the contrary within the POLICY or any endorsement thereto, it is understoodand agreed as follows:(i)This POLICY does not insure loss, damage, liability destruction, distortion, erasure, corruption oralteration of ELECTRONIC DATA from any cause whatsoever (including but no limited to COMPUTERVIRUS) or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom, regardless of any or event contributing concurrently or in any other sequence to the loss.g)Electronic DataMeans facts, concepts and information converted to a form useable for communications, interpretation or processing byelectronic and electromechanical data processing or electronically controlled equipment and includes programmes,software and other coded instructions for the processing and manipulation of data or the direction and manipulation ofsuch equipment.Computer VirusMeans a set of corrupting, harmful or otherwise unauthorized instructions or code including a set of maliciouslyintroduced unauthorised instructions or code, programmatic or otherwise, that propagate themselves through acomputer system or network of whatsoever nature. Computer Virus includes but is not limited to “Trojan Horses”,“worms” and “time or logic bombs”.(ii)However, in the event that a peril listed below results from any of the matters described in paragraph1) above, the POLICY, subject to all its terms, conditions and exclusions, will cover physical damageoccurring during the POLICY period to property insured by this POLICY directly caused by such listedPeril.Listed Perils:FireExplosion(B)ELECTRONIC DATA Processing Media ValuationNotwithstanding any provision to the contrary within the POLICY or any endorsement thereto, it is understoodand agreed as follows:Should ELECTRONIC DATA processing media INSURED by this POLICY suffer DAMAGE INSURED by thisPOLICY then the basis of valuation shall be the cost of the blank media plus the costs of copying theELECTRONIC DATA from the back-up or from originals of a previous generation. These costs will notinclude research and engineering nor any costs of retreating, gathering or assembling such ELECTRONIC DATA.If the media is not repaired, replaced or restored the basis of valuation shall be the cost of the blank media.However this POLICY does not insure any amount pertaining to the value of ELECTRONIC DATA to theINSURED or any other party, even if such ELECTRONIC DATA cannot be recreated, gathered or assembled.h)Misuse of the Internet or ExtranetThe INSURERS shall not be liable for Liability arising directly or indirectly from the use or misuse of the IntranetExtranet and/or caused via the INSURED’S own website or internet site or web address and/or via the transmission ofmail plans designs photographs or other documents by electronic meansTAT/PW/1/0716Page 8 of 46

TATTOO & PIERCING INSURANCE POLICYGENERAL EXCLUSIONSGeneral Exclusions in relation only to the following sections of this policy:The following are applicable to all sections of the Policy other that sections h) and i)i)DAMAGE in Northern Ireland occasioned by or happening through or in consequence directly or indirectly of riot civilcommotion strikers persons taking part in labour disturbances or malicious personsj)DAMAGE to any computer or other equipment or system or item which processes stores transmits retrieves orreceives data or any part thereof whether tangible or intangible (including but without limitation any informationor programs or software) and whether the property is insured or not where such DAMAGE is caused by VIRUS ORSIMILAR MECHANISM or HACKING or DENIAL OF SERVICE ATTACK.k)CONSEQUENTIAL LOSS directly or indirectly caused by or arising from VIRUS OR SIMILAR MECHANISM or HACKING orDENIAL OF SERVICE ATTACK.But this shall not include DAMAGE or CONSEQUENTIAL LOSS which results from a PERIL COVERED (including the acts ofthieves but excluding the acts of malicious persons which do not involve physical force or violence)l)DAMAGE to any electrical plant or appliance caused by its own:i)over-runningii)short-circuitingiii)excessive pressureiv)self-heatingThis exclusion shall not apply where fire spreads to cause DAMAGE to other plant or appliances or other propertyInsured.The following is applicable to sections A, C, E, F and J only:m)loss or destruction or DAMAGE caused by pollution or contamination but this shall not exclude destruction of orDAMAGE to the Property Insured, not otherwise excluded, caused by:1)pollution or contamination which itself results from a PERIL COVERED2)any PERIL COVERED which itself results from pollution or contaminationThe following is applicable to section B only:n)loss resulting from pollution or contamination but this shall not exclude loss resulting from destruction of or DAMAGEto property used by the INSURED at the PREMISES for the purpose of the BUSINESS, not otherwise excluded, caused by:1)pollution or contamination at the PREMISES which itself results from PERIL COVERED2)any PERIL COVERED which itself results from pollution or contamination.o)the EXCESS specified in the SCHEDULEp)DAMAGE caused by fraud or forgery or deceptionq)DAMAGE attributable solely to change in the water table levelr)direct or indirect consequential loss or damage of any kind or description except where specifically includedTAT/PW/1/0716Page 9 of 46

TATTOO & PIERCING INSURANCE POLICYGENERAL CONDITIONS1FAIR PRESENTATION OF THE RISKa)At inception and renewal of this POLICY and also whenever changes are made to it at the INSURED’S requestthe INSURED must:i)disclose to the INSURERS all material facts in a clear and accessible manner; andii)not misrepresent any material facts.b)If the INSURED does not comply with clause (a) of this condition the INSURER may:i)avoid this POLICY which means that the INSURER will treat it as if it had never existed and refuse allclaims where any non-disclosure or misrepresentation by the INSURED is proven by the INSURERto be deliberate or reckless in which case the INSURER will not return the premium paid bythe INSURED; andii)recover from the INSURED any amount the INSURER has already paid for any claims including costs orexpenses the INSURER has incurred.c)If the INSURED does not comply with clause (a) of this condition and the non-disclosure or misrepresentationis not deliberate or reckless this POLICY may be affected in one or more of the following ways dependingon what the INSURER would have done if the INSURER had known about the facts which the INSURED failed todisclose or misrepresented:i)If the INSURER would not have provided the INSURED with any cover the INSURER will have theoption to:1)avoid the POLICY which means that the INSURER will treat it as if it had never existed andrepay the premium paid; and2)recover from the INSURED any amount the INSURER has already paid for any claims includingcosts or expenses the INSURER has incurred.ii)If the INSURER would have applied different terms to the cover the INSURER will have the option totreat this POLICY as if those different terms apply. The INSURER may recover any payments made bythe INSURER on claims which have already been paid to the extent that such claims would not havebeen payable had such additional terms been applied.iii)If the INSURER would have charged a higher premium for providing the cover the INSURER will chargethe INSURED the additonal premium which the INSURED must pay in full.d)Where this POLICY provides cover for any person other than the INSURED and that person would if they hadtaken out such cover in their own name have done so for purposes wholly or mainly unconnected withtheir trade, business or profession the INSURER will not invoke the remedies which might otherwisehave been available to the INSURER under this condition if the failure to make a fair presentation of the riskconcerns only facts or information which relate to a particular insured person other than the INSURED.2Provided always that if the person concerned or the INSURED acting on their behalf makes a carelessmisrepresentation of fact the INSURER may invoke the remedies available to the INSURER under this conditionas against that particular person as if a separate insurance contract had been issued to them leaving theremainder of the POLICY unaffected.FRAUDIf any claim is in any respect fraudulent or if any fraudulent means or devices are used by the INSURED or anyone actingon the INSURED’s behalf to obtain any benefit under this POLICY or if any loss or DAMAGE is occasioned by the wilfulact or with the connivance of the INSURED INSURERS may:a)refuse to pay the claim; andb)terminate the policy from the date of the fraudulent act and retain any premium paid under the POLICY.3REASONABLE PRECAUTIONSIt shall be a condition precedent to any liability of the INSURERS to make any payment under this POLICY that theINSURED:a)take all reasonable precautions to protect the Property Insuredb)comply with statutory enactments Bye-Laws and any other obligations and regulations imposed by anyauthorityc)employ only competent EMPLOYEESd)take all reasonable precautions to prevent accidents and injury and DAMAGEe)maintain always, works machinery and plant in sound condition.In the event of the discovery of any defect or danger the INSURED shall forthwith cause such defect or danger to bemade good or remedied and in the meantime shall cause such additional precautions to be taken as the circumstancesmay require.TAT/PW/1/0716Page 10 of 46

TATTOO & PIERCING INSURANCE POLICYGENERAL CONDITIONS4CANCELLATIONThe INSURERS may at any time cancel the POLICY or any section thereof by letter either to thea)INSURED’s Agent by postal deliveryb)INSURED’s last known address by recorded delivery mailgiving 15 days notice in such event the INSURED shall become entitled to the return of a proportionate part of thepremium corresponding to the unexpired Period of Insurance5PROPOSALIt shall be a condition precedent to any liability of the INSURERS to make any payment under this POLICY that theanswers and statements in the proposal and/or staement of fact and any information supplied by or on the INSURED’sbehalf are true and complete6CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999A person or company who is not a party to this POLICY has no right under the Contracts (Rights of Third Parties) Act1999 to enforce any rights or remedy of a third party which exists or is available apart from the Act7RISK IMPROVEMENT REQUIREMENTSIt shall be a condition precedent to any liability of the INSURERS to make any payment under this POLICY that all RiskImprovement Requirements notified to and agreed by or on behalf of the INSURED shall be complied with and continueto be complied with during the whole currency of the POLICY8CHANGE OF CIRCUMSTANCESThe INSURED must notify the INSURER as soon as possible during the period of insurance if there is any change incircumstances or to the material facts previously disclosed by the INSURED to the INSURER or stated as material factsby the INSURER to the INSURED which increases the risk of accident, injury, loss, damage or liability.Upon notification of any such change the INSURER will be entitled to vary the premium and terms for the rest ofthe period of insurance. If the changes make the risk unacceptable to the INSURER then the INSURER is underno obligation to agree to make them and may no longer be able to provide the INSURED with cover.If the INSURED does not notify the INSURER of any such change the INSURER may exercise one or more of the optionsdescribed in clauses (C) i), ii) and iii) of General Condition 1 - Fair Presentation of the Risk but only with effect from thedate of the change in circumstances or material facts.9LEGAL REPRESENTATIVESIn the event of the death of the INSURED the INSURERS will indemnify the INSURED’s legal personal representativesand estate in respect of liability at law previously incurred by the INSURED provided they observe, fulfil and be subjectto the Terms, Conditions and Limitations of the POLICY insofar as they can apply.10UNOCCUPIED OR UNTENANTEDThe INSURED must tell the INSURER immediately any BUILDING or part of any BUILDING becomes UNOCCUPIED ORUNTENANTED and pay an additional premium if required. The INSURER shall have the right to change the terms andconditions of the POLICY and the INSURED must action any risk improvement measures that the INSURER may require.Failure to comply with the above may result in indemnity being refused.11SANCTIONSINSURERS shall not be deemed to provide cover and no INSURER shall be liable to pay any claim or provide any benefithereunder to the extent that the provision of such cover payment of such claim or provision of such benefit wouldexpose that INSURER to any sanction prohibition or restriction under United Nations resolutions or the trade oreconomic sanctions laws or regulations of the European Union United Kingdom or United States of AmericaTAT/PW/1/0716Page 11 of 46

TATTOO & PIERCING INSURANCE POLICYCLAIM CONDITIONS1CLAIMS NOTIFICATIONa)On the happening of any event which could give rise to a claim or on receiving verbal or written notice of anyclaim the INSURED shall:i)as soon as reasonably possible give notice to the INSURERS’s nominated claims handler as specified inthe SCHEDULE.ii)as soon as reasonably possible notify the Police in respect of any loss or damage by theft or attemptthereat or by riot civil commotion strikers locked-out workers persons taking part in labourdisturbances and malicious personsiii)as soon as reasonably possible forward to the INSURERS any writ or summons issued against theINSURED by a third partyiv)take action to minimise the loss or damage and to avoid interruption or interference with th

TAT/PW/1/0716 Page 4 of 46 TATTOO & PIERCING INSURANCE POLICY The INSURED carrying on the BUSINESS described herein and having paid or agreed to pay the premium as consideration for such insurance during the period stated in the Schedule or any subsequent period stated in the Schedule for which the INSURERS shall have accepted the premium required for this Policy.