China Merchants Insurance Co., Ltd. ("CMI"), a wholly owned subsidiary of the ChinaMerchants Finance Holding Co., Ltd., was formed in Hong Kong in 1988. Relying onthe long established reputation and financial strength of the Group, CMI is engaged inproviding a wide range of quality general insurance services, such as propertyinsurance, liability insurance, cargo transportation insurance, accident insurance, etc. toboth commercial and personal clients in Hong Kong. With years of endeavour andservice excellence, CMI has successfully obtained the ISO certificate in 1999. CMI'sbusiness philosophy is to provide general insurance service of the highest possible qualityto its clients to achieve their total satisfaction.

China Merchants Finance Holding Co., Ltd., a principle subsidiary directly under theChina Merchants Group, is principally engaged in the financial business, includingbanking, insurance, fund investment and asset management, and securities, which hasbecome a core sector and main profit contributor of the China Merchants Group.China Merchants Group ("The Group"), being one of the "Top Four Chinese Enterprises'in Hong Kong and a forerunner in the development of the national industry and commercein China, was established in 1872. In its corporate history of over 130 years, the Grouphas built the first Chinese merchant fleet, established the first Chinese insurance company,participated in the setting up of the first Chinese bank and has played important roles inmany other industries in the modern history of China. Today, the Group has emerged asa solid and strong conglomerate with businesses spanning China, Hong Kong, SouthEast Asia and many other regions with economic potential. The Group's main businessescover three core sectors of transportation (ports and related services, toll roads, energyshipping and logistics), finance (banking, securities, funds and insurance), as well asproperty (development and management). In recent years, the excellent businessperformance of the Group and many of its public listed subsidiaries, such as ChinaMerchants Holding (International), China Merchants Bonk, China Merchants Securities,China Merchants Direct Investment, China Merchants Property Development, etc. hasattracted social admiration. By the end of 2010, the Group reports a gross assetvalue of RMB320.8 billion and RMB2,600 billion as assets under its management.

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CHINA MERCHANTS INSURANCE COMPANY LIMITEDSuites 2303-04, 23/F., South Island Place8 Wong Chuk Hang Road, Hong KongTel : (852) 2890 5940Fax: (852) 2576 2292

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. aMME 114 IV ifi Olt %I* PA M 1* ;IN St * 114 31

www.cm-insurance.comaelt(852) 2890 5940PftfIlliat3

Office Package Insurancebra PDRIAAD

@ CHINA MERCHANTS INSURANCE COMPANY LIMITEDA Member of China Merchants Group tBARC.111M

OMNA MERCHANTS GROUPShy. 1872

OFP- 0311

Office Package Iowantegrommaracs--.4.

The Wisdom Series' Office Package Insurance is specially designed to meet your practicalbusiness needs. It provides a wide range of coverage to protect against all risks on yourproperties, money, legal liabilities and personal accident. With this comprehensiveprotection, you can now be free from worries by one single step!

BASIC COVERSection 1 - Property All Risks*1. Loss of or damage to Contents

(a) Machinery and equipment

IbI Deed, document, card, tape, film ortransparency

(c) Document in transit

dl Computer system records

e) Work of art or curios

(F (Trade samples and goods held in trust

1g) Replacement of door locks

(h) Personal Effects of the Insured or employeeof the Insured

*Minimum Premium for Section 1: HK$1,000

Maximum Limit (HK$)As per Sum Insured

$100,000 per item

$5,000 per item

$3,000 per year

$50,000 per year

$10,000 per item;10 % of the Sum Insured but notexceeding $100,000 in aggregateper year

$5,000 per item;10% of the Sum Insured but notexceeding $100,000 in aggregateper year

$3,000 per year

$5,000 per person

Free Extensions1. Damage to premises following theft

2. Damage to insured property during alterationsand repairs of the premises

3. Fire extinguishing expenses

4. Temporary removal

5. Professional fees

$20,000 per item;10% of the Sum Insured but notexceeding $100,000 inaggregate per year

Maximum Contract Value$100,000

$20,000 per year

$5,000 per item;10% of the Sum Insured but notexceeding $100,000 inaggregate per year

$10,000 per year

10% of the Sum Insured per year

Section 2 - Business InterruptionIncrease in cost of working incurred inconsequence of damage to property insuredunder Section 1

Free Extensions1. Denial of access

2. Failure of public utilities

3. Additional accounting fees

Maximum Limit (HK$)$1,000,000 per year with12-monthindemnity period

$500,000 per year with 12-monthindemnity period$500,000 per year with12-month indemnity period$50,000 per year

Section 3 - Money Maximum Limit (HK$)1. Loss of money (other than crossed cheques,

crossed postal orders, crossed money orders,crossed bankers' drabs and credit card solesvouchers)(a) Money in transit(b) Money on the premises during business

hours(c) Money on the premises out of business

hours in a locked safe or lockedstrongroom

(dl Money on the premises out of businesshours in a locked drawer or locked cashregister

le) Money in bank night safes andthereafter within bank premises until atbanks' risk

2. Loss of crossed cheques, crossed postalorders, crossed money orders, crossedbankers' drafts and credit card salesvouchers

3. Loss of or damage to safes and cash registercaused by theft or attempted theft

$50,000 per event$50,000 per event

$50,000 per event

$5,000 per event

$50,000 per event

$500,000 per event

$25,000 per event

Section 4 - Fidelity Guarantee Maximum Limit (HK$)

Loss of money due to acts of fraud or dishonesty $50,000 per yearcommitted by employee

Section 5 - Personal Accident Maximum Limit (HK$)Accidental deoth or permanent totaldisablement of the Insured or employee as aresult of fire, explosion, theft or attempted theft atthe premises

$100,000 per person;$500,000 per year

Section 6 - Public Liability Maximum Limit (HK$)Legal liability for accidental bodily injury orproperty damage to third parties

$10,000,000 per year

Free Extensions1. First aid2. Food and drink (Maximum Limit: HK$2,000,000)3. Overseas visits4. Social and sports club5. Tenant liability

OPTIONAL COVER

Employer's liability to employee under the Employees' Up to the statutory limit requiredCompensation Ordinance and Common Law under the Ordinance^Minimum premium for Section 7: HK$ 500 +Government levies

Free Extensions1. Employee attending sports or social activities2. Extraordinary weather condition3. Overseas business visits

MAIN EXCLUSIONS1. Any consequence of war, riot, civil commotion or act of terrorism (except as

otherwise stated in Section 7), chemical or biological contamination, nuclearfission or fusion and radioactive contamination.

2. Wear, tear, moths, vermin, insects, damp, rust, denting, chipping or scratching.3. Electrical or mechanical breakdown or derangement, faulty design in materials,

plan or specification, impairment in the function of software or computer programsor of its date related performance and functionality.

4. Any loss caused by or arising from asbestos in whatever form or quantity.

REM-ARKS ii......i....aitii=6-414Viii.34.1101.410111.6V16.441...---1 . This insurance is applicable to business registered in Hong Kong only.2. Any changes to the information given before the policy comes into force must be

notified in writing to Chino Merchants Insurance Company Limited ("The Company").3. The Company has the final decision on the acceptance of this application and the

insurance coverage. In case of any disputes, the decision of the Company shall be Final.4. The Company reserves the right from time to time to review and vary the annual premium.5. All contents, terms and conditions of this insurance are written in accordance with

the relevant laws of the HKSAR.6. 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.6. Additional cost of removal of debris

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