Insurance of corporate assets

Commercial property insurance

Annex 1 to the Corporate Property Insurance Proposal

TMP No. 3979831027 2023-11-23
1. Objects covered
Building #1
Unique number / (marking on
Place of insurance, address VYTAUTO G. 9, BIRŽAI 3695-8003-0017
plan)
Masonry, monolithic reinforced concrete
Type of insured object (purpose) Buildings for commercial purposes Type of construction
/ reinforced concrete

Year of construction/reconstruction 1958/2001 Unconditional deduction 115,00 EUR

Total volume (m3) 3369 Nature of the insured value New value

Amount of insurance for the object EUR 863 542,00 Method of insurance -

Building #2
Unique number / (marking on
Place of insurance, address VYTAUTO G. 9, BIRŽAI 3695-8003-0028
plan)
Bus garages, heavy vehicle garages,
railway wagon depots, aircraft hangars,
Type of insured object (purpose) Type of construction Metal
similar
Buildings

Year of construction/reconstruction 1958/2017 Unconditional deduction 115,00 EUR

Total volume (m3) 177 Nature of the insured value New value

Amount of insurance for the object EUR 21 780,00 Method of insurance -

Building #3
Unique number / (marking on
Place of insurance, address VYTAUTO G. 9, BIRŽAI 3695-8003-0039
plan)

Type of insured object (purpose) Engineering structures (other Type of construction Metal network
structures)

Year of construction/reconstruction 1958 Unconditional deduction 115,00 EUR

Total volume (m3) 100 Nature of the insured value Residual value

Amount of insurance for the object 2 139,00 EUR Method of insurance -

The terms and conditions apply to all insured objects:

Prohibited events: fire; storm; flood; heavy rain, hail; snow pressure; ground compaction; Anti-
theft measures: local property security alarm;

2. Sum insured

Object of insurance / sum insured Buildings EUR 887 461,00

Equipment 0,00 EUR
Inventories 0,00 EUR
Investments 0,00 EUR
Additional losses and 0,00 EUR
expenses Business 0,00 EUR
interruption insurance EUR 887 461,00
Total sum insured:

3. Certificate insurance premium

Total insurance contract premium

370,00 EUR
Total premium

4. Additional conditions for the whole policy

The Insurer and the Policyholder agree that insurance cover shall not be afforded to premises and the property thereon which have thatched,
shingled or similar roof coverings.

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 Insurance of company assets
Commercial property insurance

Annex 1 to the Corporate Property Insurance Proposal

TMP No. 3979831027 2023-11-23
The insured objects are under construction, reconstruction or repair and are therefore subject to Part II, 6.9.2 of the Rules on Insurance of
Property of Enterprises No 059. "Limitation of insurance cover for the building under construction, reconstruction, repair: - a) during the
construction, reconstruction or repair of the building, the building and the property therein shall only be covered by insurance against the risk
of fire (fire, smoke, soot, lightning, explosion, fire from the control of the building or the building's contents, or from a breakdown, accident,
pilot error, etc. (e.g. if the aircraft, its parts, cargo, or parts of the aircraft, or its parts, cargo or cargo fall or collision); - (b) cover against the
risk of natural forces shall only apply if the main structures of the building (external and internal walls, slabs, other load-bearing and
enveloping structures) are already in place, the roof has been covered and completely repaired, all windows and doors have been properly
installed, and any other openings have been covered in such a way that unfinished construction and renovation work does not increase the
risk of damage from natural forces; - (c) unless otherwise provided for in the insurance contract, an additional deductible of EUR 600 shall be
added to the deductible specified in the insurance policy during the period of construction, reconstruction or repair; - (d) upon completion of
the construction, reconstruction or repair works, the insurance cover shall take effect against all risks specified in the insurance policy or
contract.

The policyholder claims that it has not suffered any losses from the insured objects in the last 3 years. If this statement by the policyholder proves
to be untrue, it shall be considered a material breach of the insurance contract, in respect of which the insurer shall have no pecuniary obligation
whatsoever, including the obligation to pay the insurance benefit.

There are no activities on the insured site:

1. The policyholder confirms that the buildings/premises are unoccupied at the time of the conclusion of the insurance contract and that no
industrial/commercial activity is taking place there, which is an essential condition for the insurance cover to apply.
2. In case of commencement of any industrial/commercial activity in the insured buildings/premises, the Policyholder must inform the Insurer
in writing at least 10 working days before the commencement of the activity. The Insurer shall have the right to change the terms and
conditions of the insurance contract or to refuse to provide insurance cover, taking into account the nature of the commenced activity.
3. If the Policyholder breaches the obligation to notify the Insurer of the commencement of industrial/commercial activities in the buildings/
premises specified in the insurance policy, it shall be deemed a material breach of the insurance contract, in the event of which the Insurer shall
have no pecuniary obligation, including the obligation to pay the insurance benefit.
4. The policyholder shall protect the buildings/premises from unauthorised access by persons (including basements and ancillary rooms)
by ensuring that doors, windows, skylights and the exterior of the building are locked and sealed during the entire period of insurance
cover. Failure or incomplete fulfilment of this obligation shall be considered as a breach of the insurance contract, which shall entitle the
Insurer to reduce or not pay the insurance benefit in the event of an insured event.
5. In addition to the cases provided for in the insurance rules, the Insurer shall not indemnify against loss due to destruction or damage to property:
5.1. caused or aggravated by exposure to frost in plumbing, sewerage and heating systems and their equipment;
5.2. caused or exacerbated by broken window panes in unused premises;
5.3. caused or exacerbated by leaking windows, doors and holes in the roof and walls.

There are no activities on the insured site:

1. The policyholder confirms that the buildings/premises are unoccupied at the time of the conclusion of the insurance contract and that no
industrial/commercial activity is taking place there, which is an essential condition for the insurance cover to apply.
2. In case of commencement of any industrial/commercial activity in the insured buildings/premises, the Policyholder must inform the Insurer
in writing at least 10 working days before the commencement of the activity. The Insurer shall have the right to change the terms and
conditions of the insurance contract or to refuse to provide insurance cover, taking into account the nature of the commenced activity.
3. If the Policyholder breaches the obligation to notify the Insurer of the commencement of industrial/commercial activities in the buildings/
premises specified in the insurance policy, it shall be deemed a material breach of the insurance contract, in the event of which the Insurer shall
have no pecuniary obligation, including the obligation to pay the insurance benefit.
4. The policyholder shall protect the buildings/premises from unauthorised access by persons (including basements and ancillary rooms)
by ensuring that doors, windows, skylights and the exterior of the building are locked and sealed during the entire period of insurance
cover. Failure or incomplete fulfilment of this obligation shall be considered as a breach of the insurance contract, which shall entitle the
Insurer to reduce or not pay the insurance benefit in the event of an insured event.
5. In addition to the cases provided for in the insurance rules, the Insurer shall not indemnify against loss due to destruction or damage to property:
5.1. caused or aggravated by exposure to frost in plumbing, sewerage and heating systems and their equipment;
5.2. caused or exacerbated by broken window panes in unused premises;
5.3. caused or exacerbated by leaking windows, doors and holes in the roof and walls.

Insurer Insurer
Representative of insurer Policyholder
By paying the premium (or the first part thereof) and/or signing, I agree and confirm that:
ADB Gjensidige - all the information given in this document and its annexes is correct;
- I have read the terms and conditions of the type of insurance (Corporate Property Insurance Terms and
Director, Corporate Clients Conditions No. 059 (in force as of 1 March 2016), General Conditions of Insurance (in force as of 11 May
Department 2021)), I have no objections and I have been given a copy of the terms and conditions either personally, by e-
mail or by delivery
Rimtas Vaitkunskas "Gjensidige website. I am informed that I can access the full rules at https://www. gjensidige.lt/ruykles and I
have the right to request a paper copy of the insurance rules (by contacting info@gjensidige.lt, by phone 1626
or by going to the nearest Gjensidige insurance office);
- I have read the Insurer's Principles of Personal Data Processing and the information on how the Insurer
handles personal data, which is set out in the rules of the insurance type;
- I have read and accept the terms and conditions set out in the insurance contract (insurance policy) and
h a v e n o objections.

INPACTO, UADBB,
Insurance brokerage jmone
(Name, surname, title, signature) A.V.

ŽALGIRIO G. 88, LT-09303 VILNIUS, LIETUVA

NORD INVESTMENTS, UAB
(Address)
(Name, surname, title, signature) A.V.
Date of issue: 23.11.2023 11:16
This insurance policy is issued in duplicate, one for each party to the contract.

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 ADB "Gjensidige", Žalgirio g. 90, LT-09303 Vilnius
Address of the electronic delivery box 110057869
Registered office 110057869, VAT code
LT100005131713
Data is collected and stored in the Register of Legal Entities
SEB bankas, AB, a.s. LT50 7044 0600 0109 6656
Luminor Bank AS Lietuvos skyrius, a.s. LT56 4010 0495 0002 0100
"Swedbank", AB, a.s. LT87 7300 0100 7139 6601

Certificate of insurance for business property

Commercial property insurance policy

Insurance policy No. Certificate ID No.

GJELT 4083667 3979845527
Insurance policy number Policy ID number

Parties and validity of the contract

Contractual parties and validity

You (Policyholder) NORD INVESTMENTS, UAB, jm. k. 306064518

Address: 4 - 415A GYNĖJŲ St., LT-01109 VILNIUS, LITHUANIA
Policyholder Contact phone +37062211009, email JK@REALTIME.LT
Beneficiary INRENTO, UAB, jm. k. 305519977
Beneficiary Address: 4 - 70 RAMYBĖS St., LT-02103 VILNIUS, LITHUANIA, e-mail: info@inrento.com
We (Insurer) The insurance contract is valid (from - to) 2023-11-30 00:00
ADB Gjensidige
Insurer Insurance period (valid from - valid till) 2024-11-29 24:00
This insurance policy;
The insurance contract consists of Insurance policy No GJELT4083667, Annex No 1;
Insurance contract consists of Conditions of Insurance of Corporate Assets No. 059 (in force since 1 March 2 0 1 6 ), General Insurance Conditions (in force since 1
March 2016)
wording from 11 May 2021).

Terms and conditions of the insurance contract and the object(s) of insurance
Individual clauses of insurance contract

Activities carried out by the insurer

RESIDENTIAL COMMERCIAL BUILDINGS, Hotels, Accommodation Policyholder'
performed activity
Name of the insured object
Insurance of
Name of the subject matter insured
buildings;
Total sum insured
EUR 887 461,00
Total sum insured

General information
Main information

Information on the processing of personal data:

- The insurer acts as a controller of personal data in the performance of its insurance business and processes personal data provided by you for the purpose of
concluding the contract and lawfully obtained from third parties. Personal data shall be processed for the purpose of concluding and executing this insurance
contract (including calculation of the premium, sending reminders of overdue premiums, claims management, reminders of the expiry of the contract) in
the manner set out in the rules of the type of insurance provided to you and the principles of personal data processing published on the Insurer's website;
- The Insurer processes personal data only under the following conditions for lawful processing: the processing is necessary for the performance of a contract; the
processing is necessary for the performance of a legal obligation to which the Insurer is subject; the processing is necessary for the protection of the vital interests of
your person or of another person; the Insurer has obtained consent to the processing of the personal data; or the Processing is carried out by the Insurer in the pursuit
of legitimate interests;
- The Insurer may disclose personal data to public authorities, data processors acting on behalf of the Insurer, business partners and other third parties who assist
the Insurer in the provision of its services, where required by law or where there is a legal basis. Personal data shall only be disclosed for predefined purposes and
only to the extent necessary to achieve the stated purposes;
- You have the right to have access to your personal data processed by the Insurer and to find out how they are processed and to request the correction of incomplete,
incorrect or inaccurate personal data, as well as to request the deletion of personal data, to restrict or object to their processing, as well as to request the transfer of
your personal data and to lodge a complaint with a supervisory authority;
- More detailed information on how the Insurer processes your personal data is available on the Insurer's website: https://www.gjensidige.lt/asmens-duomenu-
processing-principles.
ADB The emailcompany
Gjensidige is an insurance address of the Insurer's
registered in theData Protection
Republic Officer operating
of Lithuania, is: dpo@gjensidige.lt.
in accordance with the legislation of the Republic of Lithuania and the
insurance license No.21 issued by the Bank of Lithuania (Gedimino pr. 6, LT-01103 Vilnius, tel. +370 800 50 500, e-mail: info@lb.lt , website: www.lb.lt), valid from 30
July 1993.

The Intermediary does not hold, directly or indirectly, any shares or other equity interests in ADB Gjensidige conferring more than 10% of the voting rights or
representing more than 10% of the capital. ADB Gjensidige does not hold, directly or indirectly, any shares or other interests in the capital of the intermediary conferring
more than 10 % of the voting rights or representing more than 10 % of the capital.

No recommendation has been made to you for this insurance product.

The broker's commission (as a percentage of the amount of the premium) is calculated on the premium. Insurance

services are not subject to VAT in accordance with Article 27 of the Law on VAT.
 Certificate of insurance for business property
Commercial property insurance policy

Insurance policy No. GJELT 4083667

Insurance policy number

Insurance premium and payment terms

Insurance premium and payment schedule
Payer
NORD INVESTMENTS jm. k. 306064518
Payer
Address: 4 - 415A GYNĖJŲ St., LT-01109 VILNIUS, LITHUANIA
Contact phone +37062211009, email JK@REALTIME.LT

Total contract fee 370,00 EUR Pay up to 2023-11-30

Total premium To pay until

In the event of an insured event, Online at https://www.gjensidige.lt/atsitikus-ivykiui/registruokite-ivyki-internetu

contact or by phone 1626 (from abroad +370 5 2721626)
In case of an event please contact

Insurer Insurer
Representative of insurer Policyholder
By paying the premium (or the first part thereof) and/or signing, I agree and confirm that:
- all the information given in this document and its annexes is correct;
ADB Gjensidige - I have read the terms and conditions of the type of insurance (Corporate Property Insurance Terms and
Director, Corporate Clients Conditions No. 059 (in force as of 1 March 2016), General Conditions of Insurance (in force as of 11 May 2021)), I
have no objections and I have been given a copy of the terms and conditions either in person, by e-mail or by
Department "Gjensidige website. I am informed that I can access the full rules at https://www. gjensidige.lt/ruykles and I
Rimtas Vaitkunskas have the right to request a paper copy of the insurance rules (by contacting info@gjensidige.lt, by phone 1626
or by going to the nearest Gjensidige insurance office);
- I have read the Insurer's Principles of Personal Data Processing and the information on how the Insurer
handles personal data, which is set out in the rules of the insurance type;
- I have read and accept the terms and conditions set out in the insurance contract (insurance policy) and
h a v e n o objections.

INPACTO, UADBB,
Insurance brokerage jmone
(Name, surname, title, signature) A.V.

ŽALGIRIO G. 88, LT-09303 VILNIUS, LIETUVA NORD INVESTMENTS, UAB

(Address) (Name, surname, title, signature) A.V.

D a t e of issue of the insurance policy: 23.11.2023 11:23

This insurance policy is issued in duplicate, one for each party to the contract.
This document provides general information about the insurance product-q |moniç property insurance. This document does not represent a specific insurance contract.
and there is no insurance for the contract. The insurance contract and the information related to the insurance contract are contained in other documents: the ADB "Gjensidige"
Insurance Rules ([monig property insurance rules No. 059, valid version from 01.03.201ó-03.01, General Insurance Rules, valid version from 11.05.2021), the insurance proposal,
the insurance contract, the insurance policy and its annexes.

What is the nature of this drought?

|mOniq property damage to posts, installations, warehouses and other immovable or movable property referred to in the
contract of damage against damage, destruction or loss due to a damage event specified in the contract of damage

Who has been asked to do this? Who is the beneficiary of the netcom drouding?

Deduction option for the posts, installations, organs and/or for real estate- ava rinés conditions or self-built post offices, raftsand
investments specified in the dredging contract barrels on jqs, greenhouses, sheds and logical buildings, wells,
boreholes
You must be able to avoid one or more of the underground
risks created: Movable property - data and software, documents, registered
vehicles,
• Fire orloivia, Iaiva, agricultural machinery, cash and paper, jewellery,
• Water plantsand animals, building and installation services and construction
materials and property not in your possession or control
• Vogystés
• Gomtiniq jègq
Unless otherwise specified in the contract of indemnity, the
• A fox's third eight years of activity indemnity shall be net of any loss arising from:
• Glass-smoke
• Vehicles for transport Theft and/or vandalism without signs of use or extension,
disappearance of property for undetermined reasons
The following clauses, which extend underground risks, are Process of water penetration through the roof
selected in the Popildomoi golite: or walls of Loikiq II
Gomtiniq jég q, which does not satisfy the specified q
• All-risk insurance (as defined in the insurance regulations) parameterq Construction and/or design errorq
• Electricity | fluctuations in electricity prices q insurance Natural disintegration, expansion, decomposition of the
• Carries mqjq computer and other small portables paste Non-quality or defective property Damage from
The insurance was not valid in Lithuania or in the whole of direct exposure to plants and animals
geographical Europe, except Ukraine, BaIt or usijq and Russia Exceeding the design load
• Stationary advertising stand for dro udimq Confiscation, seizure or destruction of property by order of the
• Net q money q in the q receptacles at the place of public authorities
deposit, droudimq Progro minès |ranges and dataq noudation cloid q, virusq
• Mqjq lives in a mqjq, but mq general education facility q is not at akq
available Explosives in the operation of the Go
• Vidiniq |renginiq gedimq insurance rantinio loikotor pio at sokomybès
• Insurance of Dorbuotojq property at the place of insurance The value of special arts, crafts, heritage, etc., is reduced
Other accidents may occur as provided for in the rules or
• Krautuvq hit my insurance
the certificate of the type of the accident
• Financial losses due to business interruption
• The execution of construction work should not be
considered as an increased risk

In a contract of drowning, we have to agree on the other Is there any other kind of smoking
riskq of drowning what are the options?

The amount of the drouding specified in the drouding contract We have the right to exclude or not exclude the
amount of the loss if:
Assets subject to a selected risk may be placed at full value
! Draudžia mosis |vykis |vyko dél Jûsq, apdra ustojo ar noudos
or at first risk (first risk is limited by the amount of the loss on
gavéjo tyčios
the assets you have selected to place at risk) ! Keep on reducing the risk q
! Security systems not working
! You are selling flammable or explosive hunters
! The station's service at the place of insurance
! You do not give it the possibility to assess the size of the
loss and the reason for it
! You have received a grass wage from the person
responsible for making the grass
! Zalos has not confirmed the relevant defence

In the event of any insured event, the amount of the loss shall be
reduced by the amount of the excess specified in the insurance
policy

The right to determine other cases of exemption from or

reduction of the payment of the maintenance allowance

Detailed information on the effects is contained in the insurance product's terms and conditions a n d / o r the insurance proposal
and/or the insurance contract and its annexes
 Where are the options for the toikomo drowning?
• The insurance cover shall be applied only at the place of insurance specified in the insurance contract
• If you have additional insurance coverage, your computer and other small portable equipment are located in the territory of the Republic of Lithuania or in
Europe, with the exception of Ukraine, Bolta Russia and Russia
What are the mono options?
• Provide all relevant information on the object of the auction
• Provide all requested documents related to the object of the contract
• To allow the insurance to be taken out on mq assets
• Immediately correct any incorrect or incomplete information
upon observation
• To pay the insurance premiums on the terms specified in the insurance
contract
• For payment orders, enter all the following in the payment documents
our required details
• Participation in risk reduction and social development measures
• Failure to inform us of an increase in risk (for example, a change
in theuse of the property, the sale of construction, repair or
reconstruction works or changes in other circumstances which we
asked about before concluding the insurance contract)
How and where do I pay?
You can pay the full amount of the invoice or deduct its payments (up to
4 payments). |Pay it in full this way:
• to
• the world of the morning www.gjensidige.It
• e. ba nke, having launched e. sqska itq and concluded an automatic
payment agreement|
• after payment delays:
- porduotuviq "Maximo" in kosose
- "Lithuanian Post office in Kosovo
Why did you fear and dread the possibility of
poisoning?
• The insurance contractis concluded forthe term of theschool contract
and the termspecified in the insurance policy
• The insurance contract shall be valid from the date specified in the
insurance policy at 00:00 a.m. (Lithuanian time), if no other time is
specified in the policy and if the insurance premium has been paid.
Exclusions and consequences of non-payment of the premium by the
policyholder are set out in the terms and conditions of insurance
• The maturity of the insurance contract is 24:00 p.m. (Lithuanian time)
on the date specified in the insurance policy, if the insurance policy
does not specify
How do I go about finding a new caterer?
Notify us in writing at least 15 days before the desired date of
cancellation:
• just mail
• by email
• the mass of the courier's business by courier
• chapters m ûsq
The details are contained in the insurance product terms and conditions and/or the insurance proposal and/or the insurance contract and
its annexes
• Informing the insurer and (or) the recipient of the money about the
insurance contract and its conditions
• Take measures to prevent the emergence of grass or undergrowth
• Notify immediately the mother's home office of the arrival|
• Youshould register your interest within 5 days of becoming aware of it on
our website www.gjensidige.It (you can do this quickly and easily by
logging in to the website) or by phone 162ó
• |In the event of an accident, to recover damaged property
• To help us determine the size of the zola and to smell it
• To provide documentation and information on departure and withdrawal
• Provide information about the cause of the incident
• Coordinate asset recovery estimates
• To reimburse the payment of the amount paid for not having received a payment or
overpayment of the payment
- in the terminals "Perms"
- "Lietuvos spoudo, Narvesen and Voskota in sub-niches
• payment card at ADB Gjensidige offices
Payment by credit card or cash from go lite only in some of our or our
partner's offices
The insurance premium, its payment terms and conditions shall be
specified in the contract of insurance
the other loci. Insurance protection also covers claims against the
terms o f t h e insurance contract, includingbut not limited to cases
where we have paid all the benefits set out in the insurance contract
and caseswhere there is a change in the owner of the property insured
• Go for a long term contract for more than just q years
for the term
Requests for termination of the insurance contract must be signed by YOU or YOUq
|goIiT person
If you, as a natural person, conclude an insurance contract by means of
distance communication (internet, telephone, e-mail) for purposes
unrelated to your business or profession, you have the right to cancel it
within 14 calendar days from the date of conclusion of the contract,
except for the exceptions provided for in the rules of insurance