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After the payment of the first insurance fee, the Policy holder is entitled to a grace period of thirty (30) days from the due date for the payment of each subsequent insurance fee without incurring any surcharge. During the grace period, the Policy is still valid, but if an insured peril occurs within the grace period, all overdue fees will be deducted from the Policy.

If the Policy holder does not pay the overdue insurance fees within the grace period, then, depending on the conditions specified in each Insurance Policy separately, then this overdue debt can be paid:

Α. using automatic lending

Β. with automatic payment of Insurance Fees with purchase of units

In the event that the time criteria specified in the Policy are exceeded and the Redemption Value is not sufficient, then the Insurance Policy becomes Free of further Fee payments, unless the amount of the Redemption Value is less than €35, in which case it is automatically terminated.

For the Policy holder to be entitled to request this conversion, the Policy must have acquired a Redemption Value and after deducting any sums owed to the Company, the balance must not be less than €35

In order for the Policyholder to be entitled to request this conversion, the Policy must have acquired a Redemption Value, fees must have been paid from the commencement of the Policy for a period of time specified in the Policy and after deducting any sums owed to the Company the balance must not be less than €35

The Company has not determined a maximum amount of Additional Insurance Fee, while the amount of €350 has been determined as a minimum additional amount of insurance fees.

In exception to the regulations, the Company for the year 2022 will not impose any such fee.

Only the charge of €17 is placed for issuing a copy of the Insurance Policy

In the case of exercising the right of partial redemption for more than two times between two consecutive anniversaries of the Policy, then the Company imposes a fee of €35

• To allow a partial redemption, its amount must not be less than the minimum amount of €75
• To allow a partial redemption, the amount must not be greater than 80% of the Policy's Redemption Value
• To allow partial redemption, the value of the units that remain credited to the Policy after any partial redemption must not be less than €200. In the case of a Partial Redemption, the Company makes a corresponding reduction in the amount of coverage, but in no case will this reduced amount of coverage be less than the minimum amount of €1,000

The Fund management charge is calculated and charged on each Valuation Date and does not exceed an amount equal to the result of multiplying the ratio of Z by three hundred sixty-five (Z/365) times x percent (x%) of the value of the Fund (where Z corresponds to the interval, in days, between the Valuation Date and the immediately following Fund Valuation Date). This percentage varies at the discretion of the Company with a maximum of y percent (y%) per year. The amount of this charge is in addition to the expenses related to the assets of the Fund, for which reference is made in paragraph B 2, 3, 4 and 6 of this article. These percentages (x% and y%) differ for each Fund and are shown in the table below. The table shows the annual percentage increase. The charge is made at each assessment of the Fund (every fortnight) on the total value of each Fund.

• 0,80% PrimeSAFETY
• 1,00% PrimeDISCIPLINED
• 1,00% PrimeBALANCED
• 1,20% PrimeAGGRESSIVE
• 0,80% PrimeSECURE

Α. Change of Fund allocation of the Invested Amount of future fees

The effective date of the change in the Fund for the allocation of the Invested Amount of future fees is the date of the first fee payment following the date of receipt at the Company's headquarters of the signed application of the Policy holder for the change in the Fund for the allocation of the Invested Amount of future fees. Any change of Fund allocation of the Invested Amount of future fees will be subject to administrative costs. The first such change is free of charge. For all the next changes that take place within an insurance year, there is a charge of €35 each time. The maximum number of such Fund changes during an insurance year is four (4) and in order to exercise this option a period of time greater than two months must have passed from the immediately preceding date of exercise of the Unit Redistribution option or the effective date of the contract .

It is not allowed to change the distribution fund in the Safety Fund.

Β. Transfer of Units to another Fund(s) [Reallocation of existing Units)

The Policy holder has the option of transferring Insurance Fee Units or Additional Insurance Fee Units or part of them from one Fund to another or others. This option can be exercised at any time, provided that the Policy is in full force or is free from further fee payments, with a written request from the Policy holder to the Company.

This change will be subject to administrative costs. The first such change is free of charge. For all the rest that take place within an insurance year, there is a charge of €35 each time. The maximum number of such changes during an insurance year is four (4) and in order to exercise this option, a period of time greater than two months must elapse from the immediately preceding date of exercise of the Unit Redistribution option or the effective date of the contract. It should be noted that the transfer to the Safety Fund is not allowed.

Also, the value of the units transferred to each Fund should be greater than or equal to an amount equal to ten percent (10%) of the total value of the units allocated to the Insurance Policy

C. Allocation Fund Change in the Life Cycle Mechanism .

This option can be exercised at any time, provided that the Policy is in full force (and is then in effect), by written request of the Policy holder to the Company. The maximum number of such changes during an insurance year is four (4) and in order to exercise this option, a period of time greater than two months must elapse from the immediately preceding date of exercise of the Unit Redistribution option or the effective date of the contract.

The effective date of the change of Fund for the allocation of the Invested Amount of future fees is the date of the first fee payment following the date of receipt at the Company's headquarters of the Policy holder's signed application for changing the Fund for the allocation of the Invested Amount of future fees to "Life Cycle ". Each change of Fund allocation of the Invested Amount of future insurance fees from and to life cycle will not be subject to management costs.

Also, if the policy holder chooses the Life Cycle mechanism, then he is obliged to transfer to it all existing units and future fees (fees & additional fees)

The Fees for Administrative Expenses are set as shown below:

Investment plans : 75.24 each year (for 2022)

The amount of the fee for the management costs of the Insurance Policy in the investment plans will increase by at least 1.5% in April of each year.