Lucky Motor Co., Ltd General Conditions of Travel Agency Business
ExhibitRules of Special Indemnity

Chapter 1 - Payment of Indemnity, etc.
（Our Company's liability for Payment）
Article 1 If a traveler participating in our Organized Tour has suffered injuries to his/her body due
to a sudden and extraneous accident (hereinafter referred to as the “Accident”) while he/she isparticipating in the said Tour, we will pay to the traveler or his/her statutory heirs indemnity for
death and for residual disability as well as a solatium for hospitalization and for hospital visits(hereinafter referred to as the “Indemnity, etc.”) in accordance with the provisions contained in this
Chapter 1 through Chapter 4.
2

The injuries referred to in the preceding paragraph include symptoms of poisoning which

rapidly develop when toxic gases or poisonous materials are inhaled, absorbed or ingested fromoutside the body accidentally and at once(excluding the symptoms of poisoning which develop as aresult of continuous inhalation, absorption or ingestion), but do not include bacterial food poisoning.

（Definition of Terminology）
Article 2 In these Rules of Special Indemnity, “Organized Tour” shall mean those Tours
defined in Article 2, paragraph 1 of the "Subscription Type Organized Tour Contract" Partand Tours defined in Article 2, paragraph 1 of the “Order-Taking Type Organized Tour
Contract” Part in the Standard General Conditions of Travel Agency Business.
2

In these Rules of Special Indemnity, “While Participating in the Organized Tour” shallmean the period which commences at the time when the traveler starts receiving the servicesof the first transportation and accommodation facilities, etc. which are specified in theitinerary of the said Organized Tour offered by the tickets, etc. arranged by our Company
beforehand with the purpose for the traveler to participate in the Organized Tour and ends at
the time when the traveler finishes receiving the services of the last transportation andaccommodation facilities, etc. However, if the traveler will leave the route of the Organized
Tour specified beforehand and the said traveler has notified us beforehand of the scheduled
dates and times that he/she will leave and return, the period of time from which he/she leaves
until the time that he/she returns shall be considered “While Participating in the Organized
Tour.” On the other hand, if the said traveler leaves the said Organized Tour without

notifying our Company in advance of the scheduled dates and times that he/she will leaveand return, or the traveler leaves the Organized Tour without planning to return, the periodof time from which he/she leaves until the time that he/she returns or the period after he/sheleaves shall not be considered “While Participating in the Organized Tour.” Furthermore, if
the itinerary of the said Organized Tour specifies any date upon which the traveler will notreceive any service of transportation and accommodation facilities, etc. arranged by us(according to the standard time of the location that is being toured), and it is clearly
described in the Contract
Document to that effect, as well as that the indemnity and solatium for the damage sufferedby the said traveler on the said date shall not be paid as provided in the Rules of Special
Indemnity, the said date shall not be considered “While Participating in the Organized Tour.”“The time when the traveler starts receiving the services” in the preceding paragraph3

shall mean one of the times in the following cases:
a. If our tour escort, our employee, or our Business Agent handles the reception, then at thetime that such reception is completed.
b. If the reception in the preceding item will not be performed, then, if the first transportation
and accommodation facilities, etc. is(1) an aircraft, the time of completion of baggage inspections, etc. within the airport
where only passengers are allowed to enter;(2) a vessel, the time when boarding procedures are complete;(3) a railroad, the time when ticket examination is completed or, where ticket
examination is not conducted, the time when the traveler has boarded the relevant train;(4) a vehicle, the time when the traveler has boarded the vehicle;(5) an accommodation facility, the time when the traveler has entered such facility; or(6) a facility other than an accommodation facility, the time when the procedure to use
the facility is completed.
4“The time when the traveler finishes receiving the services” shall mean one of thetimes in the following cases:a.

If our tour escort, our employee, or our Business Agent announces the dismissal of theOrganized Tour, the time when such an announcement has been made.

If the announcement of the dismissal as described in the preceding item is notb.

conducted, then, if the lasttransportation and accommodation facilities, etc. is:(1) an aircraft, the time when the traveler has exited the airport compound where only
passengers are allowed to enter;(2) a vessel, the time when the traveler has disembarked the vessel;(3) a railroad, the time when ticket examination is finished or, where ticket examination
is not conducted, the time when the traveler has disembarked the relevant train.
(4) a vehicle, the time when the traveler has exited the vehicle;(5) an accommodation facility, the time when the traveler has exited the relevant facility;or(6) a facility other than an accommodation facility, the time when the traveler has exited therelevant facility.

Chapter 2 - Cases where Indemnity, etc. is not Paid
（Cases where Indemnity, etc. is not Paid (1)）
Article 3 We will not pay any Indemnity, etc. in cases where the injuries occur from any oneof the causes listed below:
a. Willful misconduct of the traveler, except for injuries caused to persons other than therelevant traveler;b. Willful misconduct of the person who is expected to receive the Indemnity for death, except
that, where that person is a recipient of part of the said Indemnity for death, the amountto be received by any other recipient shall be excepted; c. Suicidal, criminal, or combativeacts of the traveler, except for injuries suffered by persons other than the relevant
traveler;d.

Accidents caused while the traveler is driving an automobile or motorized bicycle

without having the driving qualification required by the relevant laws or ordinances, or ina state incapable of normal driving such as under the influence of alcohol, except for
injuries suffered by persons other than the relevant traveler;e.

Accidents caused because of the traveler intentionally breaking the law or accidents

that occur while the traveler is receiving illegal services, except for damage suffered bypersons other than the said traveler;f.

Brain disease, illness or insanity of the traveler, except for injuries suffered bypersons other than the relevant traveler;g.

Pregnancy, childbirth, premature birth, or miscarriage, or surgical operations or othermedical procedures of the traveler, except for treatment for injuries for which we are
obligated to indemnify;h.

Accidents occurring while the traveler is in custody, in jail, or undergoing execution of

his/her criminal sentence;i.

War, use of force by a foreign power, revolution, coup, civil war, armed rebellion, orother incident or civil commotion similar to these (meaning, in these Special Indemnity
Rules, the state of affairs, which is considered a serious situation from the perspective of
maintenance of public order, whereby the peace of an entire country or a part thereof isseriously damaged by collective action by a mob or a large number of people);j.

Accidents caused by the radioactivity, volatility or other hazardous characteristics orthese characteristics of nuclear fuel material (including expended fuel, hereinafter to beinterpreted likewise) or any object contaminated by nuclear fuel material (including
atomic fission products);k.

Ancillary accidents occurring with the events described in the preceding two items or

accidents
arising from the confusion of social order incidental to them; orl.

Exposure to radiation or radioactive contamination other than as described in item "j"above.
2

We will not pay any Indemnity, etc. for cervical syndrome (a so-called “whiplash injury”)

or lower-back pain without any objective symptoms, regardless of the cause.

（Cases where Indemnity, etc. is not Paid (2)）
Article 4 In the case of an Organized Tour for the purpose of a Domestic Trip, in addition to thecauses listed in the preceding Article, we will not pay any Indemnity, etc. for injuries occurringfrom the causes listed in the following items:
a. an Earthquake, volcanic eruption or tsunami; orb. Ancillary accidents occurring with the events described in the preceding item or accidents
arising from the confusion of social order incidental to them.

（Cases where Indemnity, etc. is not Paid (3)）
Article 5 We will not pay any Indemnity, etc. for the injuries listed in the following items unlessany act by the traveler described in each item below is included in the itinerary of the Organized
Tour determined by us beforehand. However, if the act described in each item below is includedin the said Tour itinerary, we will pay indemnity for injuries suffered due to a similar act while
the traveler is participating in the Organized Tour not included in the itinerary:a. Injuries occurring while the traveler is engaged in the activities designated in ScheduleI;
b. Injuries occurring while the traveler is engaged in a match, race, show (including
training in all cases) or a test run (which means driving or steering with the purpose of aperformance test) by driving an automobile or motorized bicycle or steering a motor boat.
However, we will pay Indemnity, etc. for the injuries occurring while the traveler is doingthese things on the road by using an automobile or motorized bicycle even if they are notincluded in the itinerary of the Organized Tour; orc. Injuries suffered while the traveler is piloting an aircraft other than one flying on a course
designated by an air transportation company (regardless of whether or not it is a regularflight).

（Cases where Indemnity, etc. is not Paid (4)）
第五条二 当社は、旅行者又は死亡補償金を受け取るべき者が次の各号に掲げるいずれかに該当する事
由がある場合には、補償金等を支払わないことがあります。ただし、その者が死亡補償金の一部の受取人である場合には、他の者が受け取るべき金額については、この限りではありません。
一

暴力団、暴力団員、暴力団準構成員、暴力団関係企業その他の反社会的勢力（以下「反社会的勢力」といいます。
）に該当すると認められること。

二

反社会的勢力に対して資金等を提供し、又は便宜を供与する等の関与をしていると認められること。

三

反社会的勢力を不当に利用していると認められること。

四

その他反社会的勢力と社会的に非難されるべき関係を有していると認められること。

Article 5-2 We may not pay any Indemnity, etc. in the case that the traveler or the person toreceive the Indemnity for death has any attribute falling under any of the following items.
However, where that person is a recipient of part of the said Indemnity for death, then theamount to be received by any other recipient shall be excepted.
a. If it is recognized that the traveler falls under the category of a crime syndicate, a gangmember, an associate gang member, a company related to a crime syndicate, or any other
antisocial forces (hereinafter referred to as “Antisocial Forces”);
b. If it is recognized that the traveler is involved in providing funds, etc. or providing

convenience, etc. to Antisocial Forces;c. If it is recognized that the traveler unjustly uses Antisocial Forces; ord. If it is recognized that the traveler has a socially condemnable relationship with Antisocial
Forces.

Chapter 3 - Types of Indemnity, Etc. and Amounts Payable（Payment of Indemnity for Death）
Article 6 If the traveler has suffered an injury as described in Article 1 and died as a direct resultof that injury within 180 days from the day of the accident, for each traveler, we will pay to thestatutory heirs of the traveler indemnity for death in the amount of ¥25 million in the case of an
Organized Tour for the purpose of an Overseas Trip and in the amount of ¥15 million in the case ofan Organized Tour for the purpose of a Domestic Trip (hereinafter referred to as the “Indemnity
Amount”). If, however, the indemnity for residual disability has already been paid to the said
traveler, we will pay the balance remaining after deducting such indemnity paid from theIndemnity Amount due.

（Payment of Indemnity for Residual Disability）
Article 7 If the traveler has suffered an injury as described in Article 1 and developed aresidual disability as a direct result of that injury within 180 days from the day of the accident(which means serious functional disability or the loss of part of the body which remains in the
body and is not recoverable in the future, and where the injury that caused this disability or
loss has been healed; hereinafter to be interpreted likewise), for each traveler, we will pay
indemnity for residual disability in the amount reached by multiplying the Indemnity Amountby the percentage listed in each item in Schedule II .
2

Notwithstanding the provision of the preceding paragraph, if the traveler is in acondition still requiring treatment even after a lapse of 180 days from the day of the accident,
we will pay indemnity for residual disability after identifying the extent of the residual
disability based on the diagnosis of a physician as of the 181st day from the day of theaccident.
3

As for any residual disability not listed in the respective items in Schedule II, we will

determine the payable amount of indemnity for residual disability according to the extent of
the physical disability and pursuant to the classification of the respective items in ScheduleII, regardless of the occupation, age, social status, etc. of the traveler. However, if thefunctional disability of the disability is not as serious as those listed in 1 (3), 1 (4), 2 (3), 4 (4),and 5 (2) of Schedule II, we will not pay indemnity for residual disability.
If two or more types of residual disability are caused by the same accident, we will pay

4

the total amount of indemnity by applying the preceding three paragraphs to each of those.
However, for the residual disability of upper limbs (arms and hands) or lower limbs (legs andfeet) as described in 7, 8, and 9 of Schedule II, the maximum amount payable by us forindemnity for residual disability will be limited to 60% of the Indemnity Amount for eachlimb.
5

To one traveler for each Organized Tour, the maximum amount payable by us for residual

disability under each of the preceding paragraphs shall be the amount of the Indemnity Amount.

（Payment of Solatium for Hospitalization）
Article 8 If the traveler has suffered an injury as described in Article 1, and, as a direct result,
has become unable to engage in normal work or to lead a normal life, and has been
hospitalized (meaning that, treatment by a physician is required, and the patient is
hospitalized at a hospital or clinic, because treatment at home, etc. is difficult,toconcentrate on treatment under the physician's constant care. Hereinafter to be interpreted
likewise in this Article), we will pay a solatium for hospitalization according to the numberof days (hereinafter referred to as “Hospitalization Days”) hospitalized under the followingclassification:a. In the case of an Organized Tour for the purpose of an Overseas Trip:(1) Where the traveler has suffered injury requiring 180 or more
Hospitalization Days: ¥400,000;(2) Where the traveler has suffered injury requiring 90 or more but
less than 180 Hospitalization Days: ¥200,000;(3) Where the traveler has suffered injury requiring 7 or more but
less than 90 Hospitalization Days: ¥100,000; or(4) Where the traveler has suffered injury requiring less than 7
Hospitalization
Days: ¥40,000
b. In the case of an Organized Tour for the purpose of a Domestic Trip:

(1) Where the traveler has suffered injury requiring 180 or
more Hospitalization Days: ¥200,000;(2) Where the traveler has suffered injury requiring 90 or more
but less than 180 Hospitalization Days: ¥100,000;(3) Where the traveler has suffered injury requiring 7 or more
but less than 90 Hospitalization Days: ¥50,000; or(4) Where the traveler has suffered injury requiring less than 7
Hospitalization Days: ¥20,000
2 Even when the traveler is not hospitalized, if any one of the items listed in Schedule III
applies to the traveler, andthe traveler has received treatment by a physician, the period during which the traveler isunder such conditions shall be considered Hospitalization Days when applying theprovisions of the preceding paragraph.
3 If we are to pay either a combination of a solatium for hospitalization and indemnity for death ora solatium for hospitalization and indemnity of residual disability for one traveler, we will pay
the total amount of either combination.

（Payment of a Solatium for Hospital Visits）
Article 9 If the traveler has suffered an injury as described in Article 1, and, as a direct result, hasexperienced difficulty in engaging in normal work or leading a normal life, and has needed tovisit a hospital (which means that because treatment by a physician is necessary, the patient
visits a hospital or clinic to receive treatment by a physician (including house visits by aphysician). Hereinafter to be interpreted likewise in this Article), and the number of days spentfor such hospital visits (hereinafter referred to as “Visit Days”) is equal to or greater than 3 days,
we will pay to the traveler a solatium for hospital visits for the said number of days in accordancewith the following classification:a. In the case of an Organized Tour for the purpose of an Overseas Trip:(1)

Where the traveler has suffered injury requiring 90 or more Visit Days:¥100,000;(2)

Where the traveler has suffered injury requiring 7 or more but less than 90 Visit

Days: ¥50,000; or(3)(3) Where the traveler has suffered injury requiring 3 or more but less than 7

Visit Days: ¥20,000.
b. In the case of an Organized Tour for the purpose of a Domestic Trip:(1)

Where the traveler has suffered injury requiring 90 or more Visit Days: ¥50,000;

(2)Where the traveler has suffered injury requiring 7 or more but less than 90 Visit

Days: ¥25,000; or(3)(3) Where the traveler has suffered injury requiring 3 or more but less than 7

Visit Days: ¥10,000.
2 Even if the traveler does not visit a hospital, when we recognize that the traveler has
experienced considerable difficulty in engaging in normal work or leading a normal life
because of a plaster cast, etc. being attached continuously to the part of his/her bodysuffering from an injury, such as a bone fracture, under the instruction of a physician, theperiod under such conditions shall be considered Visit Days when applying the provisionsof the preceding paragraph.
3 We will not pay for a solatium for hospital visits for the traveler to visit a hospital after the
injury of the traveler has healed to such an extent to not prevent the traveler fromengaging in normal work or leading a normal life.
4 Under no circumstances will we pay a solatium for hospital visits for the traveler to visit a
hospital after the lapse of 180 days from the day of the accident.
5 If we are to pay either a combination of a solatium for hospital visits and indemnity for death ora solatium for hospital visits and indemnity for residual disability for one traveler, we will pay
the total amount of either combination.

（Special Rules Concerning Payment of a Solatium for Hospitalization and a Solatium for Hospital Visits）
Article 10 Notwithstanding the provisions of the preceding two Articles, if Hospitalization
Days and Visit Days are each equal to or greater than one day for a traveler, among thesolatium described in each of the following items, we will only pay that with a larger amount(if both amounts are the same, the solatium described in (1)):(1) A solatium for hospitalization that we should pay for the number of such Hospitalization
Days.
(2) A solatium for hospital visits that we should pay for the number of days deemed Visit Days
calculated by adding the number of such Hospitalization Days to the number of such Visit
Days (excluding the days for which we should pay a solatium for hospitalization).

（Presumption of Death）
Article 11 If the traveler is not found even after the lapse of 30 days after the aircraft or vessel
which the traveler had boarded has been missing or was subject to a disaster, the traveler will be
presumed dead due to the injury as described in Article 1 on the day when the aircraft or vessel was
found missing or subject to a disaster.

（Influence of Other Physical Disabilities or Illnesses）
Article 12 If the injury described in Article 1 has become more serious due to the influence of aphysical disability or illness which had already existed when the traveler suffered the injury
described in Article 1 or due to the influence of an injury or illness which has occurred independentof the accident causing the said injury after the said traveler has suffered the injury described in
Article 1, we will determine and pay the amount to be paid without such influences.

Chapter 4 - Occurrence of Accident and Procedures to Request Payment of Indemnity, etc.

（Request for Explanation, etc. Concerning Extent of Injuries, etc.）
Article 13 If the traveler has suffered an injury described in Article 1, we may request that thetraveler or the person to receive the Indemnity for death explain the extent of the injury, provide
an overview of the accident leading to the said injury, or request a medical examination of his/herbody or a postmortem examination of his/her dead body. In this case, the traveler or the person toreceive the Indemnity for death will be required to cooperate with these requests.
2 If the traveler or the person to receive the Indemnity for death has suffered an injury describedin Article 1 due to causes unknown to us, the traveler or the person to receive the Indemnity for
death shall report to us the extent of the injury, and an overview, etc. of the accident leading to
the said injury within 30 days from the day of the said accident.
3 If the traveler or the person to receive the Indemnity for death has violated the provisions of
the preceding two paragraphs, or has failed to inform us of the facts known to them in the
explanation or report required or has given a false statement, without a valid reason that wewill recognize, we will not pay any Indemnity, etc.

（Request for Payment of Indemnity, etc.）
Article 14 When the traveler or the person to receive the Indemnity for death wishes to receive
payment of Indemnity, etc., he/she will be required to submit a bill requesting payment of Indemnity,
etc. on the form designated by us and the following documents:
a. Claiming payment of indemnity for death:(1) Copy of the deceased traveler's family register and a copy of the statutory heir'sfamily register and a certificate of seal impression;(2) Certificate of the accident issued by a public agency (or by a third party underunavoidable circumstances); and(3) Death certificate or postmortem certificate of the traveler.
b. Claiming payment of indemnity for residual disability:(1) Certificate of seal impression of the traveler;(2) Certificate of the accident issued by a public agency (or by a third party underunavoidable circumstances); and(3) Physician's statement certifying the extent of the residual disability.
c. Claiming payment of a solatium for hospitalization:(1) Certificate of the accident issued by a public agency (or by a third party underunavoidable circumstances);(2) Physician's statement certifying the extent of the residual disability; and(3) Certifying document issued by the hospital or clinic certifying the Hospitalization
Days or Visit Days.
d. Claiming payment of a solatium for hospital visits:(1) Certificate of the accident issued by a public agency (or by a third party underunavoidable circumstances);(2) Physician's statement certifying the extent of the injury; and(3) Certifying document issued by the hospital or clinic certifying the Hospitalization
Days or Visit Days.
2

There are cases where we require the submission of documents other than thoselisted in the preceding paragraph,or where we allow for the omission of part of the documents to be submitted under thepreceding paragraph.

3

Where the traveler or the person to receive the Indemnity for death has violated theprovisions of paragraph 1, or has failed to inform us of the facts known to themconcerning the documents to be submitted or has given a false statement, we will not
pay any Indemnity, etc.

（Subrogation）
Article 15 Even when we have paid Indemnity, etc., the rights held by the traveler or his/her
statutory heir to claim compensatory damages from a third party for the injury suffered by thetraveler will not be transferred to us.

Chapter 5 - Indemnity for Damage to Personal Belonging（Our Company's Responsibility to Pay）
Article 16 If the traveler participating in the Organized Tour being implemented by our Company
happens to have his/her personal belongings (hereinafter referred to as “Compensable Goods”)
damaged accidently while the said traveler is participating in the said Organized Tour, we will pay
indemnity for damage to personal belongings (hereinafter referred to as “Indemnity for Damage”).

（Cases Where Indemnity for Damage is not Paid (1)）
Article 17 We will not pay any Indemnity for Damage for the damage resulting from thecauses listed in each of the following items:
a. Willful misconduct of the traveler, except for damages suffered by persons other than thesaid traveler;b. Willful misconduct of a relative belonging to the same household as that of the said
traveler, unless his/her intention is to let the said traveler receive the Indemnity for
Damage;c. Suicidal, criminal or combative acts of the traveler, except for damages suffered bypersons other than the said traveler;d. Accidents caused while the traveler is driving an automobile or motorized bicycle without
having the driving qualification required by the relevant laws or ordinances or in a state
incapable of normal driving such as under the influence of alcohol, except in the case ofdamages suffered by persons other than the said traveler;
e. Accidents caused because of the traveler intentionally breaking the law or accidents that
occur while the traveler is receiving illegal services, except for damage suffered bypersons other than the said traveler;
f. Exercise of public authority by the State or public institutions, such as confiscation,requisition, seizure, and demolition, except when such exercise has been done as
necessary measures for fire extinction or evacuation;
g. Defects in the Compensable Goods, except for defects that the traveler or the person
taking care of theCompensable Goods on behalf of the traveler has not been able to detect even withconsiderable caution;

h. Ordinary wear and tear, rust, mold, discoloration, damage by rats, vermiculation, etc. of
the Compensable Goods;
i. Mere external damage which does not disable the function of the Compensable Goods;
j. Spill of liquid, which is the Compensable Goods, except for damage caused to other
Compensable Goods as a result;k. Misplacement or loss of Compensable Goods; orl. Causes listed in Article 3, paragraph 1, items 9 through 12.
2

In the case of an Organized Tour for the purpose of a Domestic Trip, in addition to theprovisions of the preceding paragraph, we will not pay any Indemnity for Damage fordamage resulting from the causes described in each of the following items:
a. an Earthquake, volcanic eruption or tsunami; orb. Ancillary accidents occurring with the events described in the preceding item or accidents
arising from the confusion of social order incidental to them.

（Cases Where Indemnity for Damage is not Paid (2)）
Article 17-2 We may not pay any Indemnity for Damage if the traveler has any reasonsfalling under any of the following items:
a. If it is recognized that the traveler falls under the category of Antisocial Forces;b. If it is recognized that the traveler is involved in providing funds, etc. or providing
convenience, etc.to Antisocial Forces;c. If it is recognized that the traveler unjustly uses Antisocial Forces;
d. Where the traveler is a legal entity, if it is recognized that Antisocial Forces control theentity or are substantially engaged in its operation; ore. If it is recognized that the traveler has a socially condemnable relationship with Antisocial
Forces.

（Compensable Goods and Its Scope）
Article 18 The Compensable Goods will be limited to the personal belongings owned andcarried by the traveler while participating in the Organized Tour.
2

Notwithstanding the provision of the preceding paragraph, any item listed in the following
items shall not be included in Compensable Goods:

a. Cash, checks and other securities, documentary stamps,
postage stamps, and the likeb. Credit cards, coupons, airline tickets, passports and the likec. Manuscripts, specifications, designs, ledgers, and the like (including those recorded onrecording media which can be directly processed by information equipment (computers andtheir peripherals such as terminals) such as magnetic tapes, magnetic disks, CD-ROMs,
optical discs, etc.)
d. Vessels (including yachts, motorboats and boats) and automobiles, motorized bicycles andtheir accessories
e. Mountain climbing equipment, expedition equipment and the likef. Dentures, artificial limbs, contact lenses and the likeg. Animals and plants
h. Other items specified by our Company beforehand（Amount of Damages and Amount of Indemnity Payable）
Article 19 The amount of damages for which Indemnity for Damage is payable by us (hereinafterreferred to as the "Amount of Damages") shall be determined on the basis of either the price of theCompensable Goods at the place and time when the damage was caused or the total amount of therepair fees required to restore the Compensable Goods to the state immediately preceding theoccurrence of the damage plus the amount described in the next Article, paragraph 3, whicheveris less.
2

Where the Amount of Damages for one item or one pair of the Compensable Goods
exceeds ¥100,000, we will consider the Amount of Damages of the Compensable Goods
to be ¥100,000 and apply the provision of the preceding paragraph.

3

The maximum amount of Indemnity for Damage payable by us shall be ¥150,000 per
traveler per Organized Tour. However, if the Amount of Damages for a traveler does notexceed ¥3,000 for an accident, we will not pay any Indemnity for Damage.

（Prevention of Damage, etc.）
Article 20 When the traveler has learned that damage has occurred to the Compensable
Goods as provided in Article 16, he/she must implement the following measures:
a. Make efforts to prevent and reduce the damage;b. Inform our Company without delay of the extent of the damage, an overview of theaccident causing the damage, and whether the Compensable Goods damaged are subject
to an insurance contract or not; andc. If the traveler is entitled to receive indemnity for damage from others, take necessary
procedures to exercise his/her right.

2

When the traveler has violated the preceding paragraph, item a, without justifiable
cause, we will regard the balance remaining after deducting the amount considered
preventable and reducible as the amount of damages, and when the traveler has
violated the same paragraph, item b, we will not pay any Indemnity for Damage. Also,
where the traveler has violated the same paragraph, item c, we will regard the balanceremaining after deducting the amount considered receivable by exercising his/her rightto obtain such an amount as the amount of damages.

3

We will pay the following expenses:
a. Expenses paid which we consider necessary or useful to prevent and reduce the damage
prescribed in paragraph 1, item a; andb. Expenses required to take the procedures prescribed in paragraph 1, item c.

（Request for Payment of Indemnity for Damage）
Article 21 When the traveler wishes to receive the Indemnity for Damage, he/she will be
required to submit to us a bill requesting payment of the Indemnity for Damage on the form
designated by us as well as the following documents:
a. Certificate of the accident issued by the police or an alternative third party;b. Documents to certify the extent of the damage caused on the Compensable
Goods; andc. Other documents requested by us.
2 If the traveler has violated the provisions of the preceding paragraph, has knowingly
made an untrue description on the documents submitted to us, or has forged or falsified
those documents (to be considered likewise if he/she has had a third party commit theseacts), we will not pay any Indemnity for Damage.

（In Cases Where There is an Insurance Contract）
Article 22 If there exists an insurance contract which is due to pay insurance money for thedamage described in Article 16, we may reduce the amount of Indemnity for Damage payable by us.

（Subrogation）
Article 23 If the traveler has the right to claim compensatory damages against a third party for
the Indemnity for Damage for which we are responsible to pay, such a right to claim compensatory
damages shall be transferred to us within the limit of the amount of the Indemnity for Damage that
we have paid to the traveler.

Schedule I (related to Article 5, item a)Mountain climbing (which requires mountain climbing equipment such as ice axes, crampons,ropes, hammers), luging, bobsledding, skydiving, hang gliding, operating an ultra-lightmotorized plane (such as motorized hang gliders, micro-light planes, and ultra-light planes),
flying a gyro plane, and other dangerous activities similar to these.

Schedule II (related to Article 7, paragraph 1, paragraph 3, and paragraph 4)
1. Disorder of the Eyes
(1) When the eyesight of both eyes has been lost.

100％(2) When the eyesight of one eye has been lost.

60％(3) When the corrected eyesight of one eye has become 0.6 or less.

5％(4) When the visual field of one eye has come to suffer from constriction (meaning

5％

where the visual field has become 60% or less of the total of the angle of thenormal visual field).
2. Disorder of the Ears
(1) When the hearing of both ears has been lost completely.

80％(2) When the hearing of one ear has been lost completely.

30％(3) When the hearing of one ear is not good enough to comprehend a normal

5％

speaking voice at a distance of 50 cm or more.
3. Disorder of the Nose
When a significant disorder has been left in the function of the nose.

20％

4. Disorder of Mastication and Speech(1) When the function of mastication and speech has been lost completely.

100％(2) When a significant disorder has been left in the function of mastication and speech.

35％(3) When a disorder has been left in the function of mastication and speech.

15％(4) When 5 or more teeth have been chipped and lost.

5％

5. Deformities of Exterior Appearance (meaning the face, head and neck)(1) When significant deformation has been left on the exterior appearance.

15％(2) When deformation has been left on the exterior appearance (meaning such3％

deformation as a cicatrix of 2cm in diameter, or a linear cicatrix of 3cm long).
6. Disorder of the Vertebral Column(1) When a significant deformation or a significant disorder of movement has been left

40％

on the vertebral column.
(2) When a disorder of movement has been left on the vertebral column.

30％(3) When a deformation has been left on the vertebral column.

15％

7. Disorder of the Arm (the wrist joint and above) or the Leg (the ankle joint and above)(1) When one arm or one leg has been lost.

60％(2) When the function of two or three joints of the three major joints in an arm or leg

50％

has been lost completely.
(3) When the function of one joint of the three major joints in an arm or leg has been

35％

lost completely.
(4) When a disorder has been left in the function of one arm or one leg.

5％

8. Disorder of the Fingers(1) When the thumb of one hand has been lost at or above the knuckle(interphalangeal joint).

20％

(2) When a significant disorder has been left in the function of the thumb of one hand.

15％(3) When one of the fingers other than the thumb has been lost at or above the second

8％knuckle (distal interphalangeal joint).
(4) When a significant disorder has been left in the function of one of the fingers other5％than the thumb.
9. Disorder of Toes
(1) When the first toe of one leg has been lost at or above the toe joint (interphalangeal

10％

joint).
(2) When a significant disorder has been left in the function of the first toe of one leg.

8％(3) When one of the toes other than the first toe has been lost at or above the second5％

toe joint (distal interphalangeal joint).
(4) When a significant disorder has been left in the function of one of the toes other3％

than the first toe.
10. In other cases where the traveler is not able to take care of himself/herself for the100％

rest of his/her life due to the significant disorder of his/her body.
Note: The word “above” used in the provisions of items 7 through 9 means the part of the bodycloser to the heart from the joint concerned.

Schedule III (related to Article 8, paragraph 2)

1. The corrected eyesight of both eyes has fallen to 0.06 or below.
2. The function of mastication and speech has been lost.
3. The hearing of both ears has been lost.
4. The function of all the joints of both upper limbs at or above the wrist joint have been lost.
5. The function of one lower limb has been lost.
6. Due to disorders of the internal organs in the chest and abdomen, the coordination of the body islimited mainly to routine actions at home, such as eating and washing the face.
7. Due to disorders of the nervous system or mind, the coordination of the body is limited mainly toroutine actions at home, such as eating and washing the face.
8. Due to a coexisting disorder and other disorders of the above-mentioned parts of the body, thecoordination of the body is limited mainly to routine actions at home, such as eating andwashing the face.
Note: The word “above” used in the provision of item 4 means the part of the body closer to the heartfrom the joint concerned.