1. MORE TH>N Home Choice Product Guide November 2012

2. Introduction This document is designed to give Affiliates a clear and comprehensive guide to all the information they require in order to accurately sell MORE TH>N Home Insurance. All information in this pack is up to date and approved as at 24/09/2012 Approval number: A/1543/2012 Expiry: 31/03/2012 Important note: all caveats must be clearly shown on the same page as the relevant marketing message, as detailed in the following slides and in order for the Product information to remain compliant. Every time there are any changes to the Key Marketing messages and/or Product details, this document will be amended and distributed accordingly.

3. Logos The above are guidelines as to which logo’s should be used by our Affiliate partners.

4. Up to £75K free contents cover when you buy Buildings and Contents Insurance* *Free for the life of your policy unless you make a claim. Excludes optional extras. Subject to continued eligibility. Promotional Messages

5. Home Choice – Why choose us? MORE TH>N Home Choice provides exceptional cover at great value, without cutting corners. Our standard cover includes: Up to £75K free contents cover when you buy Buildings and Contents Insurance* New for old replacement of damaged or stolen goods Up to £7,500 High Risk Items cover including television, jewellery and computers. Alternative Accommodation for contents cover up to £15,000 if your home is uninhabitable Emergency Accommodation up to £30,000 if your home is uninhabitable with Buildings Insurance Home Emergency Assistance, up to £200 included as standard Register for your very own Personal Customer Manager As a customer, you also have access to this exclusive section on the MORE TH>N website. No matter what your interests, you're bound to find something that catches your eye at http://more4me.morethan.com/. There are all kinds of great offers and savings, from big brands such as Virgin Holidays and Littlewoods. *Free for the life of your policy unless you make a claim. Excludes optional extras. Subject to continued eligibility.

6. Home Choice Contents cover Upgraded cover includes £2,000 cover for your trees, shrubs and even your plants MORE TH>N will pay for replacement locks if your keys are lost or stolen (£500 cover limit applies) Protection for your contents you have temporarily moved away from your home (£11,250 cover limit applies) Christmas seasonal increase -increase your sum insured by 10% during December Additional contents cover options Freezer food cover (£150 limit) Personal possessions cover up to £10,000 Bicycle cover up to £500 outside the home Personal money and credit card protection (limits apply)

7. Home Choice Buildings cover Upgrade options MORE TH>N will pay for replacement locks if your keys are lost or stolen (£500 cover limit applies) Additional Buildings cover options Accidental damage cover