华泰财产保险股份有限公司Joint Excess Loss Committee Electronic Date Recognition Endorsement

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华泰财产保险D&O --英文--非报备

HUATAI INSURANCE COMPANY OF CHINA, LIMITED DIRECTORS & OFFICERS LIABILITY INSURANCE POLICYWORDINGIn consideration of the payment of the Premium and in reliance upon all statements made and information furnished to Huatai Insurance Company of China, Limited (“Huatai”), including statements made in the proposal and materials accompanying it, and subject to all terms, conditions, exclusions and limitations of this Policy, Huatai agrees with the Insured(s) and with the Company as follows:1. Insuring AgreementHuatai shall pay on behalf of the Insured(s) all Loss which they are legally obligated to pay, and/or shall pay on behalf of the Company all Loss which the Company is legally required or permitted to pay the Insured(s) as advancements or indemnity under applicable company indemnity laws, rules, regulations or agreements, for any Claim against the Insured(s) for a Wrongful Act, provided the Claim is first made against the Insured(s) during the Policy Period.2. Definitions(a)“Administrative Authority” mean s any national, provincial, local government, orgovernmental or administrative body, agency or commission.(b)“Claim” means any notice received by, the Company, or by the Insured(s) alleged tohave committed a Wrongful Act, of the intention of a person or entity to hold theInsured(s) responsible for the results of any Wrongful Act, including any demandreceived by the Insured(s) for money or services naming the Insured(s) asdefendant(s), or the institution of legal, arbitration or administrative proceedingsagainst the Insured(s).(c)“Company” means the Company shown in Item 2 of the Schedule and anySubsidiary.(d)“Deductible” means the amount shown in Item 5 of the Schedule.(e)“Defence Costs” means reasonable legal fees, costs and expenses incurred by or onbehalf of the Insured(s) with the prior written consent of Huatai (but shall notinclude wages, salaries or other remuneration of the Insured(s) or of anyemployee of the Company) which are necessary to defend or appeal a Claimcovered by this Policy.(f)“Discovery Period” means the period of 12 months referred to in Clause 3(f) whichshall run from the date this Policy expires.(g)“Employment Practice Liability” means, with respect to any past, present orprospective employee of the Company, any actual or alleged:(1)employment-related sexual or other unlawful harassment;(2)termination of employment which is against the law;(3)employment-related unlawful discrimination;(4)employment related denial of justice;(5)false or misleading advertising or representation involving terms orconditions of employment with the Company;(6)employment-related defamation;(7)failure to employ, promote or grant tenure;(8)unfair deprivation of career opportunity;(9)unfair discipline or evaluation of employment performance;(10)failure to provide or adhere to adequate employment policies orprocedures;(11)violation of any laws or regulations governing employment practices;(12)breach of employment contract;(13)employment-related invasion of privacy.(h)“Insured(s)” means all natural persons who were, now are or shall be director s,supervisors, officers, company secretaries or employees (but only where such employees are acting in a managerial capacity) of the Company.The term Insured(s) shall also include:(1)the lawful spouses of all directors, supervisors, officers, companysecretaries or employees (but only where such employees are acting in amanagerial capacity) of the Company;(2)the estates, heirs or legal representatives of deceased persons who weredirectors, supervisors, officers , company secretaries or employees (butonly where such employees are acting in a managerial capacity) of theCompany at the time of the Wrongful Act upon which the Claim is based;(3)the legal representatives of directors, supervisors, officers, companysecretaries or employees (but only where such employees are acting in amanagerial capacity) of the Company in the event of incompetency,insolvency or bankruptcy;The term Insured(s) shall not include:(1) a receiveror or a liquidator;(2)an official manager;(3)an external auditor;(4) a trustee or administrator of any occupational pension scheme oremployment benefit programmes.or any employee(s) of such person(s).(i)“Investigation” means any investigation, inquiry, public examination, commissionor prosecution, criminal or otherwise;(j)“Loss” means any da mages, judgments, settlements and Defence Costs. Loss shall not include fines or penalties imposed by law, punitive or exemplary damages, taxes, any amount for which the Insured(s) is not legally liable or any matter deemed uninsurable under the law. Damages, judgments, settlements and Defence Costs incurred with respect to more than one Claim against the Insured(s), but resulting from a single Wrongful Act shall constitute a single Loss.(k)“Non-Profit Organisation” means any corporation, institution, associ ation, trust, fund or foundation established for any social, community, charitable or industry purpose to provide services or benefits to its members and not for the purpose of making profits.(l)“Outside Directorship” means the position held by the Insured(s) in an Outside Organisation with the knowledge and consent and at the request of the Company.(m)“Outside Organisation” means any company or organisation, other than the Company, in which an Outside Directorship is held.(n)“Policy” means:(1)the Insuring Agreement, the Definitions, the Extensions, the Exclusions,the Conditions and all other terms contained herein;(2)the Proposal and any attachments thereto;(3)any Endorsement attaching to and forming part of this Policy either atcommencement of the Policy Period or during the Policy Period.(o)“Policy Period” means the period of time shown in Item 3 of the Schedule of this Policy.(p)“Premium” means the premium shown in Item 6 of the Schedule and any additional premium shown in any Endorsement attaching to and forming part of this Policy. (q)“Subsidiary” means any company, including any company held directly or indirectly through one or more Subsidiaries, in which, at the inception of the Policy Period:(1)the Company:(a)controls the composition of the Board of Directors; or(b)controls the voting power at any general meeting; or(c)holds more than 50% of the issued share capital; and(2)the accounts are consolidated with the accounts of the Company inaccordance with professionally accepted Accounting Standards for theconsolidation of accounts applicable in the country in which this Policywas issued.(r)“Wrongful Act” means any actual or alleged act, error, omission, breach of duty, misstatement or misleading statement by the Insured(s) while acting in theircapacity as Insured(s) of the Company or of any Outside Organisation to whichthe Outside Directorship Extension applies.3. ExtensionsThe following Extensions, which are automatically included in this Policy, are subject to all of the terms, conditions, exclusions and. limitations of this Policy. These Extensions do not increase the Limit of Liability unless Huatai otherwise agrees in writing.(a)Advancement of Defence CostsHuatai shall pay Defence Costs on behalf of the Insured(s) on an ongoing basisprior to the final payment or settlement of any Claim PROVIDED THAT:(1)such Defence Costs are incurred with the prior written consent of Huatai;(2)such advance payments by Huatai shall be repaid to Huatai in the eventthat the Insured(s) shall not be entitled to payment of any Loss or receiptof any benefit under this Policy.(b)Investigations, Inquiries, Prosecutions (Criminal Or Otherwise)Huatai shall pay on behalf of the Insured(s) on an ongoing basis prior to the finalpayment or settlement of any Claim all reasonable legal fees, costs and expensesincurred in being legally represented at any Investigation PROVIDED THAT:(1)the Investigation involves an allegation that the Insured(s) committed aWrongful Act;(2)the allegation is first made against the Insured(s) during the Policy Period;(3)such legal fees, costs and expenses are incurred with the prior writtenconsent of Huatai;(4)this Extension does not cover any fines or penalties imposed by law;(5)this Extension does not cover wages, salaries or other remuneration of theInsured(s) or of any employee of the Company;(6)such advance payments by Huatai shall be repaid to Huatai in the eventthat the Insured(s) shall not be entitled to payment of any Loss or receiptof any benefit under this Policy.(c)Acquisition Creation Sale or Dissolution of SubsidiariesIf during the Policy Period the Company acquires or creates a Subsidiary that:(1)increases the Company’s total assets by no greater than 10% based on theCompany’s latest annual report; and(2)is domiciled outside of the United States of America or Canada,then the Insured(s) of such Subsidiary shall be automatically covered by this Policy for Claims for Wrongful Acts committed or alleged to have been committed on or after the effective date of such acquisition or creation, and no notice needs to be given to Huatai relating to the acquisition or creation of such Subsidiary and no additional premium shall be paid relating to this extended cover.If during the Policy Period the Company acquires or creates a Subsidiary that either increases the Company’s assets by more than 10%, or is domiciled in the United States of America or Canada, and written notice of such acquisition or creation is given to Huatai as soon as practicable, and the Company agrees to pay any additional premium required and agrees to any amendments to the Policy required by Huatai relating to such Subsidiary, then the Insured(s) of such Subsidiary shall be covered by this Policy for Claims for Wrongful Acts committed or alleged to have been committed on or after the effective date of such acquisition or creation.If during the Policy Period the Company acquires or creates a Subsidiary, and if the Insured(s) require cover for Claims for Wrongful Acts committed or alleged to have been committed prior to the effective date of such acquisition or creation, Huatai may at its discretion, and subject to the payment of an appropriate additional premium, agree to provide such cover after presentation and consideration of a complete proposal and all necessary information.If the Company effects a sale or dissolution of a Subsidiary, cover under this Policy shall apply to any person who was an Insured(s) of that Subsidiary prior to the sale or dissolution PROVIDED THA T cover shall only apply for or in respect of Claims for Wrongful Acts committed or alleged to have been committed prior to the effective date of sale or dissolution.(d)Continuous CoverNotwithstanding Exclusions 4(b), (c) and (d), and in the absence of fraudulent non-disclosure, this Policy extends to cover the Insured(s) for any Claim, and for any Wrongful Act which may give rise to a Claim, which should or could have been notified to Huatai under any other preceding directors and officers liabilityinsurance policy issued by Huatai and which is notified during the Policy Period, PROVIDED THAT:(1)Huatai has been the insurer pursuant to any other preceding directors andofficers liability insurance policy continuously between the date whensuch notification should have been given and the date when notificationwas in fact given;(2)the terms, conditions and limits of this Policy shall not apply to thisExtension, which shall be subject to the terms, conditions and limits of thepreceding Huatai directors and officers liability insurance policy whichapplied at the date on which such notification should have been given. (e)Outside DirectorshipsFor the period during which the Outside Directorship is held this Policy covers:(1)Outside Directorships in any Outside Organisation listed in the Schedule ofOutside Directorships attached to this Policy; and(2)Outside Directorships in Non-Profit Organisations.Cover for any other Outside Directorships is subject to:(3)receipt of the most recent annual reports and audited financial statementsfor each Outside Organisation proposed;(4)receipt of details of any Directors and Officers Liability Insurance Policyheld by or on behalf of the Outside Organisation or its directors,supervisors, officers, company secretaries and employees;(5)receipt of any other information which Huatai may require;(6)acceptance by Huatai in writing of each Outside Directorship.If during the Policy Period the Insured(s) ceases to hold an Outside Directorship the cover provided by this Policy for such Outside Directorship shall continue, PROVIDED THAT the Claim for Loss arises from a Wrongful Act which occurred prior to the Outside Directorship ceasing.The cover provided by this Policy for Outside Directorships does not extend to cover:(7)any Outside Organisation in which the Outside Directorship is held or anyother director, supervisor, officer, company secretaries and employee ofsuch Outside Organisation;(8)any claim made against the Insured(s) the Outside Organisation or any ofits directors, supervisors, officers, company secretaries and employees;(9)Loss with respect to which insurance cover is available pursuant to anyunderlying policy listed in the Schedule of Outside Directorships attachedto this Policy.(f)Discovery PeriodIf Huatai refuses to renew this Policy, the Company and/or the Insured(s) mayupon payment of an additional 50% of the full annual premium extend the coverunder this Policy for a period of 12 Months which shall run from the date thisPolicy expires, for any Claim first made against the Insured(s) during theDiscovery Period and notified in writing to Huatai during the Discovery Period,but only in respect of Wrongful Acts committed or alleged to have beencommitted before the date of expiration of the Policy Period.The right of the Company and/or the Insured(s) to exercise the Discovery Periodmust be by notice to Huatai in writing within 30 days of expiration of the PolicyPeriod and the Company shall elect equally to exercise its right (if any) to thisextension of cover under any directors and officers insurance policy issued inrespect of the same Policy Period.The right to exercise the Discovery Period does not apply in the event ofcancellation of this Policy. Huatai’s offer of renewal terms, conditions, limits ofliability or premium different from those of the expiring policy shall not constitutea refusal to renew.4. ExclusionsHuatai shall not be liable to make any payment for Loss in connection with any Claim made against the Insured(s) or any payment in connection with any Investigation involving an allegation made against the Insured(s), in either case based on, arising from or attributable to:(a)(1) fraudulent, dishonest or criminal acts of the Insured(s) if such acts arefound by any Court or Administrative Authority to be fraudulent,dishonest or criminal;(2) any personal profit or advantage gained in fact by the Insured(s) to whic hsuch Insured(s) was not legally entitled.(b)any litigation or other proceedings begun before the prior and pending litigationdate shown in Item 7 of this Policy or alleging the same or essentially the samefacts alleged in prior or pending litigation.(c)any fact, circumstance, act, omission. or claim of which notice has been given underany policy existing or expired before or on the inception date of this Policy.(d)any fact, circumstance, act or omission which may give rise to a claim and of whichthe Company or the Insured(s) are aware prior to the inception of this Policy.(e)any Claim brought by or on behalf of the Insured(s) or the Company other than anyClaim:(1)arising from an Employment Practice Liability;(2)instigated by a shareholder or group of shareholders of the Company in thename of the Company without the participation, solicitation or assistanceof any Insured(s) or the Company;(3)instigated by a receiver or a liquidator without the participation, solicitation,or assistance of the Insured(s) or the Company;(4)for contribution or indemnity, if the Claim for contribution or indemnitydirectly results from a Claim which is covered under this Policy.(f)any Claim brought against any person acting in the capacity:(1)as trustee or administrator of a superannuation scheme; or(2)as external auditor.(g)(1) any injury, damage, expense, cost, loss, liability or legal obligation in anyway related to pollution however caused including shareholder orderivative Claims arising from or attributable to such pollution. Pollutionincludes the actual, alleged or potential presence in or introduction into theenvironment of any substance, if such substance has, or is alleged to have,the effect of making the environment impure, harmful or dangerous.Environment includes any air, land, structure or the air therein,watercourse or water, including groundwater; or(2) the hazardous properties of nuclear or radioactive material.(h)any Claim for:(1)bodily injury, sickness, disease, death or emotional distress of any person,provided however that any Claim for emotional distress shall not beexcluded with respect to any actual or alleged Employment PracticeLiability; or(2) damage to or destruction of any tangible property including loss of use ofsuch property.5. Conditions(a)AllocationsIf a Claim against the Insured(s) includes causes of action against uninsureddefendants, allegations of uninsured damages, uninsured acts or other uninsuredmatters, Huatai, the Company and the Insured(s) agree to use their best efforts toagree upon a fair and proper allocation of defence costs, settlements and damagesbetween Huatai, the Company and the Insured(s).(b)AssignmentThis Policy and any rights hereunder may not be assigned without the written consent of Huatai.(c)Claims, Circumstances or Investigations - NotificationsThe Company and the Insured(s) shall give written notice to Huatai as soon as practicable of(1)any Claim first made during the Policy Period;(2)any facts or circumstances of which they shall first become aware duringthe Policy Period which may give rise to a Claim;(3)any notice first received during the Policy Period of any Investigation(s),but in no event later than 45 days after this Policy expires, or, in the case of Claims first made, facts and circumstances of which the Company and/or the Insured(s) shall first become aware and notice(s) of any Investigation(s) first received during the Discovery Period, if applicable, no later than 45 days after the Discovery Period expires. Notice and all information regarding a Claim, a circumstance that may result in a Claim or an Investigation shall be sent in writing to Huatai at [insert address] or by facsimile to [insert facsimile number].The Company and the Insured(s) shall give Huatai such information and cooperation as it may reasonably require to enable Huatai to investigate and determine both its liability under this Policy and the extent of the Insured(s’) actual or potential liability for any Claim or arising from any facts or circumstances which may give rise to a Claim.If during the Policy Period or Discovery Period, if applicable, the Insured(s) shall become aware of an actual or alleged Wrongful Act which may subsequently give rise to a Claim and during such period gives immediate notice to Huatai of such Wrongful Act, any Claim later made against the Insured(s) arising out of that Wrongful Act shall, for the purposes of this Policy, be treated as a Claim made during the Policy Period or Discovery Period, if applicable, in which such notice was first given. Notice of such Wrongful Act must contain a specific description of the actual or alleged Wrongful Act, state by whom it was committed or alleged to have been committed, and describe the material facts or circumstances which may give rise to a Claim.(d)Claims - Defence & SettlementNeither the Company nor the Insured(s) shall admit liability for or settle any Claim or incur Defence Costs without Huatai’s prior written consent, which consent shall not be unreasonably withheld.Huatai shall at all times have the right but not the duty to associa te in the investigation, defence or settlement of any Claim to which this Policy may apply.Huatai shall at all times have the right but not the duty to assume conduct in thename of the Insured(s) of the defence or settlement of any Claim or any claim for contribution or indemnity against any person or entity with respect to which the Insured(s) may have rights.Huatai and the Insured(s) shall not be required to contest any Claim unless a lawyer (to be mutually agreed upon by Huatai and the Insured(s)) shall advise that the Claim should be contested. The lawyer shall take into consideration the economics of the Claim, the damages and costs which are likely to be recovered by the plaintiff, the Defence Costs which will be incurred in contesting the Claim and the prospects of the Insured(s) successfully defending the Claim. The costs of obtaining such opinion from the lawyer shall be paid by Huatai as part of the Defence Costs. Should the lawyer advise that in all the circumstances the Claim should not be contested but should be settled Huatai and the Insured(s) shall not object to or oppose settlement of the Claim within the limits advised by the lawyer as being reasonable.(e)ConfidentialityThe Company or the Insured(s) may disclose that it has paid or agreed to pay a premium in respect of a contract insuring the Insured(s) against a liability.The Company or the Insured(s) shall not, without Huatai’s prior written consent, otherwise disclose the existence of or the terms of this Policy, including but not limited to the identity of Huatai, the limit of liability and the premium, unless required to do so by law.(f)DeductibleThe Company shall pay the Deductible for all Loss resulting from each Claim.Huatai shall have no obligation to pay Loss until the Insured(s) o r the Company have incurred Loss in the amount of the Deductible if applicable, except that, if the Company is unable to pay the amount of the Deductible due to insolvency then, subject to all other terms and conditions of this Policy, Huatai shall pay suc h Loss.If two or more Claims are made against any Insured(s) arising out of a single Wrongful Act, or out of a series of related Wrongful Acts, the Claims shall be treated as a single Claim for the purpose of applying the Deductible. This single Claim will be treated as if it was first made during the Policy Period at the earlier of:(1)when the earliest Claim was first made, or(2)when the earliest circumstance giving rise to a Claim was notified.The Deductible shall apply to all Loss for which advancement or indemnification by the Company is required or permissible under company indemnification laws, rules, regulations or agreements regardless of whether or not the Company actually advances or indemnifies the Insured(s) for such Loss.The amount of any Deductible payable will be calculated after deduction of any tax credit that is or may be available to the Company for payment of the Deductible.(g)Limit of LiabilityThe amount shown in Item 4 of the Schedule is Huatai’s maximum aggregate liability for all Loss including Defence Costs, arising from all Claims first made against the Insured(s) during the Policy Period and the Discovery Period if applicable.Two or more Claims arising out of a single Wrongful Act or a series of related Wrongful Acts shall be treated as a single Claim. All such Claims shall be treated as if first made during the Policy Period or Discovery Period at the earlier of:(1)when the earliest Claim was first made, or(2)when the earliest circumstance giving rise to a Claim was notified.(h)Loss MitigationThe Company and the Insured(s) shall, at their own cost, use due diligence and do and concur in doing all things reasonably practicable to avoid, or diminish any Loss under this Policy.(i)Non-Executive DirectorsIn the event that Huatai is entitled to avoid this Policy from inception, or from the time of any variation in cover, due to non-disclosure or misrepresentation by the Insured(s), Huatai shall maintain cover for non-executive directors who are Insured(s) under this Policy until the expiry date of the Policy Period. Provided that such non-executive directors are able to establish to the satisfaction of Huatai that they are innocent and free from all such fraudulent conduct, non disclosure, misrepresentation or intent to deceive. Any return of premium or amendment to the terms of this Policy shall be at the discretion of Huatai.(j)Other InsuranceUnless otherwise required by PRC laws, this Policy shall apply only as excess over any other valid and collectible insurance. However, if a Loss is not covered by the other insurance but would be covered under this Policy, this is hereby agreed that this Policy would drop down and serve as the primary policy.(k)Governing LawThis Policy shall be governed by and interpreted in accordance with the laws of the Peopl e’s Republic of China.The parties to this Policy shall choose one of the following methods to resolve any dispute in connection with this Policy:(1)Any dispute arising out of the performance of or in connection with thisPolicy shall be resolved through consultations in good faith. If thedispute cannot be resolved through such consultations, the dispute shall:(a)Where the party(ies) other than Huatai is a PRC citizen or entity, besubmitted to the China International Economic and Trade ArbitrationCommission in Beijing for arbitration in accordance with theFinancial Disputes Arbitration Rules administered by CIETAC at thetime of the arbitration; and(b)Where the party(ies) other than Huatai is not a PRC citizen or entity,be submitted to the Hong Kong International Arbitration Centre (the“HKIAC”) for arbitration in accordance with the UNCITRALArbitration Rules administered by the HKIAC at the time of thearbitration, or be submitted to the China International Economic andTrade Arbitration Commission in Beijing for arbitration inaccordance with the Financial Disputes Arbitration Rulesadministered by CIETAC at the time of the arbitration; or(2)Any dispute arising out of the performance of or in connection with thisPolicy shall be resolved through consultations in good faith. If thedispute cannot be resolved through such consultations, the dispute shall besubmitted to the PRC courts for litigation in accordance with relevant lawsand regulations.(l)Representation and SeverabilityHuatai has relied upon the statements made in the proposal, the supplementary proposal(s) if any, and materials accompanying them in granting cover under this Policy. All such statements and materials form the basis of the contract of insurance.The proposal(s) shall be construed as separate proposal(s) by each of the Insured(s) and, with respect to statements made and particulars provided in the proposal(s), no such statements or particulars, and no information possessed by the Insured(s), shall be imputed to any other Insured(s) to determine whether cover is available for any Claim against such other Insured(s).(m)SubrogationIn the event Huatai makes any payment under this Policy, Huatai shall be subrogated to all rights of recovery of all Insured(s), and the Insured(s) shall fully cooperate with Huatai in securing such rights, including but not limited to the execution of any documents necessary to enable Huatai to effectively bring suit in the name of the Company or the Insured(s).(n)Takeovers and MergersIf during the Policy Period the Company merges with or consolidates into another。

董(监)事及高级职员责任保险条款

华泰财产保险股份有限公司董（监）事及高级职员责任保险条款（如遇争议，以英文条款为准）鉴于本保险合同承保明细表中列明的投保人/被保险公司或被保险人向华泰财产保险股份有限公司（以下简称“华泰”）提交投保单和有关资料（该投保单及其所附资料中的陈述被视为本保险合同的有效组成部分），并向华泰缴付保险合同保险费，华泰同意按本保险合同的条款、条件、除外责任和责任限额的约定负责赔偿在本保险合同承保明细表中列明的保险期间内被保险人依法对第三者应承担的经济赔偿责任。

1.保险责任在保险期间内，被保险人因本保险合同承保的不当行为而首次被他人提出赔偿请求，被保险人由此依法应负经济赔偿责任时，华泰同意依照本保险合同的约定对被保险人负赔偿责任。

被保险公司如根据有关公司补偿的法律、法规、规则或协议必须先行支付或赔偿被保险人的损失时，华泰对被保险公司的相应损失也负赔偿责任。

2. 定义(a) 行政机关指任何国家、省级或地方政府，政府性或行政性机构、机关或委员会。

(b) 赔偿请求指被保险公司或被指控实施不当行为的被保险人收到任何个人或组织要求被保险人应对其不当行为的结果承担责任的通知，包括被保险人收到将被保险人列为被告而要求其支付金钱或履行义务的请求、或针对被保险人的法律、仲裁、或行政程序。

(d) 免赔额指保险合同承保明细表第（五）项所载的金额。

(e) 抗辩费用指经华泰事先书面同意，由被保险人或为被保险人利益而支出的为本保险合同所承保的赔偿请求进行抗辩或上诉所必需且合理的律师费、成本和支出（但不应包括被保险人及被保险公司雇员的工资、薪水或其它任何报酬）。

(f) 发现期间指第三条（f）款中应于本保险合同期限届满后立即起算的12个月期间。

(g) 雇佣行为责任指与被保险公司任何过去、现在或将来的雇员有关的任何事实的或被指控的下列责任：(1) 与雇佣有关的性骚扰或其他非法骚扰；(2) 非法的终止雇佣关系；(3) 与雇佣有关的非法歧视；(4) 违反与雇佣有关的公平公正原则；(5) 涉及被保险公司雇佣条款的不真实或误导性的广告或陈述；(6) 与雇佣有关的诽谤；(7) 不予雇佣、升迁或授予职位；(8) 不公平的剥夺职业发展机会；(9) 不公平的公司规章制度或不公平的工作绩效评估；(10) 未提供或遵循适当的雇佣政策或程序；(11) 违反任何规范雇佣行为的法律或法规；(12) 违反雇佣合同；(13) 与雇佣有关的侵犯隐私。

华泰财产保险有限公司简介

华泰财产保险有限公司简介
华泰财产保险有限公司（以下简称“华泰财险”）是华泰保险集团股份有限公司全资设立的子公司。

2011年7月，经中国保监会批准注册成立，注册资本金30亿元人民币，注册地为上海。

公司成立后承接了华泰保险集团财产险及责任险业务与机构网络，目前在全国百余
座城市设有180多家分支机构，经营范围涵盖财产损失险、责任险、水险、意外伤害险、健康险、能源险、艺术品险、取消险等保险业务。

长期以来，华泰财险坚持走“集约化管理、专业化经营、差异化竞争、质量效益型发展”道路，持续加强产品与渠道创新，优化运营环节，提升客户体验，历经18年的发展和探索，已成为业界一家拥有一流承保能力及承保经验、领先产品研发与渠道创新能力、全面风险管控能力、高效理赔服务体系与服务水平、业绩连年实现稳健成长、品牌形象与社会声誉良好的保险公司。

着眼未来，华泰财险将继续以集团为依托，“推转型、稳效益、促发展”，追求“专注、专业、效能”，培育差异化竞争优势，全面深化改革寻求突破，推动公司脱颖而出；确立细分市场领导者地位，努力实现“专业化、国际化、高品质”金融保险服务企业的战略目标。

华泰财产保险股份有限公司协会解约通知、保险自动终止及战争、核风险除外条款

华泰财产保险有限公司协会解约通知、保险自动终止及战争、核风险除外条款本条款为首要条款，本保险中任何与本条款不一致的约定，应以本条款为准。

1.解约被保险人或被保险人可提前7日通知解除承保战争等风险的保险（保险人发出或收到解除通知之日零时起7日后解除生效）。

但保险人同意当保险人与被保险人在解除通知到期之日前就新的保险费率与条款保证达成协议的，保险重新生效。

2.保险自动解除无论是否发出解约通知，当面临战争等风险时，本保险自动解除。

2.1当下列国家间爆发战争时（无论宣战与否）：英国、美国、法国、俄罗斯、中国2.2本保险项下的任何船舶为所有权或使用权而被征用。

3.五大国战争与核风险除外责任本保险不承保下列风险：3.1下列事项导致的损失、损害、责任或费用：3.1.1战争爆发，无论是否宣战或在下列国家间爆发：英国、美国、法国、俄罗斯、中国3.1.2 无论为所有权或使用权的征用3.2 直接或间接由下列事项导致的损失、损害、责任或费用：3.2.1任何核燃料、核废料或核燃料燃烧所生的电离辐射或辐射污染3.2.2任何核设施、反应器或其他核子装置或其核组件的辐射、毒素、爆炸或其他危害或污染物质3.2.3任何使用原子或/和裂变、聚变或其他类似反应或辐射力或辐射物质之武器或设备。

INSTITUTE NOTICE OF CANCELLATION,AUTOMATIC TERMINATION OF COVER AND WAR AND NUCLEAR EXCLUSIONS CLAUSE –HULLSThis clause shall be paramount and shall override anything contained in this insurance inconsistent therewith1 CancellationCover hereunder in respect of the risks of war, etc. may be cancelled by either the Underwriters or the Assured giving 7 days notice (such cancellation becoming effective on the expiry of 7 days from midnight of the day on which notice of cancellation is issued by or to the Underwriters). The Underwriters agree however to reinstate cover subject to agreement between the Underwriters and the Assured prior to the expiry of such notice of cancellation as to new rate of premium and/or conditions and/warranties.2 Automatic Termination of CoverWhether or not such notice of cancellation has been given cover hereunder in respect of the risks of war, etc, shall TERMINA TE AUTOMA TICALL Y2.1 upon the outbreak of war (whether there be a declaration of war or not) between any of the following:United Kingdom, United States of America, France, the Russian Federation, the People’s Republic of China;2.2 in respect of any vessel, in connection with which cover is granted hereunder, in the event of such vessel being requisitioned either for title or use.3 Five Powers War and Nuclear ExclusionsThis insurance excludes3.1 loss damage liability or expense arising from3.1.1 the outbreak of war, whether there be a declaration of war or not between any of the following:United Kingdom, United States of America, France, the Russian Federation, the People’s Republic of China;3.1.2 requisition either for title or use3.2 loss damage liability or expense directly or indirectly caused by or arising from3.2.1 ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel3.2.2 the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof3.2.3 any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.。

(金融保险)华泰财产保险股份有限公司概况

华泰财产保险股份有限公司二〇〇三年概况一、公司概况华泰财产保险股份有限公司是中国第一家全国性股份制财产保险公司，1996年8月29日在北京开业，注册资本金13.33亿元人民币。

公司60余家发起股东多为实力强、规模大、效益好的大型企业和企业集团，覆盖了石油、电力、冶金、电子、化工、航空、建筑、轻工、船舶等24个行业，股东总资产超过1万亿人民币。

华泰保险公司财务基础雄厚，偿付能力充足，专业技术和风险防范意识领先，为国内外数十万客户提供了值得信赖的保险服务。

华泰是国内首家外资参股的财产保险公司，美国ACE保险集团作为公司重要股东和战略合作伙伴，为公司提供了多方面的支持和协助，使华泰的管理技术和经营水准向国际化标准靠拢。

华泰保险公司在全国26个城市设有分支机构，形成了面向全国的经营布局。

二、发展战略公司根据“专业化经营，质量效益型发展”的战略方针，努力调整险种结构，改善业务质量，拓展目标市场，培育目标客户。

面对日益激烈的市场竞争环境，坚持科学的发展观，依靠创新把公司做大做强。

公司通过外资参股，进一步优化了股权结构，引进了先进的管理理念和技术、资金、人才等战略资源，在承保选择、风险管控、量化管理以及快速实施等方面，开始形成新的竞争优势，并且将在产品、销售渠道、服务和管理等方面加强创新，进一步提高公司管理水平和竞争能力。

按照专业化分工、个人负责制和扁平化管理的原则，华泰逐步建立并完善了新的保险业务管理架构。

公司加强了对分支机构的管控力度，在核保、理赔、财务、人事、信息技术等方面实行垂直化管理。

在一些增长潜力大的业务领域，公司还将通过建立事业部的方式，整合业务资源，协调步伐，加快发展速度。

在巩固和发展现有财产保险和投资业务的基础上，公司积极筹备成立寿险公司和保险资产管理公司，朝着建立金融保险集团的方向发展。

三、经营业绩华泰保险公司自成立以来，保险业务稳健经营，健康发展；投资业务经营业绩突出，在业内居领先地位；公司保持着稳定的盈利和分红水平，为股东提供满意的投资回报。

华泰财产保险股份有限公司个人托运行李损失保险条款

华泰财产保险有限公司个人托运行李损失保险条款保险合同构成第一条本保险合同（以下简称本合同）由保险单及其他保险凭证、所附条款、投保单等与本合同有关的投保文件、合法有效的声明、批注、附贴批单、其他书面协议构成。

保险标的第二条保险标的为持有本合同约定的航空公司航班机票的乘客所托运的个人行李内的物品。

投保人和被保险人第三条被保险人为在本合同约定的航空公司航班机票上列明的乘客。

第四条投保人为被保险人本人或受被保险人委托购票并实际支付保险费的一方。

保险责任第五条在保险期间内，自保险行李经承运人收讫并签发托运凭证时起至被保险人离开本次运输工具并从承运人处领取到或应当领取到行李时止，因发生下列原因之一造成保险行李内物品的直接损失，保险人负责赔偿：1）飞机遭受碰撞、倾覆、坠落、失踪（在三个月以上），在危难中发生卸载以及遭受恶劣气候或其他危难事故时发生抛弃行为所造成的损失；2）行李遭受震动、碰撞、挤压而造成行李的破碎、弯曲、凹瘪、折断、开裂；3）行李遭受雨淋；4）由于非包装不善原因的包装破裂所致的行李内物品的散失；5）行李遭受外来的、有明显痕迹的盗窃；6）行李丢失。

责任免除第六条因下列原因造成保险行李内物品的损失，保险人不承担赔偿责任：（一）战争、敌对行动、军事行为、武装冲突、罢工、骚乱、暴动、恐怖活动；（二）行政行为或司法行为，包括但不限于海关或其他政府机关的没收、扣留、隔离、检疫、征收或销毁行为；（三）行李内物品的自然损耗、本身的缺陷和自然特性；（四）在保险责任开始前，行李内物品已存在的品质不良或数量短差；（五）因包装不善导致的行李内物品的散失或损毁；（六）被保险人的故意行为或违法犯罪行为；（七）被保险人行李内物品所造成的其他行李内物品的损失；（八）被保险人因领取行李凭证遗失而被冒领造成的损失。

第七条行李的外在包装、旅行箱本身的破损以及其他不属于保险责任范围内的损失，保险人不负责赔偿。

保险金额、保险费与免赔额（率）第八条保险金额由投保人、保险人双方约定，并在保险单中载明。

华泰财产保险股份有限公司Institute Time Clauses-Hulls Disbursements And Increased Value

华泰财产保险有限公司协会船舶营运费用和增值定期保险条款一、航行1、保险船舶在任何时候按本保险的各项规定承保，允许在有或没有引航员的情况下开航或航行、试航、和协助、拖带遇难船舶，但保证保险船舶不得被他船拖带，除非是习惯性的或需要协助拖至第一安全港口或地点，也不得根据被保险人、船东、船舶管理人和/或租船人事先安排的合同从事拖带或救助服务，但本款不排除与装卸有关的习惯拖带。

2、保险船舶用于在海上将货物从本船装卸到另一条船或从另一条船装卸到本船的商业行为（不包括另一在港内的船或近岸的小船），由于此种装卸作业，包括两船驶近、并排停靠和驶离，造成保险船舶的损失或损害以及对他船的责任，本保险不负责赔偿，除非船舶在从事这种作业前，已事先通知了保险人，并且双方同意了修改的承保条件和增加保险费。

3、如果保险船舶的开航（不论有无载货）旨在（a）拆船或（b）为拆船而出售，那么对保险船舶在如此开航后发生的任何损失或损害，保险人不负责赔偿，除非已事先通知了保险人，并已同意了修改承保条件、保险价值和保险人要求的保险费。

二、延续本保险期满时，如果保险船舶尚在海上，或在避难中，或在避难港，或在中途港，那么只要事先通知保险人，并按月比例支付超期保险费后，本保险继续负责承保至抵达其目的港为止。

三、违反保证当任何有关货物、航线、船位、拖带、救助服务或开航日期的保证被违反时，若被保险人接到消息后迅速通知保险人，并同意修改承保条款和加付所需的保险费，则保险仍然有效。

四、终止本保险的任何条款，不论是手写的、打印的还是印刷的，若与本条相抵触时，均以本条为准。

除非保险人有书面同意相反的规定外，本保险在下列情况下自动终止：1、保险船舶的船级社变更，或者其船级变更、暂停、中止、撤回或期限届满时，但如果船舶尚在海上航行，该自动终止可延迟至船舶抵达下一个港口时。

然而，如果此种船级变更、暂停、中止或撤回是由本保险第6条承保的损失或损害造成的，或者是由根据现行协会船舶战争险和罢工险定期承保条款承保的损失或损害引起的，此种自动终止仅于船舶未经船级社事先同意在下一港口开航时才发生效力。

华泰财产保险有限公司_企业报告(业主版)

企业基本信息
单位名称: 营业范围：
华泰财产保险有限公司许可项目：保险业务。（依法须经批准的项目，经相关部门批准后方可开展经营活动，具体经营项目以相关部门批准文件或许可证件为准）
一、采购需求
1.1 总体指标
近 1 年(2022-09~2023-08)：
项目数(个)
30
同比增长：1400.0%
项目总金额(万元)
中标金额（万元）公告时间
5
中国证券监督管理委员会北京监管局汽车保险项目
DD22122910229820_ioQodc.pdf
6
中国证券监督管理委员会北京监管局汽车保险项目
DD22122910189820_StBAyD.pdf
7
中国证券监督管理委员会北京监管局汽车保险项目
DD22122910239820_ddFSUX.pdf
4 中国证券监督管理委员会北京监管局汽车保险项目
中标单位
本报告于 2023 年 08 月 21 日生成
6/21
中标金额（万元）公告时间
\
2022-12-29
\
2022-12-29
\
2022-12-29
\
2022-12-29
序号
项目名称
DD22122910179820_wxoXas.pdf
中标单位
本报告于 2023 年 08 月 21 日生成
2/21
1.4 行业分布
近 1 年华泰财产保险有限公司的招标采购项目较为主要分布于保险服务行业，项目数量分别达到 30 个。其中保险服务项目金额较高，分别达到 0.00 万元。近 1 年(2022-09~2023-08)：
1.4.1 重点项目

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华泰财产保险有限公司
联合超赔委员会电子数据识别协议C
即使有任何与本条款不符的任何手写或打印的约定，本条款仍具有优先效力。

1.本合同不承担直接或间接由下列事项导致的损失、损害、责任或费用：
(a)无论其是否由被保险人所有，任何计算机或电子设备或其部件、系统、软件
或嵌入式编程的实际或预期的失败；
(i)正确地指定正确的日、星期、年与世纪
(ii)正确地确认序列与计算任何1998年12月31日后的日期
(iii)按照已完成的工作持续运行正确的日期和其他与在1999年1月1日前已运行的功能相关的日期
(b)在数据软件或嵌入式编程中使用任何武断的、不清楚的或不完全确定的日期
或日期式的密码；
(c)任何采取的为防止或减少上述事项的预防性、弥补性或其他措施。

2.尽管有上述1. (a) 和1. (b)的规定，本合同可扩展至包括：
(a)有形财产物理灭失或损害导致的灭失或损害
(b)事实或宣称的人身损害
(c)若灭失、损害或责任在原保单或合同的条款、条件和除外责任中，他人所有的
有形财产的物理灭失或损害及由此导致的对其使用上的灭失或损害。

3.根据上述第二条，有形产品不应包括：
(a)任何储存或运输中的数据和嵌入式编程
(b)（b）任何电脑、电子设备或其部分、系统或软件，除非当此财产成为被保险
货物或船舶设备的一部分，此船舶设备与所请求的损失或损害直接或间接有
关或导致此损失或损害的。

4.本条款不包括仅赔偿第1条事项所致损失的合同项下的损失、损害、责任或费用。

5.在计算本合同下的净损失时，被再保险人不得将任何本协议中的相关事项视为损失
累计的基础，或原因。

JOINT EXCESS LOSS COMMITTEE ELECTRONIC DATE RECOGNITION
ENDORSEMENT C
This endorsement shall prevail notwithstanding any provision whether written typed or printed in this contract inconsistent herewith
This contract does not cover loss, damage, liability or expense arising from or in anyway connected, whether directly or indirectly, with;
(a) the actual or anticipated failure or inability of any computer or electronic device or component or system or software or embedded programming, whether or not belonging to or in the possession of the direct Assured;
(ⅰ) correctly and unambiguously to assign any date to the correct day, week, year or century. (ⅱ) correctly to recognize sequence or compute any date which is or is intended to be beyond 31 December 1998.
(ⅲ) to continue to operate as it would have done had its current date ,the true date and any other date relevant to any function being carried out by it been prior to 1 January 1999;
(b) the use of any arbitrary, ambiguous or incompletely defined date or date-like code in any data software or embedded programming;
(c) any measures taken whether preventative remedial or otherwise with the intention of averting or minimizing any of the above.
2. Notwithstanding 1. (a) and 1. (b) above, this contract shall be extended to include;
(a) loss or damage arising from physical loss of or physical damage to tangible property;
(b) liability for actual or alleged bodily injury;
(c) liability for physical loss of or physical damage to tangible property owned by another person and resulting loss of use of such physically lost or physically damaged property; provided that such loss, damage or liability above is within the terms, conditions and exclusions of the original policy (ies) or contract(s).
3. For the purposes of 2.above, tangible property shall not include;
(a) any data or embedded programming however stored or conveyed;
(b) any computer or electronic device or component or system or software, other than where such property forms part of an ins ured cargo or ship’s machinery, which is in any way connected whether directly or indirectly with loss or damage claimed or from which such loss or damage arises.
4. This endorsement shall not include loss, damage, liability or expense arising from any contract solely designed to cover losses arising from any matter referred to in 1. above.
5. In calculating the net loss under this contract the reassured shall not treat any matter referred to in this endorsement as a basis for aggregation or in itself as an event or cause for the purpose of aggregation.。