##CFG AMS2010-ABT-Member-Insurance-Certificate ##

##VAR1 1035890 ##
##VAR2 Deeney ##
##VAR3 Ms Michelle Deeney ##
##VAR4 Member Insurance Certificate ##
##VAR5 08/04/2014 11:27:46 ##
Devised & arranged by BALENS and underwritten by Zurich Insurance plc (ZIP) in accordance with the authority granted.

SCHEDULE OF INSURANCE POLICY NUMBER ZUR/09/223/21122

1. The Assured:

Ms Michelle Deeney

2. Postal Address:

6 Bloomfield Park, Londonderry, County Londonderry, BT48 8HA

3. Limit of Indemnity:

5,000,000 In any one claim per section of cover and unlimited number of
claims during the period of insurance. Defence costs in addition.

4. Policy Cover:

Up to 5million Professional Treatment Risks Insurance, 5million Public

Liability, 5million Product Liability and 5million unlimited defence costs per
claim with an unlimited amount of claims in one year.
Claims made during the period of insurance in relation to the Assured's Health
Professional Business as per proposal or declaration submitted. Activities
covered are defined in the policy document. The business and activities are to
be carried out within the territorial limits:

5. Excess:

Nil - With exception of third party property damage where excess of 200 applies.

6. Retroactive Cover:

Unlimited cover for previous insured work performed - as per Policy Limitations.

7. Period of Insurance:

08/04/2014 to 07/04/2015 (both dates inclusive).

8. Premium:

0.00 + 0.00 (IPT) + 3.00 (Arrangement Fee) = 3.00

9. Run-off:

Included upon termination of this policy.

10. Jurisdiction:

UK, NI and Channel Islands. Cover is extended worldwide for temporary trips
abroad excluding USA and Canada.

11. Notice of Claim to:

Balens Limited. 2 Nimrod House. Sandy's Road. Malvern. Worcs. WR14 1JJ

12. Activities / Therapies

Covered:

As certificates checked and listed on the certificate of qualified treatments and

limited to treatments trained and qualified in. Full treatment lists contained within
policy wording.

13. Help Line:

0845 017 5080

14. Conditions:

See Policy Wording for details of exclusions, limitations and benefits.

This Certificate of Insurance is issued for and on behalf of Zurich Insurance plc (herein called "the Insurers").
In consideration of the payment of the Premium the Insurers will indemnify the Insured in accordance with the terms, conditions
and limitations of Policy (herein called "the Policy") which are incorporated herein. The Proposal or any information supplied by
the Insured shall be incorporated in the Policy, Provided always that if the Insured shall make any claim knowing the same to be
false or fraudulent as regards amount or otherwise this Certificate shall become void and all claims hereunder shall be forfeited.

Certificate issued in UK by Associated Beauty Therapists Ltd

Signed:

Date: 08/04/2014

ABT Director - Dave Horton