GatewayPlus

Personal property and liability insurance for Nike Employees on

International employment assignments

Opening the way to international insurance solutions

GatewayPlus

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As a Nike employee on international assignment, the company provides a level of assistance in the area of your personal insurance as you leave your home country residence.

Nike provides certain levels of insurance protection to its transferees and has selected the GatewayPlus program for this purpose, which is administered by XN Financial.

This brochure briefly descries all coverage options available through the GatewayPlus program, including those provided by Nike at no cost.

The level and type of insurance extended by Nike is determined by the combination of your Home and Host Country. Your Transferee Coordinator can provide more information on personal property and liability coverage that Nike extends in conjunction with your relocation, in addition to insurance options for which you can enroll on a voluntary basis at your cost. Such options are available at the onset of an international assignment, or at any time during an assignment.

GatewayPlus

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Plan FeaturesCompany Paid CoveragePersonal Property Coverage

“All-risk” replacement cost for physical loss or damage to personal property belonging to you or family members residing with you $200 Deductible applies reimbursable via Nike

Comprehensive Personal Liability Coverage

Worldwide protection for payments you are legally obligated to pay for bodily injury and/or property damage to others

Voluntary OptionsPersonal Property Coverage — Unscheduled

Increase the limits based on additional personal insurance needs

Personal Property Coverage — Scheduled

For items of distinct, special value

Political Risk Coverage

Provides additional coverage for loss of property resulting from political turmoil

Personal Excess Liability Coverage

For additional financial protection above and beyond other liability coverage

An overview providing more details about this coverage can be found in the Description of Coverage section of this brochure.

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Description of CoveragePersonal Property CoverageYour personal property and belongings, along with those of your family members residing with you, are insured for the full cost of repair or replacement after you pay a deductible. “All-Risk” coverage protects you from loss or damage arising from any external cause, unless specifically excluded from this Plan.Some items have a specific aggregate limit for each occurrence:

▪ $5,000 for unscheduled jewelry and watches ▪ $1,000 for cash or currency, bank notes, or other monetary

property (deductible does not apply) ▪ $5,000 on manuscripts, securities, accounts, bills, deeds,

evidence of debt, letters of credit, notes other than bank notes, passports, or stamps including philatelic property

▪ $200 for accidental death or destruction of your domestic cat or dog

▪ $1,000 for breakage of glassware, statuary marble, bric-a-brac, porcelains, lens or eyeglasses, or similar fragile items

▪ $5,000 in the aggregate for plated ware, tableware, trays, trophies, and other household and personal articles other than jewelry that consist principally of sterling silver, gold, or pewter

These additional features are included in Personal Property coverage: Personal baggage when traveling inland, transit of household goods for local moves and any regional reassignments provided that a transoceanic or intercoastal shipment is not involved; additional living expenses if your living quarters become uninhabitable due to a loss covered by the policy of up to 20% of the limit for unscheduled property; and additional living expenses if you are forbidden from occupying your premises as a result of damages to a property of your dependants while attending school or away at college anywhere in the world.

Personal Property Coverage — ScheduledYou can add additional property protection coverage for items of distinct value — such as jewelry, fine arts (paintings and sculptures), antiques and hobby collections (stamps and coins in particular), and other property of value. The plan provides all risk coverage for certain classes of property that you specifically list (Scheduled Property Listing) for the actual cost to repair or replace the insured item. Scheduled Personal Property is not subject to any policy sub-limit or deductible.The following are examples of the types of property eligible for separate schedule: Jewelry and watches, furs; antiques; fine arts; silverware; camera and photography equipment; coin and stamp collections.

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Political Risk CoverageThis coverage is designed to protect against loss of covered personal property caused by war; civil war or insurrection; expropriatory action; or acts of sabotage or terrorism. All loses are subject to a deductible per occurrence. What’s not covered under Personal Property CoverageThere are some things the Plan specifically does not cover— such as certain types of property, or loss/ damage under circumstances in which this insurance does not apply. Some examples are:

▪ automobiles, motorcycles, aircraft, watercraft, or other motor vehicles

▪ jewlery or watches stored in commercial storage facility ▪ normal wear and tear, mechanical breakdown, or gradual

deterioration ▪ marring and scratching unless caused by theft, burglary or

robbery, vandalism, fire, windstorm, earthquake ▪ property on exhibition or on premises of any

national exposition ▪ property used in professional entertainment, business

or profession (except professional books, instruments, and other professional equipment while actually with the residence)

▪ property ordinarily located throughout the year somewhere other than your overseas residence or commercial warehouse

▪ damage to property resulting from war or nuclear radiation, contamination, or reaction

Comprehensive Personal Liability CoverageYou are protected if legally required to pay damages to another due to bodily or personal injury or property damage. This coverage also applies to your primary dwelling in your Home Country. The plan covers third party bodily injury or property damage; legal defense, settlement, and supplementary payments in a legal situation; liability under any written contract or agreement for a residence or lease agreement when mandated by local law or statute. Coverage also includes:

▪ medical payments to others up to $25,000 ▪ first aid to others for a covered bodily injury ▪ credit card liability up to $2,500 ▪ damage to property of others up to $250

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Personal Excess Liability CoverageThis provides additional financial protection over and above other liability coverage you maintain as outlined. This coverage provides an additional layer of protection over your Automobile, including, rental cars, Watercraft, and Personal Liability insurance. Coverage features also include:

▪ protection against personal injury liability including false arrest or imprisonment, libel, and slander

▪ worldwide protection where ever you travel

▪ liability coverage for your primary residence in your Home Country

You must maintain other minimum coverage (underlying limits) to qualify for Personal Excess Liability insurance. These limits are:

Comprehensive Personal Liability$1,000,000

Automobile Liability (U.S. and Canada) Bodily Injury

$100,000 Each Person/$300,000 Each OccurrenceProperty Damage

$10,000 Each Occurence

OR Bodily Injury and Property Damage

$300,000 Combined Single Limit/Each Occurrence

Foreign Auto Liability An amount equal to that required by statute in country where auto is registered OR Bodily Injury

$25,000 Each Person/$50,000 Each OccurrenceProperty Damage

$10,000 Each Occurence

OR Bodily Injury and Property Damage

$50,000 Combined Single Limit/Each Occurrence

Watercraft Liability Bodily Injury and Property Damage

$100,000 Combined Single Limit/Each Occurrence

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What is not covered under Liability CoverageThis coverage is designed to protect your finances from unexpected costs. It does not protect you if you cause an intentional injury, or in business and professional situations, nor does it cover liability assumed under a written contract or agreement in connection with a business. Also, the Plan specifically does not cover bodily injury or property damage caused by acts arising from:

▪ ownership, maintenance or use of automobiles or watercraft (except as provided under Personal Excess Liability Coverage subject to required underlying limits), or aircraft.

▪ damage to property you rent, occupy, use, or are in control of unless caused by fire, smoke, or explosion; and bodily injury or property damage arising out of any premises owned or rented by you which is not shown as a specified location

Travel Accident CoverageThis option provides an indemnity payment in the event of accidental bodily injury while traveling aboard a public conveyance or in a vehicle licensed to carry passengers for hire. When injury results in loss of life or limb, a sum is payable according to the policy scheduled. The coverage extends to you and your spouse and/or child(ren) accompanying you on assignment.

Travel Accident Coverage also includes these additional features:

▪ $2,500 in additional accidental medical treatment benefits ▪ $5,000 to or on behalf of the surviving spouse for

professional or trades program for the purpose of obtaining an independent income within 30 months from the date of death

▪ $8,000 each school year in educational benefits for a child if the insured parent dies while the child is in college or in the 12th grade and enrolls in college within a year

▪ $20,000 in expenses if an emergency medical evacuation is necessary due to an injury or sickness occurring within a 50 mile radius from your overseas residence

▪ $2,500 toward expenses for the repatriation of remains ▪ Worldwide Travel and Medical Assistance Services

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This is an overview of coverage only. A complete description of the plan provisions is contained in the Insurance Certificate, which is sent to you after coverage is issued. The Insurance Certificate, under which all provisions of the Master Certificate prevail, provides complete details on coverage, limitations, and exclusions.

The GatewayPlus Plan is underwritten by Lloyds of London and administered by XN Financial.

GatewayPlus

XN Financial Services (Canada) Inc. 600 de Maisonneuve Blvd, West, Suite 2310 Montreal (Quebec) Canada H3A 3J2

For Customer Service and EnrollmentToll Free USA and Canada 866.286.4076 Outside North America +800.XN.CENTER or 514.843.9604E-mail: gateway@xn.comFax: 514.287.7161

Visit us on the web at www.gatewayplans.comPlease ask us about our other plans.

The information contained in this publication provides only a general overview of subjects covered, is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Insureds should consult their insurance and legal advisors regarding specific coverage issues.

Statements concerning legal matters should be understood to be general observations based solely on our experience as insurance brokers and risk consultants and should not be relied upon as legal advice, which we are not authorized to provide. All such matters should be reviewed with the client’s own qualified legal advisors in these areas.

Mercer is part of the family of Marsh & McLennan Companies, including Marsh, Guy Carpenter, and Oliver Wyman.

Mercer Health & Benefits LLC, AR License #280646, CA License #0E75483.

Copyright 2014 Mercer LLC. All rights reserved.