<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">POLICY PROVISIONS</span></strong></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">BENEFITS.</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt"> Subject to all conditions and provisions, Alliedbankers Insurance Corporation will pay the benefits in accordance with the Policy Schedule under this Policy, upon receipt and approval of due proof of claims. </span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">BENEFICIARY/IES.</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt"> </span><span style="font-family:arial,sans-serif; font-size:10.0pt">The Beneficiary/ies is/are the person designated to receive the proceeds of this Policy upon the death of the Participant, unless otherwise changed and provided that they are not disqualified under the law.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">DEFINITION OF TERMS</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">.</span></p>

<p style="text-align:justify">a. &nbsp; Accident shall mean a sudden unforeseen and fortuitous event.</p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">b. &nbsp; </span><span style="font-family:arial,sans-serif; font-size:10.0pt">Bodily Injury shall mean injury resulting from an Accident caused by external, violent, and visible means.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">c.&nbsp;&nbsp; </span><span style="font-family:arial,sans-serif; font-size:10.0pt">Accidental Death refers to loss of life or death resulting directly from accidental bodily injuries.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">NOTICE AND PROOF OF CLAIM</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Notice of claim must be submitted within thirty (30) days after the loss and proof of claim within ninety (90) days after the loss except when it can be shown that failure to submit the notice and proof within such time is due to valid reasons. <span style="color:black">In the event of accidental death, immediate notice must be given to </span>Alliedbankers Insurance Corporation<span style="color:black">.</span></span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">EFFECTIVITY OF INDIVIDUAL COVERAGE</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">The Individual Coverage becomes effective only when the insured is alive and in good health on the date of payment of the initial premium. The term &ldquo;Participant&rdquo; shall be used to refer to any person who is eligible for insurance and covered under this Policy. The term of coverage will expire one (1) year from the effective date.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">CERTIFICATE OF INDIVIDUAL INSURANCE</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporation shall issue to the Policyholder for delivery to each Participant an individual certificate setting forth a statement as to the insurance protection to which he/she is entitled, to whom the insurance benefits are payable, and the rights set forth in paragraphs (h), (i) and (j) under Section 234 of the Insurance Code. In case of any inconsistency between such certificate and this Policy, the content of this Policy shall prevail.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">AVAILABILITY OF GROUP MASTER POLICY</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">The Group Policy should be kept in the main premises of and in the custody of an officer of the Policyholder and must be available to the Participant for inspection at any reasonable time.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">PAYMENT OF PREMIUMS</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">All premiums are payable by the Policyholder within thirty (30) days from the inception date of the policy at the duly designated offices or authorized representatives. Alliedbankers Insurance Corporation will not accept premium payments directly from any Participant.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">RENEWAL CLAUSE</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporation shall send non-renewal notice to the Policyholder at least forty-five (45) calendar days prior to expiration of the policy otherwise Alliedbankers Insurance Corporation shall renew the policy upon payment of premium. In case the renewal premium is not paid, the insurance coverage is terminated.</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">TERMINATION OF GROUP MASTER POLICY</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">. </span><span style="font-family:arial,sans-serif; font-size:10.0pt">This Policy shall terminate on the earliest of the following:</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">a. &nbsp; Date of receipt of a written notice from Policyholder to terminate this Policy; or </span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">b. &nbsp; Date of Alliedbankers Insurance Corporation written notice of termination to the Policyholder when the number of the Participants falls below the required minimum number of lives.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">It is the obligation of the group policyholder to inform the insured-members forty-five (45) days in advance of the intended termination of the group policy by the insurer or by the policyholder.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">TERMINATION OF INDIVIDUAL INSURANCE</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">. </span><span style="font-family:arial,sans-serif; font-size:10.0pt">The insurance of any Participant shall terminate on the earliest of the following:</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">a. &nbsp;&nbsp; When the insured reach the first day of the exit age;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">b. &nbsp;&nbsp; When the amount of benefit is fully utilized;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">c. &nbsp;&nbsp; When the insured fail to pay the required premium;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">d.&nbsp;&nbsp;&nbsp; When conviction of a crime arising out of acts increasing the hazard insured against</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">e. &nbsp;&nbsp; Discovery of fraud or material misrepresentations</span></p>

<p style="text-align:justify">f. &nbsp;&nbsp;&nbsp; Discovery of willful or reckless acts or omission increasing the hazard insured against;</p>

<p style="text-align:justify">g.&nbsp;&nbsp; A determination by the Commission that the construction of the policy would violate or would place the insured in violation of this Code.</p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Any certificate in effect when the group policy is cancelled, non-renewed or otherwise terminated shall continue to be in effect for the period of coverage specified in the certificate.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">TERMINATION CLAUSE</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">NOTWITHSTANDING anything contained in this Insurance to the contrary this Insurance may be cancelled by the Insured at any time by written notice or by surrendering of this Contract of Insurance. This Insurance may also be cancelled by or on behalf of the Underwriters by delivering to the Insured or by mailing to the Insured, by registered, certified or other first class mail, at the Insured&#39;s address as shown in this Insurance, written notice stating when, not less than {Response} days thereafter, the cancellation shall be effective. The mailing of notice as aforesaid shall be sufficient proof of notice and this Insurance shall terminate at the date and hour specified in such notice.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">MISDESCRIPTION CLAUSE</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">It is understood that this insurance shall not be prejudiced by any alteration or mis-description of occupancy provided the Insured shall notify the company immediately them become aware of the same and to pay additional premium if required the date of the inception of the increased hazard.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">FREE LOOK PERIOD</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">If the Insured Person changed his/her mind or are not completely satisfied with the terms and conditions of the Master Policy, the Insured Person may cancel the Certificate of Insurance by calling if the Certificate of Insurance has not been issued yet. The Insured Person may also cancel the Certificate of Insurance after the Certificate of Insurance has been issued through a written notice of cancellation:</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">Within the Free-Look Period of five (5) calendar days from the received date of the Certificate of Insurance. Upon cancellation, the Insured Person is entitled to the refund of the full Premium paid, provided that no claim has been made during the Master Policy period.</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">EXCLUSIONS</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">. The personal accident insurance shall not cover death caused directly or indirectly, wholly or partly by:</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<ol style="list-style-type:lower-alpha">
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss caused directly or indirectly, wholly or partially by:</span></li>
</ol>

<ol>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Bacterial infection (except pyogenic infections which shall occur through an accidental cut or wounds); or infections caused by parasites or any pandemic, epidemic diseases such as but not limited to SARS, H1N1, COVID-19 or any mutation thereof;</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Medical or Surgical Treatment (except such as may be necessary solely by reason of injuries covered by this policy and performed within the time provided in the policy;</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Miscarriage or pregnancy.</span></li>
</ol>

<ol start="2" style="list-style-type:lower-alpha">
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Suicide or any attempt thereof (sane or insane).</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Murder of assault or any attempt thereof;</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not) mutiny, strikes, riots, civil commotions, civil war, rebellion, revolution, conspiracy, military or usurped power, marital law, or state of siege, seizure, quarantine or customs regulations or nationalization by or under the order of any government or public or local authority. The exclusion shall not be affected by any endorsement which does not specifically refer to it, in whole or in part. The application of the exclusion referring to material law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege is hereby waived for any territorial jurisdiction of the Republic of the Philippines.</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Nuclear radiation or radioactive contamination.</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Injury sustained while participating in professional athletics or any organized and scheduled amateur physical contact sport.</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Injury sustained while engaging in mountaineering requiring the use of ropes or guides, skin diving employing the use of compressed or cylinder, racing on wheels or horseback, skydiving from a device for serial navigation , hang gliding;</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Cave-in of mines;</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Occupation not acceptable and under prohibited risks as defined by the Company.</span></li>
</ol>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">MURDER AND ASSUALT EXCLUSION CLAUSE</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">. It is further declared and agreed that there shall be no recovery under this policy if murder and assault or any attempt there at shall occur in any of the following places: </span></p>

<ol style="list-style-type:lower-alpha">
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Lanao del Norte</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">South Cotabato</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">North Cotabato</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Zamboanga del Norte</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Zamboanga del Sur</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Sulu Archipelago</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Sultan Kudarat</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Lanao del Sur</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Maguindanao</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Basilan</span></li>
	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Jolo</span></li>
</ol>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">CLAIM SETTLEMENT</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Claims under this Policy shall be settled within ten (10) working days upon receipt of complete documents.</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">LIMITATION OF COMPLAINTS</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Any complaint or grievance on the Group Master Policy must be filed with the proper authorities within one (1) year from the time of rejection or denial of the claim. The venue for filing of complaints and grievances on the Group Master Policy must not be limited to the place of issue of contract.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">DISPUTE RESOLUTION</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">All disputes arising in connection with this Policy shall be initially settled through alternative dispute resolution mechanism.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:center"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">SHORT PERIOD RATE SCALE</span></strong></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">It is hereby agreed in the event this Policy is surrendered by the Policyholder/Participant for cancellation, Alliedbankers Insurance Corporation shall retain a premium in accordance with the following scale for the time the Policy has been in force.</span></p>

<table align="center" border="1" cellpadding="1" cellspacing="1" style="width:500px">
	<tbody>
		<tr>
			<td>
				No of Month/s
			</td>
			<td>
				1
			</td>
			<td>
				2
			</td>
			<td>
				3
			</td>
			<td>
				4
			</td>
			<td>
				5
			</td>
			<td>
				6
			</td>
			<td>
				7
			</td>
			<td>
				8
			</td>
			<td>
				9
			</td>
			<td>
				10
			</td>
			<td>
				11
			</td>
		</tr>
		<tr>
			<td>
				%
			</td>
			<td>
				40
			</td>
			<td>
				40
			</td>
			<td>
				50
			</td>
			<td>
				60
			</td>
			<td>
				70
			</td>
			<td>
				75
			</td>
			<td>
				100
			</td>
			<td>
				100
			</td>
			<td>
				100
			</td>
			<td>
				100
			</td>
			<td>
				100
			</td>
		</tr>
	</tbody>
</table>

<p>
	&nbsp;
</p>


<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">This endorsement/warranty/clause is effective ___________________</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Attached to and forming part of Policy No. _______________</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Place Issued:&nbsp; ____________&nbsp;&nbsp;&nbsp;&nbsp; Date Issued: ______________</span></p>

<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">OPTIONAL ENDORSEMENTS UNDER THE GROUP PERSONAL ACCIDENT MICROINSURANCE</span></strong></p>

<p style="text-align:center"><em><span style="font-family:arial,sans-serif; font-size:10.0pt">These Endorsements, Warranties and Clauses are applicable only when stated in the Policy Schedule. </span></em></p>

<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<ol>
	<li><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">PERMANENT DISABLEMENT &amp; DISMEMBERMENT ENDORSEMENT</span></strong></li>
</ol>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporation shall pay the Insured the amount stated in the Table of Benefits (Permanent Disablement &amp; Dismemberment) in the event of accidental bodily injury sustained during the period of insurance, resulting in permanent disablement and/or dismemberment.</span></p>

<p style="text-align:justify"><em><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></em></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">DEFINITIONS</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">Permanent Disablement</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt"> as used in this endorsement shall mean that the Insured is totally and permanently disabled and prevented by reason of bodily injury, from engaging in each and every occupation or employment for compensation or profit for which he is reasonably qualified by reason of his education, training or experience, provided such disability is diagnosed by a legally qualified physician or surgeon as total, continuous, permanent and beyond reasonable hope of improvement.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">Dismemberment </span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">as used in this endorsement shall mean loss of bodily appendage (limb, hand, finger, arm, foot or sight), as result of an accident.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">TABLE OF BENEFITS (PERMANENT DISABLEMENT &amp; DISMEMBERMENT)</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">Description of Disablement&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Percentage of the Capital Sum</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of two limbs&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of both hands, or all fingers and both thumbs&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of both feet&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of one hand and one foot&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of sight of both eyes&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Any other injury causing permanent total disablement&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1% per month up to 100 months</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of arm at or above elbow&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;70%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of arm between elbow and wrist&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of hand&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of four fingers and thumb of one hand&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of four fingers&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;35%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of leg at or above knee&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;60%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of leg elbow knee&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of one foot&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of toes-all of one foot&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25% </span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of thumb&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of index finger&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of sight of one eye&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of speech&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of hearing-both ears&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">One ear&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25%</span></p>

<p style="text-align:center"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Any sum short of 100% which may be paid under the Table of Benefits shall be accounted in diminution of the Sum Insured, so that in case of supervening death directly and necessarily resulting from one and the same bodily injury, the total amount payable by the Company for all claims under the Table of Benefits shall not exceed the amount specified in the Permanent Disablement &amp; Dismemberment benefit in any policy year. The payment of all benefits under the Permanent Disablement &amp; Dismemberment that equal the sum insured shall terminate the benefits under Permanent Disablement &amp; Dismemberment.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">TERMINATION</span></strong></p>

<p style="text-align:justify"><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">This contract shall terminate only in the event of accidental death as provided herein or upon expiry. </span></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">In any policy year, the aggregate&nbsp;benefits payable under this contract in respect of any one accident resulting in loss or losses within 180 days from date of accident shall not exceed the principal sum (e.g. loss of life, loss of two limbs, loss of both hands, loss of both feet, loss of all fingers and both thumbs, loss of sight of both eyes and loss of hearing in both ears).</span></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">In any policy year, the aggregate benefits payable under the Permanent Disablement &amp; Dismemberment of this contract in respect of one or more accident(s) resulting in loss or losses within 180 days from date of accident(s) shall not exceed the principal sum. For subsequent accident(s) resulting in any loss or losses, the&nbsp;amount(s) payable under the Permanent Disablement &amp; Dismemberment shall be the principal sum less the amount(s) paid for such loss or losses, and shall not terminate the contract in so far as the accidental&nbsp;death benefit is concerned.</span></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">In any policy year, the amount of benefit for loss of life, arising from independent/unrelated accident/event shall always be the principal sum.</span></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">Any partial benefit already paid for any loss or losses shall not be carried over in the subsequent policy year. The amount of benefits to be paid in the succeeding policy year shall not be reduced by any amount paid in the preceding policy year.</span></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<ol start="2">
	<li style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">EDUCATIONAL ASSISTANCE ENDORSEMENT</span></strong></li>
</ol>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporation</span><span style="font-family:arial,sans-serif; font-size:10.0pt">shall provide financial assistance to the beneficiary of the Insured for educational expenses, to enable the children who are still studying to pursue their studies, up to the amount stated in the Schedule of Cover, in the event of accidental death of the Insured during the period of insurance.</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<ol start="2">
	<li><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">HOSPITAL INCOME BENEFIT</span></strong></li>
</ol>

<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporationshall provides the insured daily cash assistance for each day of confinement up to a maximum amount and number of days specified in the Schedule due to accidents or sickness occurring within the period of insurance.</span></p>

<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<ol start="2">
	<li><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">MEDICAL EXPENSEREIMBURSEMENT</span></strong></li>
</ol>

<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>

<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;&nbsp;&nbsp;&nbsp; </span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">Where by reason of injury, the insured shall require treatment by a legally qualified physician or surgeon, confinement in a hospital or the employment of a licensed or graduate nurse, the company will pay the actual expense incurred within fifty two weeks from the date of accident for such treatment, hospital charges and nurse fees, which is in excess of the deductible amount&nbsp; (if any) stated in the schedule as a result of one accident.</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<ol start="2">
	<li><strong>BURIAL EXPENSE BENEFIT</strong></li>
</ol>

<p>&nbsp;</p>

<p style="text-align:justify">&nbsp;&nbsp;&nbsp;&nbsp; When injury results in the death of an insured person within 180 days after the accident,Alliedbankers Insurance Corporation shall pay burial expenses incurred up to the limit state in the Schedule of Cover.</p>

<p>&nbsp;</p>

<p>&nbsp;</p>

<ol start="2">
	<li><strong>MOTORCYCLING </strong></li>
</ol>

<p><strong>&nbsp;</strong></p>

<p>When injury results in the accidental death of an insured person within the period of insurance while riding a motorcycle&nbsp; the company will pay the actual amount of expenses incurred.EXCEPT while such vehicle is being used for any race, speed test or exhibition or when the Insured is under the influence of liquor, narcotics or prohibited drugs.</p>

<p><strong>&nbsp;</strong></p>

<p>This Rider shall not provide benefits for the following persons: Detectives, Secret Service Personnel, Miners, Underground Workers, and Explosive Makers.</p>

<p><strong>&nbsp;</strong></p>

<p>&nbsp;</p>

<ol start="2">
	<li><strong>FIRE INSURANCE SUBSIDY</strong></li>
</ol>

<p><strong>&nbsp;</strong></p>

<p>Where by reason of fire and/or any catastrophic event such as earthquake, typhoon, flood including but not limited to manmade calamities as a result of riot strike and malicious damage, extended coverage (smoke, explosion, aircraft, vessel)&nbsp; the insured sustained loss and/or damage within the period of insurance of the designated dwelling occupied principally as private residence including but not limited to household contents, the company will pay the amount equivalent as a form of subsidy.</p>

<p style="text-align:justify"><strong>&nbsp;</strong></p>

<p><strong>&nbsp;</strong></p>

<ol start="2">
	<li><strong>ANIMAL OR INSECT BITE</strong></li>
</ol>

<p><strong>&nbsp;</strong></p>

<p>Where by reason the Insured sustain an injury due to animal or insect bite (excluding mosquito bite) during the period of insurance the company will pay the actual amount of expenses incurred.</p>

<p><strong>&nbsp;</strong></p>

<p><strong>&nbsp;</strong></p>

<ol start="2">
	<li><strong>DROWNINGORSUFFOCATIONBY SMOKE, POISONOUS FUMESOR GAS</strong></li>
</ol>

<p><strong>&nbsp;</strong></p>

<p>When the injury results in the accidental death, permanent disablement or accidental injury of an insured person within the period of insurance caused by drowning or inhalation of smoke, poisonous fumes or gas, the company will pay the actual amount of expenses incurred.</p>

<p>&nbsp;</p>

<p>&nbsp;</p>

<ol start="2">
	<li><strong>MOBILITY AID AND AMBULANCE SERVICE</strong></li>
</ol>

<p><strong>&nbsp;</strong></p>

<p>Where by reason of Accidental Injury within the period of insurance in which the Insured requires to use an ambulance service or any kind of mobility aid, the company will pay the actual amount&nbsp; incurred as a direct result of Accidental Injury and any kind of equipment the Insured&rsquo;s attending Doctor prescribed to aid mobility.</p>

<p style="text-align:justify">&nbsp;</p>

<p>&nbsp;</p>

<ol start="2">
	<li><strong>SURGICAL TREATMENT</strong></li>
</ol>

<p><strong>&nbsp;</strong></p>

<p>Except such as maybe necessary solely by reason of accidental injury in which the Insured requires to conduct surgical treatment prescribed by the Insured&rsquo;s attending Doctor, the company will pay within fifty two (52) weeks the amount equivalent but not exceed the aggregate amount set forth under the table of benefit as a result of one accident.</p>

<p><strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </strong></p>

<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>

<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>
