ACCIDENT DEATH & DISMEMBERMENT BENEFIT

Primary Member.................................................................................................$2,500

Spouse of Primary Member..............................................................................$2,500

(If listed on the Membership Enrollment Application or later added, recorded and acknowledged by the Association)

Eligible Dependent Children of Primary Member**.......................................$2,500

(If listed on the Membership Enrollment Application or later added, recorded and acknowledged by the Association)

**Eligible Dependent Children of the Primary Member means an unmarried dependent child of the Primary Insured who is under the age of nineteen (19) years (24 years if a full-time student).

Lifetime Maximum Benefit Per Member Family.....................................................$20,000

*The AD&D Maximum Benefit and Accident Excess Medical Expense Coverage Maximum Benefit reduce by 50% at age 70.

Coverage is available to paid Members after 30 days following the receipt of the Membership application and the payment of the first month's dues by the Association. Claims for benefits shall be administered based on the Blanket Group Policy issued to the Association. A copy of Certificate of Coverage further outlining the Blanket Group Policy is available from the Association upon request.

Coverage is not available in CT, MA, NH, NY and VT.

                                           Percentage of Maximum Benefit

Loss of Life..................................................................................................................100%
Loss of two or more limbs............................................................................................100%
Loss of Speech and Loss of Hearing (both ears)........................................................100%
Loss of Sight (both eyes).............................................................................................100%
Loss of one limb.............................................................................................................50%
Loss of speech...............................................................................................................50%
Loss of hearing (both ears)............................................................................................50%
Loss of Sight (one eye)..................................................................................................50%
Loss of one hand............................................................................................................50%
Loss of one foot..............................................................................................................50%
Loss of hearing (one ear)................................................................................................25%
Loss of thumb and index finger (same hand)..................................................................25%