Description Of Coverage
The plan offers full 24-hour coverage for accidents anywhere in the world, on or off the job, on business, on vacation, and even at home. It also covers you while flying (as a passenger only), in any licensed civilian aircraft or in military transport aircraft operated by the Military Airlift Command or similar foreign service.

Family members are also covered if you choose the Optional Family Plan.

Who Is Eligible
All credit union members are 18 and over, their spouse age 18 and over, and their unmarried dependent children are eligible for coverage.

Dependent children are defined as those under age 19; but children between age 18 and 25 are covered if they are full-time students in an accredited school, college or university, and are primarily dependent upon the member for support.

Long-Term Protection
Your coverage will remain in effect as long as you remain a member of the eligible group or remain an eligible dependent, the premium is paid when due, and the Master Policy remains in force.

Important Note
You will receive a Certificate of Insurance describing the exact coverage and benefits purchased.

This brochure is a summary of benefits only and is subject to the terms, conditions and limitations of Group Policy No. G-500,000.

The availability of this offer may change.

Benefits
If injuries result in death, dismemberment, or loss of speech or hearing within one year of the date of accident, the insurance policy will pay the following benefits:

Basic Coverage   % Voluntary Coverage Loss of Life $2,000 plus 100% Loss of 2 or more member * $2,000 plus 100% Loss of speech and hearing $2,000 plus 100% Loss of speech or hearing $1,000 plus 50% Loss of 1 hand, 1 foot, or sight in 1 eye $1,000 plus 50% Loss of thumb and index finger on either hand $500 plus 25% * Loss of two or more members means loss of: sight in both eyes, both feet or both hands, or any combination of foot, hand, or sight in one eye. If more than one loss is incurred from the same accident, only the greatest loss covered will be paid as shown above.

Loss means with regards to hands and feet, complete severance through or above the wrist or ankle joints; sight, speech or hearing, entire irrecoverable loss thereof; with regards to thumb and index finger, actual severance through or above the metacarpophalangeal joints.

Injury means a bodily injury resulting directly from an accident, and independent of all other causes. Loss resulting from sickness or disease, is not covered. The accident must occur while coverage is in force.

Coverage is reduced 50% at attainment of age 70.

Voluntary Coverage Member Only Cost per Month Family Plan Cost per Month $ 10,000 $ 0.70 $ 0.95 $ 20,000 $ 1.40 $ 1.90 $ 30,000 $ 2.10 $ 2.85 $ 40,000 $ 2.80 $ 3.80 $ 50,000 $ 3.50 $ 4.75 $ 60,000 $ 4.20 $ 5.70 $ 70,000 $ 4.90 $ 6.65 $ 80,000 $ 5.60 $ 7.60 $ 90,000 $ 6.30 $ 8.55 $100,000 $ 7.00 $ 9.50 $125,000 $ 8.75 $11.88 $150,000 $10.50 $14.25 $175,000 $12.25 $16.63 $200,000 $14.00 $19.00 $250,000 $17.50 $23.75

Voluntary Coverage
Voluntary Coverage is available in the amounts shown at affordable group rates. Many credit union members choose an amount approximately two to five times their annual income. You should select the amount that is closest to your family's needs. Premiums will be conveniently deducted from your credit union account quarterly. There are no bills to pay.

Family Plan
If you select the Family Plan, coverage for your dependents will be provided as follows:

• If you have a spouse only, your spouse is insured for 60% of your Voluntary Coverage.

• If you have a spouse and children, your spouse is insured for 50% of your Voluntary Coverage, and each child is insured for 20% of your Voluntary Coverage.

• If you have children only, each dependent child is insured for 25% of your Voluntary Coverage.

Examples for Family Plan with $50,000 Married with Children Married without Children Single Parent Individual Coverage $50,000 $50,000 $50,000 Spouse Coverage $25,000 $30,000 None Each Child's Coverage $10,000 None $12,500 Cost per Month $4.75 $4.75 $4.75

Enrollment
You must complete, sign and return your form to be eligible for the $2,000 coverage that is provided to all eligible members at no cost.

Indicate on the enrollment form the amount of Voluntary Coverage you wish. Be sure to complete your enrollment form. This program can provide the additional insurance you and your family need at a reasonable cost.

Effective Date Of Coverage
The following are the effective dates of coverage:

Completed Enrollment Forms Received By Effective Date of Coverage December 1 January 1 March 1 April 1 June 1 July 1 September 1 October 1

Your Certificate of Insurance will be mailed to you approximately 45 days after the effective date of coverage.

Benefits For Voluntary Coverage
Education Benefit:
Under the Family Plan, your covered dependents are eligible for an Education Benefit if you die and the loss of life benefit is payable. The Education Benefit will be equal to 3% of the insured member's full benefit amount of Voluntary Coverage.

To receive benefits, students must prove they were, on the date of your death: a covered dependent, a full-time student in a school for higher learning, or a student in 12th grade who becomes a full-time post-high school student within 365 days after the date of a covered loss.

This benefit is payable every year for up to four years provided the dependent remains a student. If at the time of your death non of your children are eligible for this benefit, an additional benefit of $1,000 will be paid to your beneficiary.

Common Carrier Benefits: An extra amount equal to the benefit amount determined under the AD&D benefit section of your certificate for a loss caused by an injury which occurs while an insured is riding as a fare-paying passenger on a public conveyance, including aircraft operated by a licensed common carrier or any transport aircraft of the Military Airlift Command (MAC) in the United States or a like service of another country.

Hospital Indemnity Benefit: If you or a covered dependent are confined to a hospital, the plan will pay the monthly benefit or a portion thereof if the confinement is due to Injury and the confinement exceeds the waiting period of 7 days.

The monthly benefit is 2% of your Voluntary Coverage up to a maximum of $1,500 per month. This benefit is limited to a monthly amount not to exceed $1,500 and a total of 12 months for any covered accident. For a period of less than one month, 1/30th of the monthly benefit is payable.

Payment will be made for days applied to the waiting period if confinement exceeds the waiting period.

Inflation Benefit: If Voluntary Coverage is payable, the plan will also pay an Inflation Benefit. This means that every two years you have been insured, your Voluntary Coverage will be increased by 5% to a maximum of 125% of the Voluntary Coverage for which you had enrolled and the premium was paid when due.

A maximum of 10 years will be used in determining the amount of Inflation Benefit. This is your number of full years of continuous coverage under (a) this policy, (b) the prior policy, or (c) any combination of this policy of prior policy thereof.

Benefit Amounts payable for covered dependents remain constant from the time of enrollment.

Handicapped Dependent Coverage: Coverage may be kept in force for a Dependent Child who has reached the maximum dependent age if the child is (1) totally incapable of sustaining employment due to mental or physical handicap, and (2) unmarried and primarily dependent on you for support and maintenance. To keep this coverage in force, you must send the insurance company proof that the child is disabled within 31 days after the child reaches the maximum dependent age.

Spouse Retraining Benefit: Under the Family Plan, your covered spouse is eligible for a Spouse Retraining Benefit if you die and Voluntary Coverage is payable. This benefit will pay the lesser of: 5% of the Voluntary Coverage, or the actual cost charged by the institution of higher learning, or $5,000 to the covered surviving spouse who enrolls in an occupational training program within one year of the date of your death. Expenses must be incurred within two years of your death. If you do not have a covered surviving spouse, an additional benefit of $1,500 will be paid to your beneficiary.

Occupational Training Program means any education, professional, or trade training which prepares your spouse for an occupation for which he or she would not otherwise be qualified.

Child Care Center Benefit: Under the Family Plan, your covered dependents are eligible for a Child Care Benefit if you or your spouse die and Voluntary Coverage is payable. The Child Care Benefit is 2% of your Voluntary Coverage, the actual cost charged by the child care center per year of $2,000, whichever is less.

To receive this benefit, a covered dependent must be enrolled in a licensed Child Care Program, or begin attending such a program within 90 days of your death. This benefit is payable every year for up to five years, provided the dependent child continues to attend a properly licensed Child Care Facility and is under age 13. If at the time of death no children are eligible for this benefit, or your spouse is covered but you have no children, and additional benefit of $1,000 will be paid to your beneficiary.

Seat Belt Benefit: If an insured suffers a loss payable under the Voluntary Coverage while riding as a passenger in, or is the Licensed Operator of a Registered Automobile, and wearing a properly fastened seat belt or lap and shoulder restraint or passive restraint device installed by the manufacturer, the amount payable will be increased by 50%. Verification of the actual use of the seat belt must be part of the police report of the accident.