Administrator means the administrator of giraffe & friends RESP, being Giraffe & Friends Life Insurance Company.

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1 Completion Insurance Life & Total & Permanent Disability Insurance Important information about your insurance Customer Service Inquiries - Please contact Giraffe & Friends Life Insurance Company at MY-GANDF ( ) or fax: or Claims Procedures - Before paying any benefits under this Policy, a claim form must be duly completed and sent to Giraffe & Friends Life Insurance Company within 90 days of the event giving rise to the claim. To receive a claim form, please call Giraffe & Friends Life Insurance Company at MY-GANDF ( ) or to: Giraffe & Friends Life Insurance Company Definitions The following definitions apply to this Policy. Accident means an unforeseen and unexpected event beyond the Subscriber s control occurring while this Policy is in force which causes injury to the Insured. Actively Working means, as of the Effective Date of Insurance, performing continuously the normal duties of Your job, either at Your normal place of work or at a location to which Your employer requires You to travel. Administrator means the administrator of giraffe & friends RESP, being Giraffe & Friends Life Insurance Company. Death Benefit has the meaning given to that term in the first paragraph under the heading COMPLETION INSURANCE BENEFIT. Deposits means the periodic payment amounts required to be made by a Subscriber to a giraffe & friends RESP in accordance with, and at an amount and frequency provided for in, the application for a giraffe & friends RESP and the giraffe & friends RESP Terms. Diagnosis means the diagnosis by a Physician. Effective Date of Insurance means the date shown in the Policy Schedule. Insured means the Insured shown in the Policy Schedule. Physician means a person who is licensed and practicing in Canada within the scope of his/her license as a doctor of medicine (M.D.) and is not the Insured; or related by blood or marriage to or in a business relationship with the Insured. 1

2 giraffe & friends RESP means a registered education savings plan established for the purpose of funding Education Assistance Payments (as that term is defined in the giraffe & friends RESP Terms) for students who attend post-secondary programs of education, which is administered by the Administrator and evidenced by the giraffe & friends RESP Terms. giraffe & friends RESP Terms means the contract made between Giraffe & Friends Life Insurance Company and the Insured, as Subscriber, entitling the Subscriber to make Deposits. Sickness means illness or disease of a Subscriber which first manifests itself while this Policy is in force. Subscriber has the meaning attributed to that term in the giraffe & friends RESP. Total and Permanent Disability means an incapacity resulting from an Accident or Sickness occurring after You had been Actively Working, preventing You from engaging in any work for remuneration or expectation of profit for which You are reasonably suited by education, training and experience, and which disability must commence and have continued for 180 consecutive days prior to Your 70th birthday and be assessed by a Physician as a permanent condition. Total and Permanent Disability Benefit has the meaning given to that term in the second paragraph under the heading COMPLETION INSURANCE BENEFIT. We, Us, Our or Insurer means Giraffe & Friends Life Insurance Company. You or Your means the Policyholder identified in the Policy Schedule. Eligibility No amounts will be payable under this Policy unless on the date of application for this Insurance, You were to the best of Your knowledge and belief not suffering from any serious injury, illness or disease and, on the date of application for this Insurance, You have met, and, in the case of 1 and 2 below, continue to meet each of the following conditions: 1. You are a resident of Canada; 2. You have a giraffe & friends RESP; and 3. You were between the ages of 20 and 60. Completion Insurance Benefit If, while You are insured under this Policy, You die prior to age 75, the Insurer will pay to the Administrator a benefit amount equal to all of the Deposits, in the amount and frequency provided for in the application for a giraffe & friends RESP and the giraffe & friends RESP Terms, to which this Policy relates, which You, as the Subscriber, have agreed to pay under the giraffe & friends RESP and which become payable under the giraffe & friends RESP after the date of Your death (the Death Benefit ). In the case of joint coverage under this Policy with another insured, the Insurer will pay the Death Benefit ONLY in respect of the first one of You to die. We will not pay any Deposits which are overdue or late penalties owing at the date of Your death. 2

3 If, while You are insured under this Policy, You become Totally and Permanently Disabled, the Insurer will pay to the Administrator a benefit amount equal to all of the Deposits, in the amount and frequency provided for in the application for a giraffe & friends RESP and the giraffe & friends RESP Terms, to which this Policy relates, which You, as the Subscriber, have agreed to pay under the giraffe & friends RESP and which become payable under the giraffe & friends RESP after the date of Your Total and Permanent Disability (the Total and Permanent Disability Benefit ). In the case of joint coverage under this Policy with another insured, the Insurer will pay this benefit ONLY in respect of the first one of You to become Totally and Permanently Disabled. We will not pay any Deposits which are overdue or late penalties owing at the date of Your Total and Permanent Disability. You must provide, after 180 consecutive days of Total and Permanent Disability prior to Your 70th birthday, written proof satisfactory to the Insurer that You were and remain continuously in a state of Total and Permanent Disability. We have the right to require You to submit such proof or to submit to medical examinations by a Physician appointed by the Insurer. If You fail to submit such proof or to submit to medical examinations, no benefits will be paid. The Administrator will use the Death Benefit or the Total and Permanent Disability Benefit, as the case may be, to make Deposits into Your giraffe & friends RESP. Exclusions and Limitations for Completion Insurance No benefit will be paid under this Policy if Your death or Total and Permanent Disability results directly or indirectly from one or more of the following: 1. suicide, while sane or insane, within 2 years of the Effective Date of Insurance; 2. self-inflicted injury, while sane or insane; 3. injury caused or contributed to by war or any act of war, whether declared or not; 4. participation in a riot or civil commotion; 5. active service outside of Canada in the armed forces of any country; 6. direct or indirect participation in a criminal act or any attempt to commit a criminal offense, including but not limited to, operating a motor vehicle while the concentration of alcohol in 100 milliliters of Your blood exceeds 80 milligrams; 7. chronic use of alcohol; 8. drug use apart from controlled drugs as prescribed by and on the advice of a Physician; 9. normal pregnancy, childbirth or termination of pregnancy, excluding unexpected medical complications; 10. cosmetic or elective surgery, excluding unexpected medical complications; or 11. illness, disease, mental, nervous or psychiatric disorder for which any one of (i) medical advice, (ii) treatment, (iii) service, (iv) prescribed medication, (v) diagnosis or (vi) consultation, including consultation to investigate and/or diagnose (where diagnosis has not yet been made), was received by You or would have been received by a prudent individual within both (a) 6 months immediately preceding the Effective Date of Insurance and (b) the 6 months immediately following the Effective Date of Insurance. This exclusion only applies if Your death or Total and Permanent Disability first occurs within 24 months of the Effective Date of Insurance. 3

4 Critical Illness Insurance In the event of Total and Permanent Disability, if You have purchased and are eligible for critical illness insurance benefits from Giraffe & Friends Life Insurance Company, You may not receive benefits under both this Policy and the critical illness insurance policy but rather you may only select to receive benefits under either this Policy or the critical illness insurance policy. Termination of Life & Total & Permanent Disability Insurance Completion Insurance under this Policy will terminate on the earliest of the following dates: 1. the date of maturity or termination of the giraffe & friends RESP in accordance with the giraffe & friends RESP Terms; 2. the date a Subscriber elects to switch from the giraffe & friends RESP to another RESP option in the manner provided for under the giraffe & friends RESP Terms; 3. the date that this Policy is terminated by the Policyholder; 4. with respect to the Death Benefit, the date that the oldest Subscriber reaches age 75; 5. with respect to the Total and Permanent Disability Benefit, the date that the oldest Subscriber reaches age 70; and 6. the date either a Death Benefit or a Total and Permanent Disability Benefit becomes payable; and 7. if a premium remains unpaid for 30 days, at the end of such 30 period. Financial Consumer Agency of Canada If you have a concern and wish to make a complaint, please visit the giraffe & friends website at or call us toll free at for information on our Complaint Resolution process. Please note that consumers may contact the following federal agency in Canada at any time for information and assistance on complaints: Financial Consumer Agency of Canada 427 Laurier Ave. West, 6th Floor Ottawa, Ontario K1R 1B9 Website: 4

5 Policy Schedule Policyholder: Insured: Beneficiary: Age of Insured: Effective Date of Insurance: Policy Number: Premiums Monthly Quarterly Semi-Annual Annual Premium Period 5

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