AAD Group Accidental Death & Dismemberment Insurance Plan. Frequently Asked Questions

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1 Frequently Asked Questions 1. Who is eligible? All AAD members in good standing who are under age 65 are eligible to enroll for this plan. If the Family Plan is selected, you may also enroll your lawful spouse under age 65 and your unmarried dependent children typically under the age of 19 (25 if a full-time student) (Subject to state variations.) No medical exam is required. 2. How much coverage can I get? You can choose benefits amounts ranging from $25,000 to $500,000 in increments of $25,000. If the Family Plan is selected, benefit amounts for your insured spouse and dependent child(ren) will be based on the composition of your family at the time of loss. If you, your spouse and your child(ren) are insured, your spouse will be covered for 50% of the full benefit amount you select and your children will be covered for 10% of your full benefit amount. If only you and your spouse are insured at the time of loss, your spouse will be covered for 60% of your full benefit amount. If only you and your dependent child(ren) are insured at the time of loss, your children will be covered for 15% of your full benefit amount. On the date you and your spouse, if enrolling for family coverage, attain age 70, your full benefit amount will be reduced to a maximum of $100, How much does coverage cost? You can select the maximum benefit amount that is right for you. You have the option to purchase up to $500,000 of AD&D coverage. Take advantage of the attractive group rates this plan has to offer. The annual premium rates for this coverage are: Member Only Plan - $.72 per $1,000 per year Family Plan - $ 1.08 per $1,000 per year (Includes member, spouse and/or children) 4. What are the benefits provided under this plan and how does this plan work? Benefits under this Accidental Death and Dismemberment Insurance Plan are payable in addition to any medical or other insurance plans you may have. Benefits can be used to cover final expenses, medical costs, or to invest for long range income replacement. You select your benefit amount to insure yourself or your whole family. Benefits for the loss of your life will be paid to your beneficiary. Benefits for any other losses will be paid directly to you. In addition, benefits payable for your insured dependent spouse and child(ren) will be paid to you.

2 If an insured person suffers a loss solely as a result of an injury caused by an accident, and due proof of such loss is received, the insurance company will pay the benefit amounts described below. The accident must happen while the person is insured and the loss must occur within 365 days after the date of that accident. Percentage of For Loss of: Full Benefit Amount Life 100% Both hands or both feet 100% Sight of both eyes 100% One hand and one foot 100% One hand and sight of one eye 100% One foot and sight of one eye 100% Speech and hearing 100% Movement- of both upper and lower limbs (quadriplegia) 100% Movement of both lower limbs (paraplegia) 75% One hand or one foot 50% Sight of one eye 50% Speech 50% Hearing 50% Both upper and lower limbs of one side of the body (hemiplegia) 50% Thumb and index finger of either hand 25% Loss of sight means total loss of sight which cannot be restored by surgical or other means. Loss of hand means that a hand is permanently severed at or above the wrist. Loss of foot means that a foot is permanently severed at or above the ankle. Loss of speech or hearing means entire and irrecoverable loss thereof, which cannot be restored by surgical or mechanical means. Loss of thumb and index finger means actual severance through or above the metacarpophalangeal joints. Loss of movement means complete and irreversible paralysis with reference to limbs. If a person suffers more than one loss due to any one accident, payment will be made only for that loss for which the largest amount is payable. If a benefit for Loss Of Movement is paid, no further benefits are payable for any loss of such limb(s) from a subsequent accident. Consider These Additional Benefits Included With This Plan Escalator Benefit A 2% increase in your original full benefit amount will be offered on your renewal date following the completion of 24 months of coverage, with a proportionate increase in premium. This increase will occur automatically each renewal date for 10 years or until: 1) your attainment of age 70; 2) when the total of all such increases reaches 10% of your original full benefit amount; or 3) you decline to pay the appropriate premium for the increased amount.

3 If you at any time choose not to pay the appropriate premium for an increased amount, further increased amounts will not be available. This increase applies only to your full benefit amount. Benefit amounts for covered dependents will not be increased. Educational Assistance Benefit If the benefit for Loss of Life under the group policy is payable with respect to you, an additional education benefit will be paid to your insured dependent child(ren) if: 1) your coverage includes coverage for dependent children; and 2) the insured dependent child(ren) is/are enrolled as a full-time student at an institution of higher learning on the date you die, or become enrolled within 365 days after the date of death. The education benefit will be paid annually with respect to each insured dependent child. The amount of the education benefit for each eligible insured dependent child will be equal to the lesser of: 2% of your full benefit amount; or $5,000 and will continue to be paid until the earlier of: the end of 4 consecutive years from the date you die; or the date the child is no longer enrolled as a full-time student at an institution of higher learning. 5. When will my coverage begin? Your insurance will become effective on the date your Enrollment Form is accepted, provided the required premium has been paid. You must be able to perform the normal activities of a person of like age and sex, with like occupation or retired status on the date your insurance takes effect. If you are not, your insurance will take effect on the day you resume such activities. 6. When does coverage end? Your Insurance will end at the earliest of: the date the group policy ends; the date insurance ends for your class; the date you cease to be a member in good standing with AAD; the date you attain age 75; or if your premium is not paid when due. In addition, insurance for your dependent spouse and child(ren) will end at the earliest of: the date your insurance ends under the group policy; the date dependents' insurance ends under the group policy; if premium is not paid for the dependent when due; with respect to spouses, the date the spouse attains age 75 or the date marriage ends by divorce or annulment; and with respect to children; the date the person ceases to be a dependent. 7. Are there any Exclusions or and Limitations I need to know about? Yes. No benefits will be paid for any loss that results from or is caused directly, indirectly, wholly or partly by: suicide; or intentionally self-inflicted injury; a war or an act of war; insurrection; a physical or mental sickness, or treatment of that sickness; voluntary intake of poison, drugs, gas or fumes, unless taken as prescribed by physician; committing a crime, or an attempt to do so; being intoxicated or under the influence of any drug, unless taken as prescribed by a physician;

4 flight in any type of aircraft, unless you travel as a fare paying passenger, or on a pass, and if: - the aircraft is licensed to carry passengers - the carrier is licensed to fly such aircraft - the aircraft is flown by a licensed pilot, and - the flight is regularly scheduled between established airports 11. What if I m not satisfied with the plan coverage? Upon acceptance of your Enrollment Form and initial premium payment, you will be sent a Certificate of Insurance. If you are not completely satisfied with your AAD Group Accidental Death and Dismemberment Insurance coverage, simply return your certificate (without claim) within 30 days of receipt for complete refund of premiums with no further obligation. Have Questions? If you have additional questions, call toll-free at: or if you prefer, complete a Contact Us form and send it to us. We will do our best to respond to your inquiry or comment immediately. How to Enroll 1. Complete the brief Enrollment Form, and check the benefit plan of your choice. Plans not available in Oregon and Tennessee. NY, NJ, ND, LA, UT also excluded. 2. Mail your completed Enrollment Form to: Plan Administrator Affinity Insurance Services, Inc. 159 East County Line Road Hatboro, PA 1904 Underwritten by: This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281, licensed in all states, plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No.G-610,051, Form No. G Coverage may vary or may not be available in all states. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by The United States Life Insurance Company in the City of New York (United States Life) are its responsibility.

5 The most prominent independent ratings agencies continue to recognize the United States Life Insurance Company in the City of New York in terms of insurer financial strength. For current insurer financial strength ratings, please consult the Web site at AG-9587 The underwriting risks, financial and contractual obligations and support functions associated with the products issued by The United States Life Insurance Company in the City of New York (United States Life) are not the responsibility of Affinity Insurance Services, Inc. The AAD Insurance Program is administered by Aon Affinity, a division of Affinity Insurance Services, Inc.(AR ); in CA, MN & OK, AIS Affinity Insurance Agency, Inc. (CA ); in CA, Aon Affinity Insurance Services, Inc. (0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY and NH, AIS Affinity Insurance Agency Affinity Insurance Services, Inc. B W