The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss. The Principal Sum is shown on the Schedule of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses. TABLE OF LOSSES Loss of: Percentage of Principal Sum: Life 100% Both hands or both feet 100% Sight of both eyes 100% One hand and one foot 100% Either hand or foot and sight of one eye 100% Either hand or foot 50% Sight of one eye 50% Speech and hearing in both ears 100% Speech 50% Hearing in both ears 50% Thumb and index finger of same hand 25% "Loss" with regard to: 1. hand or foot, means actual complete severance through and above the wrist or ankle joints; 2. eye means an entire and irrecoverable Loss of sight; 3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and 4. thumb and index finger mean actual severance through or above the joint that meets the finger at the palm. EXPOSURE The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss. The Principal Sum is shown on the Schedule of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses. TABLE OF LOSSES Loss of: Percentage of Principal Sum: Life 100% Both hands or both feet 100% Sight of both eyes 100% One hand and one foot 100% Either hand or foot and sight of one eye 100% Either hand or foot 50% Sight of one eye 50% Speech and hearing in both ears 100% Speech 50% Hearing in both ears 50% Thumb and index finger of same hand 25% "Loss" with regard to: 1. hand or foot, means actual complete severance through and above the wrist or ankle joints; 2. eye means an entire and irrecoverable Loss of sight; 3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and 4. thumb and index finger mean actual severance through or above the joint that meets the finger at the palm. EXPOSURE The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss. The Principal Sum is shown on the Schedule of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses. TABLE OF LOSSES Loss of: Percentage of Principal Sum: Life 100% Both hands or both feet 100% Sight of both eyes 100% One hand and one foot 100% Either hand or foot and sight of one eye 100% Either hand or foot 50% Sight of one eye 50% Speech and hearing in both ears 100% Speech 50% Hearing in both ears 50% Thumb and index finger of same hand 25% "Loss" with regard to: 1. hand or foot, means actual complete severance through and above the wrist or ankle joints; 2. eye means an entire and irrecoverable Loss of sight; 3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and 4. thumb and index finger mean actual severance through or above the joint that meets the finger at the palm. EXPOSURE The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.