Exhibit 4 ADD Insurance Policy.pdf

Group Accident Insurance Certificate

Office of the Comptroller of the Currency

Exhibit # 4 Insurance Policy for Accidental Death and Dismemberment

Exhibit # 4

Life Insurance Company of North America 1601 Chestnut Street, Philadelphia, Pennsylvania 19192-2235 A Stock Insurance Company

GROUP ACCIDENT CERTIFICATE

THIS CERTIFICATE PROVIDES LIMITED COVERAGE.

PLEASE READ YOUR CERTIFICATE CAREFULLY.

We, the Life Insurance Company of North America, have issued a Group Policy, OK 960700 to Trustee of the Group Insurance Trust for Employers in the Services Industry.

We certify that we insure all eligible persons who are enrolled according to the terms of the Group Policy. Your coverage will begin according to the terms set forth in the Eligibility and Effective Date provision.

This Certificate describes the benefits and basic provisions of your coverage. It is not the insurance contract and does not waive or alter any terms of the Policy. If questions arise, the Policy language will govern. You may examine the Policy at the office of the Subscriber.

This Certificate replaces all prior Certificates issued to you under the Group Policy.

Gregory H. Wolf, President

THIS CERTIFICATE IS ISSUED UNDER AN ACCIDENT ONLY POLICY. IT DOES NOT PAY

BENEFITS FOR LOSS CAUSED BY SICKNESS.

GA-00-CE1000.00

Exhibit # 4

TABLE OF CONTENTS

SECTION PAGE NUMBER

SCHEDULE OF BENEFITS 1

GENERAL DEFINITIONS 2

ELIGIBILITY AND EFFECTIVE DATE PROVISIONS 4

COMMON EXCLUSIONS 6

CONVERSION PRIVILEGE 7

CLAIM PROVISIONS 8

ADMINISTRATIVE PROVISIONS 10

GENERAL PROVISIONS 11

ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE 12

GA-00-CE1000.00

SCHEDULE OF BENEFITS

This Certificate is intended to be read in its entirety. In order to understand all the conditions, exclusions and limitations applicable to its benefits, please read all the provisions carefully.

The Schedule of Benefits provides a brief outline of your coverage and benefits. Please read the Description of Coverages and Benefits Section for full details.

Subscriber: Office of the Comptroller of the Currency

Effective Date of Subscriber Participation: March 6, 2005

Covered Class: Class 1 - All active, full-time employees classified as Senior Executives in Band 8 and Band 9 regularly working a minimum of 16 hours per week.

This Schedule of Benefits shows maximums, benefit periods and any limitations applicable to benefits provided for each Covered Person unless otherwise indicated. Principal Sum, when referred to in this Schedule, means the Employee’s Principal Sum in effect on the date of the Covered Accident causing the Covered Injury or Covered Loss unless otherwise specified.

Eligibility Waiting Period The Eligibility Waiting Period is the period of time the Employee must be in a Covered Class to be eligible for coverage.

For Employees hired on or before the Policy Effective Date: None For Employees hired after the Policy Effective Date: None

Time Period for Loss:

Any Covered Loss must occur within: 365 days of the Covered Accident

Maximum Age for Insurance: None

BASIC ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

Employee Principal Sum: $300,000

SCHEDULE OF COVERED LOSSES

Covered Loss Benefit Loss of Life 100% of the Principal Sum Loss of Two or More Hands or Feet 100% of the Principal Sum Loss of Sight of Both Eyes 100% of the Principal Sum Loss of One Hand or One Foot and Sight in One Eye 100% of the Principal Sum Loss of One Hand or Foot 50% of the Principal Sum Loss of Sight in One Eye 50% of the Principal Sum Loss of all Four Fingers of the Same Hand 50% of the Principal Sum Loss of Thumb and Index Finger of the Same Hand 25% of the Principal Sum

GA-00-1100.00

GENERAL DEFINITIONS

Please note that certain words used in this Certificate have specific meanings. The words defined below and capitalized within the text of this Certificate have the meanings set forth below.

Active Service An Employee will be considered in Active Service with the Employer on any day that is either of the following:

1. one of the Employer’s scheduled work days on which the Employee is performing his regular duties on a full-time basis, either at one of the Employer’s usual places of business or at some other location to which the Employer’s business requires the Employee to travel;

2. a scheduled holiday, vacation day or period of Employer-approved paid leave of absence, other than sick leave, only if the Employee was in Active Service on the preceding scheduled workday.

Age A Covered Person’s Age, for purposes of initial premium calculations, is his Age attained on the date coverage becomes effective for him under this Policy. Thereafter, it is his Age attained on his last birthday.

Aircraft A vehicle which:

1. has a valid certificate of airworthiness; and

2. is being flown by a pilot with a valid license to operate the Aircraft.

Covered Accident A sudden, unforeseeable, external event that results, directly and independently of all other causes, in a Covered Injury or Covered Loss and meets all of the following conditions:

1. occurs while the Covered Person is insured under this Policy;

2. is not contributed to by disease, Sickness, mental or bodily infirmity;

3. is not otherwise excluded under the terms of this Policy.

Covered Injury Any bodily harm that results directly and independently of all other causes from a Covered Accident.

Covered Loss A loss that is all of the following:

1. the result, directly and independently of all other causes, of a Covered Accident;

2. one of the Covered Losses specified in the Schedule of Covered Losses;

3. suffered by the Covered Person within the applicable time period specified in the Schedule of Benefits.

Covered Person An eligible person, as defined in the Schedule of Benefits, for whom an enrollment form has been accepted by Us and required premium has been paid when due and for whom coverage under this Policy remains in force.

Employee For eligibility purposes, an Employee of the Employer who is in one of the Covered Classes.

Employer The Subscriber and any affiliates, subsidiaries or divisions shown in the Schedule of Covered Affiliates and which are covered under this Policy on the date of issue or subsequently agreed to by Us.

He, His, Him Refers to any individual, male or female.

Hospital An institution that meets all of the following:

1. it is licensed as a Hospital pursuant to applicable law;

2. it is primarily and continuously engaged in providing medical care and treatment to sick and injured persons;

3. it is managed under the supervision of a staff of medical doctors;

4. it provides 24-hour nursing services by or under the supervision of a graduate registered nurse (R.N.);

5. it has medical, diagnostic and treatment facilities, with major surgical facilities on its premises, or available on a prearranged basis;

6. it charges for its services.

The term Hospital does not include a clinic, facility, or unit of a Hospital for:

1. rehabilitation, convalescent, custodial, educational or nursing care;

2. the aged, drug addicts or alcoholics;

3. a Veteran’s Administration Hospital or Federal Government Hospital unless the Covered Person incurs an expense.

Inpatient A Covered Person who is confined for at least one full day’s Hospital room and board. The requirement that a person be charged for room and board does not apply to confinement in a Veteran’s Administration Hospital or Federal Government Hospital and in such case, the term 'Inpatient' shall mean a Covered Person who is required to be confined for a period of at least a full day as determined by the Hospital.

Nurse A licensed graduate Registered Nurse (R.N.), a licensed practical Nurse (L.P.N.) or a licensed vocational Nurse (L.V.N.)

and who is not:

1. employed or retained by the Subscriber;

2. living in the Covered Person’s household; or

3. a parent, sibling, spouse or child of the Covered Person.

Outpatient A Covered Person who receives treatment, services and supplies while not an Inpatient in a Hospital.

Prior Plan The plan of insurance providing similar benefits, sponsored by the Employer in effect immediately prior to this Policy’s Effective Date.

Physician A licensed health care provider practicing within the scope of his license and rendering care and treatment to a Covered Person that is appropriate for the condition and locality and who is not:

1. employed or retained by the Subscriber;

2. living in the Covered Person’s household;

3. a parent, sibling, spouse or child of the Covered Person.

Sickness A physical or mental illness.

Subscriber Any participating organization that subscribes to the trust to which this Policy is issued.

Totally Disabled or Total Disability Totally Disabled or Total Disability means either:

1. inability of the Covered Person who is currently employed to do any type of work for which he is or may become qualified by reason of education, training or experience; or

2. inability of the Covered Person who is not currently employed to perform all of the activities of daily living including eating, transferring, dressing, toileting, bathing, and continence, without human supervision or assistance.

We, Us, Our Life Insurance Company of North America.

You, Your The person to whom the certificate is issued.

GA-00-1200.00

Exhibit # 4

ELIGIBILITY AND EFFECTIVE DATE PROVISIONS

Subscriber Effective Date Accident Insurance Benefits become effective for each Subscriber in consideration of the Subscriber's application, Subscription Agreement and payment of the initial premium when due. Insurance coverage for the Subscriber becomes effective on the Effective Date of Subscriber Participation.

Eligibility An Employee becomes eligible for insurance under this Policy on the date he meets all of the requirements of one of the Covered Classes and completes any Eligibility Waiting Period, as shown in the Schedule of Benefits.

Effective Date for Individuals Insurance becomes effective for an eligible Employee, subject to the Deferred Effective Date provision below, on the latest of the following dates:

1. the effective date of this Policy;

2. the date the Employee becomes eligible.

DEFERRED EFFECTIVE DATE

Active Service The effective date of insurance will be deferred for any Employee who is not in Active Service on the date coverage would otherwise become effective. Coverage will become effective on the later of the date he returns to Active Service and the date coverage would otherwise have become effective.

Life Status Change A Life Status Change is an event that the Employer determines qualifies an Employee to elect or increase accident insurance benefits for himself. Any change in benefit elections must be made within 60 days of a Life Status Change.

Any increases in benefits or added benefits elected under this Life Status Change provision will become effective on the first pay period following the Life Status Change.

The Subscriber should seek advice of its tax advisors if Employees may contribute to the cost of any insurance provided by this Policy with earnings not subject to Federal Income Tax. We cannot provide such advice nor offer any opinions on taxation or tax status of any contributions toward the cost of insurance.

Effective Date of Changes Any increase or decrease in the amount of insurance for the Covered Person resulting from:

1. a change in benefits provided by this Policy; or

2. a change in the Employee’s Covered Class will take effect on the date of such change.

Increases will take effect subject to any Active Service requirement.

TERMINATION OF INSURANCE

The insurance on a Covered Person will end on the earliest date below:

1. the date this Policy or insurance for a Covered Class is terminated;

2. the next premium due date after the date the Covered Person is no longer in a Covered Class or satisfies eligibility requirements under this Policy;

3. the last day of the last period for which premium is paid;

4. the next premium due date after the Covered Person attains the maximum Age for insurance under this Policy.

Termination will not affect a claim for a Covered Loss or Covered Injury that is the result, directly and independently of all other causes, of a Covered Accident that occurs while coverage was in effect.

CONTINUATION OF INSURANCE

We will continue insurance under this Policy for of a covered Employee who dies, without payment of premium for 12 months. The : (a) must have been insured under this Policy on the date the Employee died; and (b) must continue to meet all other requirements for eligibility. Coverage continued under this provision will terminate on the earlier of the end of the 12th month and the date the ceases to meet all other requirements for eligibility.

Continuation for Layoff, Leave of Absence, Family Medical Leave or Disability Insurance for an Employee and Covered Dependents may be continued until the earliest of the following dates if: (a) an Employee is on a temporary layoff, an Employer-approved leave of absence or an Employer-approved family medical leave, or if the Employee is on disability and (b) required premium contributions are paid when due.

1. for a layoff: twelve months after the end of the month in which the layoff begins;

2. for an Employer-approved leave of absence: twelve months after the end of the month in which the leave begins;

3. for an Employer-approved family medical leave: 12 weeks in a consecutive 12-month period;

4. for disability: twelve months after the end of the month in which the disability begins.

GA-00-1300.00

COMMON EXCLUSIONS

In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section:

1. intentionally self-inflicted Injury, suicide or any attempt thereat while sane or insane;

2. commission or attempt to commit a felony or an assault;

3. commission of or active participation in a riot or insurrection;

4. bungee jumping; parachuting; skydiving; parasailing; hang-gliding;

5. declared or undeclared war or act of war;

6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface, except as:

a. a fare-paying passenger on a regularly scheduled commercial or charter airline;

b. a passenger in a non-scheduled, private Aircraft used for pleasure purposes with no commercial intent during the flight;

c. a passenger in a military Aircraft flown by the Air Mobility Command or its foreign equivalent;

7. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

8. travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be 'controlled' by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;

9. a Covered Accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days.

10. the Covered Person’s intoxication as determined according to the laws of the jurisdiction in which the Covered Accident occurred;

11. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

12. in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:

a. employed or retained by the Subscriber;

b. providing homeopathic, aroma-therapeutic or herbal therapeutic services;

c. living in the Covered Person’s household;

d. a parent, sibling, spouse or child of the Covered Person.

GA-00-1400.00

CONVERSION PRIVILEGE

1. If the Covered Person’s insurance or any portion of it ends for any of the following reasons:

a. employment or membership ends;

b. eligibility ends (except for age);

the Covered Person may have Us issue converted accident insurance on an individual policy or an individual certificate under a designated group policy. The Covered Person may apply for an amount of coverage that is:

a. in $1,000 increments;

b. not less than $25,000, regardless of the amount of insurance under the group policy; and

c. not more than the amount of insurance he had under the group policy, except as provided above, up to a maximum amount of $250,000.

The Covered Person must be under age 70 to get a converted policy.

If the Covered Person’s insurance or any portion of it ends for non-payment of premium, he may not convert. If the Covered Person’s insurance ends for a reason described in 2. below, conversion is subject to that section.

The converted policy or certificate will cover accidental death and dismemberment. The policy or certificate will not contain disability or other additional benefits. The Covered Person need not show Us that he is insurable.

If the Covered Person has converted his group coverage and later becomes insured under the same group plan as before, he may not convert a second time unless he provides, at his own expense, proof of insurability or proof the prior converted policy is no longer in force.

The Covered Person must apply for the individual policy within 31 days after his coverage under this Group Policy ends and pay the required premium, based on Our table of rates for such policies, his Age and class of risk. If the Covered Person has assigned ownership of his group coverage, the owner/assignee must apply for the individual policy.

If the Covered Person dies during this 31-day period as the result of an accident that would have been covered under this Group Policy, We will pay as a claim under this Group Policy the amount of insurance that the Covered Person was entitled to convert. It does not matter whether the Covered Person applied for the individual policy or certificate.

If such policy or certificate is issued, it will be in exchange for any other benefits under this Group Policy.

The individual policy or certificate will take effect on the day following the date coverage under the Group Policy ended; or, if later, the date application is made.

Exclusions The converted policy may exclude the hazards or conditions that apply to the Covered Person’s group coverage at the time it ends. We will reduce payment under the converted policy by the amount of any benefits paid under the group policy if both cover the same loss.

2. If the Covered Person’s insurance ends because this Group Policy is terminated or is amended to terminate insurance for the Covered Person’s class, and he has been covered under this Group Policy for at least five years, the Covered Person may have Us issue an individual policy or certificate of accident insurance subject to the same terms, conditions and limitations listed above. However, the amount he may apply for will be limited to the lesser of the following:

a. coverage under this Group Policy less any amount of group accident insurance for which he is eligible on the date this Group Policy is terminated or for which he became eligible within 31 days of such termination, or

b. $10,000.

GA-01-1500.00

CLAIM PROVISIONS

Notice of Claim Written or authorized electronic/telephonic notice of claim must be given to Us within 31 days after a Covered Loss occurs or begins or as soon as reasonably possible. If written or authorized electronic/telephonic notice is not given in that time, the claim will not be invalidated or reduced if it is shown that written or authorized electronic/telephonic notice was given as soon as was reasonably possible. Notice can be given to Us at Our Home Office in Philadelphia, Pennsylvania, such other place as We may designate for the purpose, or to Our authorized agent. Notice should include the Subscriber's name and policy number and the Covered Person’s name, address, policy and certificate number.

Claim Forms We will send claim forms for filing proof of loss when We receive notice of a claim. If such forms are not sent within 15 days after We receive notice, the proof requirements will be met by submitting, within the time fixed in this Policy for filing proof of loss, written or authorized electronic proof of the nature and extent of the loss for which the claim is made.

Claimant Cooperation Provision Failure of a claimant to cooperate with Us in the administration of the claim may result in termination of the claim. Such cooperation includes, but is not limited to, providing any information or documents needed to determine whether benefits are payable or the actual benefit amount due.

Proof of Loss Written or authorized electronic proof of loss satisfactory to Us must be given to Us at Our office, within 90 days of the loss for which claim is made. If (a) benefits are payable as periodic payments and (b) each payment is contingent upon continuing loss, then proof of loss must be submitted within 90 days after the termination of each period for which We are liable. If written or authorized electronic notice is not given within that time, no claim will be invalidated or reduced if it is shown that such notice was given as soon as reasonably possible. In any case, written or authorized electronic proof must be given not more than one year after the time it is otherwise required, except if proof is not given solely due to the lack of legal capacity.

Time of Payment of Claims We will pay benefits due under this Policy for any loss other than a loss for which this Policy provides any periodic payment immediately upon receipt of due written or authorized electronic proof of such loss. Subject to due written or authorized electronic proof of loss, all accrued benefits for loss for which this Policy provides periodic payment will be paid monthly unless otherwise specified in the benefits descriptions and any balance remaining unpaid at the termination of liability will be paid immediately upon receipt of proof satisfactory to Us.

Payment of Claims All benefits will be paid in United States currency. Benefits for loss of life will be payable in accordance with the Beneficiary provision and these Claim Provisions. All other proceeds payable under this Policy, unless otherwise stated, will be payable to the covered Employee or to his estate.

If We are to pay benefits to the estate or to a person who is incapable of giving a valid release, We may pay $1,000 to a relative by blood or marriage whom We believe is equitably entitled. Any payment made by Us in good faith pursuant to this provision will fully discharge Us to the extent of such payment and release Us from all liability.

Physical Examination and Autopsy We, at Our own expense, have the right and opportunity to examine You when and as often as We may reasonably require while a claim is pending and to make an autopsy in case of death where it is not forbidden by law.

Legal Actions No action at law or in equity may be brought to recover under this Policy less than 60 days after written or authorized electronic proof of loss has been furnished as required by this Policy. No such action will be brought more than three years after the time such written proof of loss must be furnished.

Beneficiary The beneficiary is the person or persons You name or change on a form executed by You and satisfactory to Us. This form may be in writing or by any electronic means agreed upon between Us and the Subscriber. Consent of the beneficiary is not required to affect any changes, unless the beneficiary has been designated as an irrevocable beneficiary, or to make any assignment of rights or benefits permitted by this Policy.

A beneficiary designation or change will become effective on the date You execute it. However, We will not be liable for any action taken or payment made before We record notice of the change at our Home Office.

If more than one person is named as beneficiary, the interests of each will be equal unless You have specified otherwise.

The share of any beneficiary who does not survive You will pass equally to any surviving beneficiaries unless otherwise specified.

If there is no named beneficiary or surviving beneficiary, or if You die while benefits are payable to You, We may make direct payment to the first surviving class of the following classes of persons:

1. spouse;

2. child or children;

3. mother or father;

4. sisters or brothers;

5. your estate.

Recovery of Overpayment If benefits are overpaid, We have the right to recover the amount overpaid by either of the following methods.

1. A request for lump sum payment of the overpaid amount.

2. A reduction of any amounts payable under this Policy.

If there is an overpayment due when You die, We may recover the overpayment from Your estate.

GA-00-CE1600.00

Exhibit # 4

ADMINISTRATIVE PROVISIONS

Premiums All premium rates are expressed in, and all premiums are payable in, United States currency. The premiums for this Policy will be based on the rates set forth in the Policy, the plan and amounts of insurance in effect. If Your insurance amounts are reduced due to age, premium will be based on the amounts of insurance in force on the day before the reduction took place.

GA-00-CE1700.00

GENERAL PROVISIONS

Misstatement of Fact If You have misstated any fact, all amounts payable under this Policy will be such as the premium paid would have purchased had such fact been correctly stated.

Multiple Certificates You may have in force only one certificate or insurance at a time under this Policy. If at any time You have been issued more than one certificate, then only the largest shall be in effect. We will refund premiums paid for the others for any period of time that more than one certificate was issued.

Assignment We will be bound by an assignment of a Covered Person's insurance under this Policy only when the original assignment or a certified copy of the assignment, signed by the Covered Person and any irrevocable beneficiary, is filed with Us. The assignee may exercise all rights and receive all benefits assigned only while the assignment remains in effect and insurance under this Policy and the Covered Person’s certificate remains in force.

Incontestability of Your Insurance All statements made by You are considered representations and not warranties. No statement will be used to deny or reduce benefits or be used as a defense to a claim, unless a copy of the instrument containing the statement is, or has been, furnished to the claimant.

After two years from Your effective date of insurance, or from the effective date of increased benefits, no such statement will cause insurance or the increased benefits to be contested except for fraud or lack of eligibility for insurance.

In the event of death or incapacity, the beneficiary or representative shall be given a copy.

Clerical Error Insurance for You will not be affected by error or delay in keeping records of insurance under this Policy. If such error or delay is found, We will adjust the premium fairly.

Policy Changes We may agree with the Subscriber to modify a plan of benefits without Your consent.

Workers’ Compensation Insurance This Policy is not in place of and does not affect any requirements for coverage under any Workers’ Compensation law.

GA-00-CE1800.00

Exhibit # 4

DESCRIPTION OF COVERAGES AND BENEFITS

This Description of Coverages and Benefits Section describes the Accident Coverages and Benefits provided to You.

Benefit amounts, benefit periods and any applicable aggregate and benefit maximums are shown in the Schedule of Benefits. Certain words capitalized in the text of these descriptions have special meanings within this Certificate and are defined in the General Definitions section. Please read these and the Common Exclusions sections in order to understand all of the terms, conditions and limitations applicable to these coverages and benefits.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

Covered Loss We will pay the benefit for any one of the Covered Losses listed in the Schedule of Benefits, if the

Covered Person suffers a Covered Loss resulting directly and independently of all other causes from a Covered Accident within the applicable time period specified in the Schedule of Benefits.

If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, benefits will be paid for the Covered Loss for which the largest available benefit is payable. If the loss results in death, benefits will only be paid under the Loss of Life benefit provision. Any Loss of Life benefit will be reduced by any paid or payable Accidental Dismemberment benefit. However, if such Accidental Dismemberment benefit equals or exceeds the Loss of Life benefit, no additional benefit will be paid.

Definitions Loss of a Hand or Foot means complete Severance through or above the wrist or ankle joint.

Loss of Sight means the total, permanent loss of all vision in one eye which is irrecoverable by natural, surgical or artificial means.

Loss of a Thumb and Index Finger of the Same Hand or Four Fingers of the Same Hand means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand).

Severance means the complete and permanent separation and dismemberment of the part from the body.

Exclusions The exclusions that apply to this benefit are in the Common Exclusions section.

GA-00-2100.00

Exhibit # 4

UNDERWRITTEN BY:

LIFE INSURANCE COMPANY OF NORTH AMERICA

a CIGNA company

Class 1

04/2005

CIGNA Group Insurance Life • Accident • Disability

Office of the Comptroller of the Currency

Exhibit # 4

PLEASE READ YOUR CERTIFICATE CAREFULLY.

We, the Life Insurance Company of North America, have issued a Group Policy, OK 960700 to Trustee of the Group Insurance Trust for Employers in the Services Industry.

We certify that we insure all eligible persons who are enrolled according to the terms of the Group Policy. Your coverage will begin according to the terms set forth in the Eligibility and Effective Date provision.

This Certificate describes the benefits and basic provisions of your coverage. It is not the insurance contract and does not waive or alter any terms of the Policy. If questions arise, the Policy language will govern. You may

GA-00-CE1000.00

Exhibit # 4

GENERAL DEFINITIONS 3

ELIGIBILITY AND EFFECTIVE DATE PROVISIONS 6

COMMON EXCLUSIONS 8

CONVERSION PRIVILEGE 9

CLAIM PROVISIONS 10

ADMINISTRATIVE PROVISIONS 12

GENERAL PROVISIONS 13

ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE 14

This Certificate is intended to be read in its entirety. In order to understand all the conditions, exclusions and limitations applicable to its benefits, please read all the provisions carefully.

The Schedule of Benefits provides a brief outline of your coverage and benefits. Please read the Description of Coverages and Benefits Section for full details.

Subscriber: Office of the Comptroller of the Currency

Effective Date of Subscriber Participation: March 6, 2005

Covered Class: Class 2 - All active permanent Employees of the Employer and Full-time temporary Employees of the

Employer whose appointment ismore than one year and consists of a prearranged, regularly scheduled tour of duty, excluding Senior Executives in Band 8 and Band 9.

This Schedule of Benefits shows maximums, benefit periods and any limitations applicable to benefits provided for each Covered Person unless otherwise indicated. Principal Sum, when referred to in this Schedule, means the Employee’s Principal Sum in effect on the date of the Covered Accident causing the Covered Injury or Covered Loss unless otherwise specified.

The Eligibility Waiting Period is the period of time the Employee must be in a Covered Class to be eligible for coverage.

Employee Principal Sum:

Age of Employee Benefit Amount 35 or younger (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (2).

Age 36 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.9).

Age 37 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.8).

Age 38 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.7).

Age 39 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.6).

Age 40 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.5).

Age 41 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.4).

Age 42 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.3).

Age 43 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.2).

Age 44 (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000 times (1.1).

Age 45 and over (1) times annual adjusted base compensation rounded to the next higher $1,000 plus $2,000.

The maximum coverage for all ages is : $300,000

Loss of Two or More Hands or Feet 100% of the Principal Sum Loss of Sight of Both Eyes 100% of the Principal Sum Loss of One Hand or One Foot and Sight in One Eye 100% of the Principal Sum Loss of One Hand or Foot 50% of the Principal Sum Loss of Sight in One Eye 50% of the Principal Sum Loss of all Four Fingers of the Same Hand 50% of the Principal Sum

Please note that certain words used in this Certificate have specific meanings. The words defined below and capitalized within the text of this Certificate have the meanings set forth below.

Active Service An Employee will be considered in Active Service with the Employer on any day that is either of the following:

1. one of the Employer’s scheduled work days on which the Employee is performing his regular duties on a full-time basis, either at one of the Employer’s usual places of business or at some other location to which the Employer’s business requires the Employee to travel;

2. a scheduled holiday, vacation day or period of Employer-approved paid leave of absence, other than sick leave, only if

A Covered Person’s Age, for purposes of initial premium calculations, is his Age attained on the date coverage becomes effective for him under this Policy. Thereafter, it is his Age attained on his last birthday.

Aircraft A vehicle which:

1. has a valid certificate of airworthiness; and

2. is being flown by a pilot with a valid license to operate the Aircraft.

Annual Compensation An Employee's annual earnings for normal work established by the Subscriber for his job classification, excluding commissions, bonuses or overtime.

Covered Accident A sudden, unforeseeable, external event that results, directly and independently of all other causes, in a Covered Injury or Covered Loss and meets all of the following conditions:

1. occurs while the Covered Person is insured under this Policy;

2. is not contributed to by disease, Sickness, mental or bodily infirmity;

3. is not otherwise excluded under the terms of this Policy.

Covered Injury Any bodily harm that results directly and independently of all other causes from a Covered Accident.

Covered Loss A loss that is all of the following:

1. the result, directly and independently of all other causes, of a Covered Accident;

2. one of the Covered Losses specified in the Schedule of Covered Losses;

3. suffered by the Covered Person within the applicable time period specified in the Schedule of Benefits.

Covered Person An eligible person, as defined in the Schedule of Benefits, for whom an enrollment form has been accepted by Us and required premium has been paid when due and for whom coverage under this Policy remains in force.

Employee For eligibility purposes, an Employee of the Employer who is in one of the Covered Classes.

Employer The Subscriber and any affiliates, subsidiaries or divisions shown in the Schedule of Covered Affiliates and which are covered under this Policy on the date of issue or subsequently agreed to by Us.

He, His, Him Refers to any individual, male or female.

Hospital An institution that meets all of the following:

1. it is licensed as a Hospital pursuant to applicable law;

2. it is primarily and continuously engaged in providing medical care and treatment to sick and injured persons;

3. it is managed under the supervision of a staff of medical doctors;

4. it provides 24-hour nursing services by or under the supervision of a graduate registered nurse (R.N.);

5. it has medical, diagnostic and treatment facilities, with major surgical facilities on its premises, or available on a prearranged basis;

6. it charges for its services.

The term Hospital does not include a clinic, facility, or unit of a Hospital for:

1. rehabilitation, convalescent, custodial, educational or nursing care;

2. the aged, drug addicts or alcoholics;

3. a Veteran’s Administration Hospital or Federal Government Hospital unless the Covered Person incurs an expense.

Inpatient A Covered Person who is confined for at least one full day’s Hospital room and board. The requirement that a person be charged for room and board does not apply to confinement in a Veteran’s Administration Hospital or Federal Government Hospital and in such case, the term 'Inpatient' shall mean a Covered Person who is required to be confined for a period of at least a full day as determined by the Hospital.

Nurse A licensed graduate Registered Nurse (R.N.), a licensed practical Nurse (L.P.N.) or a licensed vocational Nurse (L.V.N.)

and who is not:

1. employed or retained by the Subscriber;

2. living in the Covered Person’s household; or

3. a parent, sibling, spouse or child of the Covered Person.

Outpatient A Covered Person who receives treatment, services and supplies while not an Inpatient in a Hospital.

Prior Plan The plan of insurance providing similar benefits, sponsored by the Employer in effect immediately prior to this Policy’s Effective Date.

Physician A licensed health care provider practicing within the scope of his license and rendering care and treatment to a Covered Person that is appropriate for the condition and locality and who is not:

1. employed or retained by the Subscriber;

2. living in the Covered Person’s household;

3. a parent, sibling, spouse or child of the Covered Person.

Sickness A physical or mental illness.

Subscriber Any participating organization that subscribes to the trust to which this Policy is issued.

Totally Disabled or Total Disability Totally Disabled or Total Disability means either:

1. inability of the Covered Person who is currently employed to do any type of work for which he is or may become qualified by reason of education, training or experience; or

2. inability of the Covered Person who is not currently employed to perform all of the activities of daily living including eating, transferring, dressing, toileting, bathing, and continence, without human supervision or assistance.

We, Us, Our Life Insurance Company of North America.

You, Your The person to whom the certificate is issued.

GA-00-1200.00

Exhibit # 4

Subscriber Effective Date Accident Insurance Benefits become effective for each Subscriber in consideration of the Subscriber's application, Subscription Agreement and payment of the initial premium when due. Insurance coverage for the Subscriber becomes effective on the Effective Date of Subscriber Participation.

Eligibility An Employee becomes eligible for insurance under this Policy on the date he meets all of the requirements of one of the Covered Classes and completes any Eligibility Waiting Period, as shown in the Schedule of Benefits.

Effective Date for Individuals Basic Accidental Death and Dismemberment Benefits Insurance becomes effective for an eligible Employee, subject to the Deferred Effective Date provision below, on the latest of the following dates:

1. the effective date of this Policy;

2. the date the Employee becomes eligible.

Voluntary Accidental Death and Dismemberment Benefits Insurance becomes effective for an eligible Employee who applies and agrees to make required contributions within 31 days of eligibility, and subject to the Deferred Effective Date provision below, on the latest of the following dates:

1. the effective date of this Policy;

2. the date the Employee becomes eligible;

3. the date We receive the Employee’s completed enrollment form and the required first premium, during his lifetime.

The effective date of insurance will be deferred for any Employee who is not in Active Service on the date coverage would otherwise become effective. Coverage will become effective on the later of the date he returns to Active Service and the date coverage would otherwise have become effective.

Life Status Change A Life Status Change is an event that the Employer determines qualifies an Employee to elect or increase accident insurance benefits for himself. Any change in benefit elections must be made within 60 days of a Life Status Change.

Any increases in benefits or added benefits elected under this Life Status Change provision will become effective on the first pay period following the Life Status Change.

The Subscriber should seek advice of its tax advisors if Employees may contribute to the cost of any insurance provided by this Policy with earnings not subject to Federal Income Tax. We cannot provide such advice nor offer any opinions on taxation or tax status of any contributions toward the cost of insurance.

Effective Date of Changes Any increase or decrease in the amount of insurance for the Covered Person resulting from:

1. a change in benefits provided by this Policy; or

1. the date this Policy or insurance for a Covered Class is terminated;

2. the next premium due date after the date the Covered Person is no longer in a Covered Class or satisfies eligibility requirements under this Policy;

3. the last day of the last period for which premium is paid;

4. the next premium due date after the Covered Person attains the maximum Age for insurance under this Policy.

Exhibit # 4

Termination will not affect a claim for a Covered Loss or Covered Injury that is the result, directly and independently of all

CONTINUATION OF INSURANCE

We will continue insurance under this Policy for of a covered Employee who dies, without payment of premium for 12 months. The : (a) must have been insured under this Policy on the date the Employee died; and (b) must continue to meet all other requirements for eligibility. Coverage continued under this provision will terminate on the earlier of the end of the 12th month and the date the ceases to meet all other requirements for eligibility.

Continuation for Layoff, Leave of Absence, Family Medical Leave or Disability Insurance for an Employee and Covered Dependents may be continued until the earliest of the following dates if: (a) an Employee is on a temporary layoff, an Employer-approved leave of absence or an Employer-approved family medical leave, or if the Employee is on disability and (b) required premium contributions are paid when due.

1. for a layoff: twelve months after the end of the month in which the layoff begins;

2. for an Employer-approved leave of absence: twelve months after the end of the month in which the leave begins;

3. for an Employer-approved family medical leave: 12 weeks in a consecutive 12-month period

In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section:

1. intentionally self-inflicted Injury, suicide or any attempt thereat while sane or insane;

2. commission or attempt to commit a felony or an assault;

3. commission of or active participation in a riot or insurrection;

4. bungee jumping; parachuting; skydiving; parasailing; hang-gliding;

5. declared or undeclared war or act of war;

6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface, except as:

a. a fare-paying passenger on a regularly scheduled commercial or charter airline;

b. a passenger in a non-scheduled, private Aircraft used for pleasure purposes with no commercial intent during the flight;

c. a passenger in a military Aircraft flown by the Air Mobility Command or its foreign equivalent;

7. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

8. travel in any Aircraft owned, leased or controlled by the Subscriber, or any of its subsidiaries or affiliates. An Aircraft will be deemed to be 'controlled' by the Subscriber if the Aircraft may be used as the Subscriber wishes for more than 10 straight days, or more than 15 days in any year;

9. a Covered Accident that occurs while engaged in the activities of active duty service in the military, navy or air force of any country or international organization. Covered Accidents that occur while engaged in Reserve or National Guard training are not excluded until training extends beyond 31 days.

10. the Covered Person’s intoxication as determined according to the laws of the jurisdiction in which the Covered Accident occurred;

11. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

12. in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:

a. employed or retained by the Subscriber;

b. providing homeopathic, aroma-therapeutic or herbal therapeutic services;

1. If the Covered Person’s insurance or any portion of it ends for any of the following reasons:

a. employment or membership ends;

b. eligibility ends (except for age);

the Covered Person may have Us issue converted accident insurance on an individual policy or an individual certificate under a designated group policy. The Covered Person may apply for an amount of coverage that is:

a. in $1,000 increments;

b. not less than $25,000, regardless of the amount of insurance under the group policy; and

c. not more than the amount of insurance he had under the group policy, except as provided above, up to a maximum

If the Covered Person’s insurance or any portion of it ends for non-payment of premium, he may not convert. If the Covered Person’s insurance ends for a reason described in 2. below, conversion is subject to that section.

The converted policy or certificate will cover accidental death and dismemberment. The policy or certificate will not contain disability or other additional benefits. The Covered Person need not show Us that he is insurable.

If the Covered Person has converted his group coverage and later becomes insured under the same group plan as before, he may not convert a second time unless he provides, at his own expense, proof of insurability or proof the prior converted policy is no longer in force.

The Covered Person must apply for the individual policy within 31 days after his coverage under this Group Policy ends and pay the required premium, based on Our table of rates for such policies, his Age and class of risk. If the Covered Person has assigned ownership of his group coverage, the owner/assignee must apply for the individual policy.

If the Covered Person dies during this 31-day period as the result of an accident that would have been covered under this Group Policy, We will pay as a claim under this Group Policy the amount of insurance that the Covered Person was entitled to convert. It does not matter whether the Covered Person applied for the individual policy or certificate.

If such policy or certificate is issued, it will be in exchange for any other benefits under this Group Policy.

The individual policy or certificate will take effect on the day following the date coverage under the Group Policy ended; or, if later, the date application is made.

Exclusions The converted policy may exclude the hazards or conditions that apply to the Covered Person’s group coverage at the time it ends. We will reduce payment under the converted policy by the amount of any benefits paid under the group

2. If the Covered Person’s insurance ends because this Group Policy is terminated or is amended to terminate insurance for the Covered Person’s class, and he has been covered under this Group Policy for at least five years, the Covered Person may have Us issue an individual policy or certificate of accident insurance subject to the same terms, conditions and limitations listed above. However, the amount he may apply for will be limited to the lesser of the following:

a. coverage under this Group Policy less any amount of group accident insurance for which he is eligible on the date this Group Policy is terminated or for which he became eligible within 31 days of such termination, or

Notice of Claim Written or authorized electronic/telephonic notice of claim must be given to Us within 31 days after a Covered Loss occurs or begins or as soon as reasonably possible. If written or authorized electronic/telephonic notice is not given in that time, the claim will not be invalidated or reduced if it is shown that written or authorized electronic/telephonic notice was given as soon as was reasonably possible. Notice can be given to Us at Our Home Office in Philadelphia, Pennsylvania, such other place as We may designate for the purpose, or to Our authorized agent. Notice should include the Subscriber's name and policy number and the Covered Person’s name, address, policy and certificate number.

Claim Forms We will send claim forms for filing proof of loss when We receive notice of a claim. If such forms are not sent within 15 days after We receive notice, the proof requirements will be met by submitting, within the time fixed in this Policy for filing proof of loss,…