Exhibit 5 CIGNA-ST-ST-DIS-CLARIFICATIONS.pdf.lnk.pdf

Group Life Insurance Certificate

Office of the Comptroller of the Currency

Exhibit # 5 Insurance Policy for Optional Coverage

Exhibit # 5

IMPORTANT NOTICES

If you reside in one of the following states, please read the important notices below:

Arizona, Florida and Maryland residents:

The group policy is issued in the state of Delaware and will be governed by its laws. If you reside in a state other than Delaware, this certificate of insurance may not provide all of the benefits and protections provided by the laws of your state. PLEASE READ

YOUR CERTIFICATE CAREFULLY.

Texas residents:

IMPORTANT NOTICE: To obtain information or make a complaint:

You may call Special Marketing Division's toll-free telephone number for information or to make a complaint at 1-800-441-1832.

You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at 1-800-252-3439.

You may write the Texas Department of Insurance:

P O Box 149091 Austin, TX 78714-9104

FAX # (512) 475-1771

PREMIUM OR CLAIM DISPUTES: Should you have a dispute concerning your premium or about a claim you should contact the agent or company first. If the dispute is not resolved, you may contact the Texas Department of Insurance.

AVISO IMPORTANTE: Para obtener informacion o para someter una queja:

Usted Puede llamar al numero de telefono gratis de Special Marketing Division para informacion o para sometar una queja al 1-800-441-1832.

Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias, coberturas, derechos o quejas al 1-800-252-3439.

Puede escribir al Departamento de Seguros de Texas:

P O Box 149091 Austin, TX 78714-9104

FAX # (512) 475-1771

DISPUTAS SOBRE PRIMAS O RECLAMOS: Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con el agente o la compania primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI).

Exhibit # 5

NOTICE

Benefits paid under the Accelerated Benefits provision will reduce the Death Benefit payable for life insurance.

Benefits payable under the Accelerated Benefits provision may be taxable. If so, the Employee or the Employee's beneficiary may incur a tax obligation. As with all tax matters, an Employee should consult with a personal tax advisor to assess the impact of this benefit. Accelerated Benefits are not payable if life insurance coverage under the Policy is not in force.

TL-004788

Exhibit # 5

FOREWORD

Life insurance provides individuals and their families with financial protection. The Life Insurance Benefit described in this booklet will help secure your family's financial security in the event of your death.

The need for life insurance protection depends on individual circumstances and financial situations. Your Employer is offering you the opportunity to purchase this insurance to make your benefit program more comprehensive and responsive to your needs.

The following pages describe the main provisions of the group term life insurance plan available to you.

Any insurance benefit described in the following pages will apply to you only if you have elected that benefit and have authorized payroll deduction for the required premium.

LIFE INSURANCE COMPANY OF NORTH AMERICA

1601 CHESTNUT STREET GROUP INSURANCE

PHILADELPHIA, PA 19192-2235 CERTIFICATE

(800) 732-1603 TDD (800) 552-5744

A STOCK INSURANCE COMPANY

We, the LIFE INSURANCE COMPANY OF NORTH AMERICA, have issued a Group Policy, FLX- 960793, to TRUSTEE OF THE GROUP INSURANCE TRUST FOR EMPLOYERS IN THE SERVICES INDUSTRY on behalf of Office of the Comptroller of the Currency.

This certificate describes the benefits and basic provisions of your coverage. You should read it with care so you will understand your coverage.

This is not the insurance contract. It does not waive or alter any of the terms of the Policy. If questions arise, the Policy will govern. You may examine the Policy at the office of the Policyholder or the Administrator.

This certificate replaces any and all certificates which may have been issued to you in the past under the Policy.

TL-004704

TABLE OF CONTENTS

SCHEDULE OF BENEFITS

WHO IS ELIGIBLE

WHEN COVERAGE BEGINS

WHEN COVERAGE ENDS

WHEN COVERAGE CONTINUES

LIFE INSURANCE BENEFITS

LIFE INSURANCE EXCLUSIONS

CLAIM PROVISIONS

ADMINISTRATIVE PROVISIONS

GENERAL PROVISIONS

DEFINITIONS

DOMESTIC PARTNER RIDER

SCHEDULE OF BENEFITS

Policy Effective Date: March 6, 2005

Policy Anniversary Date: October 2

Change Effective Date: January 1, 2008

Policy Number: FLX-960793

Class Definition

You are eligible for insurance if you are a member of the class defined below.

All active, Full-time Employees classified as Senior Executives in Band 8 and Band 9 regularly working a minimum of 16 hours per week.

Your Eligibility Waiting Period

The Eligibility Waiting Period is the period of time you must be in Active Service to be eligible for coverage. It will be extended by the number of days you are not in Active Service.

If you were hired on or before the Policy Effective Date:

No Waiting Period

If you were hired after the Policy Effective Date:

No Waiting Period

LIFE INSURANCE BENEFITS

If an Insured is eligible under one Class of Eligible Employees and later becomes eligible under a different Class of Eligible Employees, changes in his or her insurance due to the class change will be effective on the date of the change in class.

Employee Benefits

Amount of Insurance An amount elected in units of $25,000

Guaranteed Issue Amount: the greater of a) or b) below:

a) $300,000, or

b) an amount equal to the Life Insurance Benefit in effect on the termination date of the Prior Plan

Maximum Benefit: the lesser of 5 times Annual Compensation or $300,000

Benefit Level: $25,000

Terminal Illness Benefit Maximum Benefit: $225,000

Life Status Changes

Within 60 days after a Life Status Change, if you are currently insured under the Voluntary Life Insurance portion of this Policy you may increase your Voluntary Life Insurance Benefit by one Benefit Level, as long as the total Benefit Amount does not exceed the Guaranteed Issue Amount, without satisfying the Insurability Requirement. Benefit Levels and Guaranteed Issue Amounts are shown above. Such increases will be effective on the date that we receive the completed request for a Benefit increase.

Employees under the age of 36 years who have not previously enrolled in Voluntary Life may enroll for either $25,000 or $50,000 of insurance upon the acquisition of a Spouse, Domestic Partner or Dependent Child, provided the election is made within 60 days of such an acquisition.

Employees under the age of 50 years who have previously enrolled in Voluntary Life may enroll for $25,000 or $50,000 of insurance upon the acquisition of a Spouse, Domestic Partner or Dependent Child, provided the election is made within 60 days of such an acquisition.

If you are eligible for the Voluntary Life Insurance portion of this Policy but were not previously enrolled, you may become insured under the Policy by satisfying the Insurability Requirement. Your insurance will be effective on the date we agree in writing to insure you.

You may increase your Voluntary Term Life Insurance Benefit, at any time, only if you satisfy the Insurability Requirement. Any amount we approve is effective on the date we agree in writing to insure you.

An Employee may reduce Insurance Benefits at any time. The reduced amount will be effective on the date we receive the completed change form.

Family Unit Amount of Insurance Spouse or Domestic Partner Children

Option 1 $5,000 $2,500 Option 2 $10,000 $5,000 Option 3 $15,000 $7,500 Option 4 $20,000 $10,000 Option 5 $25,000 $12,500

Guaranteed Issue Amount: $25,000 $12,500

Maximum Benefit: 75% of the Maximum Benefit applicable to your Life Insurance Benefits.

Spouse or Domestic Partner Only Benefits

An amount equal to 50% or 100% of the Employee’s base compensation rounded to the next higher $1,000.

Guaranteed Issue Amount $300,000

You may select one of the options shown above for your Spouse or Domestic Partner. If you elect coverage for your Dependent Children, each eligible child will be insured for the amount corresponding to the option selected for your Spouse or Domestic Partner.

Your Spouse or Domestic Partner may be insured under both Spouse or Domestic Partner Benefits and Family Unit Benefits.

TL-004774

Exhibit # 5

WHO IS ELIGIBLE

Classes of Eligible Persons A person may be insured only once under the Policy as an Employee, Spouse or Dependent Child, even though he or she may be eligible under more than one class.

A person must chose Basic Life coverage under the Basic Life Policy FLX960792 in order to elect Employee, Spouse/Domestic Partner coverage and/or Child coverage under this Policy. You may not insure yourself, your spouse/domestic partner or child under this Policy unless insured under FLX960792.

Employee If you qualify under the Class Definition shown in the Schedule of Benefits, you are eligible to be insured under the Policy on the Policy Effective Date, or the day after you complete the applicable Eligibility Waiting Period, if later.

If you have previously converted your insurance under the Policy, you will not become eligible until your converted policy is surrendered. This does not apply to any amount of insurance that was previously converted under the Policy due to a reduction in your Life Insurance Benefits based on age or a change in class unless those conditions no longer affect the amount of insurance available to you.

Except as noted in the Reinstatement Provision, if you terminate coverage and later wish to reapply, or if you are a former Employee who is rehired, a new Eligibility Waiting Period must be satisfied. You are not required to satisfy a new Eligibility Waiting Period, if insurance ends because you are no longer in a Class of Eligible Employees, but continue to be employed by the Employer, and within one year you become a member of an eligible class.

Spouse Your Spouse is eligible to be insured on the date you are eligible or the date he or she becomes your Spouse, if later.

For eligibility purposes, your Spouse must be a lawful Spouse and not legally separated from, divorced from, or widowed by you. Spouse coverage does not terminate at age 70.

Dependent Child Your Dependent Child is eligible to be insured on the date you are eligible or the date the child becomes a Dependent Child, if later.

In no event will a Dependent Child be eligible to be insured more than once under the Policy.

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WHEN COVERAGE BEGINS

If you are required to contribute to the cost of this insurance, you may elect insurance for yourself, your Spouse and Dependent Children only by authorizing payroll deduction in a form approved by the Employer and us. The effective date of this insurance depends on the date and amount of insurance elected.

If you elect coverage within 31 days after you become eligible to enroll or increase coverage, the Guaranteed Issue Amount will be effective on the latest of the following dates:

1. The Policy Effective Date.

2. The date you authorize payroll deduction for this insurance.

3. The date the Employer or Insurance Company receives the completed enrollment form.

If we receive your enrollment form more than 31 days after you become eligible to elect coverage, insurance is effective on the date we agree in writing to provide this coverage. We will require an eligible person to satisfy the Insurability Requirement before we agree to insure him or her.

If coverage for a Dependent Child is in force and you acquire another Dependent Child, coverage for that child is effective on the date he or she qualifies as a Dependent Child.

If you, your Spouse or Dependent Children are not in Active Service on the date insurance would otherwise go into effect, it will be effective on the date you, your Spouse or Dependent Children return to Active Service.

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WHEN COVERAGE ENDS

Coverage will end on the earliest of the following dates:

1. the date you are eligible for coverage under a plan intended to replace this coverage;

2. the date we terminate the Policy;

3. the date you, your Spouse or Dependent Children are no longer in an eligible class;

4. the date coinciding with the end of the last period for which required premiums are paid;

5. the date you are no longer in Active Service;

6. for an Employee, Spouse or Dependent Child, the date the Employer cancels participation under the Policy; and

7. the date your coverage ends, for any insured Spouse or Dependent Child.

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WHEN COVERAGE CONTINUES

Continuation for Temporary Leave of Absence, Layoff or Family Medical Leave If you are an Employee and your Active Service ends due to an Employer approved unpaid leave of absence, layoff or family medical leave, your insurance will continue if the required premium is paid.

In these circumstances, your insurance may continue as follows.

1. For an Employer approved unpaid leave of absence, up to 12 months.

2. For layoff, up to 12 months.

3. For an Employer approved family medical leave, up to 12 weeks.

Continuation for Disability If you are an Employee under age 60 and your Active Service ends due to Disability, Life Insurance Benefits will continue for you, your Spouse and Dependent Children, if any until the earliest of the following dates.

1. The date you are no longer Disabled.

2. The day after the end of the period for which required premiums are paid.

3. 12 months.

If you die during this period, we will pay the Life Insurance Benefit in effect on the day before you became Disabled. However, this benefit will be subject to the provisions of the Policy that may reduce or terminate coverage on account of age, retirement, acceleration or a change in eligible class.

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WHAT IS COVERED

Death Benefit If an Insured dies, we will pay the Life Insurance Benefit in force for that Insured on the date of his or her death.

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Accelerated Benefits Any benefits payable under this Accelerated Benefits provision will reduce the Death Benefit payable for Life Insurance. Any automatic increases in Life Insurance Benefits will end when benefits are payable under this provision.

Terminal Illness Benefit We will pay a Terminal Illness Benefit if we determine you or your Spouse are Terminally Ill. The amount of this benefit is 75% of the Life Insurance Benefit in effect for you or your Spouse on the date we determine you are Terminally Ill up to the Maximum Benefit Amount shown in your Schedule of Benefits for this option. The Terminal Illness Benefit is payable only once in an Insured's lifetime.

Determination of Terminal Illness

For the purpose of determining the existence of a Terminal Illness, we will require you to submit the following proof.

1. A written diagnosis and prognosis by two Physicians licensed to practice in the United States.

2. Supportive evidence satisfactory to us, including but not limited to radiological, histological or laboratory reports documenting the Terminal Illness.

We may require, at our expense, you to be examined and a review of the documented evidence by a Physician of our choice.

"Terminal Illness" means a person is diagnosed by a Physician to have a prognosis of 12 months or less to live.

TL-004748

Conversion Privilege for Life Insurance If coverage ends for any reason except non-payment of premium, any Insured may apply for a conversion policy of life insurance.

The conversion insurance may be a type of life insurance currently being offered for conversion by us at your age and in the amount requested. It may not be term insurance and it may not be for an amount greater than the Life Insurance Benefits in force under the Policy. Conversion life insurance will not provide accident, disability or other benefits.

However, if coverage ends because the Policy is terminated or amended to terminate any class of Insureds, or the Employer cancels participation under the Policy, coverage cannot be converted unless you have been insured under the Policy for at least 3 years. In this case, the amount of conversion insurance will be the lesser of Life Insurance Benefit in force under the Policy or $10,000.

To apply for conversion insurance, you must submit an application to us and pay the required premium within 31 days after coverage under the Policy ends. Evidence of insurability is not required. Premium for the conversion insurance will be based on your age and class of risk and the type and amount of coverage issued.

Exhibit # 5

Conversion insurance will become effective on the 31st day after the date coverage under the Policy ends, if your application is received by us and the required premium is paid on that date.

If you die during the 31 day conversion period, the Death Benefit will be paid under the Policy regardless of whether you applied for conversion insurance. If a conversion policy is issued, it will be in exchange for any benefits payable for that type and amount of insurance under the Policy.

Extension of Conversion Period

If you are eligible for conversion insurance and are not notified of this right at least 15 days prior to the end of the 31 day conversion period, the conversion period will be extended. You will have 15 days from the date notice is given to apply for conversion insurance. In no event will the conversion period be extended beyond 90 days. Notice, for the purpose of this section, means written notice presented to you by your Employer or mailed to your last known address as reported by your Employer.

If you die during the extended conversion period, but more than 31 days after your coverage under the Policy terminates, Life Insurance Benefits will not be paid under the Policy. If your application for conversion insurance is received by us and the required premium is paid, Life Insurance Benefits will be payable under the conversion insurance.

Prior Conversion Limitation

If you are covered under a life insurance conversion policy previously issued by us under the Policy, you will not be eligible to exercise this Conversion Privilege unless the prior coverage has ended. This does not apply to any amount of insurance that was previously converted under the Policy due to a reduction in your Life Insurance Benefits based on age or a change in class.

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LIFE INSURANCE EXCLUSIONS

If an Insured commits suicide, while sane or insane, within 2 years from the date the Insured's insurance under the Policy becomes effective, Life Insurance Benefits will be limited to a refund of the premiums paid on the Insured's behalf. The suicide exclusion applies from the effective date of any additional benefits or increases in Life Insurance Benefits.

Except for any amount of benefits in excess of the Prior Plan's benefits, this exclusion will not apply to you if you were covered under the Prior Plan for more than two years. If you were not insured for two years under the Prior Plan, credit will be given for the time you were insured.

If a Dependent Child commits suicide and is survived by other Dependent Children covered under your certificate, no refund of premiums will be paid.

TL-004752

CLAIM PROVISIONS

Notice of Claim Written notice of claim, or notice by any other electronic/telephonic means authorized by us, must be given to us within 31 days after a covered loss occurs or begins or as soon as reasonably possible. If written notice, or notice by any other electronic/telephonic means authorized by us, is not given in that time, the claim will not be invalidated or reduced if it is shown that notice was given as soon as was reasonably possible. Notice can be given at our home office in Philadelphia, Pennsylvania or to our agent. Notice should include the Employer's name, the Policy Number and the claimant's name and address.

Written notice, or any other electronic/telephonic means authorized by us, of a diagnosis of a Terminal Illness on which claim is based must be given to us within 60 days after the diagnosis. If notice is not given in that time, the claim will not be invalidated or reduced if it is shown that written notice, or any other electronic/telephonic means authorized by us, was given as soon as reasonably possible.

Claim Forms When we receive notice of claim, we will send claim forms for filing proof of loss. If we do not send claim forms within 15 days after notice is received by us, the proof requirements may be met by submitting, within the time required under the "Proof of Loss" section, written proof, or proof by any other electronic/telephonic means authorized by us, of the nature and extent of the loss.

Claimant Cooperation Provision If you fail to cooperate with us in our administration of your claim, we may terminate 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.

Insurance Data The Employer is required to cooperate with us in the review of claims and applications for coverage. Any information we provide to the Employer in these areas is confidential and may not be used or released by the Employer if not permitted by applicable laws.

Proof of Loss You must provide written proof of loss to us, or proof by any other electronic/telephonic means authorized by us, within 90 days after the date of the loss for which a claim is made. If written proof of loss, or proof by any other electronic/telephonic means authorized by us, is not given in that 90 day period, the claim will not be invalidated nor reduced if it is shown that it was given as soon as was reasonably possible. In any case, written proof of loss, or proof by any other electronic/telephonic means authorized by us, must be given not more than one year after the 90 day period. If written proof of loss, or proof by any other electronic/telephonic means authorized by us, is provided outside of these time limits, the claim will be denied. These time limits will not apply due to lack of legal capacity.

Written proof, or any other electronic/telephonic means authorized by us, of loss for Accelerated Benefits must be furnished 90 days after the date of diagnosis. This proof must describe the occurrence, character and diagnosis for which claim is made.

In case of claim for any other loss, proof must be furnished within 90 days after the date of such loss.

If it is not reasonably possible to submit proof of loss within these time periods, we will not deny or reduce any claim if proof is furnished as soon as reasonably possible. Proof must, in any case, be furnished not more than a year later, except for lack of legal capacity.

Time of Payment Benefits due under the Policy for a loss, other than a loss for which the Policy provides installment payments, will be paid immediately upon receipt of due written proof of such loss.

Subject to the receipt of satisfactory written proof of loss, all accrued benefits for loss for which the Policy provides installment payments will be paid monthly; any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof, unless otherwise stated in the Description of Benefits.

To Whom Payable Death Benefits will be paid to the Insured's named beneficiary, if any, on file at the time of payment or to the certificate owner if alive. If there is no named beneficiary or surviving beneficiary, Death Benefits will be paid to the first surviving class of the following living relatives: spouse; child or children; mother or father; brothers or sisters; or to the executors or administrators of the Insured's estate. We may reduce the amount payable by any indebtedness due.

All benefits payable under the Accelerated Benefits section are payable to the Insured, if living. If the Insured dies prior to the payment of an eligible claim for an Accelerated Benefit, benefits will be paid in accordance with the provisions applicable to the payment of Life Insurance proceeds, unless the Insured has directed us otherwise in writing. However, any payment made by us prior to notice of the Insured's death shall discharge us of any benefit that was paid.

All other benefits unless otherwise stated in the Policy, will be payable to the Insured or the certificate owner if other than the Insured.

Any other accrued benefits which are unpaid at your death may, at our option, be paid either to your beneficiary or to the executor or administrator of your estate.

If we pay benefits to the executor or administrator of your estate or to a person who is incapable of giving a valid release, we may pay up to $1,000 to a relative by blood or marriage whom we believe is equitably entitled. This good faith payment satisfies our legal duty to the extent of that payment.

Change of Beneficiary You may change your beneficiary at any time by giving written notice to the Employer or to us. The beneficiary's consent is not required for this or any other change which you may make unless your designation of beneficiary is irrevocable.

No change in beneficiary will take effect until the form is received by the Employer or us. When this form is received, it will take effect as of the date of the form. If you die before the form is received, we will not be liable for any payment that was made before receipt of the form.

Physical Examination and Autopsy We may, at our expense, exercise the right to examine any person for whom a claim is pending as often as we may reasonably require. Also, we may, at our expense, require an autopsy unless prohibited by law.

Legal Actions No action at law or in equity may be brought to recover benefits under the Policy less than 60 days after written proof of loss, or proof by any other electronic/telephonic means authorized by us, has been furnished as required by the Policy. No such action shall be brought more than 3 years after the time satisfactory proof of loss is required to be furnished.

Time Limitations If any time limit stated in the Policy for giving notice of claim or proof of loss, or for bringing any action at law or in equity, is less than that permitted by the law of the state in which you live when the Policy is issued, then the time limit provided in the Policy is extended to agree with the minimum permitted by the law of that state.

Physician/Patient Relationship You have the right to choose any Physician who is practicing legally. We will in no way disturb the Physician/patient relationship.

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ADMINISTRATIVE PROVISIONS

Premiums The premiums for this Policy will be based on the rates currently in force, the plan and the amount of insurance in effect.

If an Insured's coverage amount is reduced due to acceleration of a Death Benefit, premium will be based on the amount of coverage in force on the day before the reduction took place.

Your Grace Period If your required premium is not paid on the Premium Due Date, there is a 31 day grace period after each premium due date after the first. If the required premium is not paid during the grace period, insurance will end on the last day for which premium was paid.

Reinstatement of Insurance Your coverage may be reinstated without satisfying the Insurability Requirement, if your insurance ends because you are on an unpaid leave of absence and you apply for Reinstatement within 31 days of your return to Active Service.

After your insurance ends, it may be reinstated at any date prior to five years after the date of termination if the following conditions are met.

1. The Policy is still in force.

2. You are eligible under the Policy.

3. You send us a written request for reinstatement and a new enrollment form.

4. The required premium is paid.

5. The Insurability Requirement, if applicable, is satisfied.

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GENERAL PROVISIONS

Incontestability All statements made by the Employer or by an Insured are representations not warranties. No statement will be used to deny or reduce benefits or as a defense to a claim, unless a copy of the instrument containing the statement has been furnished to the claimant. In the event of death or legal incapacity, the beneficiary or representative must receive the copy.

After two years from an Insured's effective date of insurance, or from the effective date of any added or increased benefits, no such statement will cause insurance to be contested except for fraud or eligibility for insurance.

Misstatement of Age If an Insured's age has been misstated, we will adjust all benefits to the amounts that would have been purchased for the correct age.

Workers' Compensation Insurance The Policy is not in lieu of and does not affect any requirements for insurance under any Workers' Compensation Insurance Law.

Assignment of Benefits We will not be affected by the assignment of your certificate until the original assignment or a certified copy of the assignment is filed with us. We will not be responsible for the validity or sufficiency of an assignment. An assignment of benefits will operate so long as the assignment remains in force provided insurance under the Policy is in effect. This insurance may not be levied on, attached, garnisheed, or otherwise taken for a person's debts. This prohibition does not apply where contrary to law.

Clerical Error A person's insurance will not be affected by error or delay in keeping records of insurance under the Policy. If such an error is found, the premium will be adjusted fairly.

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DEFINITIONS

Please note, certain words used in this document have specific meanings. These terms will be capitalized throughout this document. The definition of any word, if not defined in the text where it is used, may be found either in this Definitions section or in the Schedule of Benefits.

Accident The term Accident means a sudden, unforeseeable external event that causes you bodily Injury and occurs while your coverage is in force under the Policy.

Active Service If you are an Employee, you are in Active Service with the Employer on a day which is one of the Employer's scheduled work days if either of the following conditions are met.

1. You are actively at work. This means you are performing your regular occupation for the

Employer on a Full-time basis, either at one of the Employer's usual places of business or at some location to which the Employer's business requires you to travel.

2. The day is a scheduled holiday, vacation day or period of Employer approved paid leave of absence, other than disability or sick leave after 7 days.

You are considered in Active Service on a day which is not one of the Employer's scheduled work days only if you were in Active Service on the preceding scheduled work day.

A person other than an Employee is considered in Active Service if he or she is able to perform all the activities another person of the same age and sex could normally perform and is not any of the following:

1. A patient in a hospital or hospice, or receiving outpatient care for chemotherapy or radiation therapy.

2. Confined at home under the care of a Physician for sickness or injury.

3. Unable to perform any of the Activities of Daily Living expected of a person of the same age without human supervision or assistance. The Activities of Daily Living are defined as follows:

Exhibit # 5

a) Mobility - moving from one place to another by means of walking, with or without equipment, or using a wheelchair.

b) Dressing - putting on and taking off all necessary items of clothing including braces and artificial limbs if they are usually worn.

c) Toileting - cleansing self after elimination and adjusting clothing before and after using the toilet.

d) Transferring - moving in or out of a bed, chair or other seat, with or without equipment.

e) Feeding - getting food into the body, by any means, after it has been prepared and made available to the person.

4. Receiving disability benefits from any source due to his or her sickness or injury.

Annual Compensation Annual Compensation means an Employee's annual wage or salary as reported by the Employer for work performed for the Employer as of the date the covered loss occurs. It does not include amounts received as bonuses, commissions, overtime pay or other extra compensation.

Dependent Child Your unmarried child if he or she meets the following requirements:

1. A child from live birth to 22 years old;

2. A child who is 22 or more years old or up to age 25 if enrolled in a school as a full-time student and primarily supported by the Employee;

3. A child who is 22 or more years old, primarily supported by you and incapable of self-sustaining employment by reason of mental or physical handicap. Proof of the child's condition and dependence must be submitted to us within 31 days after the date the child ceases to qualify as a Dependent for the reasons listed above. During the next two years, we may, from time to time, require proof of the continuation of such condition and dependence. After that, we may require proof no more than once a year.

The term "child" means a child born to or legally adopted by you. It includes a child during any waiting period prior to the finalization of the child's adoption. It also means a stepchild, including a Domestic Partner’s child, living with and financially dependent upon you.

Disabled You are Disabled, if, because of Injury or Sickness, you are unable to perform all the material duties of any occupation for which you are or may reasonably become qualified based on your education, training or experience.

Employee For eligibility purposes, you are an Employee if you work for the Employer and are in one of the "Classes of Eligible Employees." Otherwise, you are an Employee if you are an employee of the Employer who is insured under the Policy.

Employer The Employer who has subscribed to the Policyholder and for the benefit of whose Employees this policy has been issued. The Employer, named as the Subscriber on the front of this Policy, includes any affiliates or subsidiaries covered under the Policy. The Employer is acting as your agent for transactions relating to this insurance. You shall not consider any actions of the Employer as actions of the Insurance Company.

Full-time Full-time means the number of hours set by the Employer as a regular work day for Employees in your eligibility class.

Injury Any accidental loss or bodily harm that results directly and independently from all other causes from an Accident.

Insurability Requirement An eligible person satisfies the Insurability Requirement for an amount of coverage on the day we agree in writing to accept you as insured for that amount. To determine a person's acceptability for coverage, we will require you to provide evidence of good health and may require it be provided at your expense.

Insurance Company The Insurance Company underwriting the Policy is named on your certificate cover page. References to the Insurance Company have been changed to "we", "our", "ours", and "us" throughout the certificate.

Insured You are an Insured if you are eligible for insurance under the Policy, insurance is elected for you, the required premium is paid and your coverage is in force under the Policy.

Life Status Change A Life Status Change is an event recognized by the Employer's Flexible Benefits Plan as qualifying you to make changes in benefit selections at a time other than an Annual Enrollment Period.

If the Employer does not sponsor a Flexible Benefits Plan or if it is no longer in effect, the following events are Life Status Changes.

1. Marriage

2. Divorce, annulment or legal separation

3. Birth or adoption of a child

4. Death of your spouse

5. Termination of your spouse's employment

6. A change in the benefit plan available to your spouse

7. A change in employment status for you or your spouse that affects your eligibility for benefits

Physician Physician means a licensed doctor practicing within the scope of his or her license and rendering care and treatment to an Insured that is appropriate for the condition and locality. The term does not include you, your spouse, your immediate family (including parents, children, siblings, or spouses of any of the foregoing, whether the relationship derives from blood or marriage), or a person living in your household.

Prior Plan The Prior Plan refers to the plan of insurance providing similar benefits to you, sponsored by the Employer and in effect directly prior to the Policy Effective Date.

Sickness The term Sickness means a physical or mental illness.

Spouse Your current lawful spouse.

TL-004708

Life Insurance Company of North America a stock insurance company

Rider to Certificate Made a Part of Group Policy No. FLX-960793 Effective Date of Rider: March 6, 2005, or if later the Effective Date of the Employee’s Certificate

MODIFICATION OF GROUP POLICY

TO ADD DOMESTIC PARTNER AS AN ELIGIBLE DEPENDENT

UNDER THE GROUP POLICY FOR TERM LIFE INSURANCE

The provisions of your Certificate are modified as follows:

1. All references to the term "Spouse" are replaced by "Spouse or Domestic Partner", except for the following references:

a. The definition of "Spouse" remains unchanged.

b. Any reference to "lawful spouse" or "legal spouse" remains unchanged.

c. Any reference to "Spouse" remains unchanged in the paragraph entitled "To Whom Payable" under the Claims Provisions.

d. Any reference to "Spouse" in the "Life Status Change" definition remains unchanged.

2. The following Domestic Partner definition is added to the Definitions section of your Certificate.

Domestic Partner means: a person of the same or opposite sex, who meets all of the following criteria:

a. shares your permanent residence.

b. has resided with you for at least one year and is expected to continue to reside with you indefinitely.

c. is financially interdependent with you in each of the following ways:

i. by holding one or more credit or bank accounts, including a checking account, as joint owners.

ii. by owning or leasing your permanent residence as joint tenants.

iii. by naming or being named by you as a beneficiary of life insurance or under a will.

iv. by each agreeing in writing to assume financial responsibility for the welfare of the other.

d. has signed a domestic partner declaration with you, if you reside in a jurisdiction that provides for domestic partner declarations.

e. has not signed a domestic partner declaration with any other person within the last 12 months.

f. is no less than 18 years of age.

g. is not currently legally married to any other person.

h. is not a blood relative any closer than would prohibit legal marriage.

In addition to the above requirements, consent of either party to the Domestic Partner relationship must not have been obtained by force, duress, or fraud.

Your Domestic Partner is eligible for Life Insurance Benefits under the Policy on the later of your eligibility date or the date the person becomes your Domestic Partner and if all the following conditions are met.

a. You have not been married to any person within the last 12 months.

b. The Domestic Partner is the only person meeting the Policy’s definition of "Domestic

Partner" with respect to you.

Exhibit # 5

c. You and the Domestic Partner furnish a notarized affidavit or signed statement reflecting these requirements, and an agreement to notify the Insurance Company if the requirements cease to be met, on a form acceptable to the Insurance Company.

To obtain insurance for a Domestic Partner, you must request coverage in writing and agree to make any required premium contributions. Insurance will be effective on the same date specified for a Spouse in the When Coverage Begins Provision. The Insurance Company reserves the right to require evidence of good health.

The amount of insurance that applies to a Domestic Partner is shown in the Schedule of Benefits.

Death benefits with respect to any Domestic Partner will be payable to the beneficiary chosen by the Domestic Partner. If no beneficiary is named, benefits are payable to you.

Except for the above, this Rider does not change the Certificate to which it is attached.

By:

Gregory H. Wolf, President

TL-007152

IMPORTANT CHANGES FOR STATE REQUIREMENTS

If you reside in one of the following states, please read the important changes below. The provisions of your certificate are modified for residents of the following states. The modifications listed apply only to residents of that state.

California Residents:

Conversion Privilege for Life Insurance Insured Employees and Insured Spouses may convert to an individual policy of life insurance for an amount not greater than the Conversion Amount shown below when the Policy ends, without regard to any requirement that the person be insured under the policy for a specified period of time, if all of the following apply.

a. The Insured became Totally Disabled while covered for the Life Benefit of the Policy.

Totally Disabled means the person is unable to perform all the material duties of any occupation for which he or she may reasonably be qualified based on training education and experience.

b. The Insured remained Totally Disabled until the Policy ended while covered for the Life Benefit of this Policy.

c. The Policy does not provide a Waiver of Premium, Extended Death Benefit Provision or monthly payments to Totally Disabled Insureds for the Life Benefit.

d. The person meets all other conditions for converting the insurance.

Conversion Amount - Insured’s life insurance amount under the Policy on the date the Policy ends minus the amount for which the Insured is insured under a group policy that provides life coverage to employees of the Insured Employee’s Employer covered under this Policy. The dollar limit that applies to the amount for conversion at Policy termination does not apply.

The requirement that the Insured be covered under the Policy for the stated number of years in order to convert life insurance does not apply.

Minnesota residents:

Continuation of Insurance If an Employee is no longer in Active Service, he or she may be eligible to continue insurance. The following provisions explain the continuation options available under the Policy.

Continuation for Layoff or Termination of Employment

If an Employee's Active Service ends due to a Layoff or Termination of employment and the Policy remains in force, he or she may elect to continue life insurance coverage for himself or herself and an eligible Spouse or Dependent Child. Coverage may be continued until the earlier of the following dates.

1. The date the Employee is covered under another group policy.

2. The greater of 18 months, or the Maximum Benefit Period (if any) shown in the Schedule of

Benefits, provided he or she pays the required premium directly to the Employer.

The Employee must elect to continue coverage within 60 days of the date the group coverage would otherwise terminate or within 60 days of the date he or she receives written notice from the Employer, if later. Written notice for the purpose of this section means notification from the Employer of the Employee's right to elect to continue coverage, the required monthly premium, the monthly premium due date and the address of the office of the Employer to which the premium must be sent. Such written notice must be mailed first class by the Employer to the Employee at his or her last known address as on file with the Employer.

At the end of the period for which group coverage has been continued, an Insured is eligible to convert to coverage under an individual policy as set forth in the Life Conversion Privilege provision.

"Layoff" means there is a reduction in your work hours to the extent you are no longer eligible for coverage under the Policy.

"Termination" means your employment with the Employer has voluntarily or involuntarily ended.

Termination does not include discharge for gross negligence.

Conversion Privilege for Life Insurance If the Policy is terminated or amended to terminate any class of Insureds, or the Employer cancels participation under the Policy, the conversion privilege for Minnesota residents is the same as when coverage ends due to termination of employment or membership in the class or classes eligible for coverage under the policy.

Missouri residents:

Regardless of any language to the contrary in the Policy, suicide is no defense to payment of life insurance benefits. However, if an Insured commits suicide within 2 years from the date his or her insurance under the Policy becomes effective, and the Insurance Company can show that the Insured intended suicide at the time he or she applied for the insurance, life insurance benefits will be limited to a refund of premium paid on the Insured's behalf.

North Dakota residents:

The Suicide exclusion, if any, is limited to one year from the effective date of insurance. The suicide exclusion with respect to any increase in death benefits which results from an application of the insured subsequent to the effective date, if any, is limited to one year from the effective date of the increase.

The coverage amount for an Employee under all Employer-sponsored group life programs is limited to seven (7) times his or her salary, or $250,000, whichever is greater. If the Employee’s Spouse and/or Dependent Children are eligible for coverage, their coverage amounts are subject to the same limit.

Exhibit # 5

UNDERWRITTEN BY:

a CIGNA company

Class 1 01/2009

Group Life Insurance Certificate

Office of the Comptroller of the Currency

Exhibit # 5

IMPORTANT NOTICES

If you reside in one of the following states, please read the important notices below:

Arizona, Florida and Maryland residents:

The group policy is issued in the state of Delaware and will be governed by its laws. If you reside in a state other than Delaware, this certificate of insurance may not provide all of the benefits and protections provided by the laws of your state. PLEASE READ

YOUR CERTIFICATE CAREFULLY.

IMPORTANT NOTICE: To obtain information or make a complaint:

You may call Special Marketing Division's toll-free telephone number for information or to make a complaint at 1-800-441-1832.

You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at 1-800-252-3439.

You may write the Texas Department of Insurance:

P O Box 149091 Austin, TX 78714-9104

FAX # (512) 475-1771

PREMIUM OR CLAIM DISPUTES: Should you have a dispute concerning your premium or about a claim you should contact the agent or company first. If the dispute is not resolved, you may contact the Texas Department of Insurance.

AVISO IMPORTANTE: Para obtener informacion o para someter una queja:

Usted Puede llamar al numero de telefono gratis de Special Marketing Division para informacion o para sometar una queja al 1-800-441-1832.

Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias, coberturas, derechos o quejas al 1-800-252-3439.

Puede escribir al Departamento de Seguros de Texas:

P O Box 149091 Austin, TX 78714-9104

FAX # (512) 475-1771

DISPUTAS SOBRE PRIMAS O RECLAMOS: Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con el agente o la compania primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI).

Exhibit # 5

NOTICE

Benefits paid under the Accelerated Benefits provision will reduce the Death Benefit payable for life insurance.

Benefits payable under the Accelerated Benefits provision may be taxable. If so, the Employee or the Employee's beneficiary may incur a tax obligation. As with all tax matters, an Employee should consult with a personal tax advisor to assess the impact of this benefit. Accelerated Benefits are not payable if life insurance coverage under the Policy is not in force.

TL-004788

Exhibit # 5

FOREWORD

Life insurance provides individuals and their families with financial protection. The Life Insurance Benefit described in this booklet will help secure your family's financial security in the event of your death.

The need for life insurance protection depends on individual circumstances and financial situations. Your Employer is offering you the opportunity to purchase this insurance to make your benefit program more comprehensive and responsive to your needs.

The following pages describe the main provisions of the group term life insurance plan available to you.

Any insurance benefit described in the following pages will apply to you only if you have elected that benefit and have authorized payroll deduction for the required premium.

1601 CHESTNUT STREET GROUP INSURANCE

PHILADELPHIA, PA 19192-2235 CERTIFICATE

(800) 732-1603 TDD (800) 552-5744

A STOCK INSURANCE COMPANY

We, the LIFE INSURANCE COMPANY OF NORTH AMERICA, have issued a Group Policy, FLX- 960793, to TRUSTEE OF THE GROUP INSURANCE TRUST FOR EMPLOYERS IN THE SERVICES INDUSTRY on behalf of Office of the Comptroller of the Currency.

This certificate describes the benefits and basic provisions of your coverage. You should read it with care so you will understand your coverage.

This is not the insurance contract. It does not waive or alter any of the terms of the Policy. If questions arise, the Policy will govern. You may examine the Policy at the office of the Policyholder or the Administrator.

This certificate replaces any and all certificates which may have been issued to you in the past under the Policy.

TL-004704

TABLE OF CONTENTS

SCHEDULE OF BENEFITS

WHO IS ELIGIBLE

WHEN COVERAGE BEGINS

WHEN COVERAGE ENDS

WHEN COVERAGE CONTINUES

LIFE INSURANCE BENEFITS

LIFE INSURANCE EXCLUSIONS

CLAIM PROVISIONS

ADMINISTRATIVE PROVISIONS

GENERAL PROVISIONS

DEFINITIONS

DOMESTIC PARTNER RIDER

SCHEDULE OF BENEFITS

Policy Effective Date: March 6, 2005

Policy Anniversary Date: October 2

Change Effective Date: January 1, 2008

Policy Number: FLX-960793

Class Definition

You are eligible for insurance if you are a member of the class defined below.

All active, permanent Employees of the Employer and Full-time temporary Employees of the Employer whose appointment is more than one year and consists of a prearranged, regularly scheduled tour of duty, excluding Senior Executives in Band 8 and Band 9.

Your Eligibility Waiting Period

The Eligibility Waiting Period is the period of time you must be in Active Service to be eligible for coverage. It will be extended by the number of days you are not in Active Service.

If…