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SUNNYISLES 1703779 City of Sunny Isles Beach GIVING BENEFIT: An Accelerated Death Benefit is available when the Insured Person's life insurance benefit is $2,000 or more. If the Insured Person: - is diagnosed terminally ill due to a sickness or injury at least 12 months after life insurance takes effect; and - qualifies for the Extension of Death Benefit; then part of his or her life insurance benefit can be paid prior to death (subject to state law). Terminally ill means the Insured Person's medical condition is expected to result in death within 12 months, despite appropriate medical treatment. The amount of the Accelerated Death Benefit is subject to: - a minimum of $1,000 or 10% of the Insured Person's life insurance coverage, whichever is more; and - a maximum of $250,000 or 75% of the Insured Person's life insurance coverage, whichever is less. An Accelerated Death Benefit payment will be subject to an interest charge, and the amount of the Death Benefit payable upon that Insured Person's death will be reduced accordingly. NOTE: This is not a Long Term Care benefit. Before requesting an Accelerated Death Benefit payment, Insured Persons should seek their own tax or legal counsel concerning the effect upon taxable income or eligibility for government benefits. •OTHER FEATURES: Our LINKS PROGRAM provides integrated disability management when an insured is covered under Jefferson Pilot Financial's STD and LTD plans. LINKS helps to provide a smooth transition from STD to LTD without claim filing, while helping the employee return to work in the most efficient and effective manner possible. Furthermore, the LINKS program identifies those claimants with life insurance coverage through Jefferson Pilot Financial to determine whether they're eligible for Life Waiver. As of January 1, 2000, a FICA MATCH SERVICE is included on all new and existing LTD business at no additional charge. With this service, Jefferson Pilot Financial matches the policyholder's share of FICA taxes on payments made to disabled employees; generates monthly reports summarizing what has been paid and withheld; and prepares W -2 forms at year -end for LTD benefits paid to each disabled employee. • Jefferson Pilot Financial Insurance Company 7 11/16/2001