notice to members please read this important …

Sormz - PlateSize ~ 24.25 x 28.5 - Sheet Size~ 28.25 x 1807-SU-0016~PAI Brochure~STAAA00119D REV.~ 07-23-09

In no event shall more than one loss be paid as a result of any one accident to the sam

e Eligible Dependent. The insurance does

not extend to the Eligible Dependents for the benefits described in Section Tw

o. Except as otherwise provided in this Section,

all benefits and coverages hereunder are subject to the same term

s and conditions as apply where the loss is to the M

ember.

SECTIO

N FO

UR

-CO

MM

ON

DISA

STER C

OVER

AG

EIn addition to any other benefits provided under the G

roup Policy, We w

ill pay the sum of Ten Thousand D

ollars($10,000.00) in the event that accidental bodily injuries, sustained in the sam

e accident for which benefits are payable under

such Policy, results in the death of the Mem

ber and in the death of the legal spouse of the Mem

ber, within forty-eight (48)

hours of each other, provided that the spouse of the Mem

ber is, at the time of the accident also insured under the sam

eC

ertificate, and that the Mem

ber and his legal spouse are survived by at least one (1) child who is under age tw

enty-one (21)and w

ho is either a natural born, stepchild or legally adopted child of the Mem

ber or his legal spouse.

SECTIO

N FIVE - TYPES O

F AC

CID

ENTS C

OVER

EDP A

RT1 - R

AILR

OA

D A

CC

IDEN

TS:We w

ill pay the indemnity provided in C

olumn 1 of Section O

ne or as providedby Section Tw

o, if Such Injury shall be sustained:W

hile riding as a fare-paying or pass-holding passenger within any railroad passenger train, in a place regularly

provided for the general use of passengers.

PART

2 - STEAM

SHIP, IN

TERU

RB

AN

, SUB

WAY

AN

D ELEVATED

AC

CID

ENTS:W

e will pay the indem

nityprovided in C


ne or as provided by Section Two, if Such Injury shall be sustained:

While riding as a fare-paying or pass-holding passenger w

ithin a passenger steamship or steam

boat, or passengerelectric interurban railw

ay car, or passenger elevated or subway car, in a place regularly provided for the general use

of passengers.

PART

3 - AU

TOM

OB

ILE AN

D TR

UC

K A

CC

IDEN

TS:We w


olumn 2 of Section

One or as provided by Section Tw

o, if Injury shall be sustained:W

hile riding within, driving, entering or exiting from

any private automobile of the exclusively pleasure type or any

automobile truck having a factory rated load capacity not in excess of ¾

ton.

PART

4 - AIR

PLAN

E, TAX

ICA

B, A

ND

MO

TOR

BU

S AC

CID

ENTS:W


nity provided in Colum

n2 of Section O


(a)W

hile riding as a fare-paying or pass-holding passenger within a licensed passenger airplane provided by a

comm

on carrier of passengers and while operated by a licensed transport pilot upon a regularly scheduled

passenger flight between definitely established airports; or

(b)W

hile riding as a fare-paying or pass-holding passenger within a taxicab, public om

nibus, limousine, or hot

air balloon which is being operated or driven by a licensed driver plying for public hire.

PART

5 - PEDESTR

IAN

AC

CID

ENTS:W



n 2 of Section One or as

provided by Section Two, if Injury shall be sustained:

By being struck, knocked dow

n or run over while w

alking or standing on a public street or public highway by any

motor driven vehicle w

hich is in motion under its usual m

otive power (excluding injuries sustained w

hile working in

or on a public street or public highway, or w

hile on a railroad right of way except an established crossing).

PART

6 - PASSEN

GER

ELEVATOR

, BU

RN

ING

BU

ILDIN

G A

ND

OTH

ER N

AM

ED A

CC

IDEN

TS:We w

ill pay theindem


n 2 of Section One or as provided by Section Tw

o, if Injury shall be sustained:(a)

While riding w

ithin a passenger elevator (elevators in mines excepted); or

(b)B

y the burning of a theatre, school, library, municipal building or church w

hile the Mem

ber is therein and provided that the M

ember is therein at the beginning of the fire and is burned by such fire or suffocated by the sm

oke there from

; or(c)

By the collapse of the outer w

alls of a building while the M

ember is therein (except a building in process of

construction, repair or demolition); or

(d)B

y being struck by lightning, cyclone, hurricane, or tornado, as defined by the National W

eather Service.

PART

7 - HU

NTIN

G, GO

LF, SKIIN

G A

ND

DR

OW

NIN

G A

CC

IDEN

TS:We w


olumn 2 of

section One or as provided by Section Tw


By being accidentally shot w

hile engaged in the sport of hunting in the field; or(b)

By being struck by a golf ball or golf club w

hile playing golf on a golf course; or(c)

While skiing (including w

ater skiing); or(d)

By accidental drow

ning at a public bathing beach or pool during the time that a lifeguard is on duty and not otherw

ise; or (e)

By accidental drow

ning while engaged in non-com

mercial fishing or boating, for pleasure only.

P ART

8 - MO

TEL, HO

TEL, RESO

RTA

ND

LOD

GIN

G H

OU

SE AC

CID

ENTS:W


nity provided inC

olumn 2 of section O

ne or as provided by Section Two, if Injury shall be sustained:

By accidental bodily Injury w

hile residing as a bona fide registered guest in any motel, hotel, resort or lodging by w

hich, at thetim

e of accident, is currently a AA

Aofficial appointm

ent, provided Such Injury resulting in death is received while on the

owned prem

ises of such motel, hotel, resort or lodging house.

SECTIO

N SIX - EXPO

SUR

E AN

D D

ISAPPEA

RA

NC

EW

hen by reason of an accident covered by the Certificate the M

ember is exposed to the elem

ents and as a result ofsuch exposure shall suffer loss for w

hich indemnity is otherw

ise payable hereunder, such loss shall be covered under the terms

of the Certificate.

If the body of the Mem

ber has not been found within one (1) year after the date of disappearance, sinking or w

reckingof the conveyance in w

hich the Mem

ber was riding at the tim

e of the accident and under such circumstances as w

ouldotherw

ise be covered hereunder, it will be presum

ed that the Mem

ber suffered loss of life resulting from Injury caused by an

accident at the time of such disappearance, sinking or w

recking.

SECTIO

N SEVEN

- WO

RLD

-WID

E CO

VERA

GE

The Certificate covers Injury sustained anyw

here in the World. H

owever, if the Injury is sustained outside the D

istrictof C

olumbia, the states of the U

nited States of Am

erica and the Dom

inion of Canada in a m

anner provided in Part 1 and Part 2shall result in any of the specific losses set out in Section O

ne, payment for such loss shall be lim

ited to the appropriateindem


n 2 of Section One.

SECTIO

N EIG

HT - EXC

EPTION

S AN

D LIM

ITATION

SExceptions: The C

ertificate does not cover loss or Injury (a)

Caused by suicide or any attem

pt thereat; or(b)

Sustained by any driver or occupant of any automobile in any race or speed contest anyw

here, or while testing any

automobile on any race track or speedw

ay; or (c)

Sustained as a result of war or any act of w

ar; or (d)

Sustained while actively participating in a riot, rebellion, or civil com

motion; or

(e)Sustained w

hile performing any duty as a m

ember of any police or fire departm

ent; or (f)

Sustained while perform

ing any duty as an operating railroad employee; or

(g)R

esulting from the M

ember's being drunk or under the influence of any narcotic unless adm

inistered on the advice of a physician; or

(h)Proxim

ately caused by any sickness or disease; or (i)

Resulting from

poisoning or asphyxiation (whether voluntary or involuntary); or

(j)Sustained w

hile operating an automobile as the paid driver thereof; or

(k)W

hile doing any act of violation of criminal law

; or (l)

Caused by accidental shooting except as covered under Part 7 (a); or

(m)

While riding a m

otorcycle, bicycle, tricycle or privately owned aerial vehicle.

SECTIO

N N

INE - D

EFINITIO

NS

AU

T OM

OB

ILEas used in the C

ertificate does not include tractors, trucks having a factory rated load capacity over ¾ ton,

trailers, road or farm m

achinery, motorcycles, m

otor scooters or any vehicle or device for aerial navigation.

HO

SPITAL

as used in this Certificate m

eans an institution which is constituted and operated, pursuant to law, to provide for

compensation, m

edical and surgical treatment for bodily injury and sickness under the care of physicians and surgeons on an

inpatient basis and with continuous tw

enty-four (24) hour nursing service by registered graduate nurses. The term H

ospitalshall not include an institution w

hich is other than incidentally, a place for rest, a place for the aged, a place for drug addicts, aplace for alcoholics, a nursing hom

e, or an outpatient clinic.

MEM

BER

is a person whose nam

e appears in good standing in the active files of the Club. If m

ore than one Mem

bership isissued to one (1) person, the am

ount of liability under the Certificate shall be lim

ited to the amount payable under the

Mem

bership bearing the earliest effective date and any premium

paid to Us for excessive coverage shall be refunded.

SEATB

ELTshall m

ean any unaltered seat belt or lap and shoulder restraint installed in the vehicle involved in the accident; itshall also include any child restraint approved by the national H

ighway Traffic Safety A

dministration w

here the deceased is achild covered by the C

ertificate and is properly secured in a restraint utilized as recomm

ended by the manufacturer for

children of like age and weight.

SECTIO

N TEN

- GEN

ERA

LPR

OVISIO

NS

CO

NTIN

UA

NC

E OF IN

SUR

AN

CE:

(a)Paym

ent of mem

bership dues to the Club autom

atically renews the insurance granted by the C

ertificate.(b)

Termination of m

embership in the C

lub shall, without further action on the part of the C

lub or Us, term

inate the insurance granted under the C

ertificate.(c)

In the event of termination of the G

roup Policy by the Policyholder, insurance coverage shall continue, subject to paragraph (a) above, until the anniversary date of the m

embership in the C

lub next following the

effective date of such termination.

NO

TICE O

F CLA

IM:W

ritten notice of claim m

ust be given to the Club or U

s within thirty (30) days after the occurrence or

comm

encement of any loss covered by the C

ertificate, or as soon thereafter as is reasonably possible. Notice given by or on

behalf of the Mem

ber or the beneficiary to Us or the C

lub office, or to any authorized agent of Ours w

ith information

sufficient to identify the Mem

ber, shall be deemed notice to U

s. C

LAIM

FOR

MS:W

e or the Club, upon receipt of a notice of claim

, will furnish to the claim

ant such forms as are usually

furnished for filing proofs of loss. If such forms are not furnished w

ithin fifteen (15) days after the giving of such notice, theclaim

ant shall be deemed to have com

plied with the requirem

ents of the Certificate as to proofs of loss, w

ritten proof coveringthe occurrence, the character and extent of the loss for w

hich claim is m

ade.

PRO

OF O

F LOSS:W

ritten proof of the loss must be furnished to U

s or the Club in case of claim

for loss under Section Two

within ninety (90) days after the term

ination of the period for which W

e are liable and, in case of claim for other loss, w

ithinninety (90) days after the date of such loss. Failure to furnish such proof w

ithin the time required shall not invalidate nor

reduce any claim if it w

as not reasonably possible to give proof within such tim

e, provided such proof is furnished as soon asreasonably possible and in no event, except in the absence of legal capacity, later than one (1) year from

the time proof is

otherwise required.

PAYM

ENT

OF C

LAIM

S:Benefits w

ill be paid to the Mem

ber. Loss of life benefits are payable in accordance with the

beneficiary designation in effect at the time of paym

ent. If none is then in effect, the benefits will be paid to the M

ember's

estate. Any other benefits unpaid at death m

ay be paid, at Our option, either to the M

embers beneficiary or estate.

If benefits are payable to the Mem

ber's estate or a beneficiary who cannot execute a valid release, W

e can pay benefits up to$3,000 to som

eone related to the Mem

ber or beneficiary by blood or marriage w

hom W

e consider to be entitled to the benefits.W

e will be discharged to the extent of any such paym

ent made in good faith.

TIME O

F PAYM

ENT

OF C

LAIM

S:Indemnities payable under the C

ertificate for any loss other than loss for which the

Certificate provides any periodical paym

ent, will be paid upon receipt of due w

ritten proof of such loss. Subject to due written

proof of loss, all accrued indemnities for loss for w

hich the Certificate provides periodical paym

ent will be paid m

onthly andany balance rem

aining unpaid upon the termination of liability w

ill be paid imm

ediately upon receipt of due written proof.

LEGA

LA

CTIO

NS:N

o legal action may be brought to recover on the C

ertificate within sixty (60) days after w

ritten proof ofloss has been given as required by the C

ertificate. No such action shall be brought after the applicable statute of lim

itationsfrom

the time w

ritten proof of loss is required to be given.

REIN

STATEMEN

T:In the event a Mem

ber fails to renew his m

embership prior to the expiration date, thereby causing this

insurance to lapse, and if said Mem

ber following said expiration date, renew

s his mem

bership, this insurance shall bereinstated, to cover only such loss or injury sustained by the M

ember after the date of reinstatem

ent.The Policy and A

pplication therefore constitute the entire contract between the parties and shall govern in interpretation of all

claims. Insurance w

ill apply only to participating AA

AA

uto Club m

embers w

ho become and rem

ain insured in accordancew

ith the provisions, terms and conditions of said Policy.

As evidence of this agreem

ent, this Certificate has been signed by A

AA

Life Insurance Com

pany at its Hom

e Office.

Harold W

. Huffstetler, Jr.,

PresidentAAAPAIC

ERTFL

(12/06) AAAPAIC

ERTFL

(12/06)

AA

ALI

FE IN

SUR

AN

CE

CO

MPA

NY

(ASt

ock

Com

pany

)17

250

New

burg

h R

oad,

Liv

onia

, MI

4815

2

THIS

DES

CR

IPTI

ON

OF

CO

VER

AG

E SU

MM

AR

IZES

YO

UR

PA

RTI

CIP

ATIO

N IN

AN

AC

CID

ENTA

LIN

JURY

AN

D D

EATH

GR

OU

PPO

LIC

YA

ND

IS N

OT

AU

TOM

OB

ILE

LIA

BIL

ITY

INSU

RA

NC

E C

OVE

RA

GE

Polic

yhol

der:

Ban

kNew

port

, as

Trus

tee

for A

AA

Gro

up In

sura

nce

Trus

t, M

iddl

etow

n, R

IG

roup

Pol

icy

Num

ber:

AA

APA

I -20

06

In th

is C

ertif

icat

e, th

e C

ertif

icat

eow

ner i

s re

ferr

ed to

as

"You

", "

Your

" or

"Yo

urs"

. Th

e A

AA

Life

Insu

ranc

e C

ompa

ny is

refe

rred

to a

s "W

e", "

Our

", o

r "U

s".

This

cov

erag

e in

sure

s ag

ains

t los

s re

sulti

ng, d

irect

ly a

nd in

depe

nden

tly o

f all

othe

r cau

ses,

from

acc

iden

tal b

odily

inju

ries

(Suc

h In

jury

) occ

urrin

g w

hile

the

Gro

up P

olic

y (P

olic

y) is

in fo

rce,

sub

ject

to th

e pr

ovis

ions

, con

ditio

ns a

nd li

mita

tions

of t

hePo

licy,

and

sus

tain

ed b

y th

e M

embe

r in

the

man

ner d

escr

ibed

in th

is C

ertif

icat

e. T

he b

enef

its o

f the

pol

icy

prov

idin

g yo

urco

vera

ge a

re g

over

ned

prim

arily

by

the

law

of a

stat

e ot

her

than

Flo

rida

.

SEC

TIO

N O

NE

- SC

HED

ULE

OF

SPEC

IFIC

LO

SSES

AN

D IN

DEM

NIT

IES

If a

n In

jury

sha

ll, w

ithin

nin

ety

(90)

day

s af

ter t

he d

ate

of th

e ac

cide

nt re

sult

in a

ny o

ne o

f the

loss

es li

sted

her

ein,

We

will

pay

for

such

loss

, as

follo

ws:

Pa

rts 1

and

2Pa

rts 3

, 4, 5

, 6, 7

, & 8

Col

umn

2C

olum

n 3

Col

umn

4FO

R L

OSS

OF

Col

umn

11s

t Yea

r 2n

d Ye

ar3r

d Ye

ar

Life

*$2

,500

.00

$1,0

00.0

0$1

,250

.00

$1,5

00.0

0Tw

o Li

mbs

or T

wo

Eyes

2,50

0.00

1,00

0.00

1,25

0.00

1,50

0.00

One

Lim

b an

d O

ne E

ye2,

500.

001,

000.

001,

250.

001,

500.

00O

ne L

imb

or O

ne E

ye1,

250.

0050

0.00

625.

0075

0.00

* Lo

ss o

f Life

ben

efit

only

will

be

incr

ease

d by

100

%, p

rovi

ded:

(1) t

he a

ccid

ent c

ausi

ng s

aid

loss

is c

over

ed b

y Pa

rt 3;

and

(2)

Proo

f is

subm

itted

to U

s th

at th

e de

ceas

ed w

as p

rope

rly w

earin

g a

seat

bel

t at t

he ti

me

of th

e ac

cide

nt.

Such

pro

of m

ust b

epr

ovid

ed in

the

form

of a

Pol

ice

Acc

iden

t Rep

ort o

r oth

er re

ason

able

pro

of th

at th

e de

ceas

ed in

sure

d w

as w

earin

g a

seat

bel

t at t

hetim

e th

e ac

cide

nt o

ccur

red

and

the

fata

l inj

urie

s w

ere

sust

aine

d.PR

OV

IDED

:(1

)lo

ss o

f lim

b sh

all m

ean

the

com

plet

e se

vera

nce

at o

r abo

ve th

e w

rist o

r ank

le jo

int;

loss

of e

ye o

r eye

s sh

all

mea

n th

e to

tal a

nd ir

reco

vera

ble

loss

of s

ight

ther

eof;

(2)

only

one

of t

he a

bove

sum

s (th

e gr

eate

st) s

hall

be p

ayab

le fo

r inj

urie

s re

sulti

ng fr

om a

ny o

ne a

ccid

ent;

or(3

)in

eve

nt o

f pay

men

t for

spe

cific

loss

no

inde

mni

ty w

ill b

e pa

id u

nder

Sec

tion

Two.

AC

CU

MU

LATI

ON

S: T

he in

dem

nitie

s sp

ecifi

ed in

Col

umn

2 ab

ove

shal

l be

incr

ease

d as

follo

ws:

(1

)to

the

inde

mni

ties

prov

ided

in C

olum

n 3

abov

e af

ter o

ne (1

) ful

l yea

r of m

embe

rshi

p in

the

Clu

b;

(2)

to th

e in

dem

nitie

s pr

ovid

ed in

Col

umn

4 ab

ove

afte

r tw

o (2

) ful

l yea

rs o

f mem

bers

hip

in th

e C

lub.

SEC

TIO

N T

WO

- O

THER

BEN

EFIT

SH

OSP

ITA

LB

ENEF

ITS:

If th

e M

embe

r, be

caus

e of

Inju

ry s

usta

ined

in a

man

ner s

peci

fied

in P

arts

1, 2

, 3, 4

, 5, 6

, 7, o

r 8 s

hall

beco

nfin

ed in

a H

ospi

tal a

s a

resi

dent

inpa

tient

for t

reat

men

t with

in n

inet

y (9

0) d

ays

from

the

date

of t

he a

ccid

ent,

We

will

pay

the

Insu

red

durin

g th

e pe

riod

of s

uch

conf

inem

ent n

ot e

xcee

ding

thre

e hu

ndre

d an

d si

xty-

five

(365

) day

s fr

om th

e da

te o

f the

acc

iden

t,at

the

rate

of F

iftee

n D

olla

rs ($

15.0

0) p

er d

ay.

MED

ICA

LEX

PEN

SES:

We

will

pay

the

Mem

ber f

or th

e ex

pens

es a

ctua

lly in

curr

ed fo

r the

follo

win

g, n

ot to

exc

eed

Twen

ty-f

ive

Dol

lars

($25

.00)

for e

ach:

O

pera

ting

Roo

mW

heel

Cha

irA

nest

hetic

Adm

inis

tratio

nB

lood

Tra

nsfu

sion

AM

BU

LAN

CE

FEE:

If a

s th

e re

sult

of a

n In

jury

, the

Mem

ber s

hall

requ

ire th

e se

rvic

es o

f an

ambu

lanc

e fo

r tra

nspo

rtatio

n or

oxyg

en in

hala

tion

ther

apy

durin

g tra

nspo

rtatio

n, to

the

hosp

ital,

We

will

pay

the

Mem

ber f

or th

e ex

pens

es a

ctua

lly in

curr

ed fo

r the

cost

of s

uch

serv

ice,

not

to e

xcee

d Te

n D

olla

rs ($

10.0

0).

EMER

GEN

CY

RO

OM

:If

as

the

resu

lt of

a c

over

ed a

ccid

ent o

r Inj

ury,

We

will

pay

the

Mem

ber f

or E

mer

genc

y R

oom

trea

tmen

t,no

t to

exce

ed T

wen

ty D

olla

rs ($

20.0

0).

SEC

TIO

N T

HR

EE-D

EPEN

DEN

T C

HIL

DR

EN O

F PR

IMA

RYM

EMB

ER (U

PTO

AG

E 19

)If

an

Elig

ible

Dep

ende

nt s

uffe

rs s

peci

fic lo

ss b

ecau

se o

f an

acci

dent

as

desc

ribed

in P

arts

1, 2

, 3, 4

, 5, 6

, 7, o

r 8 in

the

sam

em

anne

r and

und

er th

e sa

me

cond

ition

s m

entio

ned

ther

ein

for a

Mem

ber a

nd s

uch

loss

occ

urs

with

in n

inet

y (9

0) d

ays

follo

win

g th

eac

cide

nt, W

e w

ill p

ay to

the

Mem

ber b

enef

its a

s fo

llow

s:SP

ECIF

IC L

OSS

AM

OU

NT

Life

*$1

,000

.00

Two

Lim

bs o

r Tw

o Ey

es$1

,000

.00

One

Lim

b an

d O

ne E

ye$6

00.0

0O

ne L

imb

$400

.00

One

Eye

$250

.00

Elig

ible

Dep

ende

nt is

a c

hild

of t

he P

rimar

y M

embe

r inc

ludi

ng le

gally

ado

pted

chi

ldre

n, s

tepc

hild

ren,

and

cou

rt-ap

poin

ted

fost

erch

ildre

n fr

om b

irth

up to

nin

etee

n (1

9) y

ears

of a

ge w

ho a

re d

epen

dent

upo

n th

e In

sure

d fo

r the

mai

n pa

rt of

thei

r sup

port

and

mai

nten

ance

. In

eve

nt th

at a

n un

mar

ried

depe

nden

t chi

ld h

as p

asse

d hi

s ni

nete

enth

(19t

h) b

irthd

ay a

nd is

a fu

ll-tim

e st

uden

t at a

nac

cred

ited

colle

ge o

r uni

vers

ity, s

uch

child

will

con

tinue

to b

e an

elig

ible

Fam

ily M

embe

r up

to h

is tw

enty

-third

(23r

d) b

irthd

ay o

rth

e da

te h

e ce

ases

to b

e su

ch a

stu

dent

, whi

chev

er d

ate

occu

rs fi

rst.

The

atta

inm

ent o

f age

twen

ty-th

ree

(23)

will

not

term

inat

e th

isco

vera

ge fo

r an

Elig

ible

Dep

ende

nt w

ho is

bot

h:

(a)

inca

pabl

e of

sel

f-su

stai

ning

em

ploy

men

t by

reas

on o

f men

tal r

etar

datio

n or

phy

sica

l han

dica

p; a

nd

(b)

chie

fly d

epen

dent

upo

n th

e m

embe

r for

sup

port

and

mai

nten

ance

, pro

vide

d pr

oof o

f suc

h in

capa

city

and

dep

ende

ncy

is

furn

ishe

d to

the

Com

pany

with

in 3

1 da

ys o

f the

chi

ld's

atta

inm

ent o

f the

lim

iting

age

and

sub

sequ

ently

as

may

be

requ

ired

by th

e C

ompa

ny, b

ut n

ot m

ore

freq

uent

ly th

an a

nnua

lly a

fter t

he tw

o-ye

ar p

erio

d fo

llow

ing

the

child

's at

tain

men

t of t

he

limiti

ng a

ge.

Prim

ary

Mem

ber i

s a

Mem

ber o

f AA

AA

uto

Clu

b in

acc

orda

nce

with

the

reco

rds

of s

aid

Clu

b, a

s di

stin

guis

hed

from

an

Ass

ocia

te o

rsi

mila

r Mem

ber o

f the

Clu

b.

CO

ND

ITIO

NS

AN

D E

XCEP

TIO

NS:

If th

e El

igib

le D

epen

dent

is h

ospi

taliz

ed o

n th

e ef

fect

ive

date

of t

his

insu

ranc

e, c

over

age

does

not

beg

in u

ntil

disc

harg

edth

ere

from

.

NOTICE TO MEMBERS

This is a description of personal accidentinsurance providing indemnities in case ofcertain accidents involving: Railroad Trains —Buses — Street Railways — Subways —Passenger Elevators — Automobiles —Taxicabs— Steamships — Commercial Airplanes — andcertain accidents one is involved in as aPedestrian. It does not provide Liability,Property Damage, Fire or Theft Insurance.

Eligible dependent children of PrimaryMembers, up to the age of 19, are covered bythe Primary Member’s insurance (SectionThree).

If the Member and his spouse, who is also amember, should both be killed as a result of acovered accident, a Common Disaster benefittotaling $10,000 will be paid in addition tobenefits described in Section One. Read SectionFour carefully for complete details.

With the thousands killed and injured each yearon streets and highways, AAA seeks, in thisway, to bring help in time of trouble should yoube one of those unfortunate victims.

1515 N. Westshore Blvd.Tampa, FL, 33607

(813) 288-4538

This is a description of yourbenefits from the Policy

issued exclusively for AAAAuto Club South members.

Underwritten by:

Livonia, MI(A Stock Company)

Travel, Recreation andPedestrian Accident

Insurance

Auto Club South

IMPORTANT

YOUR ACCUMULATING BENEFITS ASPROVIDED UNDER SECTION ONE,

PAGE 1, APPLY TO PART3, 4, 5, 6, 7 AND 8.

1st year of membership — face value2nd year — plus 25% face value3rd year and subsequent years — plus 50% offace value

In case of accidental injury, fatal or otherwise,notice may be given to the Club or the nearestAAA office, which will furnish any possibleassistance in presenting a claim.

All communications regarding thisinsurance should be sent to:

AAA LIFE INSURANCE COMPANY17250 Newburgh Rd.

Livonia, MI 48152

PLEASE READ THISDOCUMENT

THIS INSURANCE GIVES YOU

WORLD-WIDE COVERAGE

PAYMENT OF BENEFITS FOR ANYLOSS UNDER THE POLICY WILL NOT

BE REDUCED BECAUSE OF ANYOTHER INSURANCE YOU MAY HAVE.

AAAPAICERTFL (12/06) ALDM-16612-17-XX

AAAP

AIC

ERTF

L(1

2/06

)

07-SU-0016

AA

APA

ICER

TFL

(2/0

9)

Gripper Edge

(2/09)

(2/09) A

AA

PAICERTFL (2/09)

17900 N. Laurel Park Drive Livonia, MI 48152-3985

1790

0 N

. Lau

rel P

ark

Driv

e, L

ivon

ia, M

I 481

52-3

985

(813) 289-5000

11-SU-0095

AAAPAICERT (12/11) ALDM-16612-811-XX

AA

APA

ICER

T (12/11)A

AA

PAIC

ERT (12/11)

AA

APA

ICER

T (1

2/11

)

This is a description of your benefits from the Policy issued exclusively for AAA members.

1515 N. Westshore Blvd.Tampa, FL 33607(813) 289-5000








ember.

SECTIO

N FO

UR

-CO

MM

ON

DISA

STER C

OVER

AG


roup Policy, We w









eC



enty-one (21)and w



SECTIO

N FIVE - TYPES O

F AC

CID

ENTS C

OVER

EDP A

RT1 - R

AILR

OA

D A

CC

IDEN

TS:We w







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2 - STEAM

SHIP, IN

TERU

RB

AN

, SUB

WAY

AN

D ELEVATED

AC

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ENTS:W


nityprovided in C







of passengers.

PART

3 - AU

TOM

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ton.

PART

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PART

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hile working in



PART

6 - PASSEN

GER

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RN

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ND

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ER N

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ED A

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IDEN

TS:We w

ill pay theindem




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hile the Mem



oke there from

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PART

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NTIN

G, GO

LF, SKIIN

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ND

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OW

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TS:We w


olumn 2 of








ater skiing); or(d)

By accidental drow


ise; or (e)

By accidental drow



P ART

8 - MO

TEL, HO

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RTA

ND

LOD

GIN

G H

OU

SE AC

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ENTS:W


nity provided inC





hich, at thetim


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owned prem


SECTIO

N SIX - EXPO

SUR

E AN

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ISAPPEA

RA

NC

EW






of the Certificate.




hich the Mem



ouldotherw


ed that the Mem



recking.

SECTIO

N SEVEN

- WO

RLD

-WID

E CO

VERA

GE




istrictof C


nited States of Am

erica and the Dom






n 2 of Section One.

SECTIO

N EIG

HT - EXC

EPTION

S AN

D LIM

ITATION

SExceptions: The C



pt thereat; or(b)




ay; or (c)


ar; or (d)


motion; or

(e)Sustained w



ent; or (f)



(g)R

esulting from the M



(h)Proxim


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(k)W


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While riding a m


SECTIO

N N

INE - D

EFINITIO

NS

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T OM

OB

ILEas used in the C





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compensation, m







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ore than one Mem




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dministration w





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N TEN

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ERA

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OVISIO

NS

CO

NTIN

UA

NC

E OF IN

SUR

AN

CE:

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ent of mem



ertificate.(b)

Termination of m

embership in the C


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ertificate.(c)



embership in the C



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F CLA

IM:W




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s. C

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hich claim is m

ade.

PRO

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F LOSS:W












the time proof is

otherwise required.

PAYM

ENT

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S:Benefits w





ember's









hom W




TIME O

F PAYM

ENT

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LAIM








ent will be paid m



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LA

CTIO

NS:N





itationsfrom

the time w


REIN

ST ATEMEN






s his mem





claims. Insurance w


AA

uto Club m

embers w

ho become and rem





AA

Life Insurance Com

pany at its Hom

e Office.

Harold W

. Huffstetler, Jr.,

PresidentAAAPAIC

ERTFL

(12/06) AAAPAIC

ERTFL

(12/06)

AA

ALI

FE IN

SUR

AN

CE

CO

MPA

NY

(ASt

ock

Com

pany

)17

250

New

burg

h R

oad,

Liv

onia

, MI

4815

2

THIS

DES

CR

IPTI

ON

OF

CO

VER

AG

E SU

MM

AR

IZES

YO

UR

PA

RTI

CIP

ATIO

N IN

AN

AC

CID

ENTA

LIN

JURY

AN

D D

EATH

GR

OU

PPO

LIC

YA

ND

IS N

OT

AU

TOM

OB

ILE

LIA

BIL

ITY

INSU

RA

NC

E C

OVE

RA

GE

Polic

yhol

der:

Ban

kNew

port

, as

Trus

tee

for A

AA

Gro

up In

sura

nce

Trus

t, M

iddl

etow

n, R

IG

roup

Pol

icy

Num

ber:

AA

APA

I -20

06

In th

is C

ertif

icat

e, th

e C

ertif

icat

eow

ner i

s re

ferr

ed to

as

"You

", "

Your

" or

"Yo

urs"

. Th

e A

AA

Life

Insu

ranc

e C

ompa

ny is

refe

rred

to a

s "W

e", "

Our

", o

r "U

s".

This

cov

erag

e in

sure

s ag

ains

t los

s re

sulti

ng, d

irect

ly a

nd in

depe

nden

tly o

f all

othe

r cau

ses,

from

acc

iden

tal b

odily

inju

ries

(Suc

h In

jury

) occ

urrin

g w

hile

the

Gro

up P

olic

y (P

olic

y) is

in fo

rce,

sub

ject

to th

e pr

ovis

ions

, con

ditio

ns a

nd li

mita

tions

of t

hePo

licy,

and

sus

tain

ed b

y th

e M

embe

r in

the

man

ner d

escr

ibed

in th

is C

ertif

icat

e. T

he b

enef

its o

f the

pol

icy

prov

idin

g yo

urco

vera

ge a

re g

over

ned

prim

arily

by

the

law

of a

stat

e ot

her

than

Flo

rida

.

SEC

TIO

N O

NE

- SC

HED

ULE

OF

SPEC

IFIC

LO

SSES

AN

D IN

DEM

NIT

IES

If a

n In

jury

sha

ll, w

ithin

nin

ety

(90)

day

s af

ter t

he d

ate

of th

e ac

cide

nt re

sult

in a

ny o

ne o

f the

loss

es li

sted

her

ein,

We

will

pay

for

such

loss

, as

follo

ws:

Pa

rts 1

and

2Pa

rts 3

, 4, 5

, 6, 7

, & 8

Col

umn

2C

olum

n 3

Col

umn

4FO

R L

OSS

OF

Col

umn

11s

t Yea

r 2n

d Ye

ar3r

d Ye

ar

Life

*$2

,500

.00

$1,0

00.0

0$1

,250

.00

$1,5

00.0

0Tw

o Li

mbs

or T

wo

Eyes

2,50

0.00

1,00

0.00

1,25

0.00

1,50

0.00

One

Lim

b an

d O

ne E

ye2,

500.

001,

000.

001,

250.

001,

500.

00O

ne L

imb

or O

ne E

ye1,

250.

0050

0.00

625.

0075

0.00

* Lo

ss o

f Life

ben

efit

only

will

be

incr

ease

d by

100

%, p

rovi

ded:

(1) t

he a

ccid

ent c

ausi

ng s

aid

loss

is c

over

ed b

y Pa

rt 3;

and

(2)

Proo

f is

subm

itted

to U

s th

at th

e de

ceas

ed w

as p

rope

rly w

earin

g a

seat

bel

t at t

he ti

me

of th

e ac

cide

nt.

Such

pro

of m

ust b

epr

ovid

ed in

the

form

of a

Pol

ice

Acc

iden

t Rep

ort o

r oth

er re

ason

able

pro

of th

at th

e de

ceas

ed in

sure

d w

as w

earin

g a

seat

bel

t at t

hetim

e th

e ac

cide

nt o

ccur

red

and

the

fata

l inj

urie

s w

ere

sust

aine

d.PR

OV

IDED

:(1

)lo

ss o

f lim

b sh

all m

ean

the

com

plet

e se

vera

nce

at o

r abo

ve th

e w

rist o

r ank

le jo

int;

loss

of e

ye o

r eye

s sh

all

mea

n th

e to

tal a

nd ir

reco

vera

ble

loss

of s

ight

ther

eof;

(2)

only

one

of t

he a

bove

sum

s (th

e gr

eate

st) s

hall

be p

ayab

le fo

r inj

urie

s re

sulti

ng fr

om a

ny o

ne a

ccid

ent;

or(3

)in

eve

nt o

f pay

men

t for

spe

cific

loss

no

inde

mni

ty w

ill b

e pa

id u

nder

Sec

tion

Two.

AC

CU

MU

LATI

ON

S: T

he in

dem

nitie

s sp

ecifi

ed in

Col

umn

2 ab

ove

shal

l be

incr

ease

d as

follo

ws:

(1

)to

the

inde

mni

ties

prov

ided

in C

olum

n 3

abov

e af

ter o

ne (1

) ful

l yea

r of m

embe

rshi

p in

the

Clu

b;

(2)

to th

e in

dem

nitie

s pr

ovid

ed in

Col

umn

4 ab

ove

afte

r tw

o (2

) ful

l yea

rs o

f mem

bers

hip

in th

e C

lub.

SEC

TIO

N T

WO

- O

THER

BEN

EFIT

SH

OSP

ITA

LB

ENEF

ITS:

If th

e M

embe

r, be

caus

e of

Inju

ry s

usta

ined

in a

man

ner s

peci

fied

in P

arts

1, 2

, 3, 4

, 5, 6

, 7, o

r 8 s

hall

beco

nfin

ed in

a H

ospi

tal a

s a

resi

dent

inpa

tient

for t

reat

men

t with

in n

inet

y (9

0) d

ays

from

the

date

of t

he a

ccid

ent,

We

will

pay

the

Insu

red

durin

g th

e pe

riod

of s

uch

conf

inem

ent n

ot e

xcee

ding

thre

e hu

ndre

d an

d si

xty-

five

(365

) day

s fr

om th

e da

te o

f the

acc

iden

t,at

the

rate

of F

iftee

n D

olla

rs ($

15.0

0) p

er d

ay.

MED

ICA

LEX

PEN

SES:

We

will

pay

the

Mem

ber f

or th

e ex

pens

es a

ctua

lly in

curr

ed fo

r the

follo

win

g, n

ot to

exc

eed

Twen

ty-f

ive

Dol

lars

($25

.00)

for e

ach:

O

pera

ting

Roo

mW

heel

Cha

irA

nest

hetic

Adm

inis

tratio

nB

lood

Tra

nsfu

sion

AM

BU

LAN

CE

FEE:

If a

s th

e re

sult

of a

n In

jury

, the

Mem

ber s

hall

requ

ire th

e se

rvic

es o

f an

ambu

lanc

e fo

r tra

nspo

rtatio

n or

oxyg

en in

hala

tion

ther

apy

durin

g tra

nspo

rtatio

n, to

the

hosp

ital,

We

will

pay

the

Mem

ber f

or th

e ex

pens

es a

ctua

lly in

curr

ed fo

r the

cost

of s

uch

serv

ice,

not

to e

xcee

d Te

n D

olla

rs ($

10.0

0).

EMER

GEN

CY

RO

OM

:If

as

the

resu

lt of

a c

over

ed a

ccid

ent o

r Inj

ury,

We

will

pay

the

Mem

ber f

or E

mer

genc

y R

oom

trea

tmen

t,no

t to

exce

ed T

wen

ty D

olla

rs ($

20.0

0).

SEC

TIO

N T

HR

EE-D

EPEN

DEN

T C

HIL

DR

EN O

F PR

IMA

RYM

EMB

ER (U

PTO

AG

E 19

)If

an

Elig

ible

Dep

ende

nt s

uffe

rs s

peci

fic lo

ss b

ecau

se o

f an

acci

dent

as

desc

ribed

in P

arts

1, 2

, 3, 4

, 5, 6

, 7, o

r 8 in

the

sam

em

anne

r and

und

er th

e sa

me

cond

ition

s m

entio

ned

ther

ein

for a

Mem

ber a

nd s

uch

loss

occ

urs

with

in n

inet

y (9

0) d

ays

follo

win

g th

eac

cide

nt, W

e w

ill p

ay to

the

Mem

ber b

enef

its a

s fo

llow

s:SP

ECIF

IC L

OSS

AM

OU

NT

Life

*$1

,000

.00

Two

Lim

bs o

r Tw

o Ey

es$1

,000

.00

One

Lim

b an

d O

ne E

ye$6

00.0

0O

ne L

imb

$400

.00

One

Eye

$250

.00

Elig

ible

Dep

ende

nt is

a c

hild

of t

he P

rimar

y M

embe

r inc

ludi

ng le

gally

ado

pted

chi

ldre

n, s

tepc

hild

ren,

and

cou

rt-ap

poin

ted

fost

erch

ildre

n fr

om b

irth

up to

nin

etee

n (1

9) y

ears

of a

ge w

ho a

re d

epen

dent

upo

n th

e In

sure

d fo

r the

mai

n pa

rt of

thei

r sup

port

and

mai

nten

ance

. In

eve

nt th

at a

n un

mar

ried

depe

nden

t chi

ld h

as p

asse

d hi

s ni

nete

enth

(19t

h) b

irthd

ay a

nd is

a fu

ll-tim

e st

uden

t at a

nac

cred

ited

colle

ge o

r uni

vers

ity, s

uch

child

will

con

tinue

to b

e an

elig

ible

Fam

ily M

embe

r up

to h

is tw

enty

-third

(23r

d) b

irthd

ay o

rth

e da

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NOTICE TO MEMBERS






(813) 288-4538



Underwritten by:



Insurance

Auto Club South

IMPORTANT







Livonia, MI 48152



WORLD-WIDE COVERAGE




AAAP

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12-MS-1211C


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07-SU-0016~PA

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EV.~ 07-23-09

In no event shall more than one loss be paid as a result of any one accident to the same Eligible Dependent. The insurance doesnot extend to the Eligible Dependents for the benefits described in Section Two. Except as otherwise provided in this Section,all benefits and coverages hereunder are subject to the same terms and conditions as apply where the loss is to the Member.

SECTION FOUR-COMMON DISASTER COVERAGEIn addition to any other benefits provided under the Group Policy, We will pay the sum of Ten Thousand Dollars

($10,000.00) in the event that accidental bodily injuries, sustained in the same accident for which benefits are payable undersuch Policy, results in the death of the Member and in the death of the legal spouse of the Member, within forty-eight (48)hours of each other, provided that the spouse of the Member is, at the time of the accident also insured under the sameCertificate, and that the Member and his legal spouse are survived by at least one (1) child who is under age twenty-one (21)and who is either a natural born, stepchild or legally adopted child of the Member or his legal spouse.

SECTION FIVE - TYPES OF ACCIDENTS COVEREDPART1 - RAILROAD ACCIDENTS:We will pay the indemnity provided in Column 1 of Section One or as providedby Section Two, if Such Injury shall be sustained:While riding as a fare-paying or pass-holding passenger within any railroad passenger train, in a place regularlyprovided for the general use of passengers.

PART2 - STEAMSHIP, INTERURBAN, SUBWAYAND ELEVATED ACCIDENTS:We will pay the indemnityprovided in Column 1 of Section One or as provided by Section Two, if Such Injury shall be sustained:While riding as a fare-paying or pass-holding passenger within a passenger steamship or steamboat, or passengerelectric interurban railway car, or passenger elevated or subway car, in a place regularly provided for the general useof passengers.

PART3 - AUTOMOBILE AND TRUCK ACCIDENTS:We will pay the indemnity provided in Column 2 of SectionOne or as provided by Section Two, if Injury shall be sustained:While riding within, driving, entering or exiting from any private automobile of the exclusively pleasure type or anyautomobile truck having a factory rated load capacity not in excess of ¾ ton.

PART4 - AIRPLANE, TAXICAB, AND MOTORBUS ACCIDENTS:We will pay the indemnity provided in Column2 of Section One or as provided by Section Two, if Such Injury shall be sustained:(a)While riding as a fare-paying or pass-holding passenger within a licensed passenger airplane provided by a

common carrier of passengers and while operated by a licensed transport pilot upon a regularly scheduled passenger flight between definitely established airports; or

(b)While riding as a fare-paying or pass-holding passenger within a taxicab, public omnibus, limousine, or hot air balloon which is being operated or driven by a licensed driver plying for public hire.

PART5 - PEDESTRIAN ACCIDENTS:We will pay the indemnity provided in Column 2 of Section One or asprovided by Section Two, if Injury shall be sustained:By being struck, knocked down or run over while walking or standing on a public street or public highway by anymotor driven vehicle which is in motion under its usual motive power (excluding injuries sustained while working in or on a public street or public highway, or while on a railroad right of way except an established crossing).

PART6 - PASSENGER ELEVATOR, BURNING BUILDING AND OTHER NAMED ACCIDENTS:We will pay theindemnity provided in Column 2 of Section One or as provided by Section Two, if Injury shall be sustained:(a)While riding within a passenger elevator (elevators in mines excepted); or(b)By the burning of a theatre, school, library, municipal building or church while the Member is therein and

provided that the Member is therein at the beginning of the fire and is burned by such fire or suffocated by the smoke there from; or

(c)By the collapse of the outer walls of a building while the Member is therein (except a building in process of construction, repair or demolition); or

(d)By being struck by lightning, cyclone, hurricane, or tornado, as defined by the National Weather Service.

PART7 - HUNTING, GOLF, SKIING AND DROWNING ACCIDENTS:We will pay the indemnity provided in Column 2 ofsection One or as provided by Section Two, if Injury shall be sustained:(a)By being accidentally shot while engaged in the sport of hunting in the field; or(b)By being struck by a golf ball or golf club while playing golf on a golf course; or(c)While skiing (including water skiing); or(d)By accidental drowning at a public bathing beach or pool during the time that a lifeguard is on duty and not otherwise; or (e)By accidental drowning while engaged in non-commercial fishing or boating, for pleasure only.

PART8 - MOTEL, HOTEL, RESORTAND LODGING HOUSE ACCIDENTS:We will pay the indemnity provided inColumn 2 of section One or as provided by Section Two, if Injury shall be sustained:By accidental bodily Injury while residing as a bona fide registered guest in any motel, hotel, resort or lodging by which, at thetime of accident, is currently a AAAofficial appointment, provided Such Injury resulting in death is received while on theowned premises of such motel, hotel, resort or lodging house.

SECTION SIX - EXPOSURE AND DISAPPEARANCEWhen by reason of an accident covered by the Certificate the Member is exposed to the elements and as a result of

such exposure shall suffer loss for which indemnity is otherwise payable hereunder, such loss shall be covered under the termsof the Certificate.

If the body of the Member has not been found within one (1) year after the date of disappearance, sinking or wreckingof the conveyance in which the Member was riding at the time of the accident and under such circumstances as wouldotherwise be covered hereunder, it will be presumed that the Member suffered loss of life resulting from Injury caused by anaccident at the time of such disappearance, sinking or wrecking.

SECTION SEVEN - WORLD-WIDE COVERAGEThe Certificate covers Injury sustained anywhere in the World. However, if the Injury is sustained outside the District

of Columbia, the states of the United States of America and the Dominion of Canada in a manner provided in Part 1 and Part 2shall result in any of the specific losses set out in Section One, payment for such loss shall be limited to the appropriateindemnity provided in Column 2 of Section One.

SECTION EIGHT - EXCEPTIONS AND LIMITATIONSExceptions: The Certificate does not cover loss or Injury

(a)Caused by suicide or any attempt thereat; or(b)Sustained by any driver or occupant of any automobile in any race or speed contest anywhere, or while testing any

automobile on any race track or speedway; or (c)Sustained as a result of war or any act of war; or (d)Sustained while actively participating in a riot, rebellion, or civil commotion; or (e)Sustained while performing any duty as a member of any police or fire department; or (f)Sustained while performing any duty as an operating railroad employee; or (g)Resulting from the Member's being drunk or under the influence of any narcotic unless administered on the

advice of a physician; or (h)Proximately caused by any sickness or disease; or (i)Resulting from poisoning or asphyxiation (whether voluntary or involuntary); or (j)Sustained while operating an automobile as the paid driver thereof; or (k)While doing any act of violation of criminal law; or (l)Caused by accidental shooting except as covered under Part 7 (a); or (m)While riding a motorcycle, bicycle, tricycle or privately owned aerial vehicle.

SECTION NINE - DEFINITIONSAUTOMOBILEas used in the Certificate does not include tractors, trucks having a factory rated load capacity over ¾ ton,trailers, road or farm machinery, motorcycles, motor scooters or any vehicle or device for aerial navigation.

HOSPITALas used in this Certificate means an institution which is constituted and operated, pursuant to law, to provide forcompensation, medical and surgical treatment for bodily injury and sickness under the care of physicians and surgeons on aninpatient basis and with continuous twenty-four (24) hour nursing service by registered graduate nurses. The term Hospitalshall not include an institution which is other than incidentally, a place for rest, a place for the aged, a place for drug addicts, aplace for alcoholics, a nursing home, or an outpatient clinic.

MEMBERis a person whose name appears in good standing in the active files of the Club. If more than one Membership isissued to one (1) person, the amount of liability under the Certificate shall be limited to the amount payable under theMembership bearing the earliest effective date and any premium paid to Us for excessive coverage shall be refunded.

SEATBELTshall mean any unaltered seat belt or lap and shoulder restraint installed in the vehicle involved in the accident; itshall also include any child restraint approved by the national Highway Traffic Safety Administration where the deceased is achild covered by the Certificate and is properly secured in a restraint utilized as recommended by the manufacturer forchildren of like age and weight.

SECTION TEN - GENERALPROVISIONSCONTINUANCE OF INSURANCE:(a)Payment of membership dues to the Club automatically renews the insurance granted by the Certificate.(b)Termination of membership in the Club shall, without further action on the part of the Club or Us, terminate

the insurance granted under the Certificate.(c)In the event of termination of the Group Policy by the Policyholder, insurance coverage shall continue,

subject to paragraph (a) above, until the anniversary date of the membership in the Club next following the effective date of such termination.

NOTICE OF CLAIM:Written notice of claim must be given to the Club or Us within thirty (30) days after the occurrence orcommencement of any loss covered by the Certificate, or as soon thereafter as is reasonably possible. Notice given by or onbehalf of the Member or the beneficiary to Us or the Club office, or to any authorized agent of Ours with informationsufficient to identify the Member, shall be deemed notice to Us. CLAIM FORMS:We or the Club, upon receipt of a notice of claim, will furnish to the claimant such forms as are usuallyfurnished for filing proofs of loss. If such forms are not furnished within fifteen (15) days after the giving of such notice, theclaimant shall be deemed to have complied with the requirements of the Certificate as to proofs of loss, written proof coveringthe occurrence, the character and extent of the loss for which claim is made.

PROOF OF LOSS:Written proof of the loss must be furnished to Us or the Club in case of claim for loss under Section Twowithin ninety (90) days after the termination of the period for which We are liable and, in case of claim for other loss, withinninety (90) days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate norreduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon asreasonably possible and in no event, except in the absence of legal capacity, later than one (1) year from the time proof isotherwise required.

PAYMENTOF CLAIMS:Benefits will be paid to the Member. Loss of life benefits are payable in accordance with thebeneficiary designation in effect at the time of payment. If none is then in effect, the benefits will be paid to the Member'sestate. Any other benefits unpaid at death may be paid, at Our option, either to the Members beneficiary or estate.

If benefits are payable to the Member's estate or a beneficiary who cannot execute a valid release, We can pay benefits up to$3,000 to someone related to the Member or beneficiary by blood or marriage whom We consider to be entitled to the benefits.We will be discharged to the extent of any such payment made in good faith.

TIME OF PAYMENTOF CLAIMS:Indemnities payable under the Certificate for any loss other than loss for which theCertificate provides any periodical payment, will be paid upon receipt of due written proof of such loss. Subject to due writtenproof of loss, all accrued indemnities for loss for which the Certificate provides periodical payment will be paid monthly andany balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.

LEGALACTIONS:No legal action may be brought to recover on the Certificate within sixty (60) days after written proof ofloss has been given as required by the Certificate. No such action shall be brought after the applicable statute of limitationsfrom the time written proof of loss is required to be given.

REINSTATEMENT:In the event a Member fails to renew his membership prior to the expiration date, thereby causing thisinsurance to lapse, and if said Member following said expiration date, renews his membership, this insurance shall bereinstated, to cover only such loss or injury sustained by the Member after the date of reinstatement.The Policy and Application therefore constitute the entire contract between the parties and shall govern in interpretation of allclaims. Insurance will apply only to participating AAAAuto Club members who become and remain insured in accordancewith the provisions, terms and conditions of said Policy.

As evidence of this agreement, this Certificate has been signed by AAALife Insurance Company at its Home Office.

Harold W. Huffstetler, Jr., PresidentAAAPAICERTFL(12/06) AAAPAICERTFL(12/06)

AAA LIFE INSURANCE COMPANY(A Stock Company)

17250 Newburgh Road, Livonia, MI 48152

THIS DESCRIPTION OF COVERAGE SUMMARIZES YOUR PARTICIPATION IN AN ACCIDENTAL INJURY AND DEATH GROUP POLICYAND IS NOT AUTOMOBILE LIABILITY INSURANCE COVERAGE

Policyholder: BankNewport, as Trustee for AAA Group Insurance Trust, Middletown, RIGroup Policy Number: AAA PAI -2006

In this Certificate, the Certificateowner is referred to as "You", "Your" or "Yours". The AAA Life Insurance Company isreferred to as "We", "Our", or "Us".

This coverage insures against loss resulting, directly and independently of all other causes, from accidental bodily injuries(Such Injury) occurring while the Group Policy (Policy) is in force, subject to the provisions, conditions and limitations of thePolicy, and sustained by the Member in the manner described in this Certificate. The benefits of the policy providing yourcoverage are governed primarily by the law of a state other than Florida.

SECTION ONE - SCHEDULE OF SPECIFIC LOSSES AND INDEMNITIESIf an Injury shall, within ninety (90) days after the date of the accident result in any one of the losses listed herein, We will pay forsuch loss, as follows:

Parts 1 and 2 Parts 3, 4, 5, 6, 7, & 8Column 2 Column 3 Column 4

FOR LOSS OF Column 1 1st Year 2nd Year 3rd Year

Life* $2,500.00 $1,000.00 $1,250.00 $1,500.00Two Limbs or Two Eyes 2,500.00 1,000.00 1,250.00 1,500.00One Limb and One Eye 2,500.00 1,000.00 1,250.00 1,500.00One Limb or One Eye 1,250.00 500.00 625.00 750.00

* Loss of Life benefit only will be increased by 100%, provided: (1) the accident causing said loss is covered by Part 3; and (2)Proof is submitted to Us that the deceased was properly wearing a seat belt at the time of the accident. Such proof must beprovided in the form of a Police Accident Report or other reasonable proof that the deceased insured was wearing a seat belt at thetime the accident occurred and the fatal injuries were sustained.

PROVIDED:(1) loss of limb shall mean the complete severance at or above the wrist or ankle joint; loss of eye or eyes shall

mean the total and irrecoverable loss of sight thereof;(2) only one of the above sums (the greatest) shall be payable for injuries resulting from any one accident; or(3) in event of payment for specific loss no indemnity will be paid under Section Two.ACCUMULATIONS: The indemnities specified in Column 2 above shall be increased as follows: (1) to the indemnities provided in Column 3 above after one (1) full year of membership in the Club; (2) to the indemnities provided in Column 4 above after two (2) full years of membership in the Club.

SECTION TWO - OTHER BENEFITSHOSPITAL BENEFITS: If the Member, because of Injury sustained in a manner specified in Parts 1, 2, 3, 4, 5, 6, 7, or 8 shall beconfined in a Hospital as a resident inpatient for treatment within ninety (90) days from the date of the accident, We will pay theInsured during the period of such confinement not exceeding three hundred and sixty-five (365) days from the date of the accident,at the rate of Fifteen Dollars ($15.00) per day.

MEDICAL EXPENSES: We will pay the Member for the expenses actually incurred for the following, not to exceed Twenty-fiveDollars ($25.00) for each:

Operating Room Wheel ChairAnesthetic Administration Blood Transfusion

AMBULANCE FEE: If as the result of an Injury, the Member shall require the services of an ambulance for transportation oroxygen inhalation therapy during transportation, to the hospital, We will pay the Member for the expenses actually incurred for thecost of such service, not to exceed Ten Dollars ($10.00).EMERGENCY ROOM: If as the result of a covered accident or Injury, We will pay the Member for Emergency Room treatment,not to exceed Twenty Dollars ($20.00).

SECTION THREE-DEPENDENT CHILDREN OF PRIMARY MEMBER (UP TO AGE 19)If an Eligible Dependent suffers specific loss because of an accident as described in Parts 1, 2, 3, 4, 5, 6, 7, or 8 in the same

manner and under the same conditions mentioned therein for a Member and such loss occurs within ninety (90) days following theaccident, We will pay to the Member benefits as follows:

SPECIFIC LOSS AMOUNTLife* $1,000.00Two Limbs or Two Eyes $1,000.00One Limb and One Eye $600.00One Limb $400.00One Eye $250.00

Eligible Dependent is a child of the Primary Member including legally adopted children, stepchildren, and court-appointed fosterchildren from birth up to nineteen (19) years of age who are dependent upon the Insured for the main part of their support andmaintenance. In event that an unmarried dependent child has passed his nineteenth (19th) birthday and is a full-time student at anaccredited college or university, such child will continue to be an eligible Family Member up to his twenty-third (23rd) birthday orthe date he ceases to be such a student, whichever date occurs first. The attainment of age twenty-three (23) will not terminate thiscoverage for an Eligible Dependent who is both: (a) incapable of self-sustaining employment by reason of mental retardation or physical handicap; and (b) chiefly dependent upon the member for support and maintenance, provided proof of such incapacity and dependency is

furnished to the Company within 31 days of the child's attainment of the limiting age and subsequently as may be required by the Company, but not more frequently than annually after the two-year period following the child's attainment of the limiting age.

Primary Member is a Member of AAA Auto Club in accordance with the records of said Club, as distinguished from an Associate orsimilar Member of the Club.

CONDITIONS AND EXCEPTIONS:If the Eligible Dependent is hospitalized on the effective date of this insurance, coverage does not begin until discharged

there from.

NO

TICE TO

MEM

BER

S

This is a description of personal accidentinsurance providing indem

nities in case ofcertain accidents involving: R

ailroad Trains —B

uses — Street R

ailways —

Subways —

Passenger Elevators — A

utomobiles —

Taxicabs—

Steamships —

Com

mercial A

irplanes — and

certain accidents one is involved in as aPedestrian. It does not provide Liability,Property D

amage, Fire or Theft Insurance.

Eligible dependent children of Primary

Mem

bers, up to the age of 19, are covered bythe Prim

ary Mem

ber’s insurance (SectionThree).

If the Mem

ber and his spouse, who is also a

mem

ber, should both be killed as a result of acovered accident, a C

omm

on Disaster benefit

totaling $10,000 will be paid in addition to

benefits described in Section One. R

ead SectionFour carefully for com

plete details.

With the thousands killed and injured each year

on streets and highways, A

AA

seeks, in thisw

ay, to bring help in time of trouble should you

be one of those unfortunate victims.

1515 N. W

estshore Blvd.

Tampa, FL, 33607

(813) 288-4538

This is a description of yourbenefits from

the Policy

issued exclusively for AA

AA

uto Club S

outh mem

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Underw

ritten by:

Livonia, MI

(AStock C

ompany)

Travel, Recreation and

Pedestrian Accident

Insurance

Au

to C

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PAGE 1, APPLY

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1styear of m

embership —

face value2

ndyear — plus 25%

face value3

rdyear and subsequent years — plus 50%

offace value

In case of accidental injury, fatal or otherwise,

notice may be given to the C

lub or the nearestA

AA

office, which w

ill furnish any possibleassistance in presenting a claim

.

All comm

unications regarding thisinsurance should be sent to:

AA

ALIFE IN

SUR

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PAN

Y17250 N

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d.Livonia, M

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AAAPAICER

TFL(12/06)

ALDM

-16612-17-XX

AAAPAICERTFL (12/06)

07-SU-0016

AAAPAICERTFL (2/09)

Gripper Edge

(2/09)

(2/09) AAAPAICERTFL (2/09)

17900 N. Laurel Park D

rive Livonia, M

I 48152-3985

17900 N. Laurel Park Drive, Livonia, MI 48152-3985

(813) 289-5000

11-SU-0095

AA

APA

ICER

T (12/11) ALD

M-16612-811-X

X

AAAPAICERT (12/11) AAAPAICERT (12/11)

AAAPAICERT (12/11)

This is a description of your benefits from

the Policy issued exclusively for AAA m

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1515 N. W

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(813) 289-5000

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In no event shall more than one loss be paid as a result of any one accident to the same Eligible Dependent. The insurance doesnot extend to the Eligible Dependents for the benefits described in Section Two. Except as otherwise provided in this Section,all benefits and coverages hereunder are subject to the same terms and conditions as apply where the loss is to the Member.

SECTION FOUR-COMMON DISASTER COVERAGEIn addition to any other benefits provided under the Group Policy, We will pay the sum of Ten Thousand Dollars

($10,000.00) in the event that accidental bodily injuries, sustained in the same accident for which benefits are payable undersuch Policy, results in the death of the Member and in the death of the legal spouse of the Member, within forty-eight (48)hours of each other, provided that the spouse of the Member is, at the time of the accident also insured under the sameCertificate, and that the Member and his legal spouse are survived by at least one (1) child who is under age twenty-one (21)and who is either a natural born, stepchild or legally adopted child of the Member or his legal spouse.

SECTION FIVE - TYPES OF ACCIDENTS COVEREDPART 1 - RAILROAD ACCIDENTS: We will pay the indemnity provided in Column 1 of Section One or as providedby Section Two, if Such Injury shall be sustained:While riding as a fare-paying or pass-holding passenger within any railroad passenger train, in a place regularlyprovided for the general use of passengers.

PART 2 - STEAMSHIP, INTERURBAN, SUBWAY AND ELEVATED ACCIDENTS: We will pay the indemnityprovided in Column 1 of Section One or as provided by Section Two, if Such Injury shall be sustained:While riding as a fare-paying or pass-holding passenger within a passenger steamship or steamboat, or passengerelectric interurban railway car, or passenger elevated or subway car, in a place regularly provided for the general useof passengers.

PART 3 - AUTOMOBILE AND TRUCK ACCIDENTS: We will pay the indemnity provided in Column 2 of SectionOne or as provided by Section Two, if Injury shall be sustained:While riding within, driving, entering or exiting from any private automobile of the exclusively pleasure type or anyautomobile truck having a factory rated load capacity not in excess of ¾ ton.

PART 4 - AIRPLANE, TAXICAB, AND MOTORBUS ACCIDENTS: We will pay the indemnity provided in Column2 of Section One or as provided by Section Two, if Such Injury shall be sustained:(a) While riding as a fare-paying or pass-holding passenger within a licensed passenger airplane provided by a

common carrier of passengers and while operated by a licensed transport pilot upon a regularly scheduled passenger flight between definitely established airports; or

(b) While riding as a fare-paying or pass-holding passenger within a taxicab, public omnibus, limousine, or hot air balloon which is being operated or driven by a licensed driver plying for public hire.

PART 5 - PEDESTRIAN ACCIDENTS: We will pay the indemnity provided in Column 2 of Section One or asprovided by Section Two, if Injury shall be sustained:By being struck, knocked down or run over while walking or standing on a public street or public highway by anymotor driven vehicle which is in motion under its usual motive power (excluding injuries sustained while working in or on a public street or public highway, or while on a railroad right of way except an established crossing).

PART 6 - PASSENGER ELEVATOR, BURNING BUILDING AND OTHER NAMED ACCIDENTS: We will pay theindemnity provided in Column 2 of Section One or as provided by Section Two, if Injury shall be sustained:(a) While riding within a passenger elevator (elevators in mines excepted); or(b) By the burning of a theatre, school, library, municipal building or church while the Member is therein and

provided that the Member is therein at the beginning of the fire and is burned by such fire or suffocated by the smoke there from; or

(c) By the collapse of the outer walls of a building while the Member is therein (except a building in process of construction, repair or demolition); or

(d) By being struck by lightning, cyclone, hurricane, or tornado, as defined by the National Weather Service.

PART 7 - HUNTING, GOLF, SKIING AND DROWNING ACCIDENTS: We will pay the indemnity provided in Column 2 ofsection One or as provided by Section Two, if Injury shall be sustained:(a) By being accidentally shot while engaged in the sport of hunting in the field; or(b) By being struck by a golf ball or golf club while playing golf on a golf course; or(c) While skiing (including water skiing); or(d) By accidental drowning at a public bathing beach or pool during the time that a lifeguard is on duty and not otherwise; or (e) By accidental drowning while engaged in non-commercial fishing or boating, for pleasure only.

PART 8 - MOTEL, HOTEL, RESORT AND LODGING HOUSE ACCIDENTS: We will pay the indemnity provided inColumn 2 of section One or as provided by Section Two, if Injury shall be sustained:By accidental bodily Injury while residing as a bona fide registered guest in any motel, hotel, resort or lodging by which, at thetime of accident, is currently a AAA official appointment, provided Such Injury resulting in death is received while on theowned premises of such motel, hotel, resort or lodging house.

SECTION SIX - EXPOSURE AND DISAPPEARANCEWhen by reason of an accident covered by the Certificate the Member is exposed to the elements and as a result of

such exposure shall suffer loss for which indemnity is otherwise payable hereunder, such loss shall be covered under the termsof the Certificate.

If the body of the Member has not been found within one (1) year after the date of disappearance, sinking or wreckingof the conveyance in which the Member was riding at the time of the accident and under such circumstances as wouldotherwise be covered hereunder, it will be presumed that the Member suffered loss of life resulting from Injury caused by anaccident at the time of such disappearance, sinking or wrecking.

SECTION SEVEN - WORLD-WIDE COVERAGEThe Certificate covers Injury sustained anywhere in the World. However, if the Injury is sustained outside the District

of Columbia, the states of the United States of America and the Dominion of Canada in a manner provided in Part 1 and Part 2shall result in any of the specific losses set out in Section One, payment for such loss shall be limited to the appropriateindemnity provided in Column 2 of Section One.

SECTION EIGHT - EXCEPTIONS AND LIMITATIONSExceptions: The Certificate does not cover loss or Injury

(a) Caused by suicide or any attempt thereat; or(b) Sustained by any driver or occupant of any automobile in any race or speed contest anywhere, or while testing any

automobile on any race track or speedway; or (c) Sustained as a result of war or any act of war; or (d) Sustained while actively participating in a riot, rebellion, or civil commotion; or (e) Sustained while performing any duty as a member of any police or fire department; or (f) Sustained while performing any duty as an operating railroad employee; or (g) Resulting from the Member's being drunk or under the influence of any narcotic unless administered on the

advice of a physician; or (h) Proximately caused by any sickness or disease; or (i) Resulting from poisoning or asphyxiation (whether voluntary or involuntary); or (j) Sustained while operating an automobile as the paid driver thereof; or (k) While doing any act of violation of criminal law; or (l) Caused by accidental shooting except as covered under Part 7 (a); or (m) While riding a motorcycle, bicycle, tricycle or privately owned aerial vehicle.

SECTION NINE - DEFINITIONSAUTOMOBILE as used in the Certificate does not include tractors, trucks having a factory rated load capacity over ¾ ton,trailers, road or farm machinery, motorcycles, motor scooters or any vehicle or device for aerial navigation.

HOSPITAL as used in this Certificate means an institution which is constituted and operated, pursuant to law, to provide forcompensation, medical and surgical treatment for bodily injury and sickness under the care of physicians and surgeons on aninpatient basis and with continuous twenty-four (24) hour nursing service by registered graduate nurses. The term Hospitalshall not include an institution which is other than incidentally, a place for rest, a place for the aged, a place for drug addicts, aplace for alcoholics, a nursing home, or an outpatient clinic.

MEMBER is a person whose name appears in good standing in the active files of the Club. If more than one Membership isissued to one (1) person, the amount of liability under the Certificate shall be limited to the amount payable under theMembership bearing the earliest effective date and any premium paid to Us for excessive coverage shall be refunded.

SEAT BELT shall mean any unaltered seat belt or lap and shoulder restraint installed in the vehicle involved in the accident; itshall also include any child restraint approved by the national Highway Traffic Safety Administration where the deceased is achild covered by the Certificate and is properly secured in a restraint utilized as recommended by the manufacturer forchildren of like age and weight.

SECTION TEN - GENERAL PROVISIONSCONTINUANCE OF INSURANCE:(a) Payment of membership dues to the Club automatically renews the insurance granted by the Certificate.(b) Termination of membership in the Club shall, without further action on the part of the Club or Us, terminate

the insurance granted under the Certificate.(c) In the event of termination of the Group Policy by the Policyholder, insurance coverage shall continue,

subject to paragraph (a) above, until the anniversary date of the membership in the Club next following the effective date of such termination.

NOTICE OF CLAIM: Written notice of claim must be given to the Club or Us within thirty (30) days after the occurrence orcommencement of any loss covered by the Certificate, or as soon thereafter as is reasonably possible. Notice given by or onbehalf of the Member or the beneficiary to Us or the Club office, or to any authorized agent of Ours with informationsufficient to identify the Member, shall be deemed notice to Us. CLAIM FORMS: We or the Club, upon receipt of a notice of claim, will furnish to the claimant such forms as are usuallyfurnished for filing proofs of loss. If such forms are not furnished within fifteen (15) days after the giving of such notice, theclaimant shall be deemed to have complied with the requirements of the Certificate as to proofs of loss, written proof coveringthe occurrence, the character and extent of the loss for which claim is made.

PROOF OF LOSS: Written proof of the loss must be furnished to Us or the Club in case of claim for loss under Section Twowithin ninety (90) days after the termination of the period for which We are liable and, in case of claim for other loss, withinninety (90) days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate norreduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon asreasonably possible and in no event, except in the absence of legal capacity, later than one (1) year from the time proof isotherwise required.

PAYMENT OF CLAIMS: Benefits will be paid to the Member. Loss of life benefits are payable in accordance with thebeneficiary designation in effect at the time of payment. If none is then in effect, the benefits will be paid to the Member'sestate. Any other benefits unpaid at death may be paid, at Our option, either to the Members beneficiary or estate.

If benefits are payable to the Member's estate or a beneficiary who cannot execute a valid release, We can pay benefits up to$3,000 to someone related to the Member or beneficiary by blood or marriage whom We consider to be entitled to the benefits.We will be discharged to the extent of any such payment made in good faith.

TIME OF PAYMENT OF CLAIMS: Indemnities payable under the Certificate for any loss other than loss for which theCertificate provides any periodical payment, will be paid upon receipt of due written proof of such loss. Subject to due writtenproof of loss, all accrued indemnities for loss for which the Certificate provides periodical payment will be paid monthly andany balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.

LEGAL ACTIONS: No legal action may be brought to recover on the Certificate within sixty (60) days after written proof ofloss has been given as required by the Certificate. No such action shall be brought after the applicable statute of limitationsfrom the time written proof of loss is required to be given.

REINSTATEMENT: In the event a Member fails to renew his membership prior to the expiration date, thereby causing thisinsurance to lapse, and if said Member following said expiration date, renews his membership, this insurance shall bereinstated, to cover only such loss or injury sustained by the Member after the date of reinstatement.The Policy and Application therefore constitute the entire contract between the parties and shall govern in interpretation of allclaims. Insurance will apply only to participating AAA Auto Club members who become and remain insured in accordancewith the provisions, terms and conditions of said Policy.

As evidence of this agreement, this Certificate has been signed by AAA Life Insurance Company at its Home Office.

Harold W. Huffstetler, Jr., President AAAPAICERTFL (12/06) AAAPAICERTFL (12/06)

AAALIFE INSURANCE COMPANY(AStock Company)

17250 Newburgh Road, Livonia, MI 48152

THIS DESCRIPTION OF COVERAGE SUMMARIZES YOUR PARTICIPATION IN AN ACCIDENTALINJURYAND DEATH GROUPPOLICYAND IS NOT AUTOMOBILE LIABILITYINSURANCE COVERAGE

Policyholder: BankNewport, as Trustee for AAAGroup Insurance Trust, Middletown, RIGroup Policy Number: AAAPAI -2006

In this Certificate, the Certificateowner is referred to as "You", "Your" or "Yours". The AAALife Insurance Company isreferred to as "We", "Our", or "Us".

This coverage insures against loss resulting, directly and independently of all other causes, from accidental bodily injuries(Such Injury) occurring while the Group Policy (Policy) is in force, subject to the provisions, conditions and limitations of thePolicy, and sustained by the Member in the manner described in this Certificate. The benefits of the policy providing yourcoverage are governed primarily by the law of a state otherthan Florida.

SECTION ONE - SCHEDULE OF SPECIFIC LOSSES AND INDEMNITIESIf an Injury shall, within ninety (90) days after the date of the accident result in any one of the losses listed herein, We will pay forsuch loss, as follows:

Parts 1 and 2Parts 3, 4, 5, 6, 7, & 8Column 2Column 3Column 4

FOR LOSS OFColumn 11st Year 2nd Year3rd Year

Life*$2,500.00$1,000.00$1,250.00$1,500.00Two Limbs or Two Eyes2,500.001,000.001,250.001,500.00One Limb and One Eye2,500.001,000.001,250.001,500.00One Limb or One Eye1,250.00500.00625.00750.00

* Loss of Life benefit only will be increased by 100%, provided: (1) the accident causing said loss is covered by Part 3; and (2)Proof is submitted to Us that the deceased was properly wearing a seat belt at the time of the accident. Such proof must beprovided in the form of a Police Accident Report or other reasonable proof that the deceased insured was wearing a seat belt at thetime the accident occurred and the fatal injuries were sustained.

PROVIDED:(1)loss of limb shall mean the complete severance at or above the wrist or ankle joint; loss of eye or eyes shall

mean the total and irrecoverable loss of sight thereof;(2)only one of the above sums (the greatest) shall be payable for injuries resulting from any one accident; or(3)in event of payment for specific loss no indemnity will be paid under Section Two.ACCUMULATIONS: The indemnities specified in Column 2 above shall be increased as follows: (1)to the indemnities provided in Column 3 above after one (1) full year of membership in the Club; (2)to the indemnities provided in Column 4 above after two (2) full years of membership in the Club.

SECTION TWO - OTHER BENEFITSHOSPITALBENEFITS:If the Member, because of Injury sustained in a manner specified in Parts 1, 2, 3, 4, 5, 6, 7, or 8 shall beconfined in a Hospital as a resident inpatient for treatment within ninety (90) days from the date of the accident, We will pay theInsured during the period of such confinement not exceeding three hundred and sixty-five (365) days from the date of the accident,at the rate of Fifteen Dollars ($15.00) per day.

MEDICALEXPENSES:We will pay the Member for the expenses actually incurred for the following, not to exceed Twenty-fiveDollars ($25.00) for each:

Operating RoomWheel ChairAnesthetic AdministrationBlood Transfusion

AMBULANCE FEE:If as the result of an Injury, the Member shall require the services of an ambulance for transportation oroxygen inhalation therapy during transportation, to the hospital, We will pay the Member for the expenses actually incurred for thecost of such service, not to exceed Ten Dollars ($10.00).EMERGENCYROOM:If as the result of a covered accident or Injury, We will pay the Member for Emergency Room treatment,not to exceed Twenty Dollars ($20.00).

SECTION THREE-DEPENDENT CHILDREN OF PRIMARYMEMBER (UPTO AGE 19)If an Eligible Dependent suffers specific loss because of an accident as described in Parts 1, 2, 3, 4, 5, 6, 7, or 8 in the same

manner and under the same conditions mentioned therein for a Member and such loss occurs within ninety (90) days following theaccident, We will pay to the Member benefits as follows:

SPECIFIC LOSSAMOUNTLife*$1,000.00Two Limbs or Two Eyes$1,000.00One Limb and One Eye$600.00One Limb$400.00One Eye$250.00

Eligible Dependent is a child of the Primary Member including legally adopted children, stepchildren, and court-appointed fosterchildren from birth up to nineteen (19) years of age who are dependent upon the Insured for the main part of their support andmaintenance. In event that an unmarried dependent child has passed his nineteenth (19th) birthday and is a full-time student at anaccredited college or university, such child will continue to be an eligible Family Member up to his twenty-third (23rd) birthday orthe date he ceases to be such a student, whichever date occurs first. The attainment of age twenty-three (23) will not terminate thiscoverage for an Eligible Dependent who is both: (a)incapable of self-sustaining employment by reason of mental retardation or physical handicap; and (b)chiefly dependent upon the member for support and maintenance, provided proof of such incapacity and dependency is

furnished to the Company within 31 days of the child's attainment of the limiting age and subsequently as may be required by the Company, but not more frequently than annually after the two-year period following the child's attainment of the limiting age.

Primary Member is a Member of AAAAuto Club in accordance with the records of said Club, as distinguished from an Associate orsimilar Member of the Club.

CONDITIONS AND EXCEPTIONS:If the Eligible Dependent is hospitalized on the effective date of this insurance, coverage does not begin until discharged

there from.

NO

TIC

E TO

MEM

BER

S

This

is a

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AAAPAICERT (12/11)

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PresidentAAAPAIC

ERTFL

(12/06) AAAPAIC

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(12/06)

AA

ALI

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burg

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up In

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In th

is C

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ner i

s re

ferr

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as

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e A

AA

Life

Insu

ranc

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ny is

refe

rred

to a

s "W

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cov

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sure

s ag

ains

t los

s re

sulti

ng, d

irect

ly a

nd in

depe

nden

tly o

f all

othe

r cau

ses,

from

acc

iden

tal b

odily

inju

ries

(Suc

h In

jury

) occ

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g w

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the

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up P

olic

y (P

olic

y) is

in fo

rce,

sub

ject

to th

e pr

ovis

ions

, con

ditio

ns a

nd li

mita

tions

of t

hePo

licy,

and

sus

tain

ed b

y th

e M

embe

r in

the

man

ner d

escr

ibed

in th

is C

ertif

icat

e. T

he b

enef

its o

f the

pol

icy

prov

idin

g yo

urco

vera

ge a

re g

over

ned

prim

arily

by

the

law

of a

stat

e ot

her

than

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rida

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SEC

TIO

N O

NE

- SC

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OF

SPEC

IFIC

LO

SSES

AN

D IN

DEM

NIT

IES

If a

n In

jury

sha

ll, w

ithin

nin

ety

(90)

day

s af

ter t

he d

ate

of th

e ac

cide

nt re

sult

in a

ny o

ne o

f the

loss

es li

sted

her

ein,

We

will

pay

for

such

loss

, as

follo

ws:

Pa

rts 1

and

2Pa

rts 3

, 4, 5

, 6, 7

, & 8

Col

umn

2C

olum

n 3

Col

umn

4FO

R L

OSS

OF

Col

umn

11s

t Yea

r 2n

d Ye

ar3r

d Ye

ar

Life

*$2

,500

.00

$1,0

00.0

0$1

,250

.00

$1,5

00.0

0Tw

o Li

mbs

or T

wo

Eyes

2,50

0.00

1,00

0.00

1,25

0.00

1,50

0.00

One

Lim

b an

d O

ne E

ye2,

500.

001,

000.

001,

250.

001,

500.

00O

ne L

imb

or O

ne E

ye1,

250.

0050

0.00

625.

0075

0.00

* Lo

ss o

f Life

ben

efit

only

will

be

incr

ease

d by

100

%, p

rovi

ded:

(1) t

he a

ccid

ent c

ausi

ng s

aid

loss

is c

over

ed b

y Pa

rt 3;

and

(2)

Proo

f is

subm

itted

to U

s th

at th

e de

ceas

ed w

as p

rope

rly w

earin

g a

seat

bel

t at t

he ti

me

of th

e ac

cide

nt.

Such

pro

of m

ust b

epr

ovid

ed in

the

form

of a

Pol

ice

Acc

iden

t Rep

ort o

r oth

er re

ason

able

pro

of th

at th

e de

ceas

ed in

sure

d w

as w

earin

g a

seat

bel

t at t

hetim

e th

e ac

cide

nt o

ccur

red

and

the

fata

l inj

urie

s w

ere

sust

aine

d.PR

OV

IDED

:(1

)lo

ss o

f lim

b sh

all m

ean

the

com

plet

e se

vera

nce

at o

r abo

ve th

e w

rist o

r ank

le jo

int;

loss

of e

ye o

r eye

s sh

all

mea

n th

e to

tal a

nd ir

reco

vera

ble

loss

of s

ight

ther

eof;

(2)

only

one

of t

he a

bove

sum

s (th

e gr

eate

st) s

hall

be p

ayab

le fo

r inj

urie

s re

sulti

ng fr

om a

ny o

ne a

ccid

ent;

or(3

)in

eve

nt o

f pay

men

t for

spe

cific

loss

no

inde

mni

ty w

ill b

e pa

id u

nder

Sec

tion

Two.

AC

CU

MU

LATI

ON

S: T

he in

dem

nitie

s sp

ecifi

ed in

Col

umn

2 ab

ove

shal

l be

incr

ease

d as

follo

ws:

(1

)to

the

inde

mni

ties

prov

ided

in C

olum

n 3

abov

e af

ter o

ne (1

) ful

l yea

r of m

embe

rshi

p in

the

Clu

b;

(2)

to th

e in

dem

nitie

s pr

ovid

ed in

Col

umn

4 ab

ove

afte

r tw

o (2

) ful

l yea

rs o

f mem

bers

hip

in th

e C

lub.

SEC

TIO

N T

WO

- O

THER

BEN

EFIT

SH

OSP

ITA

LB

ENEF

ITS:

If th

e M

embe

r, be

caus

e of

Inju

ry s

usta

ined

in a

man

ner s

peci

fied

in P

arts

1, 2

, 3, 4

, 5, 6

, 7, o

r 8 s

hall

beco

nfin

ed in

a H

ospi

tal a

s a

resi

dent

inpa

tient

for t

reat

men

t with

in n

inet

y (9

0) d

ays

from

the

date

of t

he a

ccid

ent,

We

will

pay

the

Insu

red

durin

g th

e pe

riod

of s

uch

conf

inem

ent n

ot e

xcee

ding

thre

e hu

ndre

d an

d si

xty-

five

(365

) day

s fr

om th

e da

te o

f the

acc

iden

t,at

the

rate

of F

iftee

n D

olla

rs ($

15.0

0) p

er d

ay.

MED

ICA

LEX

PEN

SES:

We

will

pay

the

Mem

ber f

or th

e ex

pens

es a

ctua

lly in

curr

ed fo

r the

follo

win

g, n

ot to

exc

eed

Twen

ty-f

ive

Dol

lars

($25

.00)

for e

ach:

O

pera

ting

Roo

mW

heel

Cha

irA

nest

hetic

Adm

inis

tratio

nB

lood

Tra

nsfu

sion

AM

BU

LAN

CE

FEE:

If a

s th

e re

sult

of a

n In

jury

, the

Mem

ber s

hall

requ

ire th

e se

rvic

es o

f an

ambu

lanc

e fo

r tra

nspo

rtatio

n or

oxyg

en in

hala

tion

ther

apy

durin

g tra

nspo

rtatio

n, to

the

hosp

ital,

We

will

pay

the

Mem

ber f

or th

e ex

pens

es a

ctua

lly in

curr

ed fo

r the

cost

of s

uch

serv

ice,

not

to e

xcee

d Te

n D

olla

rs ($

10.0

0).

EMER

GEN

CY

RO

OM

:If

as

the

resu

lt of

a c

over

ed a

ccid

ent o

r Inj

ury,

We

will

pay

the

Mem

ber f

or E

mer

genc

y R

oom

trea

tmen

t,no

t to

exce

ed T

wen

ty D

olla

rs ($

20.0

0).

SEC

TIO

N T

HR

EE-D

EPEN

DEN

T C

HIL

DR

EN O

F PR

IMA

RYM

EMB

ER (U

PTO

AG

E 19

)If

an

Elig

ible

Dep

ende

nt s

uffe

rs s

peci

fic lo

ss b

ecau

se o

f an

acci

dent

as

desc

ribed

in P

arts

1, 2

, 3, 4

, 5, 6

, 7, o

r 8 in

the

sam

em

anne

r and

und

er th

e sa

me

cond

ition

s m

entio

ned

ther

ein

for a

Mem

ber a

nd s

uch

loss

occ

urs

with

in n

inet

y (9

0) d

ays

follo

win

g th

eac

cide

nt, W

e w

ill p

ay to

the

Mem

ber b

enef

its a

s fo

llow

s:SP

ECIF

IC L

OSS

AM

OU

NT

Life

*$1

,000

.00

Two

Lim

bs o

r Tw

o Ey

es$1

,000

.00

One

Lim

b an

d O

ne E

ye$6

00.0

0O

ne L

imb

$400

.00

One

Eye

$250

.00

Elig

ible

Dep

ende

nt is

a c

hild

of t

he P

rimar

y M

embe

r inc

ludi

ng le

gally

ado

pted

chi

ldre

n, s

tepc

hild

ren,

and

cou

rt-ap

poin

ted

fost

erch

ildre

n fr

om b

irth

up to

nin

etee

n (1

9) y

ears

of a

ge w

ho a

re d

epen

dent

upo

n th

e In

sure

d fo

r the

mai

n pa

rt of

thei

r sup

port

and

mai

nten

ance

. In

eve

nt th

at a

n un

mar

ried

depe

nden

t chi

ld h

as p

asse

d hi

s ni

nete

enth

(19t

h) b

irthd

ay a

nd is

a fu

ll-tim

e st

uden

t at a

nac

cred

ited

colle

ge o

r uni

vers

ity, s

uch

child

will

con

tinue

to b

e an

elig

ible

Fam

ily M

embe

r up

to h

is tw

enty

-third

(23r

d) b

irthd

ay o

rth

e da

te h

e ce

ases

to b

e su

ch a

stu

dent

, whi

chev

er d

ate

occu

rs fi

rst.

The

atta

inm

ent o

f age

twen

ty-th

ree

(23)

will

not

term

inat

e th

isco

vera

ge fo

r an

Elig

ible

Dep

ende

nt w

ho is

bot

h:

(a)

inca

pabl

e of

sel

f-su

stai

ning

em

ploy

men

t by

reas

on o

f men

tal r

etar

datio

n or

phy

sica

l han

dica

p; a

nd

(b)

chie

fly d

epen

dent

upo

n th

e m

embe

r for

sup

port

and

mai

nten

ance

, pro

vide

d pr

oof o

f suc

h in

capa

city

and

dep

ende

ncy

is

furn

ishe

d to

the

Com

pany

with

in 3

1 da

ys o

f the

chi

ld's

atta

inm

ent o

f the

lim

iting

age

and

sub

sequ

ently

as

may

be

requ

ired

by th

e C

ompa

ny, b

ut n

ot m

ore

freq

uent

ly th

an a

nnua

lly a

fter t

he tw

o-ye

ar p

erio

d fo

llow

ing

the

child

's at

tain

men

t of t

he

limiti

ng a

ge.

Prim

ary

Mem

ber i

s a

Mem

ber o

f AA

AA

uto

Clu

b in

acc

orda

nce

with

the

reco

rds

of s

aid

Clu

b, a

s di

stin

guis

hed

from

an

Ass

ocia

te o

rsi

mila

r Mem

ber o

f the

Clu

b.

CO

ND

ITIO

NS

AN

D E

XCEP

TIO

NS:

If th

e El

igib

le D

epen

dent

is h

ospi

taliz

ed o

n th

e ef

fect

ive

date

of t

his

insu

ranc

e, c

over

age

does

not

beg

in u

ntil

disc

harg

edth

ere

from

.

NOTICE TO MEMBERS






(813) 288-4538



Underwritten by:



Insurance

Auto Club South

IMPORTANT







Livonia, MI 48152



WORLD-WIDE COVERAGE




AAAP

AIC

ERTF

L(1

2/06

) 07-SU-0016

AA

APA

ICER

TFL

(2/0

9)

Gripper Edge

(2/09)

(2/09) A

AA

PAICERTFL (2/09)


1790

0 N

. Lau

rel P

ark

Driv

e, L

ivon

ia, M

I 481

52-3

985

(813) 289-5000

11-SU-0095


AA

APA

ICER

T (12/11)A

AA

PAIC

ERT (12/11)

AA

APA

ICER

T (1

2/11

)



on the next page.

MEDICAL EXPENSE RIDERIn consideration of the payment of an additional annual premium by any Member of the American AutomobileAssociation, the personal accident insurance benefits, under which any Member is protected through the GroupPolicy No. AAA-PAI (01/02) issued by the AAA Life Insurance Company (hereinafter called the Company) to theClub, are increased as follows:

If such injury shall be sustained by the member in a manner provided in Parts 1,2,3,4,5,6,7, or 8 and if the Membershall receive treatment or services as hereinafter set forth commencing within ninety (90) days from the date of the accident, the Company (unless payment be made for a specific loss under Section One) will pay necessary and reasonable expense actually incurred for such treatment and services up to an aggregate amount not to exceedOne Thousand, One Hundred Dollars ($1,100.00) for any one (1) accident, provided such treatment and servicesshall be received within six (6) months from the date of the accident:

1. For hospital confinement expenses while confined to a lawfully operated hospital in excess of any benefits provided in the policy including, but not necessarily by way of limitation, the following: (a) Hospital room andboard, (b) Laboratory fee, (c) Operating room, (d) Anesthetic administration, (e) Blood transfusion, (f) Wheelchairrental, (g) Oxygen, (h) Casts and splints.

2. For medical treatment, including surgery and X-ray, by a legally qualified physician or osteopath.

3. For the expense of emergency and outpatient treatment in a lawfully operated hospital.

4. For nursing service by a registered graduate nurse (RN).

5. For casts and splints prescribed by a legally qualified physician.

6. For drugs administered in a hospital and prescribed by a legally qualified physician or surgeon.

The additional coverage provided by this Rider shall become effective on the date shown on the records of theClub. The coverage provided terminates with membership expiration unless dues and additional premium for thesucceeding year have been paid prior to the expiration date of the membership. If membership dues and addition-al premium for succeeding years are paid subsequent to any annual expiration date, then the insurance againbecomes effective on the date that the membership dues and medical expense additional premium are received bythe Club and continues in effect until the next annual expiration date of membership.

This Rider does not extend to the Member the additional insurance granted herein for snowmobile or motorcycleaccidents covered by any other rider to the policy.

Except as herein stated, this Rider shall not change, alter or amend in any respect of any of the conditions, provisions and limitations of the policy:

IN WITNESS WHEREOF, the AAA Life Insurance Company has caused this Rider to be signed by its officer. The protection under this Rider is predicated upon receipt of payment of annual club membership dues and additionalpremium for said Medical Expense Rider.

Michael Daubenmier,President

AAA LIFE INSURANCE COMPANY(Washington, D.C.)

Administrative Office17250 Newburgh Road

Livonia, Michigan 48152(800) 624-1662

notice to members please read this important …

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