Lloyd’s Certificate
This Insurance is effected with certain Underwriters at Lloyd’s, London. This Certificate is issued in accordance with the limited authorization granted to the Correspondent by certain Underwriters at Lloyd’s, London whose syndicate numbers and the proportions underwritten by them can be ascertained from the office of the said Correspondent (such Underwriters being hereinafter called “Underwriters”) and in consideration of the premium specified herein, Underwriters hereby bind themselves severally and not jointly, each for his own part and not one for another, their Executors and Administrators.

The Assured is requested to read this Certificate, and if it is not correct, return it immediately to the Correspondent for appropriate alteration. All inquires regarding this Certificate should be addressed to the following Correspondent:

303 Congressional Boulevard Carmel, IN 46032 1-800-335-0611 317-575-2652 317-575-2659 FAX www.sevencorners.com

SLC-3 (USA) NMA 2868 (24/08/2000 From approved by Lloyd’s Underwriters’ Non-Marine Association Limited EASON PRINTING CO., CHICAGO

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CERTIFICATE PROVISIONS 1. Signature Required. This Certificate shall not be valid unless signed by the Correspondent on the attached Declaration Page. 2. Correspondent Not Insurer. The Correspondent is not an Insurer hereunder and neither is nor shall be liable for any loss or claim whatsoever. The Insurers hereunder are those Underwriters at Lloyd’s, London whose syndicate numbers can be ascertained as hereinbefore set forth. As used in this Certificate “Underwriters” shall be deemed to include incorporated as well as unincorporated persons or entities that are Underwriters at Lloyd’s, London. 3. Cancellation. If this Certificate provides for cancellation and this Certificate is cancelled after the inception date, earned premium must be paid for the time the insurance has been in force. 4. Service of Suit. It is agreed that in the event of the failure of Underwriters to pay any amount claimed to be due hereunder, Underwriters, at the request of the Assured, will submit to the jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters’ rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States. It is further agreed that service of process in such suit may be made upon the firm or person name in item 6 of the attached Declaration Page, and that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal. The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon request of the Assured to give a written undertaking to the Assured that they will enter a general appearance upon Underwriters’ behalf in the event such a suit shall be instituted. Further, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, Underwriters hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Assured or any beneficiary hereunder arising out of this contract of insurance, and hereby designate the above-mentioned as the person to whom the said officer is authorized to mail such process or a true copy thereof. 5. Assignment. This Certificate shall not be assigned either in whole or in part without the written consent of the Correspondent endorsed hereon. 6. Attached Conditions Incorporated. This Certificate is made and accepted subject to all the provisions, conditions and warranties set forth herein, attached or endorsed, all of which are to be considered as incorporated herein. 7. Short Rate Cancellation. If the attached provisions provide for cancellation, the table below will be used to calculate the short rate proportion of the premium when applicable under the terms of cancellation. Short Rate Cancellation Table for Term of One Year. Days Insurance Per Cent of In Force One Year Premium 1....................................... 5 % 2....................................... 6 3 - 4....................................... 7 5 - 6....................................... 8 7 - 8....................................... 9 9 - 10..................................... 10 11- 12..................................... 11 13- 14..................................... 12 15- 16..................................... 13 17- 18..................................... 14 19- 20..................................... 15 21- 22..................................... 16 23- 25..................................... 17 26- 29..................................... 18 30-32 (1 mos.) ....................... 19 33- 36..................................... 20 37- 40..................................... 21 41- 43..................................... 22 44- 47..................................... 23 48- 51..................................... 24 52- 54..................................... 25 55- 58..................................... 26 59-62 (2 mos.) ....................... 27 63- 65..................................... 28 Days Insurance Per Cent of In Force One Year Premium 66 - 69 ................................... 29 70 - 73 ................................... 30 74 - 76 ................................... 31 77 - 80 ................................... 32 81 - 83 ................................... 33 84 - 87 ................................... 34 88 -91 (3 mos.) ....................... 35 92 - 94 ................................... 36 95 - 98 ................................... 37 99 -102 ................................... 38 103 - ................................. 105 106 - ................................. 109 110 - ................................. 113 114 - ................................. 116 117 - ................................. 120 121 - .................. 124 (4 mos.) 125 - ................................. 127 128 - ................................. 131 132 - ................................. 135 136 - ................................. 138 139 - ................................. 142 143 - ................................. 146 147 - ................................. 149 150 - .................. 153 (5 mos.) % Days Insurance Per Cent of In Force One Year Premium 154 % 157 161 165 168 172 176 179 183 188 192 197 201 206 210 215 219 224 229 233 238 242 247 251 -................................. 156 53 -................................. 160 -................................. 164 -................................. 167 -................................. 171 -................................. 175 -................................. 178 -................... 182 (6 mos.) -................................. 187 -................................. 191 -................................. 196 -................................. 200 -................................. 205 -................................. 209 -................... 214 (7 mos.) -................................. 218 -................................. 223 -................................. 228 -................................. 232 -................................. 237 -................................. 241 -................... 246 (8 mos.) -................................. 250 -................................. 255 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 Days Insurance Per Cent of In Force One Year Premium 256 % 261 265 270 274 279 283 288 292 297 302 306 311 315 320 324 329 333 338 343 347 352 356 361 - ................................. 260 77 - ................................. 264 78 - ................................. 269 79 - .................. 273 (9 mos.) 80 - ................................. 278 81 - ................................. 282 82 - ................................. 287 83 - ................................. 291 84 - ................................. 296 85 - ................................. 301 86 - ................ 305 (10 mos.) 87 - ................................. 310 88 - ................................. 314 89 - ................................. 319 90 - ................................. 323 91 - ................................. 328 92 - ................................. 332 93 - ................ 337 (11 mos.) 94 - ................................. 342 95 - ................................. 346 96 - ................................. 351 97 - ................................. 355 98 - ................................. 360 99 - ................ 365 (12 mos.)100

39 40 41 42 43 44 45 46 47 48 49 50 51 52

Rules applicable to insurance with terms less than or more than one year: A. If insurance has been in force for one year or less, apply the short rate table for annual insurance to the full annual premium determined as for insurance written for a term of one year. B. If insurance has been in force for more than one year: 1. Determine full annual premium as for insurance written for a term on one year. 2. Deduct such premium from the full insurance premium, and on the remainder calculate the pro rata earned premium on the basis of the ratio of the length of time beyond one year the insurance has been in force to the length of time beyond one year for which the policy was originally written. 3. Add premium produced in accordance with items (1) and (2) to obtain earned premium during full period insurance has been in force.

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CERTIFICATE OF INSURANCE DECLARATIONS Compass Budget, Care, and Elite Plans LON11-110701-01LS This Declaration is attached to and forms part of certificate provisions ITEM 1. NAMED INSURED AND MAILING ADDRESS: AS STATED ON THE ID CARD Compass Budget, Care, and Elite Plans 26 Quincy Avenue, Suite 100 Braintree, MA 02184 ____________________________________________________________

__________________________ PRODUCING AGENT NAME AND MAILING ADDRESS____________________________________________ Compass Benefits John Fleming 26 Quincy Avenue Braintree, MA 02184 ITEM 2. POLICY PERIOD: AS STATED ON THE ID CARD TERM: AS STATED ON THE ID CARD X 12:01 A.M., Standard Time at your mailing address

Insurance is effective with CERTAIN UNDERWRITERS AT LLOYD’S, LONDON. The Binding Authority Reference Number is NA1101 IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS CERTIFICATE, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS CERTIFICATE. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. Student Health Insurance: monthly/daily rates Rates based on a $100/$50 Deductible Effective July 1, 2011 Compass Budget Age 13 to 18 19 to 23 24 to 30 31 to 40 41 to 50 51 to 64 Compass Care Age 13 to 18 19 to 23 24 to 30 31 to 40 41 to 50 51 to 64 Compass Elite Policy Maximum Options Age 13 to 18 19 to 23 24 to 30 31 to 40 41 to 50 51 to 64 Primary Insured $44/$1.47 $46/$1.53 $92/$3.07 $241/$8.03 $368/$12.27 $314/$10.47 Spouse $208/$6.93 $218/$7.27 $202/6.73 $211/$7.03 $335/$11.17 $297/$9.90 Child $104/$3.47 $104/$3.47 $104/$3.47 $104/$3.47 $104/$3.47 $104/$3.47 Primary Insured $40/$1.33 $42/$1.40 $81/$2.70 $126/$4.20 $203/$6.77 $278/$9.27 Spouse $197/$6.57 $197/$6.57 $202/$6.73 $303/$10.10 $407/$13.57 $407/$13.57 Child $94/$3.13 $94/$3.13 $94/$3.13 $94/$3.13 $94/$3.13 $94/$3.13 Primary Insured $30/$1.00 $35$1.17 $53/$1.77 $83/$2.77 $209/$6.97 $283/$9.43 Spouse $190/$6.33 $190/$6.33 $190/$6.33 $261/$8.70 $349/$11.63 $349/$11.63 Child $76/$2.53 $76/$2.53 $76/$2.53 $76/$2.53 $76/$2.53 $76/$2.53

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Premium payable, In Advance: Surplus Lines Agent: Surplus Lines Agent License #: Surplus Lines Agent Address:

Mode Monthly James J. Krampen, Jr. 2845819 (DC) 303 Congressional Blvd. Carmel, IN 46032

This certificate of Insurance is made and accepted subject to the foregoing stipulations and conditions together with such other provisions, agreement or conditions as may be endorsed or added here to.

Dated:

7/1/2011

By:________________________________________ (Correspondent – James J. Krampen, Jr.)

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COMPASS INTERNATIONAL STUDENTS & SCHOLARS EVIDENCE OF BENEFITS Important Notice: Please keep this document as evidence of your coverage. It contains complete details of coverage and is the governing document. Eligibility: International Students, visiting Faculty, Scholars, or their dependents who are temporarily residing outside their Home Country. The primary Insured must be over age 12 and remain engaged in educational or research activities outside their Home Country during the Period of Coverage. Education or research activities shall mean the Insured: 1) is enrolled and participating in an educational, vocational, cultural exchange, or training programs; and 2) has a valid J-1, H-3, F, M, Q or R-1 Visa. Eligible individuals may also purchase coverage for their eligible dependents. An eligible spouse shall be defined as the Primary Insured’s legal spouse. An Eligible Dependent Child shall mean the Primary Insured Person’s unmarried children over 30 days and under 19 years of age or under 25 years of age if they are attending an accredited institution of higher learning on a regular full-time basis and/or wholly dependent upon the Insured Person for maintenance and support. Newborn Coverage: This plan will provide coverage to newborns for the first 31 days of life, provided; 1) coverage is in effect at the time the delivery takes place; and 2) the mother of the newborn is a covered participant under the plan at the time the delivery takes place; and 3) The pregnancy is a covered expense as defined hereunder. Please note: a) Eligible individuals can enroll into a Compass Student Plan no earlier than 6 months prior to the start of their educational activity or semester, and no later than 30 days after the start of their educational activity or semester. Eligible Dependents must be enrolled at the time the Eligible Person first enrolls, or within 31 days of marriage or birth. Coverage for Dependents cannot begin earlier than or extend longer than the coverage of the Eligible Person. You may be required to provide a copy of your I-20, DS-2019 or I-94 for Dependents at time of claim; and b) coverage may be purchased for 30 days prior and/or after the educational or research activities. Please note: Eligible individuals can enroll into a Compass Student Plan no earlier than 6 months prior to the start of their educational activity or semester, and no later than 30 days after the start of their educational activity or semester. Eligible Dependents must be enrolled at the time the Eligible Person first enrolls, or within 31 days of marriage or birth. Coverage for Dependents cannot begin earlier than or extend longer than the coverage of the Eligible Person. You may be required to provide a copy of your I-20, DS-2019 or I-94 for Dependents at time of claim. Period of Coverage: The minimum Period of Coverage under this Plan is 15 days, the maximum is 12 months. Benefits can be purchased in a combination of months and/or daily periods by paying the appropriate Plan Cost. Effective Date of Coverage begins on the latest of the following: 1. The date the Company receives a completed application and premium for the Policy Period; or 2. The Effective Date requested on the application; or 3. The moment the Insured Person departs their Home Country airspace; or 4. The date the Company approves the application. Expiration Date of Coverage terminates on the earlier of the following: 1. The moment the Insured Person returns to their Home Country, except as provided under the Home Country coverage; or 2. The expiration of 12 months from the Effective Date of Coverage; or 3. The date shown on the Certificate issued by the Company; or 4. The end of the period for which premium has been paid; or 5. The date the Insured Person fails to be considered an Eligible Person; or 6. The maximum benefit amount has been paid. SCHEDULE OF BENEFITS: Compass Budget – 80% Coinsurance to Plan Maximum All Coverages and Benefits are in U.S. Dollar Amounts Accident and Sickness Medical Maximums Lifetime Deductible – Per Injury or Illness Coinsurance Benefit Period Maternity Mental Illness Alcohol and Drug Abuse
Compass Budget, Care and Elite Plans

$100,000 Primary Insured / $50,000 Spouse/Child $50 if first treated by the Student Health Center $100 if not first treated by the Student Health Center 80% to Plan Maximum Covered Expenses incurred during the Period of Coverage Not covered Inpatient: $10,000 payable at 50%, up to a max of 40 days Outpatient: $500 payable at 80% Inpatient/Outpatient: $1,000 payable at 50% 5
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Injuries from a Motor Vehicle Accident Sports-related Injuries Dental (Emergency) Emergency Medical Evacuation Repatriation of Mortal Remains Emergency Reunion Accidental Death & Dismemberment Home Country Coverage – Incidental trips to the Insured’s Home Country Home Country Extension of Benefits Assistance Compass Care – 80% Coinsurance to Plan Maximum All Coverages and Benefits are in U.S. Dollar Amounts Accident and Sickness Medical Maximums Lifetime Deductible – Per Injury or Illness Coinsurance Benefit Period Maternity Mental Illness Alcohol and Drug Abuse Injuries from a Motor Vehicle Accident Sports-related Injuries Dental (Emergency) Emergency Medical Evacuation Repatriation of Mortal Remains Emergency Reunion Accidental Death & Dismemberment Home Country Coverage – Incidental trips to the Insured’s Home Country Home Country Extension of Benefits Assistance

$10,000 $10,000 $250 per tooth to a maximum of $500 $50,000 $25,000 $5,000 $10,000 per Insured / $5,000 per Spouse/Dependent Child 30 days of coverage up to a maximum of $1,000 Up to $1,000, expenses must be incurred within 30 days of returning to your Home Country 24 hours – Worldwide

$100,000 Primary Insured / $50,000 Spouse/Child $50 if first treated by the Student Health Center $100 if not first treated by the Student Health Center 80% to Plan Maximum Covered Expenses incurred during the Period of Coverage Covered as any other illness Inpatient: $10,000 payable at 50%, up to a max of 40 days Outpatient: $500 payable at 80% Inpatient/Outpatient: $1,000 payable at 50% $10,000 $10,000 $250 per tooth to a maximum of $500 $50,000 $25,000 $5,000 $10,000 per Insured / $5,000 per Spouse/Dependent Child 30 days of coverage up to a maximum of $1,000 Up to $1,000, expenses must be incurred within 30 days of returning to your Home Country 24 hours – Worldwide

Compass Elite – 80% Coinsurance to $10,000, then 100% to Plan Maximum All Coverages and Benefits are in U.S. Dollar Amounts Accident and Sickness Medical Maximums Lifetime $250,000 ($100,000 at Age 51) Primary Insured / $50,000 Spouse/Child $50 if first treated by the Student Health Center Deductible – Per Injury or Illness $100 if not first treated by the Student Health Center Coinsurance 80% to $10,000, then 100% to Plan Maximum Benefit Period Covered Expenses incurred during the Period of Coverage Maternity Covered as any other illness Mental Illness Inpatient: $10,000 payable at 50%, up to a max of 40 days Outpatient: $500 payable at 80% Alcohol and Drug Abuse Inpatient/Outpatient: $1,000 payable at 50% Injuries from a Motor Vehicle Accident $10,000 Sports-related Injuries $10,000 Dental (Emergency) $250 per tooth to a maximum of $500 Emergency Medical Evacuation $50,000 Repatriation of Mortal Remains $25,000 Emergency Reunion $5,000 Accidental Death & Dismemberment $10,000 per Insured / $5,000 per Spouse/Dependent Child Home Country Coverage – Incidental trips to the Insured’s 30 days of coverage up to a maximum of $1,000 Home Country Home Country Extension of Benefits Up to $1,000, expenses must be incurred within 30 days of returning to your Home Country Assistance 24 hours – Worldwide Compass Budget, Care and Elite Plans 6 Effective 7-01-11

DESCRIPTION OF BENEFITS Medical Expenses: This Plan shall pay Reasonable and Customary charges for Covered Expenses, excess of the Deductible and Coinsurance up to the Medical Maximum, incurred by you due to a covered Injury or Illness which occurred during the Period of Coverage outside your Home Country, except as provided under the Home Country coverage. All bodily disorders existing simultaneously which are due to the same or related causes shall be considered one Disablement. If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. The initial Treatment of an Injury or Illness must occur within 30 days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges are incurred within the Period of Coverage, and which are not excluded, shall be considered Covered Expenses: 1) Charges made by a hospital for semi-private room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the hospital’s average charge for semiprivate room and board accommodation. 2) Charges made for Intensive Care or Coronary Care charges and nursing services. 3) Charges made for diagnosis, Treatment and Surgery by a Physician. 4) Charges made for an operating room. 5) Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis. This includes ambulatory surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and surgical opinion consultations. 6) Charges made for the cost and administration of anesthetics. 7) Charges for Medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, iron lungs, and medical Treatment. 8) Charges for physiotherapy, to a maximum of $500, if recommended by a Physician for the Treatment of a specific Disablement following hospitalization and administered by a licensed physiotherapist. 9) Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon. 10) Local transportation to or from the nearest hospital or to and from the nearest hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to a limit of $350, within the metropolitan area in which you are located at that time the service is used. If you are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense. Pre-notification: For each scheduled hospital admission, emergency hospital confinement, or Outpatient Treatment, you or someone on your behalf must contact the Assistance Company for pre-notification as soon as possible, but no later than 48 hours prior to the admission of the hospital, the hospital confinement or Outpatient Treatment. For emergency hospital confinement, you or someone on your behalf must notify the Assistance Company as soon as possible, but not later than 48 hours after the date of admission. Pre-notification does not guarantee or confirm benefits or the payment of said benefits. Extension of Benefits: Your coverage will be extended if you are Hospital confined for a Covered Injury or Illness and under the care of a Physician on the termination date of your Period of Coverage. Coverage will terminate on the earlier of the following: 1) Thirty (30) days from the end of your Period of Coverage; or 2) The maximum benefit has been paid; or 3) Your release from the hospital or Physician care. Maternity: (Only covered under the Care and Elite Plans) When covered maternity expenses are incurred by you or your eligible dependents, the Company will pay Reasonable Charges for medical expenses in excess of the Deductible and Coinsurance. In no event shall the Company’s maximum liability exceed the maximum stated in the Schedule of Benefits, as to Covered Expenses during any one period of individual coverage. You or your representative must notify the Company of a Pregnancy within the first trimester. As stated in the Schedule of Benefits, benefits will be payable for covered expenses you incur before, during, and after delivery of a child, including physician, hospital, laboratory, and ultrasound services. Coverage for the Inpatient postpartum stay for you and your newborn child in a hospital, will, at a minimum, be for the length of stay recommended by the American Academy of Pediatrics and the American College of Obstetricians and Gynecologists in their guidelines for perinatal care. Coverage for a length of stay shorter than the minimum period mentioned above may be permitted if your attending physician determines further Inpatient postpartum care is not necessary for you or your newborn child provided the following are met: 1. In the opinion of your attending physician, the newborn child meets the criteria for medical stability in the guidelines for perinatal care prepared by the Academy of Pediatrics and the American College of Obstetricians and Gynecologists that determine the appropriate length of stay based upon the evaluation of: a. The antepartum, intrapartum, postpartum course of the mother and infant;
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b. The gestational stage, birth weight, and clinical condition of the infant; c. The demonstrated ability of the mother to care for the infant after discharge; and d. The availability of post discharge follow up to verify the condition of the infant after discharge; and 2. One (1) at-home post delivery care visit is provided to you at your residence by a physician or nurse performed no later than forty-eight (48) hours following discharge for you and your newborn child from the hospital. Coverage for this visit includes, but is not limited to: a. Parent education; b. Assistance and training in breast or bottle feeding; and Performance of any maternal or neonatal tests routinely performed during the usual course of Inpatient care for you or your newborn child, including the collection of an adequate sample for the hereditary and metabolic newborn screening. (At your discretion, this visit may occur at the physician’s office.) Mental Illness: Benefits are paid for Treatment or medication for Mental Illness, which are not excluded and covered under this policy, shall be considered a Covered Expense: Inpatient Care – Shall be payable at 50% to $10,000, subject to a maximum of 40 days of Inpatient care. Outpatient – Shall be payable at 80% up to a maximum of $500. Alcohol and Drug Abuse: Benefits are paid for Treatment or medication for Alcohol and Drug Abuse, which are not excluded and covered under this policy, shall be considered a Covered Expense. Benefits shall be payable at 50% up to $1,000. Emergency Dental Treatment: Benefits are paid for Reasonable and Customary expenses in excess of the Deductible and Coinsurance of $250 per tooth up to a maximum of $500, for the emergency repair or replacement to sound, natural teeth damaged as the result of a Covered Accident. Emergency Medical Evacuation and Repatriation: Benefits are paid for Covered Expenses incurred up to the maximum as stated in the Schedule of Benefits for any covered Injury or Illness commencing during the Period of Coverage that result in a Medically Necessary Emergency Medical Evacuation or Repatriation. The decision for an Emergency Medical Evacuation or Repatriation must be pre-approved and arranged by the Assistance Company in consultation with your local attending Physician. Emergency Medical Evacuation or Repatriation means: a) your medical condition warrants immediate transportation from the place where you are located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility, your medical condition warrants transportation with a qualified medical attendant to your Home Country to obtain further medical Treatment or to recover; or c)both a) and b) above. Covered Expenses are expenses for transportation, medical services and medical supplies necessarily incurred in connection with Emergency Medical Evacuation or Repatriation. All transportation arrangements must be by the most direct and economical route. Expenses for special transportation and medical supplies and services must be: a) pre-approved and ordered by the Assistance Company and b) required by the standard regulations of the conveyance transportation. Transportation means any land, water or air conveyance required to transport you. Special transportation includes, but is not limited to, licensed ground and air ambulances, commercial airlines, and private motor vehicles. Return of Mortal Remains: Benefits will be paid for Reasonable and Customary Covered Expenses incurred up to the maximum as stated in the Schedule of Benefits to return your remains to your Home Country, if you should die. Covered Expenses include, but are not limited to, expenses for embalming or Cremation, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. All Covered Expenses in connection with a Return of Mortal Remains or Cremation must be pre-approved and arranged by the Assistance Company. Emergency Medical Reunion: When the Assistance Company and your attending Physician determine that it is necessary and prudent for you to have an Emergency Medical Evacuation or Repatriation, this Plan will arrange to bring an individual of your choice from your current Home Country, to be at your side while you are hospitalized and then accompany you during your return to your current Home Country. Benefits will be paid up to the maximum as stated in the Schedule of Benefits for a round-trip economy airfare ticket as well as for reasonable travel and accommodation expenses up to a maximum of 10 days, as pre-approved and arranged by the Assistance Company.

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Accidental Death & Dismemberment: Benefits shall be paid to you if you sustain an accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that accident must occur within 365 days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If you incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount, shall be payable. Description of Loss Percent of Principal Sum Life 100% Both Hands or Both Feet or Sight of Both Eyes 100% One Hand and One Foot 100% Either Hand or Foot and Sight of One Eye 100% Either Hand or Foot 50% Home Country Coverage: Incidental Trips to the Home Country – During the period of coverage, the Insured may return to their Home Country for incidental visits of up to 30 days. If during an incidental trip home, the Insured suffers an Injury or Illness, this Plan shall pay up to the maximum as stated in the Schedule of Benefits of Covered Expenses for that Injury or Illness. Treatment for this Injury or Illness must occur within the Insured’s Home Country while on the incidental visit. Home Country Extension of Benefits – The Plans shall pay up to the maximum as stated in the Schedule of Benefits for Covered Expenses incurred in your Home Country related to an Injury or Illness which occurred, was diagnosed and treated outside your Home Country during your period of coverage. Only those covered expenses incurred within 30 days of your return to your Home Country shall be considered eligible. PLAN DEFINITIONS Benefit Period shall mean the allowable time period you have to receive Treatment for a Covered Injury or Illness. Coinsurance shall mean the percentage amount of Covered Expenses, after the Deductible, which is your responsibility to pay. Deductible shall mean the amount of Covered Expenses which is your responsibility to pay before benefits under the Plan are payable. Home Country shall mean the country where you have your true, fixed and permanent home and principal establishment. Host Country shall mean any country other than the country where an Insured Person has his or her true, fixed and permanent home and principal establishment. Inpatient shall mean if you are confined in an institution and are charged for room and board. Outpatient shall mean if you receive care in a hospital or another institution, including; ambulatory surgical center; convalescent/ skilled nursing facility; or Physician’s office, for an Illness or Injury, but who is confined and is not charged for room and board. Pre-existing Condition shall mean any condition for which a licensed Physician was consulted, or for which Treatment or Medication was prescribed, or for which manifestations or symptoms would have caused a person to seek medical advice 24 months prior to the Effective Date of coverage under the Policy, except If the Injured Person is covered under the Policy for 24 consecutive months, the Pre-existing Condition exclusion will no longer apply and any eligible expenses incurred thereafter will be considered for reimbursement. Reasonable and Customary shall mean the maximum amount that the Plan determines is Reasonable and Customary for Covered Expenses you receive, up to but not to exceed charges actually billed. The determination considers: 1) amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; 2) any usual medical circumstances requiring additional time, skill or experience; and 3) other factors included but not limited to, a resource based relative value scale. Treatment means a specific in-office or hospital physical examination of or care rendered to you, consultation, diagnostic procedures and services, Surgery, medical services and supplies including medication prescribed or provided by a Service Provider. EXCLUSIONS AND LIMITATIONS No Benefit shall be payable for Accident Medical, Sickness Medical, Maternity, Mental Illness, Alcohol and Drug Abuse, Dental, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, and Emergency Medical Reunion, as the result of: 1. Any Pre-existing Condition as defined hereunder. This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains. 2. Injury or Illness which is not presented to the Company for payment within 3 months of receiving Treatment; 3. Charges for Treatment which is not Medically Necessary; 4. Charges provided at no cost to you; 5. Charges for Treatment which exceeds Reasonable and Customary charges; 6. Charges incurred for Surgery or Treatments which are, Experimental/Investigational, or for research purposes; 7. Services, supplies or Treatment, including any period of hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician; 8. Suicide or any attempts thereof, while sane or self destruction or any attempt thereof, while insane; Compass Budget, Care and Elite Plans 9 Effective 7-01-11

9.

10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25.

26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40.

Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with: a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war. b) mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power. c) acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence. d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Plan shall not be liable for except to the extent that you prove that such consequence happened independently of the existence of such abnormal conditions. Injury sustained while participating in professional athletics; Injury sustained while participating in Amateur or Interscholastic Athletics; this exclusion does not apply to non-competitive, recreational or intramural activities; Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a Disablement established by a prior call or attendance of a Physician; Treatment of the Temporomandibular joint; Vocational, speech, recreational or music therapy; Services or supplies performed or provided by a Relative of yours, or anyone who lives with you; Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this Plan, Treatment of a deviated nasal septum shall be considered a cosmetic condition; Elective Surgery which can be postponed until you return to your Home Country, where the objective of the trip is to seek medical advice, Treatment or Surgery; Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids; Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder; Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with Treatment prescribed and directed by a Physician for a condition which is covered hereunder, but not for the Treatment of drug addiction; Congenital abnormalities and conditions arising out of or resulting there from; Expenses which are non-medical in nature; Expenses as a result of, or in connection with, intentionally self-inflicted Injury or Illness; Expenses as a result of, or in connection with, the commission of a felony offense; Injury sustained while taking part in mountaineering where ropes or guides are normally used; hang gliding, parachuting, bungee jumping, racing by horse, motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus, unless PADI or NAUI certified, snorkeling, water skiing, snow skiing, spelunking, parasailing and snow boarding; Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for Treatment without any cost to you; Treatment of venereal disease; Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this Plan; Routine Dental Treatment; For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage, unless otherwise covered under this Plan; For Miscarriage resulting from Accident; Drug, Treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, Treatment for infertility or impotency, sterilization or reversal thereof; Treatment for human organ tissue transplants and their related Treatment; Expenses incurred while in your Home Country, except as provided under the Home Country Coverage and Home Country Extension of Benefits Coverage; Expenses incurred during a hospital emergency visit which is not of an emergency nature; Injury sustained as the result of the Insured Person operating a motor vehicle while not properly licensed to do so in the jurisdiction in which the motor vehicle accident takes place; Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical Treatment for a condition; Covered Expenses incurred during a Trip after your Physician has limited or restricted travel; Sex change operations, or for Treatment of sexual dysfunction or sexual inadequacy; Weight reduction programs or the surgical Treatment of obesity.

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No Benefit shall be payable for Accidental Death and Dismemberment as the result of: 1. Suicide, or attempt thereof, while sane; or self destruction, or any attempt thereof, while insane; 2. Disease of any kind; Bacterial infections, except pyogenic infection, which shall occur through an accidental cut or wound; 3. Hernia of any kind; 4. Injury sustained while you are riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting from, any type of aircraft; 5. Injury sustained while you are riding as a passenger in any aircraft (a) not having a current and valid Airworthy Certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft; 6. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with: a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war. b) mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power. c) acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence. d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indire deemed to be consequences for which the Plan shall not be liable, except to the extent that you can prove that such consequence happened independently of the existence of such abnormal conditions. 7. Service in the military, naval or air service of any country; 8. Flying in any aircraft being used for, or in connection with, acrobatic or stunt flying, racing or endurance tests; 9. Flying in any rocket-propelled aircraft; 10. Flying in any aircraft being used for, or in connection with, crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose; 11. Flying in any aircraft which is engaged in any flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even though granted; 12. Sickness of any kind; 13. Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified Physician or surgeon; 14. Injury occasioned or occurring while you are committing or attempting to commit a felony or to which a contributing cause was you being engaged in an illegal occupation; 15. While riding or driving in any kind of competition; 16. This plan does not insure against loss or damage (including death or Injury) and any associated cost or expense resulting directly or indirectly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act, regardless or any other cause or event contributing concurrently or in any other sequence thereto. PLAN PROVISIONS Refund of Plan Cost: Unearned premiums will be refunded, less a $20.00 administration fee, for the number of full months only. Premium refunds, less an administration fee, will be considered only for school withdrawal or entry into the armed forces. The refund request must be in writing and your ID card must be returned with your request. Premium refunds will not be considered if a claim has been filed during the Period of Coverage. All refunds are subject to the approval of the Administrator. Notice of Claim: Written notice of claim(s) must be given to Seven Corners, Inc. within 30 days after the occurrence or commencement of any Disablement, or as soon thereafter as is reasonably possible. Notice given by someone on your behalf to Compass, with information sufficient to identify you shall be deemed sufficient notice to Seven Corners. Claim Forms: Upon receipt of a notice of claim, claim forms shall be furnished to you for filing Proof of Loss. Payment of Claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to your estate. If any indemnity of the Plan shall be payable to a minor, or one otherwise not competent to give a valid release, the Plan shall pay such indemnity, up to an amount not exceeding $1,000, to any Relative by blood or connection by marriage to you who is deemed to be equitably entitled thereto. Any payment made by the Plan in good faith pursuant to this provision shall fully discharge the Plan to the extent of such payment. Subject to any written direction by you all or a portion of any indemnities provided by this Plan on account of Hospital, nursing, medical or Surgical service may, at the Plan’s option and unless you request otherwise in writing not later than the time for filing proof of such loss, be paid directly to the Hospital or person rendering such services, but is not required the service be rendered by a particular Hospital or person. In the event of Injury or Sickness, the Student should: 1) Contact the Student Health Center for Treatment or contact your private Healthcare provider or hospital. In an Emergency, Report Directly to the Nearest Emergency Room for Treatment. 2) Mail to the address below all medical and hospital bills along with patient's name and Insured student's name, address, social security number and name of the University under which the student is insured. A Company claim form is required for filing a claim. Claim forms are available by calling Compass Benefits Group at 800-767-0169, or online at:
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www.CompassStudentHealthInsurance.com. 3) File claims within 30 days of Injury or first Treatment for a Sickness. Bills should be received by the Company within 90 days of service. Bills submitted after one year will not be considered for payment except in the absence of legal capacity. Submit all claims or inquiries to: Seven Corners, Inc. 303 Congressional Blvd. Carmel, IN 46032 Fax: 317-575-2256

Excess Benefits: All coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible Insurance Indemnity, and shall apply only when such benefits are exhausted. Other valid and collectable Insurance Indemnity, for which benefits may be payable, are Insurance programs provided by: (a) Individual, group or blanket Insurance or coverage (b) Other pre-payment coverage provided on a group or individual basis (c) Any coverage under labor management trusted plans, union welfare plans, employer organizational plans, employee benefit organization plans, or other arrangement of benefits for individuals of a group (d) Any coverage required or provided by any state or socialized Insurance program; (e) Any no-fault automobile Insurance (f) Any third party liability Insurance Monetary Limits: The monetary limits stated in this Plan and the Plan Cost shall be in U.S. dollars. For service outside of the territorial limits of the United States, the exchange rate date used to determine the amount of U.S. dollars to be paid is the exchange rate effective for the date the claims expense was incurred. Subrogation: To the extent the Plan pays for a loss suffered by you, the Plan will take over the rights and remedies you had relating to the loss. This is known as subrogation. You must help the Plan to preserve its rights against those responsible for the loss. This may involve signing any papers and taking any other steps the Plan may reasonably require. If this Plan takes over your rights, you must sign an appropriate subrogation form supplied to you. Underwriter: Products underwritten by: Certain Underwriters at Lloyd’s, London. Important Notice: Please keep this document as evidence of your coverage. It contains complete details of coverage and is the governing document. Renewal: Coverage under this Plan is not automatically extended nor renewed from policy year to policy year. If additional coverage time is needed, an insured must still be eligible and a new application must be completed, and the correct Premium submitted to Compass Benefits. A new Deductible and Coinsurance will apply at each succeeding or subsequent Period of Coverage (policy year). For any covered condition occurring and treated in previous Periods of Coverage, the condition will continue to be covered subject to the terms and conditions of this plan, provided you remain continuously insured hereunder. Visit Our Website: From our website, you may enroll and pay by credit card. Once your enrollment is complete, you will receive a temporary I.D. card and confirmation. You can view Plan benefits and find important contact information. You can also download and print out a claim form when you need it. Log on to our website at: www.CompassStudentHealthInsurance.com Privacy Disclosure: Under HIPAA's Privacy Rule, we are required to provide you with notice of our legal duties and privacy practices with respect to personal health information. You should receive a copy of this notice with your enrollment materials. If at any time you wish to request a copy of Lloyd’s HIPAA Privacy Notice write to: Compass Benefits Group, 26 Quincy Avenue, Suite 100, Braintree, MA 02184, or call 800-767-0169.

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SEVERABILITY OF INTEREST CLAUSE This Policy shall operate in all respects as if a separate Policy had been issued to each party insured hereunder, except that in no event shall the total liability of the Insurers in respect of all parties insured hereunder exceed the Limit of Indemnity stated in this Policy. - LSW1001 LLOYD'S PRIVACY POLICY STATEMENT UNDERWRITERS AT LLOYD'S, LONDON The Certain Underwriters at Lloyd's, London want you to know how we protect the confidentiality of your non-public personal information. We want you to know how and why we use and disclose the information that we have about you. The following describes our policies and practices for securing the privacy of our current and former customers. INFORMATION WE COLLECT The non-public personal information that we collect about you includes, but is not limited to: Information contained in applications or other forms that you submit to us, such as name, address, and social security number Information about your transactions with our affiliates or other third-parties, such as balances and payment history c) Information we receive from a consumer-reporting agency, such as credit-worthiness or credit history INFORMATION WE DISCLOSE We disclose the information that we have when it is necessary to provide our products and services. We may also disclose information when the law requires or permits us to do so, CONFIDENTIALITY AND SECURITY Only our employees and others who need the information to service your account have access to your personal information. We have measures in place to secure our paper files and computer systems. RIGHT TO ACCESS OR CORRECT YOUR PERSONAL INFORMATION You have a right to request access to or correction of your personal information that is in our possession. CONTACTING US If you have any questions about this privacy notice or would like to learn more about how we protect your privacy, please contact the agent or broker who handled this insurance. We can provide a more detailed statement of our privacy practices upon request. - LSW1135b

One Lime Street London EC3M &HA
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