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TABLE OF CONTENTS <br />Section <br />POLICY FACE PAGE <br />Effective Date ...................................................... <br />Contract Anniversaries ........................................ <br />Prepayment Fees <br />Page <br />......................................................................1 <br />.....................................................................1 <br />.......................................................................................................................................1 <br />ContractSitus.............................................................................................................................................1 <br />DEFINITIONS................................................................................................................................................3 <br />SCHEDULEOF BENEFITS...........................................................................................................................3 <br />ELIGIBILITY AND EFFECTIVE DATES OF BENEFITS................................................................................4 <br />CONTRIBUTIONS............................................................................................................................................... 4 <br />PREPAYMENTFEES....................................................................................................................................4 <br />InitialPrepayment Fee...............................................................................................................................4 <br />Frequencyof Prepayment Fee Payment....................................................................................................4 <br />Computation of the Prepayment Fee.........................................................................................................4 <br />Prepayment Fee for Changes in Benefits..................................................................................................4 <br />Right to Change the Prepayment Fee........................................................................................................4 <br />GRACEPERIOD................................................................................................. <br />END OF BENEFITS PROVIDED BY THIS CONTRACT ..................................... <br />REINSTATEMENT ............... <br />............................. 5 <br />................................. 7 <br />GENERALPROVISIONS..............................................................................................................................7 <br />EntireContract...........................................................................................................................................7 <br />ContractChanges or Waivers....................................................................................................................7 <br />Incontestability: Statements Made by the Organization............................................................................7 <br />Incontestability: Statements Made by Covered Persons...........................................................................7 <br />Evidenceof Coverage................................................................................................................................8 <br />ParticipatingProviders...............................................................................................................................8 <br />Assignment................................................................................................................................................8 <br />DataNeeded..............................................................................................................................................8 <br />Misstatementof Age...................................................................................................................................8 <br />Non -Dividend Paying............................................................................................................................ <br />Conformitywith Law...................................................................................................................................8 <br />SCHEDULE OF EXHIBITS SCH/EXHIBITS <br />EXHIBIT 1: Prepayment Fee Schedule ................................................ .......................EXHIBIT 1 <br />EXHIBIT 2: Evidence of Coverage Form......................................................................EXHIBIT 2 <br />EXHIBIT 3: Schedule of Benefits................................................................................EXHIBIT 3 <br />GPNP10-DHMO <br />25C-4 <br />Page 2 <br />