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TABLE OF CONTENTS <br />Section <br />Page <br />POLICY FACE PAGE <br />EffectiveDate.............................................................................................................................................1 <br />ContractAnniversaries...............................................................................................................................1 <br />PrepaymentFees.......................................................................................................................................1 <br />ContractSitus ............................................................................................................................................1 <br />DEFINITIONS................................................................................................................................................ 3 <br />SCHEDULEOF BENEFITS...........................................................................................................................3 <br />ELIGIBILITY AND EFFECTIVE DATES OF BENEFITS................................................................................4 <br />CONTRIBUTIONS.............................................................................................................................................. <br />4 <br />EntireContract...........................................................................................................................................7 <br />PREPAYMENTFEES....................................................................................................................................4 <br />Incontestability: Statements Made by the Organization............................................................................7 <br />InitialPrepayment Fee...............................................................................................................................4 <br />Frequency of Prepayment Fee Payment....................................................................................................4 <br />Computation of the Prepayment Fee.........................................................................................................4 <br />Prepayment Fee for Changes in Benefits..................................................................................................4 <br />Rightto Change the Prepayment Fee........................................................................................................4 <br />GRACEPERIOD...........................................................................................................................................5 <br />END OF BENEFITS PROVIDED BY THIS CONTRACT...............................................................................6 <br />REINSTATEMENT.............................................................................................................................................. 7 <br />GENERAL PROVISIONS..............................................................................................................................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 />.........,........... 8 <br />Conformitywith Law............................................................................................................................... <br />. .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 />