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REINSTATEMENT Receipt by SafeGuard of a Prepayment Fee after cancellation of this contract for non-payment shall reinstate this contract as though it had never been cancelled if a Prepayment Fee is received on or before the due date of the succeeding Prepayment Fee. The Organization may request to reinstate this contract within one year from the date It ended. The request must be In Writing and It must provide SafeGuard with information that SafeGuard requires to consider such request, if SafeGuard approves the request, the contract will be reinstated on the date stated in Writing by SafeGuard. GENERAL. PROVISIONS Entire Contract. The entire contract is made up of the following; 1. this contract, including Its Exhibits; 2. the Organization's Application For Group Dental Benefits; and 3. the amendments and endorsements to this contract. Contract Changes or Waivers. The terms and provisions of this contract may be changed, at any time, without the consent of the Covered Persons or anyone else with a beneficial interest in it SafeGuard will issue amendments and endorsements to effect such changes. SafeGuard will only make changes that are consistent with applicable law. An amendment or endorsement will not affect the benefits provided under evidences of coverage Issued before the effective date of the change, unless retroactivity Is consistent with applicable taw. An officer of SafeGuard must approve in Writing any change or walver of the terms and provisions of this contract. A sales representative, or other SafeGuard employee, who is not an officer of SafeGuard, does not have SafeGuard's authority to approve such changes or waivers. A change or waiver will be evidenced by an amendment Signed by an officer of SafeGuard and the Organization or an endorsement Signed by an officer of SafeGuard. A copy of the amendment or endorsement will be provided to the Organization for attachment to this contract. Incontestability: Statements Made by the Organization. Any statement made by the Organization will be considered a representation and not a warranty. SafeGuard will not use such statement to avoid or reduce benefits or defend a claim unless it is contained in a Written application. Incontestability: Statements Made by Covered Persons. Any statement made by a Covered Person will be considered a representation and not a warranty. SafeGuard will not use such statement to avoid or reduce benefits or defend a claim unless the following requirements are met; 1. the statement is in a Written application or enrollment form; 2. the Covered Person has Signed the application or enrollment form; and 3. a copy of the application or enrollment form has been given to the Covered Person or his beneficiary. SafeGuard will not use such statements to contest an Increase or benefit addition after the Increase or benefit has been in force for 2 years during his life, unless the statement is fraudulent. GPNP10-DHMO 25C-9 Page 7/CA