HIGHLIGHTS OF THE AEA LIMITED ACCIDENT & SICKNESS PLAN       Benefits Features Physician Office Visits Diagnostic Testing Hospitalization Surgery Inpatient Outpatient Anesthesia Prescription Drug Discounts * Accident Medical Expense Emergency Room Rehabilitation Facilities Wellness Benefits Maternity Included AD&D Vision Care Optional Dental Plan Available 24 Hour Nurse Hotline * Guaranteed Issue For Eligible Members & Dependents   First Dollar Coverage - No Deductibles Or Coinsurance   Includes PPO Network Access * - No Penalties For Using Non-Network Providers   No Coordination Of Benefits   6 Month Pre-Existing Conditions Limitation - Applies To Hospitalization And Surgery Only   Benefits Are Assignable

* These are discounts and services available through contracted vendors; they are not insurance.   Important: Limited accident & sickness insurance plans do not provide and are not intended to replace comprehensive major medical insurance. These plans are affordable alternatives providing fixed-amount limited benefits that are paid directly to each insured, or the provider if assigned, for many of the most often used types of medical services. Terms and conditions of coverage will be set forth in the group policy underwritten by ACE American Insurance Company and issued to the American Enterprise Association. Due to differing state requirements, benefits, terms and conditions may vary by state from this description.