SHINE HWANG, DBA: SUNSHINE MUSIC

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Benefits for a Covered Person's loss of life will be paid to the beneficiary named in our records, if any, at the time of payment. The benefits can be paid in one sum or, at a Covered Person's written request, In accordance with one of our settlement plans. If a Covered Person has not requested any settlement plan, the beneficiary can do so in writing after a Covered Person's death. If there is no named beneficiary or surviving beneficiary, a Covered Person's loss of life benefits will be paid in one sum to the first surviving class of following in the order shown below: (1) The beneficiary named to receive a Covered Person's proceeds; (2) Spouse; (3) Child or children; (4) Mother or father; (5) Sisters or brothers; or (6) The estate of a Covered Person. If we are to pay benefits to the estate or to a person who is incapable of giving a valid release, we may pay up to $1,000 to a relative by blood or marriage whom we believe is equitably entitled. This good faith payment satisfies our legal duty to the extent of that payment. Any other accrued benefits which are unpaid at a Covered Person's death may, at our option, be paid either to his beneficiary or to his estate. All other benefits, unless specifically stated otherwise, will be paid to a Covered Person. PAYMENT OF CLAIMS: OTHER BENEFITS: All other benefits will be paid to the Covered Person, if he is living, If not, we will pay his beneficiary or his estate, CHANGE OF BENEFICIARY: (Applicable only if an Accidental Death or Dismemberment benefit is provided) The Insured can change the beneficiary at any time by giving us written notice. The beneficiary's consent is not required for this or any other change which a Covered Person may make unless the designation of beneficiary is irrevocable or otherwise required by law. CONDITIONAL CLAIM PAYMENT: If a Covered Person incurs expenses for Injuries received in a covered Accident, and in our opinion a third party may be liable, we will pay benefits if: (1) The Covered Person first agrees in writing to refund the lesser of: (a) The amount we actually paid for such expenses; or (b) The amount actually received from the third party for such expenses; and (2) The third party's liability is determined and satisfied whether by settlement, judgment, arbitration or otherwise. However, prior to our payment of benefits under this Certificate, if the third party's liability is satisfied in an amount less than the benefits payable under this Certificate, we will pay the difference. PHYSICAL EXAMINATION AND AUTOPSY: We will pay the cost and have the right to have the Covered Person examined as often as reasonably necessary while the claim is pending. We can have an autopsy made at our expense unless prohibited by law. (Autopsies are not permitted to be required in Massachusetts, Mississippi and South Carolina.) RECOVERY OF BENEFITS: We reserve the right to recover from a Covered Person any benefits we have paid to him for injuries: (1) Received in a covered Accident; and (2) Which are covered under: (a) workers' compensation or similar statutory remedies available under law; or b) Any employer's liability Insurance. It will be assumed that the Covered Person is in receipt of such benefits unless he gives us proof such benefits have been denied to him. SUBROGATION: 4 GAC26932 Y✓