ICC18 LR14GP-ADD-2 11 ADD-12995 (11/25) EXCLUSIONS Benefits under this rider are not payable for any loss caused or contributed to by any of the following:  Suicide or attempted suicide, or intentionally self-inflicted injury, regardless of mental capacity.  Disease or infirmity of mind or body, or medical and surgical treatment for such disease or infirmity.  An infection, other than an infection that is a direct result or consequence of an Accidental Injury.  War or any act of war, whether declared or undeclared, other than acts of terrorism.  Accidental Injury that occurs while on full-time active duty as a member of the armed forces of any country or subdivision thereof. We will refund, upon written notice of such service, any Premium that has been accepted under this rider for any period not covered as a result of this exclusion.  Active participation in a riot, insurrection or terrorist activity.  Committing or attempting to commit a felony.  Participation in an illegal occupation or activity.  Intoxication as defined by the jurisdiction where the accident occurred.  Voluntary intake or use by any means of any drug, other than those prescribed or administered by a Doctor and taken in accordance with the Doctor’s instructions or an over-the-counter drug taken in accordance with the manufacturer’s instructions.  Voluntary intake or use by any means of poison, gas or fumes, unless a direct result of an occupational accident.  Travel in or descent from an aircraft, if the Covered Person acted in a capacity other than as a passenger.  Travel in an aircraft or device used for testing or experimental purposes, used by or for any military authority, used for travel beyond the earth’s atmosphere.  Riding in or driving an air, land or water vehicle in a race, speed or endurance contest. Benefits under this rider are not payable for loss caused or contributed to by a Covered Person’s Accidental Injury that occurs while the Covered Person is incarcerated. Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary