South Carolina residents: 1. Under the General Definitions section, the definition of Covered Accident does not include reference to an ''external'' event. 2. Under the Claim Provisions, the following changes are made. a. The Claimant Cooperation Provision does not apply. b. The provision titled Physical Examination and Autopsy is replaced with the following: Physical Examination and Autopsy We, at Our own expense, have the right and opportunity to examine the Covered Person when and as often as We may reasonably require while a claim is pending. If an autopsy is performed, it will be in the State of South Carolina and during the period of contestability unless prohibited by law. c. The provision titled Legal Actions is replaced with the following: Legal Actions No action at law or in equity may be brought to recover under this Policy less than 60 days after written or authorized electronic proof of loss has been furnished as required by this Policy. No such action will be brought more than six years after the time such written proof of loss must be furnished. 3. Under the General Provisions, the following changes are made. The Multiple Certificates provision does not apply. South Dakota residents: Under the Common Exclusions section, the following changes are not permitted: 1. the Covered Person being legally intoxicated as determined according to the laws of the jurisdiction in which the Covered Accident occurred; 2. the Covered Person being Intoxicated. ''Intoxicated'' means having a blood alcohol level of .08 or higher; 3. the Covered Person operating a motorized vehicle while under the influence of alcohol or drugs as defined according to the laws of the jurisdiction in which the Accident occurred; 4. voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage; 5. occupational injuries for which benefits are not paid under the Workers’ Compensation Law or any similar law; 6. operating any type of vehicle while under the influence of alcohol or any drug , narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred; 7. the Covered Person was driving a Private Passenger Automobile at the time of the Covered Accident that resulted in the Covered Loss; and he was intoxicated, as that term is defined by the laws of the state in which the Covered Accident occurred. Vermont residents: To the extent the Policy provides insurance coverage to a spouse, the identical consideration must be applied to same sex marriages and civil unions. The language is as follows: 1. Civil Union Partner means: a. A person with whom the Employee has a registered civil union under Vermont law which imposes obligations on the parties substantially similar to marriage. Such person will continue to be recognized as a Civil Union Partner unless and until: (1) the civil union is dissolved under applicable law; or (2) either the Employee or the Civil Union Partner marries another person. 2. Spouse means: a. ''Lawful spouse'' and includes a lawful spouse of the same sex. b. This also includes a partner to a civil union recognized under Vermont Law. 22