West Virginia residents: 1. Under the General Definitions section, the definition of Covered Accident does not include reference to an ''external'' event. 2. Under the General Definitions section, the definition of Hospital does not require that an institution be licensed as a Hospital pursuant to applicable law, but does require that an institution operate pursuant to applicable law. 3. Under the General Definitions section, the definition of Totally Disabled or Total Disability is replaced with the following: Totally Disabled or Total Disability Totally Disabled or Total Disability means either: 1. inability of the Covered Person who is currently employed to perform substantially all of the material duties of his job, or any other job for which he is or may become qualified by reason of education, training or experience; or 2. inability of the Covered Person who is not currently employed to perform all of the activities of daily living including eating, transferring, dressing, toileting, bathing, and continence, without human supervision or assistance. Signed for the Life Insurance Company of North America Scott Berlin, President GA-00-3000.00 23