SEAT BELT AND AIR BAG BENEFIT Applicable to Class 1, 2, 3, 4 & 5: Seat Belt Benefit We will pay an additional Seat Belt Benefit if, due to an Injury sustained while driving or riding in a private passenger Four-Wheel Vehicle, the Insured suffers loss of life for which an Accidental Death Benefit is payable under the Policy. Once we receive the police accident report which confirms that the Insured was properly strapped in a Seat Belt at the time of the accident, we will pay a benefit equal to 10% of the Accidental Death Benefit payable under the Policy. If the police report does not clearly establish that the Insured was or was not wearing a Seat Belt at the time of the accident which caused the Insured’s death, the benefit payable will be $1,000 in lieu of the benefit described above. "Seat Belt" means an unaltered factory-installed lap and/or shoulder restraint designed to keep a person steady in a seat. Air Bag Benefit In addition to the Seat Belt Benefit, we will also pay an Air Bag Benefit if such private passenger Four-Wheel Vehicle is equipped with a factory-installed Air Bag and the police accident report clearly establishes that the Insured was positioned in a seat which is designed to be protected by an Air Bag and was properly strapped in the Seat Belt when the Air Bag inflated. Once we receive the police accident report which confirms that the Air Bag inflated properly upon impact, we will pay a benefit equal to 5% of the Accidental Death Benefit payable under the Policy. "Air Bag" means an unaltered factory-installed supplemental restraint system designed to inflate upon impact to protect a person from bodily injury during an accident. "Four-Wheel Vehicle" means a private passenger automobile, a truck-type vehicle which has a manufacturer’s rated load capacity of 2,000 pounds or less, or a self-propelled motor home, all of which are registered for private passenger use and designated for transportation on public roadways. Maximum Benefit Payable - The total combined maximum benefit payable under the Seat Belt and Air Bag Benefit is $25,000. EXCLUSIONS No benefit is payable for any loss sustained by the Insured: (1) if he/she was driving or riding in any private passenger Four-Wheel Vehicle which was being used in a race, speed or endurance test, or for acrobatic or stunt driving at the time of the accident; (2) if the Insured was not wearing a Seat Belt for any reason; (3) while the Insured was sharing a Seat Belt; or (4) due to a defect in the Air Bag diagnostic system. LRS-6422-167 Ed. 10/05 Page 13.0