Exclusions:

We will not pay any benefit under this Rider (Subject to the Incontestability Clause under the Policy) if death results directly or indirectly, in whole or in part, by any of the following:

a) self-inflicted injury, suicide, or any attempt thereat;

b.) disease or infection (Except infection which occurs through an accidental cut or wound), including infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutations, derivations or variations thereof;

c.) strike, riot, civil commotion, acts of terrorism, revolution, insurrection, declared or undeclared war ( war” means any war whether declared or undeclared, or any conflict between armed forces of countries, international organizations or combinations thereof), or any warlike operation;

d) murder, provoked assault or participation in any brawl;

e) any violation or attempted violation of the law or resistance to arrest;

f) while the Insured is intoxicated by alcohol or unprescribed drug;

g) bodily or mental infirmity, hernia, ptomaines or infection other than infection occurring at the same time with or because of an accidental cut or wound, disease or sickness of any kind;

h) poison, gas or fumes voluntarily or involuntarily taken, atomic explosion, nuclear fission, or radioactive gas;

i) while engaging in the making or handling of explosives or upon being engaged as a custodian of explosives;

j) while entering, operating, servicing, or ascending from or with any aerial or marine device or conveyance EXCEPT while traveling as a passenger in an aircraft or marine transportation

k) operated by a commercial passenger airline or shipping line on a scheduled air or sea service over an established passenger route;

l) service in the armed forces of any country in time of declared or undeclared war or while under the orders for warlike operations or restoration of public order. “The armed forces of any country at war” means the military, naval or air forces and will be deemed to include the armed forces of any international organization engaged in war;

m) while undergoing medical or surgical treatment EXCEPT as a result of accidental Injury;

n) occasioned by or happening through pregnancy, childbirth, or miscarriage;

o) while engaged in hunting, racing of any kind, martial arts, scuba diving, hang gliding, yachting beyond five (5) kilometers of coast-line, bungee-jumping, parachuting, skydiving, mountaineering, and other forms of extreme sports;

p) nuclear, biological or chemical (NBC) contamination;

q) earthquake, volcanic eruption or tidal wave; or

r) any loss in which the proximate cause was the Insured’s attempt at, or commission of or willful participation in any act or crime punishable under the Act No. 3815, otherwise known as the “Revised Penal Code of the Philippines,” or any other statute, EXCEPT crimes of reckless imprudence as defined in Article 365 of Act. No. 3815, or similar laws of any country in which the crime was attempted or committed, or resistance to lawful arrest.

Exclusions:

We will not pay any benefit under this Rider if disability results directly or indirectly, in whole or in part, by any of the

following:

a) self-inflicted injury, suicide, or any attempt thereat;

b) any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune

Deficiency Syndrome (AIDS) and/or mutations, derivations or variations thereof; or

c.) strike, riot, civil commotion, acts of terrorism, revolution, insurrection, declared or undeclared war ( war” means any war whether declared or undeclared, or any conflict between armed forces of countries, international organizations or combinations thereof), or any warlike operation;

d) murder, provoked assault or participation in any brawl;

e) any violation or attempted violation of the law or resistance to arrest;

f) while intoxicated by alcohol or unprescribed drug;

g) bodily or mental infirmity, hernia, ptomaines or infection other than infection occurring at the same time with or because of an accidental cut or wound, disease or sickness of any kind;

h) poison, gas or fumes voluntarily or involuntarily taken, atomic explosion, nuclear fission, or radioactive gas;

i) while engaging in the making or handling of explosives or upon being engaged as a custodian of explosives;

j) while entering, operating, servicing, or ascending from or with any aerial or marine device or conveyance EXCEPT while traveling as a passenger in an aircraft or marine transportation operated by a commercial passenger airline or shipping line on a scheduled air or sea service over an established passenger route;

k) service in the armed forces of any country in time of declared or undeclared war or while under the orders for warlike operations or restoration of public order. “The armed forces of any country at war” means the military, naval or air forces and will be deemed to include the armed forces of any international organization engaged in war;

l) while undergoing medical or surgical treatment EXCEPT as a result of accidental Injury;

m) occasioned by or happening through pregnancy, childbirth, or miscarriage;

n) while engaged in hunting, racing of any kind, martial arts, scuba diving, hang gliding, yachting beyond five (5) kilometers of coast-line, bungee-jumping, parachuting, skydiving, mountaineering, and other forms of extreme sports;

o) nuclear, biological or chemical (NBC) contamination;

p) earthquake, volcanic eruption or tidal wave; or

q) any loss in which the proximate cause was the Policy Owner’s attempt at, or commission of or willful participation in any act or crime punishable under the Act No. 3815, otherwise known as the “Revised Penal Code of the Philippines,” or any other statute, EXCEPT crimes of reckless imprudence as defined in Article 365 of Act. No. 3815, or similar laws of any country in which the crime was attempted or committed, or resistance to lawful arrest.

r) any “Pre-Existing Condition”.