COUNTRY OF RESIDENCE LOADINGS FOR THE GLOBAL ACCIDENT PLAN

Afghanistan	DECLINE
Albania	50%
Algeria	DECLINE
Angola	DECLINE
Antarctica	DECLINE
Azerbaijan	50%
Bangladesh	DECLINE
Benin	50%
Bolivia	50%
Bosnia-Herzegovina	50%
Brazil	50%
Burma	300%
Burundi	DECLINE
Cameroon	250%
Central African Rep.	100%
Chad	350%
Chechen Republic	DECLINE
Colombia	DECLINE
Comoros	50%
Congo	DECLINE
Djibouti	50%
East Timor	DECLINE
Ecuador	350%
Egypt	50%
El Salvador	50%
Eritrea	250%
Ethiopia	250%
Federal Republic of Yugoslavia	150%
Georgia	200%
Ghana	50%
Guatemala	50%
Guinea	100%
Guinea-Bissau	100%
Haiti	400%
India	DECLINE
Indonesia	300%
Iran	50%
Iraq	DECLINE
Israel	DECLINE
Ivory Coast	150%
Jordan	50%
Kazakhstan	50%
Kenya	50%
Kirgisia/Kyrgyz Rep.	150%
Korea - North	250%
Kosovo	DECLINE
Kuwait	100%
Lebanon	350%
Lesotho	50%
Liberia	250%
Macedonia	50%
Madagascar	50%
Mali	50%
Mauritania	50%
Mayotte	50%
Mexico	50%
Montserrat	50%
Morocco	50%
Namibia	50%
Nepal	50%
Nicaragua	50%
Niger	50%
Nigeria	DECLINE
Oman	50%
Pakistan	DECLINE
Palestine	DECLINE
Panama	50%
Papua New Guinea	50%
Peru	50%
Philippines	350%
Qatar	50%
Reunion	100%
Russia	DECLINE
Rwanda	250%
Salomon Isl.	50%
Sao Tome & Princ.	50%
Saudi Arabia	DECLINE
Senegal	50%
Serbia/Montenegro	200%
Sierra Leone	50%
Somalia	DECLINE
South Africa	50%
Sri Lanka	DECLINE
Sudan	DECLINE
Syria	50%
Tajikistan	50%