Cross Brand Design Services(R) 5

WAR RISK COUNTRIES

Effective Date: July 1, 2014

Worldwide except: This coverage does not include (i) the United States; and (ii) any nation of which the covered person is a citizen. Zone Area EXCLUDED COUNTRIES BELOW 1B IT IS IMPORTANT TO NOTE THAT YOU MUST CONTACT YOUR CIGNA UNDERWRITER PRIOR TO ANY TRAVEL TO IRAQ. 1A Afghanistan, Egypt, Iraq, Lebanon, Pakistan, Sudan, Somalia and Syria COUNTRIES BELOW ARE SUBJECT TO YEAR-END AUDIT I Algeria, Angola, Burundi, Central African Republic, Chad, Colombia, Dem. Republic of Congo, Guinea, Haiti, Indonesia, Ivory Coast, Jordan, Lebanon, Liberia, Nepal, Nigeria, Philippines, Syria, Sudan, Venezuela, Yemen II Bahrain, Congo Republic, Egypt, India, Kosovo, Malaysia, Rwanda, Sierra Leone, Togo, Turkey, Uganda, Zimbabwe III Albania, Armenia, Bangladesh, Bolivia, Bosnia-Herzegovina, Cambodia, Cameroon, Djibouti, East Timor, Ecuador, El Salvador, Eritrea, Ethiopia, Georgia, Ghana, Guatemala, Guinea Bissau, Kazakhstan, Kenya, Kyrgyzstan, Laos, Libya, Macedonia, Madagascar, Mali, Montenegro, Morocco, Mozambique, Myanmar, Niger, Oman, Papua New Guinea, Peru, Russian Federation, Senegal, Serbia, South Africa, Sri Lanka, Tajikistan, Tanzania, Thailand, Turkmenistan, Ukraine, Uzbekistan, Yugoslavia, Zambia IV Argentina, Azerbaijan, Belize, Benin, Botswana, Brazil, Burkina, Chile, Costa Rica, Croatia, Cuba, Cyprus, Dominican Republic, Equatorial Guinea, Estonia, Faso, Fiji, Gabon, Gambia, Honduras, Latvia, Lesotho, Lithuania, Malawi, Mauritania, Mexico, Moldavia, Namibia, Nicaragua, North Korea, Northern Ireland, Panama, Paraguay, Romania, Slovenia, South Korea, Spain, Surinam, Swaziland, Taiwan, Tunisia, Uruguay, Vietnam

V

Remainder of Africa and Central America and Middle East

VI

Remainder of Asia, Europe and South America except as specified above

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