Policy Period:

January 2, 2010 (Saturday) 7:00 A.M. – 17:00 P.M.

Coverage:

Accidental injury or acute disease occurring to the insured in the course of competition during the policy period

Insurance Liabilities:

Within the effective policy period hereof, the insurer shall assume its insurance liabilities accordingly upon the following terms for the accidental injury or acute disease occurring to the insured in the course of competition:

1) Insurance benefit for decease from accidental injury: in case the insured suffers from any accidental injury in the course of competition and deceases directly resulting from such accidental injury within 30 days from the date of occurrence of such accidental injury, the insurer shall pay the "insurance benefit for decease from accidental injury" in accordance with the amount insured for the insured's decease from accidental injury as prescribed in the insurance contract, the insurer's liabilities for the insured under this Contract shall terminate.

2) Insurance benefit for decease from acute disease: in case the insured suffers from any acute disease in the course of competition and deceases within 7 days from the date of invasion of such acute disease (including mors subita resulting from the disease, but excluding the mors subita from  pre-existing illness), the insurer shall pay the "insurance benefit for decease from acute disease" in accordance with the amount insured for the insured's decease from acute disease as prescribed in the insurance contract.

An acute disease refers to such disease as the insured has not been treated or diagnosed for prior to the effective date of the insurance contract, and the insured suffers from the disease suddenly in the course of competition and must be treated in a hospital immediately to preclude any damage to the health of the insured.

3) Insurance benefit for disability: in case the insured suffers from any accidental injury or acute disease in the course of competition, and gets one of the disabilities listed in the "Benefit Payment in Proportion to the Degree of Disability" hereto (see the Schedule), which directly results from such accidental injury or acute disease, within 180 days from the date of occurrence of such accidental injury or acute disease, the insurer shall pay the "insurance benefit for disability" through multiplying the payment proportion listed in the Schedule by the amount insured for the insured's disability as prescribed in the insurance contract. In case the medical treatment to the insured has not been completed within 180 days from the date of occurrence of such accidental injury or acute disease, the disability appraisal shall be made to the insured on the basis of its health conditions on the 180th day from the date of occurrence, and pay the "insurance benefit for disability" thereby. In case the insured gets two or more disabilities listed the Schedule resulting from one accidental injury or acute disease, the insurer shall pay the sum of benefits for each disability. In case different disabilities, however, happen to the same limb, the insurer shall only pay one insurance benefit for the more serious disability. In case the insured gets disabled to the same limb due to different accidental injuries, and the disabilities are under different ratings, the payment of insurance benefit shall be subject to the most serious disability: in case the subsequent disability gets more serious, then the paid insurance benefit shall be deducted; in case the previous disability gets more serious, the insurance benefit for the subsequent disability shall not be paid. Total insurance benefits for the decease or disability of the same insured from any accidental injury or acute disease shall be paid to the extent of the amount insured for decease.

4) Insurance benefit for medical treatment: in case the insured suffers from any accidental injury or acute disease in the course of competition, and must be treated in a hospital as confirmed by the spot doctor after a diagnosis, the insurer shall pay the actual, reasonable and necessary medical expenses which are more than RMB100 Yuan and in conformity with the regulations on social medical insurance in the place where the policy is issued, within 30 days from the date occurrence of such accident. Total insurance benefits for medical treatment of the same insured shall be paid to the extent of the amount insured for medical treatment as prescribed in the insurance contract. In case the insured has gotten reimbursement from other ways (including social medical insurance institutions, the employers and any commercial insurance agencies including this Company, etc.) the insurer will not pay the reimbursed part, and the benefit shall be paid to the extent of the amount insured for medical treatment.

Exemption from Liabilities

1. The insurer shall not pay the insurance benefit for the accidental decease of the insured in the event of one of the following circumstance:
(1) The policyholder kills or injures the insured voluntarily;
(2) The insured commits a crime or suicide, resists the criminal enforcement under law or inflicts injury to him/herself voluntarily;  
(3) The insured drinks excessively, or takes or injects drugs actively;  
(4) The insured drives under the influence of alcohol or without a valid driving license, or drives a vehicle which does not have a valid license;  
(5) The miscarriage or parturition of the insured;  
(6) Any accident to the insured resulting from mental disease;
(7) Any medical accident caused by cosmetic surgery, other medical operation or operation;
(8) The insured takes any medicine without the permission of his/her doctor, however, the cases that the insured takes OTC drugs in accordance with the user's instructions and that do not contain the circumstance set out in paragraph (14) of this Exemption from Liabilities, shall not be included;  
(9) Any infection of bacteria, virus and other pathogenic microorganism or parasite, however, the wound infection caused by the accidental injury shall not be included;   
(10) The insured participates in diving, parachute, rock climbing, driving glider  or paraglider, adventure, wrestling competition, martial art competition, acrobat performance, horse racing, motor racing, or any other high-risk sport;
(11) War, military action, unrest or armed revolt;  
(12) Nuclear explosion, nuclear radiation or nuclear pollution;
(13) Any accident resulting from the participant's failure to follow the spot doctor's instruction to cease the subsequent competition but persisting through the competition;
(14) Any accident resulting from the participant taking some drug constrained in athletic contests;
(15) Imposter participating in the competition.

2. The insurer shall not pay the insurance benefit for decease from acute disease, disability or medical treatment of the insured in the event of one of the following circumstance:
(1) The policyholder kills or injuries the insured voluntarily;  
(2) The insured commits a crime or suicide, or resists the criminal enforcement under law;  
(3) The insured drinks excessively, or takes or injects drugs actively;  
(4) The insured drives under the influence of alcohol or without a valid driving license, or drives a vehicle which does not have a valid license;
(5) The miscarriage or parturition of the insured;  
(6) Any accident to the insured resulting from mental disease;  
(7) Any medical accident caused by cosmetic surgery, other medical operation or operation;  
(8) The insured takes any medicine without the permission of his/her doctor, however, the cases that the insured takes OTC drugs in accordance with the user's instructions and that do not contain the circumstance set out in paragraph (14) of this Exemption from Liabilities, shall not be included;  
(9) Orthotherapy, vision correction operation, plastic operation to the insured, however, the necessary cosmetic surgery which results from accidental injury other than the reasons set out in paragraph (7) of this Exemption from Liabilities, shall not be included.
(10) The insured participates in diving, parachute, rock climbing, driving glider  or paraglider, adventure, wrestling competition, martial art competition, acrobat performance, horse racing, motor racing, or any other high-risk sport;  
(11) War, military action, unrest or armed revolt;  
(12) Nuclear explosion, nuclear radiation or nuclear pollution;
(13) Any accident resulting from the participant's failure to follow the spot doctor's instruction to cease the subsequent competition but persisting through the competition;
(14) Any accident resulting from the participant taking some drug constrained in athletic contests;
(15) General health examinations, preventative treatments, recuperation or convalescent treatment of the insured;
(16) The self-paid items and drugs regulated by Xiamen social medical insurance (including those at public expense and labor insurance) authorities;
(17) Any accident resulting from the participate' congenital, hereditary disease, psychosis, schizophrenia or cancer ever treated or diagnosed, or any disease or symptom that the participant has known or should know prior to the effective date of the policy;  
(18) Imposter participating in the competition;
(19) Congenital malformation, deformation or chromosome abnormality (according to the Tenth Revision of the International Statistical Classification of Diseases and Related Health Problems (ICD-10) released by the World Health Organization).

Amount Insured:

The amounts insured under this life insurance contract: RMB 500,000.00 Yuan for decease from accidental injury (RMB 50,000.00 Yuan for a junior), RMB 500,000.00 Yuan for disability (RMB 50,000.00 Yuan for a junior), and the total benefits for decease and disability shall be paid to the extent of RMB 500,000.00 Yuan (RMB 50,000.00 Yuan for a junior); RMB 100,000 Yuan for medical insurance and RMB 500,000.00 Yuan for decease from acute disease (RMB 50,000.00 Yuan for a junior).

Note: A junior refers to the insured under 18 when the policy takes effect.

Premium:

The Organizing Committee will take out insurance for all participants collectively, and the participants eligible for the insured shall be exempted from the premium.

Application for Benefit:

1¡¢Claim Documents:
1)Claim Application
2)Power of Attorney on Claims
3)Confirmation of Identity of the Deceased's Beneficiary

2¡¢Necessary Materials for Claims:

Necessary Materials Applying for Each Insurance Benefit

Application Item	Necessary Documents	1. Original medical expense receipts 2. Photocopies of the original medical expense receipts    3. Identity certificate(s) of the accident victim(s) 4. Outpatient case history 5. Inpatient case history or discharge summary 6. Medical expense details/prescription 7. Pathology/blood/image reports 8. Medical certificates of residents' death or forensic identification   9. Certification of household registration write-off 10. Funeral and cremation certification   11. Accident certification presented by relevant departments 12. Report of disability identification 13. Identity of beneficiary   14. Certification of relationship between the beneficiary and the insured   15. Insurance policy (certificate)
Hospitalization	1.3.4.5.6.15
Disability	3.4.5.11.12.15
Decease	4.5.8.9.10.11.13.14.15
Outpatient medical treatment	1. 3.4.6.11.15

Note: in case the above documents are still insufficient for full evidence, our company may demand the insured to provide more relevant documents for applying for claims, to better safeguard the rights and interests of the insured. In case the beneficiary commits others to settle the claims, a power of attorney on claims affixed with the personal signature of the insured shall be provided, meanwhile, the identity certificates of the principal and agent shall be attached thereto.

Contact Information of the Insurer:

Emergency Call: 0592£­2992885; 15959293210 Mr. Huang; 13950005618 Mr. Liu
Emergency Contact: 0592£­2992910, 13850080227 Mr. Mao
                               0592£­2992919, 13950067329 Mr. Wan
The Insurer: King Dragon Life Insurance Company Ltd.
Address: 27/F, Lixin Square, No.90 Hubin South Road, Xiamen

Schedule of Dismemberment Benefit

Remark:

1. Loss of sight of eye(s) shall include removal or loss of eyeball(s), or anopia, or only the ability for light sensation, or visual acuity after correction of lower than 0.02 of the International Standard Eyesight Chart, or a visual field narrower than 5 degrees. Medical evidence must be provided by a qualified ophthalmologist appointed by the Company.

2. Loss of function of joint(s) shall mean permanent total stiffness, or paralysis of the joints, or that the joints may not be able to move willfully.

3. Loss of function to chew and swallow shall mean the organic or functional disturbance of such functions as chewing and swallowing by any means other than dental causes, and which renders the Insured Person incapable of eating or swallowing anything other than fluid diet.

4. Inability to perform independently the daily activities that are essential to life shall mean complete and continuous inability of the Insured Person to perform such activities independently as eating, going to the toilet, dressing, walking, bathing, etc., and must rely on the assistance of others.

5. The three major-joints of upper limb include shoulder joint, elbow joint, and wrist joint; three major-joints of lower limb include hip joint, knee joint, and ankle joint.

6. Total loss of finger shall mean complete severance through or above the proximal phalangeal joints (interphalageal joints of thumb).

7. Total loss of hearing shall mean the average frequency hearing loss is above 90 dB where speech frequencies are at 500, 1,000, 2,000 Hz.

8. Total loss of function of joints of fingers shall mean complete severance through    the distal phalangeal joints, or stiffness of proximal phalangeal joints or moving   disturbance of the phalangeal joints.
   
   
9. Total loss of toes shall mean complete severance through or above the metatarsophalangeal joints.
   
   
10. Total loss of speech shall mean the loss of articulating ability of any three of the four sounds which contribute to the speech (from the labial sounds, alveolar sounds, palatal sounds, and the velar sounds) or total loss of vocal cord or damage of speech center in brain resulting in aphasia. However, all psychiatric related causes are excluded. Medical evidence must be supplied by a qualified otorhinolaryngology specialist.
    
    
11. Obvious defect of two eyelids shall mean eyelids incapable of covering corneas completely when the Insured Person closes his/her eyes.
    
    
12. Defect of nasal part and severe dysosmia shall mean the irrecoverable defect of total or one half nasal cartilage and nasal atresia, nasal dyspnea or anosmia of both sides.
    
    
13. Permanent total loss shall mean bodily injury beyond hope of improvement at the expiry of at least one hundred eighty (180) days medical treatment from the date of Accident, but exclude the irrecoverable status such as removing the eyeball.