Common use of Level of Reimbursement Clause in Contracts

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I which are damaged, lost or stolen will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx & Xxxxx 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS % OF REPLACEMENT COST 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE table MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx Leather & Xxxxx Suede 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS LIFE EXPECTANCY RATING REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS VALUE Age of Article in Months % OF REPLACEMENT COST 4-7 4-7 4-10 4-13 4-16 75% 75% 60% of Replacement Cost 1 2 3 4 5 Excellent Average Poor 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 0019-00 0028 25-00 37 31-46 50% 40% 30% 0011-00 0013 19-00 0025 28-00 0037 37-00 49 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I which are damaged, lost or stolen will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx & Xxxxx 4 Hats 1 Blouses 1.5 Neckties 1 Dresses 2 Rainwear - Plastic 1 - Fabric 12 Rainwear - Plastic 1 - Fabric 2 - Fabric 1 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS % OF REPLACEMENT COST 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx Leather & Xxxxx Suede 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS LIFE EXPECTANCY RATING REIMBURSEMENT VALUE Age of Article in Months % OF REPLACEMENT COST of Replacement Cost 1 2 3 4 5 Excellent Average Poor 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 0013-00 0025 16-00 31 70% 60% 45% 9-11 13-19 0019-00 0028 25-00 37 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 0013-00 0062 25-00 0062 37-00 0062 56-00 62 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx & Xxxxx 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS LIFE EXPECTANCY RATING REIMBURSEMENT VALUE Age of Article in Months % OF REPLACEMENT COST of Replacement Cost 1 2 3 4 5 Excellent Average Poor 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 0013-00 0025 16-00 31 70% 60% 45% 9-11 13-19 0019-00 0028 25-00 37 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 0013-00 0062 25-00 0062 37-00 0062 56-00 62 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE . MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx & Xxxxx 4 Hats 1 Blouses 1.5 MEN'S WEAR WOMEN'S WEAR Neckties 1 Dresses 2 Rainwear - Plastic 1 - Fabric 12 Rainwear - Plastic 1 - Fabric 2 - Fabric 1 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS LIFE EXPECTANCY RATING REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS VALUE Age of Article in Months % OF REPLACEMENT COST of Replacement Cost 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE . MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs.) Item Rate (Yrs.) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx & Xxxxx 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos mos. Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos mos. 6 mos mos. 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS LIFE EXPECTANCY RATING REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS VALUE Age of Article in Months % OF REPLACEMENT COST of Replacement Cost 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx & Xxxxx 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos MEN'S WEAR WOMEN'S WEAR Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS LIFE EXPECTANCY RATING REIMBURSEMENT VALUE Age of Article in Months % OF REPLACEMENT COST of Replacement Cost 1 2 3 4 5 Excellent Average Poor 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE . MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx Leather & Xxxxx Suede 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS LIFE EXPECTANCY RATING REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS VALUE Age of Article in Months % OF REPLACEMENT COST of Replacement Cost 1 2 3 4 5 Excellent Average Poor 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I which are damaged, lost or stolen will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 34 Xxxxx & Jackets - Xxxxxxx Leather & Xxxxx 4 Suede 34 Hats 1 Blouses 1.5 Neckties 1 Dresses 2 Rainwear - Plastic 1 - Fabric 12 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 12 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS % OF REPLACEMENT COST 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx Leather & Xxxxx Suede 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS LIFE EXPECTANCY RATING REIMBURSEMENT VALUE Age of Article in Months % OF REPLACEMENT COST of Replacement Cost 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE table MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx & Xxxxx 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS LIFE EXPECTANCY RATING REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS VALUE Age of Article in Months % OF REPLACEMENT COST 4-7 4-7 4-10 4-13 4-16 75% 75% 60% of Replacement Cost 1 2 3 4 5 Excellent Average Poor 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 0019-00 0028 25-00 37 31-46 50% 40% 30% 0011-00 0013 19-00 0025 28-00 0037 37-00 49 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I I, which are damaged, lost or stolen stolen, will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE . MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 - Xxxxxxx & Xxxxx 4 Neckties 1 Dresses 2 Rainwear - Plastic 1 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS LIFE EXPECTANCY RATING REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS VALUE Age of Article in Months % OF REPLACEMENT COST 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% of Replacement Cost 1 2 3 4 5 Excellent Average Poor 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 0011-00 0013 19-00 0025 28-00 0037 37-00 49 46-61 30% 20% 15% 0013-00 0062 25-00 0062 37-00 0062 56-00 62 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- --- --- --- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).

Level of Reimbursement. Glasses, dentures, hearing aids or other prosthesis and watches will be reimbursed as provided for in Section D. All items of personal property listed in Table I which are damaged, lost or stolen will be reimbursed at a formula rate, as provided for in Tables I and II. Such a formula will be based on the age, replacement cost, life expectancy and condition of the article at the time it was lost, damaged or stolen. The formula is derived by use of the following table: TABLE I - LIFE EXPECTANCY RATE MEN'S WEAR WOMEN'S WEAR Item Rate (Yrs) Item Rate (Yrs) Coats & Jackets 3 Coats & Jackets 3 - Leather & Suede 4 34 Coats & Jackets - Xxxxxxx Leather & Xxxxx 4 Suede 34 Hats 1 Blouses 1.5 Neckties 1 Dresses 2 Rainwear - Plastic 1 - Fabric 12 Rainwear - Plastic 1 - Fabric 2 - Fabric 2 12 Shoes 1.5 Shoes 9 mos Shirts 1.5 Shirts 2 Slacks 2 Slacks 1.5 Suits 3 Suits 3 Sweaters 2.5 Sweaters 2 Socks .5 Uniforms 1.5 Sport Coats 4 Underwear - Foundation Garments - Panties - Slips 6 mos 6 mos 1.5 Work Clothes .5 Underwear 1 TABLE II - CALCULATION OF CLAIMS REIMBURSEMENT VALUES Life Expectancy Rating Reimbursement Value AGE OF ARTICLE IN MONTHS % OF REPLACEMENT COST 4-7 4-7 4-10 4-13 4-16 75% 75% 60% 7-9 7-13 10-19 00-00 00-00 70% 60% 45% 9-11 13-19 00-00 00-00 31-46 50% 40% 30% 00-00 00-00 00-00 00-00 46-61 30% 20% 15% 00-00 00-00 00-00 00-00 61-62 20% 15% 10% 62+ 62+ 62+ 62+ 62+ -- -- -- Using the replacement cost, the life expectancy, the actual age and condition, a reimbursement percentage will be established and from that the amount of payment will be determined. All items will be subject to a ten dollar ($10) minimum claim limit and a maximum payment of five hundred dollars ($500).