Declarations

• In the past 2 years, I have not been diagnosed and/or treated by a medical specialist for cancer, heart attack, stroke, or any of the following serious conditions.

In the past 2 years, I have not been advised by a medical specialist or practitioner nor have done any of the following:

• Be under medication for more than 14 consecutive days

• Be hospitalized

• Undergo a surgery

• Undergo any medical treatment (excluding routine medical check-ups and vaccinations)

• In the past 2 years, I have not had an application, renewal, or reinstatement of any insurance policy (life, critical illness, disability, accident, health) that has been declined, postponed, rated up or issued with any special terms.