INSURANCE CONTRACT

GENERAL CONDITIONS

AIG Mexico Life Insurance Company, S.A. de C.V., hereinafter referred to as the COMPANY, issues this Policy on life
of the INSURED, whose name appears on the cover of the Policy, based on the statements made by the
CONTRACTING PARTY of the Policy in the insurance application. The terms, conditions, and clauses that will govern the present
The Insurance Contract consists of the following:

DEFINITIONS

The terms listed below will have the following meaning for all purposes of this insurance policy.
being able to be in feminine or masculine, plural or singular, and if it concerns a verb, in any conjugation.

Accident. An accident is understood to be any unexpected, involuntary, sudden, and fortuitous event caused by means.
external and in a violent manner that affects the body of the INSURED, causing one or more injuries that
they manifest due to visible bruises or wounds and also cases of internal injuries or immersion revealed by the
corresponding exams. Events that are the result of attacks are not considered as Accidents.
["cardiac issues","epileptics","vascular diseases","chronic back pain","mental disorders","fainting"]
sleepwalking or any other non-accidental event suffered by the INSURED.

Insured. It is that individual who is covered by this Policy, and whose death,
survival or physical integrity are covered under this Policy in accordance with the expressly stated
indicated in each contracted coverage.

Insurer and/or COMPANY. AIG Mexico Life Insurance Company, S.A. de C.V., which provides the coverage
hired and who will be responsible for the payment of the Benefits stipulated in the Policy.

[Link] la indemnización a la que tiene derecho el ASEGURADO o Beneficiario, en caso de ser procedente el
incident in accordance with the provisions of this Policy.

Beneficiary. That person or persons who, by designation of the INSURED or by legal provision, have the right
to receive the contracted benefit, or its corresponding proportion, from those coverages in which in the capacity of
Beneficiary has been designated.

Additional Benefits. It refers to the additional coverages contracted for the INSURED and/or the
CONTRACTOR that are part of the Insurance Contract and are indicated on the cover of the Policy.

Charge. It is the amount that is deducted from one of the funds maintained by the Policy for the purpose of providing
services.

CONTRACTING PARTY. It is the individual or legal entity that subscribes to an insurance Policy with the COMPANY and is responsible.
before the COMPANY of paying the corresponding premium; likewise, it is the one who designates the coverages protected by the
Present Policy covers the corresponding premiums and has the right to dispose of the Guaranteed Values.
according to what is stipulated in this Contract.

Insurance Cost. It is the amount necessary to keep the basic benefit of the insurance in force and that is part of the
Monthly deduction from the individual fund.

Monthly Deduction. It is the amount that is deducted from the Individual Fund for the concept of: cost of life insurance.
the cost of additional benefits (if applicable), and of administration.
 Endorsement. It is the agreement established in an insurance contract whose clauses modify, clarify, or nullify part
of the content of the general or particular conditions of the Policy.

Effective Start Date. It is the date that appears on the Policy Cover as the effective date, starting from the
when the benefits of the contracted policy begin.

Individual Fund. It is the one formed with the contributions of basic premiums made by the CONTRACTOR of the
Policy, to which a technical interest rate is credited and monthly charges are deducted.

Excess Fund. It is one that is formed by the difference resulting from the interest earned minus the
technical interests, minus the applicable corresponding charges.

Additional Fund. It is composed of the additional contributions made by the CONTRACTOR.

Policy, independent of those made to the Individual Fund.

Law. Refers to the Law on the Insurance Contract.

Grace Period. It is the timeframe granted by the COMPANY, during which coverage is provided, even when not
I would have paid the corresponding premium, which will be deducted from the Benefit to be delivered if the loss occurs during
this lapse.

Policy and/or Contract. It is the document that serves as an insurance contract and consists of the general conditions, the
policy cover, the insurance application, the consents, endorsements, and the additional clauses that are added,
which constitute evidence of the insurance contract concluded between the CONTRACTOR and the COMPANY, where
they establish the terms and conditions of the contracted insurance.

Additional Premium. It is the amount added to the basic premium that the CONTRACTOR pays during the term of the
insurance, whether occasionally or periodically, with the purpose of increasing the contracted Insured Amount.

Basic Premium. It is the amount that the INSURED must pay as a condition to maintain the Policy.
in effect, whose amount, period, and payment method are indicated on the Policy's cover.

Premium Objective. It is the amount paid by the CONTRACTOR and consists of the Basic Premium plus the Additional Premium.

Average Fund Balance. For the purpose of determining the interest credited in each of the funds, I
it will take as the average balance the result of dividing the sum of the fund balance each day of the period by the number of
days of the period.

Insured Amount. It is the maximum amount established in the cover of the Policy, for which there will be liability.
COMPANY, in case the claim proceeds.

Accredited Rate. It is the rate of return obtained from the investment of resources from the Additional Fund and the Fund.
Surplus, minus the margin to finance the expenses associated with managing the investment portfolio.

Technical Interest Rate. It is the annual profitability rate that the COMPANY will credit to the Individual Fund.

Validity. It is the duration of the Policy, which is stipulated on the cover of the Policy.

OF THE DOCUMENTS AND THE DECLARATIONS

The Policy and its eventual Endorsements signed by authorized officials of the COMPANY are the only documents
valid for establishing the rights and obligations of the parties. The COMPANY is not responsible for statements made
in another way.
If the content of the Policy or its modifications do not match the offer, the INSURED may request a correction.
corresponding within the thirty (30) days following the day on which the Policy is received. Once this period has passed,
the stipulations of the Policy or its modifications will be considered accepted (Article 25 of the Law).

POLICY STRUCTURE

The following documents are an integral part of this Policy:

The endorsements according to their date, with the latest ones prevailing over the earliest.
The cover of the Policy
The general conditions
The insurance application
The table of charges to the fund
Communications and account statements

The above-mentioned documents have been listed according to their hierarchy and importance; if any exist.
contradiction between them, it will be understood that the first prevail and modify those that follow them in chronological order.

Any modification to the Contract must be in writing through clauses or endorsements previously registered with the
National Commission of Insurance and Bonds, which must be signed by the authorized official of the COMPANY,
so that agents or any other unauthorized person lacks the authority to make modifications
or concessions.

REGULATIONS FOR THE CONTRACTING OF THE POLICY

The INSURED is obliged to declare in writing to the COMPANY, in accordance with the request and relevant questionnaires.
to the insurance, all the important facts for the assessment of risk that may influence the agreed conditions,
as they are known or should be known at the time of contracting the Policy.

Any omission or inaccurate statement of the facts mentioned in the previous paragraph will empower the COMPANY to
considerar rescindido de pleno derecho el Contrato, aunque no haya influido en la realización del siniestro (Artículos 8 y 47
of the Law). The COMPANY will authentically communicate to the CONTRACTOR and/or INSURED the termination of the Policy,
within thirty (30) days following the date on which the COMPANY becomes aware of the omission or inaccurate statement.

The COMPANY will require prior written consent from the INSURED when the policyholder is not
the person whose life is assured. The consent of the insured third party must also be in writing for all
designation of Beneficiary, as well as the change of Beneficiary, and the transfer of the Benefit of the Contract, for the assignment
of rights or for the constitution of collateral, except when these last three operations are conducted with the COMPANY.

The contracting parties submit to what has been expressly agreed upon in this Policy and to the provisions contained in
the Law.

1. BENEFITS

1.1. BASIC

1.1.1. Due to the death of the INSURED

In case the Policy is in effect on the date of the INSURED's death, the COMPANY will pay to the
Designated beneficiaries:
a) The amount that results to be greater between the contracted Insured Amount and 110% of the sum of the Individual Fund.
plus the Excess Fund.
b) The balance of the Additional Fund, if applicable.
1.1.2. For the survival of the INSURED
In the event that the INSURED survives the expiration of the contracted Policy, the COMPANY will pay them:
a) The balance of the Individual Fund.
b) The balance of the Surplus Fund.
c) The balance of the Additional Fund, if applicable.

1.2. OPTIONALS

1.2.1. Accidental Death

The COMPANY will pay the Beneficiaries the Sum Insured indicated on the cover of the Policy, if the death of the
INSURED is produced as a direct and immediate consequence of an Accident that occurred during the Validity of this insurance.
It will be understood as immediate death that occurs no later than ninety (90) days thereafter.
after the Accident occurred.

An essential condition for the liability of the COMPANY to arise is that the subsequent death is a consequence
direct consequences of the injuries caused by the Accident.

The COMPANY will cover the consequence of death that may result from an accident occurring in an attempt to save lives.
humans.

If the INSURED were to pass away as a result of an Accident, the COMPANY will deduct from the Insured Amount to
pay under this coverage, the total amount that has already been paid to the INSURED, for the same Accident under the
coverage of organic losses.

The Policy provides coverage on a national and international level and for twenty-four (24) hours a day.

1.2.2. Organic Losses

If during the validity of this Policy, as a direct consequence of an Accident covered by it and within the
ninety (90) days following the occurrence of it, the injury caused any of the losses that follow.
they enumerate, the COMPANY will pay the following percentages of the Sum Insured established in the Policy cover
for this coverage:

For the loss of: Compensation .

Scale A
Both hands or both feet or the sight of both eyes 100%

A hand and a foot 100%

A hand or a foot, along with an eye 100%

A hand or a foot 50%

The view of an eye 30%

The thumb of any hand 15%

The index of any hand 10%

For previous losses, it will be understood:

• For loss of hand: the mutilation, ankylosis or total loss of motor functionality at the level of the
carpometacarpal joint or above it (at the wrist level or above it);
 • Due to loss of the foot: complete amputation, ankylosis or total loss of motor functionality from the
tibio-tarsal joint or above it;
• For loss of fingers: mutilation, ankylosis or total loss of motor functionality from the
metacarpophalangeal or metatarsophalangeal joint, as the case may be, or above it (between the beginning and end of the)
knuckles.
• As for the eyes, the complete and irreparable loss of sight.

When there are multiple losses occurring during the validity of the Policy, in one or several Accidents, the COMPANY
will pay the total amount of the compensations corresponding to each one, up to an amount that in no case will exceed
to the Insured Sum contracted for this coverage.

This coverage can only be obtained if you have the Accidental Death Benefit described in section (1.2.1)

1.3. Exclusions - Risks Not Covered

The following exclusions apply only to coverages 1.2.1. and 1.2.2.

The application of the benefit will not be granted when the death or organic loss of the INSURED occurs at
consequence of:

a) Self-inflicted injuries by the INSURED.

b) Injuries suffered in military service of any kind, in acts of war, revolution; direct participation
of the INSURED in the commission of intentional criminal acts.
c) Accidents that occur while the INSURED is aboard an aircraft, except when traveling
as a passenger on a duly authorized commercial airline, on a regular itinerary trip.
d) Accidents that occur while the INSURED participates in: speed, endurance or contests.
vehicle security of any kind.
e) Accidents that occur while the INSURED is using motorcycles, mopeds, or other vehicles
engine similar
f) Accidents that occur while the INSURED is engaged in activities such as skydiving, diving.
or mountaineering.
g) Accidents that occur due to the fault of the INSURED for being in a state of intoxication or under the influence
of hallucinogens or drugs not prescribed by a licensed physician.
h) For psychiatric or psychological treatments, mental alienation disorders, states of depression
psychic or nervous, hysteria, neurosis or psychosis, whatever their clinical manifestations may be.
i) For pre-existing conditions that have not been disclosed in the insurance application, for the purposes of this
It shall be understood that pre-existing condition refers to:
• Those whose onset occurs before the start of coverage and whose symptoms or signs do not
could go unnoticed,
• Those in which a prior diagnosis made by a doctor has been integrated, or
• They caused an expense or were apparent to the eye.

For these purposes, each of the manifestations of a disease that is detected will be considered a sign.
Objectively through medical exploration. Symptom is the phenomenon or subjective abnormality that reveals a
disease and serves to determine its nature.

The criterion that will be followed to consider that a disease has been apparent to the eye or that by its symptoms
the signs, these could not go unnoticed, will be the one that a doctor determines through a diagnosis or
treatment or the disbursement for detection or treatment prior to the conclusion of the Contract.

The INSURED may, in case of conflict related to pre-existing conditions, once notified the
rejection of your claim by the COMPANY, go to the National Medical Arbitration Commission. The
COMPANY agrees that if the INSURED approaches this instance, they submit to appear before this arbitrator and
to submit to the procedure and resolution of said arbitration, which will bind the INSURED and for this reason
will consider that it renounces any other right to resolve the dispute.
In this case, the award issued by arbitration carried out before the National Arbitration Commission will prevail.
Doctor, according to the procedure established by that institution. The ruling issued on the matter
will bind the parties for its compliance and will have the force of res judicata between them. If it is not admissible
Claim of the INSURED, the expenses generated due to arbitration will be borne by the latter.

2. FUNDS
Both the Individual Fund and the Surplus Fund that may be formed are part of the BASIC benefit.
They will be made up of the following way:

2.1. FONDOINDIVIDUAL
The balance of the Individual Fund will be composed as follows:

a) The balance of the Individual Fund on the initial effective date of the Policy will be equal to zero.

b) The balance of the Individual Fund on the last day of each month will be equal to:

The balance of the Individual Fund on the last day of the previous month, plus

The Basic Bonus paid during the month, plus

The technical interest accrued during the month, calculated in accordance with the established provisions.
Section 2.1.1. Interests of the Individual Fund of these Conditions, less

The monthly deductions corresponding to the month, calculated in accordance with the provisions set out in the section
2.1.2. Deductions from the Individual Fund.

c) The balance of the Individual Fund on any date that does not coincide with the first day of a month will be equal to:

The balance of the Individual Fund at the beginning of that month, plus

The Basic Premium of the Policy paid during that month, minus

The monthly deductions corresponding to that same month, calculated according to the established provisions in the
Section 2.1.2. Deductions from the Individual Fund of these Conditions.

2.1.1. Interests of the Individual Fund

Interests will be credited on the last day of each month applying the monthly technical interest rate on the balance.
average of the Individual Fund during the period.

2.1.2. Deductions from the Individual Fund

The following deductions from the Individual Fund will be applied monthly:

The monthly cost of coverage for death.

The monthly charge for acquisition expenses.

The monthly charge for administrative expenses.

The monthly cost of death coverage will be determined based on the monthly rates.
corresponding to the age reached by the POLICYHOLDER on the last anniversary of the Policy, which will apply
about the amount that results greater between:

a) The insured sum, minus the amount of the Individual Fund and Surplus;
 b) 110% of the sum of the Individual Fund, plus the Excess Fund.

2.2. EXCESS FUND

The balance of the Surplus Fund will be composed as follows:

a) The balance of the Excess Fund as of the initial validity date of the Policy will be equal to zero.

b) The balance of the Surplus Fund on each anniversary will be equal to:

The balance of the Surplus Fund on the first day of the year Immediately preceding policy, plus

The excess interests that have arisen during the Policy year, calculated according to the procedure
that is described in section 2.2.1. Interests of the Surplus Fund.

c) The balance of the Excess Fund on a date that does not coincide with the first day of a Policy year will be equal to the balance of the
Surplus Fund as of the first day of that same year Policy.

2.2.1. Interests of the Surplus Fund

The excess interests will be integrated at the end of each year of the policy as follows:

If the interest rate earned minus the corresponding charges is greater than the Technical Interest Rate, the difference
between the two, it will be credited as an excess interest applied to the average balance of the Individual Fund during the
period.

In addition to the above, interest resulting from applying the earned interest rate will be credited to this account.
the average balance of the Surplus Fund during the month.

2.3. ADDITIONAL FUND

The CONTRACTING PARTY and/or INSURED has the right to select any of the investment options for the Fund
Additionally, the COMPANY may also change the Fund allocation once a month, notifying the
COMPANY no later than the twenty-fifth (25) of each month, with the understanding that such change will take effect within the
first three (3) business days of the following month for which the respective change was requested.

The balance of the Additional Fund will be composed as follows:

a) The value at the initial effective date will be equal to zero.

b) The value on the last day of each month will be equal to:

The balance as of the last day of the previous month, plus

The additional periodic bonus paid during the month, plus

The extraordinary additional bonuses paid during the month, plus

The interests that have originated during the month, calculated according to what is established in the section
2.3.1. Interests of the Additional Fund under these Conditions, less

The charge for acquisition costs and operational expenses of this additional Fund, less
 The withdrawals from the additional fund made, in accordance with what is stated in section 2.3.2. Withdrawals from the Fund
Additional to these Conditions, less

The charges for early withdrawal made during the month.

The entirety of the resources of this Fund will be invested, at the choice of the CONTRACTING PARTY and/or INSURED, in instruments.
that depending on the expected returns, are considered to be of high, medium, or low market risk,
taking into consideration the Rules for the Investment of the Technical Reserves of Institutions and Societies
Insurance Mutuals. The CONTRACTOR and/or INSURED may choose an investment instrument monthly.
different from the selected one, through the format that the COMPANY establishes for that purpose.

2.3.1. Additional Fund Interests

Valuation of the Investment Portfolio:
The valuation of the investment portfolio of the Additional Fund balances will be carried out according to the prices and to
the rates that the financial instruments comprising that portfolio have in the formal secondary markets,
last day of each month.

Investment Portfolio Return Rate:

Valued the investment portfolio on the last day of the month, in accordance with what is established in the preceding number, it
he will proceed to calculate the monthly return rate of said portfolio by the quotient between the difference in value of
the investment portfolio of that month, and its value on the last day of the immediate previous month, including the effects of
the purchases and sales of financial instruments at their transaction value.

Investment Portfolio Interests:

The interests that will be entered into the corresponding Additional Fund on the last day of each month will result from multiplying
the average balance for the net profitability rate of that month minus the respective administrative fee.

2.3.2. Contributions to the Additional Fund

The CONTRACTING PARTY has the right to make voluntary contributions to their Additional Fund, either regularly in the
that a portion of the Basic Premium will be taken as a contribution to that Fund; or in an extraordinary manner in those that the
the totality of your contribution will be considered as such.

Contributions to this Fund cannot be made by credit card, but only through
through bank deposits in the accounts indicated by the COMPANY for this purpose. These contributions, in
Individuals may not exceed a maximum of the equivalent of ten thousand US dollars; and together thirty thousand.
American dollars per year.

In these cases, the COMPANY will deduct the costs of administration and acquisition from the amount of the contributions.
correspondence.

3. POLICY SURRENDER VALUE

The CONTRACTING PARTY and/or INSURED may redeem this Policy for the corresponding surrender value; the obligations
the COMPANY ends on the last day of the month in which the redemption was requested. The COMPANY will pay the redemption value
within ten (10) business days following the last day of each month.

The redemption value will be equal to the balance of the Individual Fund, plus the Excess Fund minus the redemption charge that
appears in the Fund Charges Table, plus the Additional Fund on the last day of the month in which the CONTRACTING PARTY and/or
THE INSURED requested the redemption option.

4. WITHDRAWALS
The CONTRACTING PARTY may make withdrawals before the agreed term ends, as follows:
 a) Partial Withdrawals. The CONTRACTOR may redeem a portion of the investment from the Additional Fund once a month.
and at most four times a year, at no charge for the first two; the remaining two will be subject to a
equivalent to the amount of two days of the Minimum General Wage in effect in the Federal District.

For the purposes of the above, the CONTRACTING PARTY must submit a written request addressed to the COMPANY,
who will pay said withdrawal within the first ten (10) business days of the month following the request; the
Withdrawal requests received in the last five (5) business days of each month will be processed in the following month.

The CONTRACTING PARTY and/or INSURED will have the right to withdraw their additional contributions once they have
thirty (30) calendar days have passed since the date you made the contribution.

b) Total Withdrawal. The CONTRACTOR may redeem all resources that are in the Fund.
Individual, the Additional Fund and the Surplus Fund. At the time of redemption, the charge will be applied that
corresponding, in accordance with the Fee Table for the Fund, which is an integral part of the present conditions.

5. START DATE OF VALIDITY AND TERMS OF THE POLICY

The coverages provided in this Policy acquire legal force from twelve o'clock on the day indicated on the cover.
Policy. The due dates for the payment of premiums will occur at midnight on the same day of the month and year that
The same will happen with regard to installment payments.

6. AGE
For insurance purposes, the age of the INSURED shall be considered as the age reached. The age reached is the
number of years completed by the INSURED on the date of the Policy's contract.

At the time of contracting the Policy, the INSURED must be between eighteen (18) and sixty-five (65) years old.

When it is verified that there was inaccuracy in the indication of the AGE of the INSURED, the COMPANY may not terminate.
the Contract, unless the actual age at the time of its signing is outside the admission limits set by the
COMPANY, but in this case the mathematical reserve of the Contract will be returned to the INSURED on the date of their
rescission.

If the age of the INSURED is within the admission limits set by the COMPANY, then
the following rules will apply:
a) When, as a result of the inaccurate indication of age, a lower premium than what would correspond is paid for
the actual age, the COMPANY's obligation will be reduced in proportion to the ratio between the stipulated premium and the premium
from the rate to the actual age on the date of the contract signing.
b) If the COMPANY has already paid the insurance amount upon discovering the inaccuracy of the indication about the age
the INSURED, shall have the right to recover what it has overpaid according to the calculation of the previous section,
including the respective interests.
c) If, as a consequence of the inaccurate indication of age, a higher premium is being paid than the
corresponding to the actual age, the COMPANY shall be obligated to refund the difference between the existing reserve and the
that would have been necessary for the actual age of the INSURED at the time of the contract celebration. The premiums
Subsequent reductions should be made according to this age.
d) If after the death of the INSURED it is discovered that the age stated in the application was incorrect,
and this is within the authorized admission limits, the COMPANY shall be obliged to pay the Sum
Ensured that the covered premiums could have been paid according to the actual age.

For the calculations mentioned in this clause, the rates that have been in effect at the time of the
celebration of the contract (Article 161 of the Law).
If at the time of signing the insurance contract, or afterwards, the INSURED presents to the COMPANY
reliable proof of your age, the COMPANY will record it in the Policy or issue another certificate and will not be able to demand
new evidence when there is to pay the claim for the death of the INSURED.

7. PRIMAS
The first premium is due on the Start Date of the Policy. The remaining premiums will be considered due on
comienzo y no al fin de cada nuevo período, y tienen el objeto de garantizar la cobertura, siempre y cuando sean pagadas
in the time and manner established in the Policy cover.
The premiums must be paid at the COMPANY's offices or at the establishments and banks authorized by the
COMPANY, which appear on the payment receipts that will be sent to the address of the INSURED. In case that the
If the INSURED does not receive the form for the payment of premiums in a timely manner, the provisions in the clause will not apply.
related to the Grace Period.

In the event that the CONTRACTOR wishes to make the corresponding payments via a credit card or
debit, it must authorize the COMPANY to make the respective charges, prior consent that is recorded in
the insurance application.

If the payment of premiums is made via a charge to a savings account or credit card, the account statement where
such charge will serve as full proof of payment. In the event that such charge cannot be made for reasons attributable to
the INSURED, the insurance will cease to be effective once the Grace Period has elapsed.

8. POLICY RIGHT
The CONTRACTOR will pay for this concept an amount of $500.00 (Five hundred pesos 00/100 M.N.), at the time of
make the first payment, regardless of the payment method you have chosen. This amount will be refunded to the
CONTRACTING PARTY through the Individual Fund at the beginning of the thirteenth month.

9. GRACE PERIOD
The non-compliance with the payment of the Basic Premium will not invalidate the validity of the Policy as long as the Individual Fund is
greater than or equal to the amount for monthly deductions plus the premium for additional coverage.

If at the beginning of a calendar month it is verified that the amount for monthly deductions, plus the premium for the coverages
the additional amounts corresponding to that month are greater than the value of the Individual Fund at the beginning of that same month, the
The CONTRACTING PARTY will have a grace period of thirty (30) days to regularize the situation, counted from the day
first of the month in which the funds are insufficient.

It is understood that the non-payment of the Basic Premium will modify the final value of the balance of the Individual Fund.
which implies a decrease in the redemption values indicated on the cover of the Policy.

Once the redemption value has been used or when such value has not yet been generated, the Surplus Fund will be available in
first instance, and subsequently of the Additional Fund, to continue satisfying the monthly deductions of the Fund
Individual and the monthly premium for additional coverage, thus keeping the Policy valid.

Notwithstanding the foregoing, and as long as the Policy remains in effect, the CONTRACTING PARTY may pay all premiums.
owed with their interests in order to restore the balance of the Individual Fund to the originally agreed value for the
expiration of the Policy.

10. REHABILITATION
In the event of early termination of the Policy, the CONTRACTOR may request in writing its reinstatement before
Six (6) months will pass from the date the Policy was canceled.
For this purpose, you must present the insurability evidence to the satisfaction of the COMPANY, and pay at least the
amount corresponding to three (3) Basic Premiums. In this case, the Excess Fund at the date of rehabilitation of the
The policy will have a balance equal to zero, applying from that date the provisions of the EXCESS FUND clause of
these General Conditions.

Once the above conditions are met, the Policy will be rehabilitated from the first day of the month following the date on
that the COMPANY approved the rehabilitation request.

11. REVALUATION
On each anniversary of the Policy, the amount of the Target Premium will be increased by five percent (5%), the amount of
These increases will be considered as Additional Premium.

The CONTRACTOR has the right to cancel these revaluations on any anniversary of the Policy. Once
this benefit cannot be reinstated.

12. PAYMENT METHOD OF THE BENEFIT

Al finalizar la vigencia de la Póliza la COMPAÑÍA entregará al CONTRATANTE los recursos que se hayan generado en el
Individual Fund and in the Additional Fund, if applicable, according to one of the following payment methods, at the choice of
CONTRACTING PARTY at the time of contracting the Policy:
a) Delivery of the resources in a single installment at the end of the Policy's validity.
b) Delivery of the resources divided into the number of exhibitions that the CONTRACTING PARTY determines, which will be
paid annually.
c) In the event that a trust has been designated as the Beneficiary, the resources will be delivered to the respective trust,
quien será el encargado de administrar y pagar los fondos correspondientes.

13. TERMINATION OF COVERAGE

The coverage of this Policy will end when the resources of the Individual Fund are exhausted and the Period has elapsed.
Grace indicated in the corresponding clause.

14. DESIGNATION OF BENEFICIARIES

In the event of the death of the INSURED, the Beneficiary(ies) will be the person(s) designated in accordance with the
established in this clause. For the coverages indicated in clauses 1.1.2 and 1.2.2, it will be considered as
Beneficiary of the insured.

The INSURED has the right to name the Beneficiary or Beneficiaries they wish, at their complete discretion and judgment, as appropriate.
the case, according to the conditions stipulated in the definition of Beneficiary. The INSURED may modify the
designation of your Beneficiaries at any time, unless you have ceded this right to a third party or have
designated an irrevocable beneficiary.

The right to revoke the designation of the Beneficiary shall cease only when the INSURED renounces it and,
In addition, I communicated it to the Beneficiary and to the COMPANY. The resignation will be forcibly recorded in the Policy, and this
The certificate will be the only admissible means of proof (Article 165 of the Law).

If only one Beneficiary had been designated and they die before or at the same time as the INSURED and there does not exist
designation of new Beneficiary, the insurance amount will be paid to the succession of the INSURED, unless agreed otherwise
contrary to what there may be renunciation of the right to revoke the designation made previously (Article 164 of the Law).

Both the designation and the change of the Beneficiary or Beneficiaries will be made expressly and in writing, upon completing the application.
of the insurance or at any later time, and it will be valid even if notified to the COMPANY after the
death of the INSURED; however, the COMPANY will be released from liability in the case of paying the
compensation corresponding to the beneficiaries designated prior to the receipt of any communication
modifying this designation.

When several people are designated without indication of proportions, it is understood that the Benefit will be distributed in equal parts.

If any of the Beneficiaries disappears, their share will equally increase that of the others (Article 177 of the Law).

By heirs or causeholders designated as Beneficiaries, it must be understood first, the descendants who must
succeed the INSURED in case of legitimate inheritance and the surviving spouse, and then, if there are no descendants or
cónyuge, las demás personas con derecho a la sucesión (Artículo 173 de la Ley).

THE COMPANY assumes no responsibility for the validity of the legal act that gave rise to the appointment
of the Beneficiaries, or due to any issues arising from it.

The Beneficiary will lose all their rights if they unjustly attack the person of the INSURED, or when it results
responsible for any act that threatens the life of the latter. If the death of the INSURED is caused
unjustly by whom the contract was celebrated, the insurance will be ineffective, but the heirs of the INSURED will have the right to
the mathematical reserve (Article 185 of the Law).

15. CLAIM CHECK

The COMPANY shall have the right to require the INSURED and/or Beneficiary all kinds of information regarding the facts
related to the incident and for which the circumstances of its occurrence and the consequences can be determined
of the same. Therefore, the INSURED and/or Beneficiary must provide the COMPANY with all the documentation
requerida, así como las pruebas necesarias para la comprobación del siniestro, salvo en caso de fuerza mayor o caso
fortuitous.

All rights to the corresponding Benefit will be lost if any information is simulated or fraudulent, without prejudice to
the legal actions that correspond.

16. POLICY DUPLICATE AND COPY

In case of theft, loss, or destruction of this Policy, the CONTRACTOR may obtain a duplicate in replacement of the
Original policy. Once the duplicate is issued, the original loses all value. The modifications made after
issued the duplicate will be the only valid ones. This request must be made in writing by the CONTRACTOR, in the
company address.

The CONTRACTING PARTY has the right to receive a copy of the statements made for the celebration of the
Contract and non-negotiable copy of the Policy. In both cases, the corresponding expenses will be borne by
CLIENT.

17. TAXES, FEES, AND CONTRIBUTIONS

Taxes, fees, and contributions of any kind and jurisdiction that may be created in the future or the
any eventual increases in existing taxes will be the responsibility of the CONTRACTING PARTY, the Beneficiaries or the
heirs, as the case may be, except when the Law expressly assigns them solely to the COMPANY.

18. DOMICILE
The address where the parties must make the reports, statements, and other communications provided for in this
Policy is that of the COMPANY and the last ones declared by the CONTRACTOR and the INSURED as applicable.
19. PRESCRIPTION
Todas las acciones que se deriven de este Contrato prescribirán en dos (2) años, contados desde la fecha del
event that gave rise to them in the terms of Article 81 of the Law, except for the cases of exception specified in the
Article 82 of the same Law.

The prescription will be interrupted not only by ordinary causes but also by the appointment of experts or by the
initiation of the conciliatory procedure established in Article 68 of the Law on Protection and Defense of the User of
Financial Services.

Likewise, the limitation period will be suspended by the submission of the claim to the Specialized Attention Unit.
Inquiries and Complaints of the COMPANY.

20. ASSIGNMENT OF RIGHTS

Any assignment of rights, lien, security or guarantee based on this Policy must be approved by the
COMPANY, which reserves the right to assess and reject the risk, and in case of acceptance, it will be documented in the
same Policy by means of an endorsement. Without such authorization, the agreements made by the CONTRACTOR with third parties
they will have no value for the COMPANY.

21. CURRENCY OF THE CONTRACT

The payments that the CONTRACTING PARTY and/or INSURED and the COMPANY must make under this Contract, shall
They will be verified in National Currency, in accordance with the Monetary Law of the United Mexican States in force on the payment date.

22. COMPETENCE
In case of controversy, the claimant may present their claim to the National Commission for Protection and
Defense of Financial Services Users (CONDUSEF), at its central offices or at the local delegation.
that is closest to the policyholder's home, or in the Specialized Unit for Consultation Attention and
Complaints of the COMPANY, in accordance with Articles 50 Bis and 68 of the Law on Protection and Defense of
Financial Services Users, and within the term of one year counted from the occurrence of the event that gave rise to it
origin. If the parties do not submit to the arbitration of the National Commission for the Protection and Defense of Users of
Financial Services, or whoever proposes this, will leave the rights of the claimant intact so that they can be upheld.
before the competent courts of the COMPANY's domicile.

23. COMPENSATION FOR DELAY

In the event that the COMPANY, despite having received the documents and information that allow it to know the
the basis of the claim that has been presented to you, does not fulfill the obligation to pay the compensation, capital
or rent in the terms of Article 71 of the Law, is obliged to pay the INSURED, Beneficiary or third party injured a
compensation for delays in accordance with the provisions of Article 135 Bis of the General Law of Institutions and
Mutual Insurance Societies, during the period of default.

The contractual documentation and the technical note that make up this product are registered with the Commission.
National Insurance and Surety, in accordance with the provisions of articles 36, 36-A, 36-B, and 36-D of the Law
General Directorate of Mutual Insurance Institutions and Societies, under registration number CD S0058 VGL