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i mp o rt an t feat u r e s of th e U S L M e m b e r In suran ce Pr og ram: Hi g h -l i m i t Acc i d ent a n d C a ta s t ro phic I n s u ra n ce to cove r me mbe r s f r om i n jur y up to 1 ,0 0 0 ,0 0 0 i n m e d ica l ex p e ns e s Hi g h -l i m i t Ge n era l L i a bi l i ty pro tec tio n ( 3, 000, 000 pe r occur r e n ce / 7, 000, 000 ag g regate perlo ca t i o n ) fo r m e m b e r s in th e eve nt th ey ar e i nvol ve d i n a l i abi l i ty l awsui t or cl ai m G e n e ral L i ab i l i ty covera g e ex ten d s a u to ma t ica lly to 100% regis tered tea ms , lea gue s an dvol u n te e r s ( of 1 0 0 % r e g is te r e d te a ms an d l e ag ue s) to pr ovi d e 3, 000, 000 pe r occur rence and 7 ,0 0 0 ,0 0 0 ag g r e g a te p e r l o ca tio n C h an ge for 2 021 : A “ Co m m unica b l e D i se ase Excl usi on ” i s n ow par t of al l pol i ci e s. Pl ease seet h e COV ID - 1 9 I ns ura nce Cove ra g e R e s pon se an d Ri sk M an ag e me n t G ui d e l i n e s i n Se ction V fora ddi t i o n a l i n fo r m a tio n US L ac ro sse M e m b e r I ns ura nce p l a ns cove r me mbe r s w hi l e pa r t icipa t in g in any a mate url a c ros s e a c ti v i t i es , no t j us t th o s e of the i r ‘ pr i mar y’ te am. If a me mbe r pl ays for their sch oola n d pl ays fo r a c l ub , w h il e a l s o a tte n d i n g a l acr osse camp an d a tour n ame n t – they will becovered fo r al l of th o s e a c tiv itie s . O th e r i n suran ce pl an s may on l y cove r your pr i mar y team’sa c t i v i t i es. S i m il a r l y , if a n of f ic ia l o r u mpi r e of f i ci ate s youth, HS, col l e g e , an d tour n am ents, h eo r sh e i s cove r e d fo r a l l of th o s e a s p e cts of amate ur l acr osse . Th e bu y i n g powe r of U S La c r o s s e a nd i ts exce l l e n t cl ai ms hi stor y make i t possi bl e to continu eprov i di n g b roa d i ns ura n ce covera g e wit h h igh - limit s a t a n a ffo rda ble co s t S t ab i l i ty of t h e pro g ra m is a f und a me n tal be n ef i t to al l w he n the r e i s so much tur moil int h e spo rt s i n s ura nce m a r ke t. U S La c r o sse has par tn e r e d w i th RPS B ol l i n g e r an d M ar kel for over2 0 years – a te s ta m e nt to th e s tr e ng th an d pe r for man ce of the pr og ram. Thi s i s a r e markabledi f feren t i ato r a t a tim e w h e n m a ny s por ts or g an i zati on s have be e n can ce l l e d d ue to claimsh i sto r y , o r l ef t s tra nd e d by ins ura nce compan i e s w ho have ex i te d the mar ke t or si mp ly closedt h ei r do o rs. Exp e r t i s e : Vo l unte e r s m a ke up th e backbon e of most l acr osse te ams an d l e ag ue s. They don’th ave t i m e to b e ins ura nce o r r is k m a nag e me n t ex pe r ts – an d they d on ’ t have to be . Th e US LInsu ra n ce/ Ri s k M a na g e m e nt co m m itte e an d the U SL Spor t Sci e n ce an d Safe ty comm ittees pu tto get h er best p ra c tice s , ins ura nce s u mmar i e s, an d safe ty g ui d e l i n e s so that vol un te ers h avet h i s expert i se a t th e ir f ing e r tip s to p r ote ct the mse l ve s an d the i r pl aye r s.6U SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E

US LACROSSE INSURANCE PROGRAM AT A GLANCEG E N E R A L L I A B I L I T Y & E XC E S S BA S I C AC C I D E N T L I M I T SLIABILITY COMBINED LIMITSC OV E R AG E D E S C R I P T I O NL I M I T S / D E TA I L SLiability Limit 3,000,000 per occurrenceLimit of Liability (per Location) 7,000,000 aggregateParticipant Legal Liability(included in limit above)Abuse/Molestation Liability 2,000,000 per occurrenceAbuse/Molestation Liability (per policy term) 3,000,000 aggregatePersonal Advertising Injury 3,000,000 per occurrenceProducts/Completed Operations (per policyterm) 4,000,000 aggregateDamage to Premises Rented to You 1,000,000 per occurrenceMedical Expense Limit 10,000 (to non-participants)Deductible 0 per claimU SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E7

BA S I C AC C I D E N T L I M I T SC OV E R AG E D E S C R I P T I O NL I M I T S / D E TA I L SAccident Medical/Dental Expense Limit 100,000 per injuryFull Excess Basis8Accidental Death and DismembermentBenefit 20,000 (incl. coverage for Cardiac/Circulatory claims)Policy Benefit Period2 years from date of injuryPhysical Therapy Benefit 2,000 ( 50 max per visit)Durable Medical Equipment Benefit 2,500 per injuryAccident Deductible — Youth Players 500 per injuryAccident Deductible — HS Players 500 per injuryAccident Deductible — Certified Coachesand Officials 500 per injuryAccident Deductible — Non-CertifiedCoaches and Officials 1,000 per injuryAccident Deductible — Adult WomenPlayers 1,000 per injuryAccident Deductible — Adult Men Players 3,000 per injuryAccident Deductible — US National TeamPlayers (while participating in national teamevents) 0 per injuryEmergency Medical Evacuation (more than100 miles from home) 25,000 benefit for onfield injuriesEmergency Repatriation Benefit (more than100 miles from home) 25,000 resulting from onfield fatalitiesOfficials’ Game Fee Reimbursement Benefit 7,500 certified officials 5,000 noncertified officialsOfficials’ Game Fee Max 200 per gameDeductible (Waiting Period)7 Days from InjuryU SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E

C ATA S T R O P H I C AC C I D E N T P O L I C YC OV E R AG E D E S C R I P T I O NL I M I T S / D E TA I L SCatastrophic Accident Medical/ DentalExpense Limit 1,000,000 per injuryCatastrophic Cash Benefit for Coma orParalysis Lasting More Than 6 Months 250,000 lump sum paymentDeductible (dovetails with Basic Accidentpolicy limit) 100,000*Policy Benefit Period10 years from date of injuryDeductible Incurral Period2 years from date of injuryFull Excess BasisExtended Cat Benefits (all benefits listedbelow capped at 1,000,000 in total payout) 1,000,000 max limitAdjustment ExpenseFamily Counseling BenefitCollege Education BenefitAdaptation ExpenseAncillary Sickness/Injury BenefitUp to 125,000Up to 25,000Up to 150,000Up to 200,000Up to 200,000Disability BenefitUp to 300,000* To i n i t i a te t h e C a ta s tr o p h ic p o l ic y b e nef i ts, a cl ai m n e e d s to pay out at l e ast 100, 000 inex p en ses w i t h i n th e D e d uc tib l e I nc ur ral Pe r i od . The se ex pe n se s can be pai d by the U S LacrosseBasic Acc i den t p o l ic y , by th e c l a im a nt’ s pr i mar y i n suran ce , or by a combi n ati on of the two.U SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E9

S EC T ION#2How Does the US LacrosseInsurance Program Protect Me?( I N S U R A N C E P L A N D E TA I L S BY M E M B E R S H I P T Y P E )10U SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E

I AM A PLAYERA s a US L ac ro sse m e m b e r p l aye r , yo u a u tomati cal l y r e ce i ve a packag e of Acci d e n t an d LiabilityInsura n ce t h a t cove r s yo u fo r a ny o r g a n i ze d amate ur l acr osse you pl ay i n d ur i n g the 12 -m onthterm of m em ber s h ip , w h e th e r th o s e a c t i vi ti e s take pl ace i n the U. S. or abr oad .The US L a c ro sse M e m b e r I ns ura nce P r o gram g oe s i n to ef fe ct upon the d ate of r e ce i pt of you rnew o r ren ewal m e m b e r s h ip a p p l ica tio n i n U S L acr osse ’ s of f i ce ( usual l y same d ay i f applyingonlin e). If yo u o r yo ur co a c h m a il in th e appl i cati on to U SL , cove rag e d oe s n ot g o i n to ef fectunt il t h e a ppl i ca tio n is r e ce ive d in U S L acr osse ’ s of f i ce . You can l ook up your me mbe r sh ip statu sonlin e a t M em b e r s h ip Lo o k up Con ce r n e d a bo ut g ett i n g i nj ured wh ile play in g la cro s s e? Th e Accid en t po licies protectyo u w i t h a 1 m il l io n l im it in ca s e yo u ar e hur t pl ayi n g l acr osse . Thi s cove rag e i s you r safetyn et fo r covering m e d ica l , d e nta l , p r e scr i pti on d r ug , physi cal the rapy an d othe r r e l atedexpen ses. Th is p o l ic y is E xce s s , s o if you have othe r he al thcar e cove rag e , that pol i cy paysfirst — t h en a ny o ut-of -p o c ke t ex p e nse s or r e mai n i n g bal an ce s can be submi tte d to t h e US LAcc i den t pl an. Th e r e is a l s o a d e d uc t i bl e ( 500 for youth an d hi g h school pl aye r s, 1,000 fora du l t wo m en p l aye r s , 3 , 0 0 0 fo r a d ul t mal e pl aye r s) that must be me t befor e the U SL policypays i t s ben ef its . W h at i f I g e t s ued ? Wh il e no o ne wa n ts to hi r e l aw ye r s or e n d up i n cour t, U S L acr o sse takest h e st i n g o u t of l e g a l m a tte r s w ith the U SL L i abi l i ty In suran ce pl an . If you ar e sue d as a resu ltof i n j u ri n g so m e o ne o r ca us ing p r o p er ty d amag e d ur i n g a l acr osse acti vi ty (an e r ran t sh ott h a t sh a t ters a ca r ’ s w ind s h ie l d , fo r exampl e ), the U SL L i abi l i ty pol i cy w i l l han d l e the lawsu itfo r yo u fro m b e g inning to e nd . M a r kel In suran ce Company w i l l ar ran g e for an attor n ey torepresen t yo u a nd w il l cove r th e l e g al bi l l s, se ttl e me n ts or i n d e mn i ty pay me n ts that you incu r(acco rdi n g to th e te r m s of th e p o l ic y). Am I cove re d even i f t h e o t h er people o n my tea m a re n o t U S L a cro s s e m embers?Yes — as l o n g a s yo ur m e m b e r s h ip is i n for ce an d you ar e a me mbe r i n g ood stan d i n g with USL ac ro sse, t h e ins ura nce p l a ns a r e th e r e for you. It d oe sn ’ t matte r i f you ar e pl ayi n g withn o n - US L a c ro s s e m e m b e r s , o r if yo u g o to an eve n t that i s spon sor e d by an i n d e pe n dentla c ro sse o rga niza tio n — th e U S La c r o s se M e mbe r In suran ce fol l ows you for the d uration ofyo u r m em ber s h ip . W i l l t h e U S L i ns ura n ce pl a n cover m e if I play box la cro s s e? The U S L acr osse M e m berInsu ra n ce Pro g ra m a p p l ie s w h e th e r t he l acr osse g ame s or acti vi ti e s ar e he l d outd oors ori n do o rs, as l o ng a s th e e s ta b l is h e d r u l e s appr ove d by U S L acr osse ar e e n for ce d . For b oxla c ro sse pl aye d w ith d a s h e r b o a r d s , US L acr osse B ox / In d oor r ul e s must be fol l owe d . M i n or m od i f i c a t i o ns to a pproved f ield r u les – w he the r pl aye d i n d oor s or outd oor s - su cha s redu ced n um b e r of p l aye r s , f ie l d si ze , boun d ar i e s, an d ti me w i l l n ot af fe ct the i n s u rancecoverage as l o ng a s th e m o d if ica tio ns d o n ot chal l e n g e the i n te n t of the r ul e s or je opardizepl ayer safet y.U SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E11

INSURANCE COVERAGES FOR US LACROSSE MEMBERPLAYERSBASIC EXCESS AC C I D E N T : Th is pol i cy i s the f i r st l aye r of the two Acci d e n t pol i c ies th atmake u p t h e US La c r o s s e M e m b e r I ns uran ce Pr og ram Acci d e n t Pl an .C OV E R AG E D E S C R I P T I O NL I M I T S / D E TA I L SAccident Medical Expense Limit 100,000 limit per InjuryAccidental Death Benefit 20,000 (incl. Cardiac/ Circulatorycoverage*)Accidental Dismemberment Benefit 20,000 principal sumDeductible — Youth and High SchoolPlayers 500 per injuryDeductible — Adult Male Players 3,000 per injuryDeductible — Adult Women Players 1,000 per injuryDeductible — National Team Players(For injuries incurred during national teampractices and events only; if injured duringregular play, above deductibles apply.) 0 per injuryPhysical Therapy/Chiropractic Limit 2,000 (limited to 50 maximum per visit)Durable Medical Equipment Limit 2,500 maximumPolicy Benefit Period2 years from date of injuryEmergency Medical Evacuation (more than100 miles from home) 25,000 benefit for on-field injuriesEmergency Repatriation Benefit (more than100 miles from home) 25,000 resulting from on-field fatalitiesFull Excess CoverageFu l l Exce s s Covera g e: Th e Ba s ic Acc ide n t pol i cy i s w r i tte n on a f ul l exce ss basi s, me aning th ati t p ays o n l y a f te r a ny o th e r co l l e c tib l e in suran ce has pai d i ts be n ef i ts. If n o othe r i n surance is inp lace, t h e po l ic y p ays o n a p r im a r y b asi s af te r the d e d ucti bl e has be e n appl i e d .*Acc i d e n t al D ea th B en ef i t — i n c l . C a rd ia c/Circu la to r y Covera ge: If a pl aye r d i e s w ith in 48hou rs of a cardi a c o r c ir c ul a to r y (s tr o ke) i n ci d e n t d ur i n g a cove r e d acti vi ty, the d e ath b enefitwi ll be pa i d to t h e m e m b e r ’ s fa m il y. Th e Acci d e n t pol i ci e s d o n ot pr ovi d e any othe r coverage forsi ck n ess o r i l l n e s s . Th e r efo r e , m e d ica l ex pe n se s for the car d i ac or ci r cul ator y i n ci d e n t wou ld notb e p ai d; o n l y t h e D e a th Be nef it is p aya b l e .12U SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E

D ed u c t i b l e : Th e d e d uc tib l e und e r th is pol i cy appl i e s to e ach i n jur y r e g ar d l e ss of pay mentsmade o r dedu c t ib l e s ta ke n by o th e r (p r i mar y) i n suran ce .CATA STROPH I C AC C I D E N T :Th is pol i cy i s the se con d l aye r of Acci d e n t cove rag e for USL acr o sse m em be r s — p r ov id ing up to 1 mi l l i on i n Acci d e n t M e d i cal Ex pe n se be n ef i ts.C OV E R AG E D E S C R I P T I O NL I M I T S / D E TA I L SAccident Medical Expense Limit 1,000,000Benefit Period10 yearsCatastrophic Cash Benefit forComa/Paralysis 250,000 lump sumDeductible 100,000 (integrates with Basic Accidentpolicy)Deductible Incurral Period2 years from date of injuryCatastrophic Injury Extended Benefits —provides up to an additional 1,000,000 for acombination of the following:Adjustment Expense —up to 125,000Family Counseling Expense — up to 25,000College Education Benefit — up to 150,000Adaptation Expense — up to 200,000Ancillary Sickness Benefit — up to 200,000Disability Benefit — up to 300,000Im p or t an t n ote: Th e B a s ic a nd C a ta s tr ophi c Acci d e n t pol i ci e s cove r on l y those me d i ca l/dentalex p en ses ari si n g o ut of Acc id e nta l I nj uri e s that occur d ur i n g cove r e d acti vi ti e s. Th e policie sdo n ot p rovi d e covera g e fo r c l a i ms ar is in g o u t o f s ick n es s , illn es s o r bo dily co n ditions.F or exa m pl e, n o cove ra g e is p r ov id e d for vi r us ( COV ID-19 or othe r ki n d of vi r us), communicabledi se a se, h eart atta c k , s tr o ke , p r e g na nc y, or othe r such con d i ti on s ( exce pt for the Acci d entalDea t h ben efi t , w h ic h s p e c if ica l l y ex te nds cove rag e to fatal i ti e s cause d by he ar t attack o r stroke).U SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E13

G E N E R A L L I A B I L I T Y A N D E XC E S S L I A B I L I T YThe pri m ar y fo c us of th e G e ne ra l Lia b il ity pol i ci e s i s to cove r cl ai ms an d l awsui ts ar i si ng ou t ofBodi l y In j u r y o r P r o p e r ty D a m a g e to o th e r s ar i si n g out of l acr osse acti vi ti e s. The G e n e ral Liabilityand E xcess L i a b il ity co m b ine d p o l ic y l imi ts pr ovi d e d to me mbe r s ar e as fol l ows.C OV E R AG E D E S C R I P T I O NL I M I T S / D E TA I L SLimit of Liability per Occurrence 3,000,000General Aggregate Limit per Location 7,000,000Products and Completed OperationsAggregate 4,000,000Personal Injury/Advertising Injury Limit 3,000,000Sexual Abuse Liability Limit per Occurrence 2,000,000Sexual Abuse Liability Limit PolicyAggregate 3,000,000Damage to Premises Rented to You 1,000,000Medical Payments (to nonparticipants) 10,000Deductible 0E X A M P L E S O F L I A B I L I T Y C L A I M S F O R P L AY E R S A pl ayer i s se r io us l y inj ur e d (B o d il y I njur y) d ur i n g a g ame an d sue s the pl aye r w ho hit h im forn egl i gen t co nta c t. A spec t a to r g e ts h it w ith a b a l l in th e eye ( B od i l y In jur y) an d sue s the pl aye r w ho sho t th e balla n d t h e fi el d ow ne r fo r no t p r o te c ting spe ctator s f r om e r ran t shots. Pl ayers o n a n ove r nig h t tr ip w ith th e i r te am ar e vi cti ms of hazi n g by othe r pl aye r s ( defined asB o di l y In j u r y ) . Th e ir p a r e nts s ue th e a ccuse d pl aye r s an d the coache s i n a ci vi l sui t.ADDITIONAL INSURANCE INFORMATION FOR PLAYERSThi s i s a su m m a r y of th e s co p e of cove rag e . For f ul l d e tai l s on e ach pol i cy, pl e ase se e S ection I I I . S t an d ard ama teur l a c ro s s e a c t i v i t ies : Pl aye r s ar e cove r e d for sche d ul e d g ame s, te amprac t i ces, to ur na m e nts , ca m p s , c l inics an d spon sor e d te am/ l e ag ue acti vi ti e s (as d ef ined in“O t h er S u per v is e d Ac tiv itie s ” ) , while under the direct super vision of a te am coach or oth erof fi c i al l y desig na te d m e m b e r . No cove ra ge is p r ov id e d fo r p ic k -up g ame s, un supe r vi se d practi ce s, i n d i vi d ual wor kou ts,prac t i ces o r co nd itio ning (g o ing to th e f i e l d to d o your ow n d r i l l s) or “hacki n g ar ound” withyo u r l ac ro sse s tic k in s o m e o ne ’ s b a c kyar d . As a player m ember , you ar e cove r e d for playing14U SL A C R O S S E2 0 2 1I N S U R A N C EG U I D E

la c ro sse, n o t co a c h ing o r of f ic ia ting . If you al so par ti ci pate as a coach or of f i ci al , you mustregister with US Lacrosse in each categor y in order to be covered by the insurance program forthose activities. Any an d al l a ma teur l a c ro s s e – i n d o o r s o r o u t : The U S L acr osse In suran ce Pr og rama ppl i es wh et h e r th e l a c r o s s e g a m e s o r acti vi ti e s ar e he l d outd oor s or i n d oor s, as l on g as th eest a bl i sh ed ru l e s a p p r ove d by U S La cr osse ar e e n for ce d . For box l acr osse pl aye d w i th dash erbo ards, US L a c r o s s e Box /I nd o o r r ul e s must be fol l owe d . M i n or mod i f i cati on s to appr oved USL ac ro sse fi el d o r b ox r ul e s , s uc h a s r e d uce d n umbe r of pl aye r s, f i e l d si ze , boun d ar i e s andt i m e – wh et he r ind o o r s o r o utd o o r s - w i l l n ot af fe ct the i n suran ce cove rag e as l on g as th em o di fi ca t i o n s d o no t c h a l l e ng e th e inte n t of the

The US Lacrosse Insurance and Risk Management Subcommittee is composed of the following individuals, each of whom brings a depth of professional experience relative to insurance, law and risk management: Appo