Amendment to [Schedule B]. The Product pricing tables on [Schedule B] of the Product Agreement are hereby amended and replaced with the pricing tables set forth on Exhibit 1 of this Amendment. For clarity, the pricing set forth in the updated pricing tables applies with respect to Product purchases beginning retroactively as of January 1, 2016.

[Schedule B]. [Schedule B] to the 1st Amendment is hereby deleted in its entirety and replaced with new [Schedule B] attached hereto.

Amendment to SCHEDULE A. “[Schedule A] – Covered Policies” to the Agreement is replaced in its entirety with the “[Schedule A] – Covered Policies” attached to this Amendment.

MEMBERS® Zone Annuity

Amendment to [Schedule 1]. The Credit Agreement is hereby amended to delete [Schedule 1] (Commitments of Lenders) therefrom and to insert in place thereof a new [Schedule 1] in the form of [Schedule 1] hereto.

Amendment to [Schedule 4.2] [Exhibit A], The investment guidelines attached as [Schedule 4.2] to the Agreement are hereby replaced in their entirety with the investment guidelines attached hereto.

A B.A.D. Member may initiate the exercise of the B.A.D. Option by sending a written notice (the “Notice of Exercise”) declaring that B.A.D. Member’s exercise of the B.A.D. Option and including a calculation of the aggregate Purchase Price. The Notice of Exercise must be sent to each Subscriber and to each of the other B.A.D. Members by email followed by overnight mail to the addresses on the top of this Agreement or such addresses as the Parties may subsequently provide. The date on which the Notice of Exercise is sent to both groups will be the “Notice Date”.

[Exhibit B]. The […] section of […] of the Contract is deleted and replaced with the following:

Schedule. Landlord shall deliver to Tenant a reasonably detailed schedule setting forth milestone dates for Substantial Completion of the Base Building Improvements, and shall keep Tenant reasonably apprised of any material changes in said schedule.

“First Refinancing Amendment Allocation Schedule” shall mean the schedule on file with the Administrative Agent and approved by the Borrower setting forth the name of each Term B Lender and, next to such name, the amount of Term B Loans to be made to the Borrower in Dollars by such Term B Lender on the First Refinancing Amendment Effective Date.