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SECTION 2-DEFINITIONS ADMINISTRATOR means an organization which has been retained by You and approved by Us to provide claim and administrative services for You. AGGREGATE MONTHLY FACTOR means the amount applicable to each Covered Person as shown in the Schedule. ANNUAL AGGREGATE ATTACHMENT POINT which is determined at the end of the Policy Year and is an amount equal to the product of the Aggregate Monthly Factor times the number of Covered Units for each applicable month during the Policy Year. The Annual Aggregate Attachment Point is stated in the Schedule and is descnbed in Section 3. This amount is that portion of the EligIble Expenses not covered by this Policy and entirely retained by You for the total Number of Covered Units in each Policy Year. APPLICATION means the application for excess loss insurance submitted by You to Us in connection with the issuance of this Policy. BENEFIT PERCENTAGE PAYABLE means the factor that determines the amOlmt of the Maximmn Benefit payable to You as shown in the Schedule. Separate benefit percentages may apply to either the Aggregate Excess Loss or to the Specific Excess Loss. BENEFIT PERIOD means the period of time, as shown in the Schedule, during which a covered expense must be Incurred, and/or Paid to be eligIble for reimbursement under this Policy. COVERED MONTH is determined from the Effective Date. Each new Covered Month 'will begin on the date which corresponds with the Effective Date. If there is no such date in any applicable month, then the last date of that month will be used. COVERED PERSON means an eligIble employee or eligIble dependent(s) . COVERED UNIT includes an eligIble employee, eligIble employees and their dependents or such other defined individuals as specifically agreed upon between You and Us. DISCLOSURE STATEMENT means the disclosure statement submitted by You to Us in connection with the issuance of this Policy. ELIGIBLE EXPENSES means the reasonable and customary charges covered by the Plan and incurred by a Covered Person while insured under the Plan for medically necessary treatment, services and/or supplies prescnbed by an attending physician. EFFECTIVE DATE means the date the coverage begins as stated in the Schedule. EXPERIMENTAL or INVESTIGATIVE means care, procedures, treatments, or technology that are not widely recognized and accepted as effective, safe and appropriate for the injury or illness by the medical profession in the U.S., that are in research or Investigative stage, or conducted for research or similar purposes; or for which the patient has been asked to give, or has signed, a release or other document, indicating that the treatment is Experimental or Investigative or other similar tenn. In determining any of the criteria stated above We will rely on recognized medical sources such as, but not limited to the American Medical Association, the Council of Technology Assistance Program and the SL-200l 5 (6/01)