The AV-OK Total Vacation Security Plan must be purchased no later than the close of the following business day after you guarantee your booking.

AV-OK Core Plan includes Pre-departure Cancellation/Change

Waiver and Tour Guard Travel Insurance

1) APPLE VACATIONS' PRE-DEPARTURE CANCELLATION/CHANGE WAIVER This non-refundable plan allows you to cancel or change your vacation up until the flight

check-in is closed (approximately one hour prior to scheduled departure time), except for "no shows" and "no show" related cancels. For last minute cancels, call 1-866-860-AVOK no later than one hour prior to your scheduled departure. ("No-shows" include passengers who arrive at the airport or at the gate too late to travel, or who fail to have the required passport and other necessary travel documents.) Charter/Land Only Vacations: When a cancellation is made during a penalty period, your

charter/land only cancellation penalty will be refunded in Apple Vacations' travel

certificates (redeemable through the original booking agency), with the balance of the refund made in the original form of payment less the non-refundable AV-OK plan payment. The entire refund will be in original form of payment if you purchased the "cash back" option at the time of booking for an additional $30 per person. Apple Vacations travel certificates may be used like cash when purchasing an Apple Vacation, are valid for one year, are non-refundable and non-transferable (issued only in the name of the passenger who cancelled) and may not be redeemed for cash. Apple Vacations' amendment fees are waived under this coverage. Free Child Pricing: The first

child (ages 2-12) receives the AV-OK Core Plan Coverage for free when traveling with two covered adults on charter air. If there are two or more qualifying children on a charter air booking, the savings is prorated between all the qualifying children. Additional adults on the booking do not generate additional free children savings. Free Child Pricing is not available for holiday departures. Children pay Cash Back option, AV-OK Plus Plan option and reactivation fees.

Scheduled Air Package Vacations: Scheduled airfares including non-refundable airfares and

airline penalties are now covered, with all refunds made in the original form of payment. The AV-OK Plan payment will be deducted from any refund. Changes: AV-OK coverage is non-transferable and must be repurchased/reactivated if you want to have coverage on certain amended bookings. A reactivation fee of $25 for charter/land only bookings and $45 for scheduled air bookings applies for all departure date, duration, class of service, hotel, departure city and destination changes. Higher reactivation fees apply to holiday departures. Charter fare-class changes also are subject to the $25 reactivation fee unless "AV-OK Plus" is purchased.

Changes from charter to scheduled air or between scheduled air carriers, as well as name changes, require cancellation and full repurchase of AV-OK. If the number of individuals occupying a room changes, the remaining travelers will be responsible for any additional costs incurred as a result of a change in the per person occupancy rate.

2) APPLE VACATIONS' TOUR GUARD TRAVEL INSURANCE PLAN - Post-Departure Trip Interruption, Travel Delay, Baggage and more! Interrupt your Apple Vacation due to a covered reason

and your travel investment will be reimbursed. This high-quality travel insurance plan offered by Trip Mate will protect your vacation investment, your belongings, and most importantly, you. This plan also covers you even if you must interrupt your trip due to a pre-existing medical condition and you are not disabled from travel at the time of your Plan payment. You will receive a "Description of Coverage" with your travel documents, which provides complete details of the Plan, including conditions,

exclusions and limitations. Plan payments are non-refundable and non-transferable. Please visit http://www.tripmate.com/wpF430 for complete details. �NOTE for groups, ski packages and Belize: Apple's Best Price Guarantee and Pre-Depar ture

Cancellation/Change Waiver do not apply to Group Depar tment bookings of 20 or more people, ski packages, and travel to Belize. The Tour Guard Travel Insurance Plan is available and includes a Pre-Departure Cancellation benefit as described below. AV-OK Plus Plan option includes Best Price Guarantee and protection from fuel surcharge increases

APPLE VACATIONS' BEST PRICE GUARANTEE - Provides protection from fuel surcharge increases imposed after deposit. In addition, if a lower priced charter fare-class becomes available

after deposit, you can claim the savings. If we advertise a discount on the exact same vacation that you have booked (same date, flight, scheduled air fare-class, duration of stay, hotel, and room category) and all components are available, you can claim the savings prior to departure. This does not apply to Air Only, Square Deals, special packages, booking date-restricted sales and hotels with a

"closed" booking status. Many added values offered by hotels are booking date restricted and may no longer apply when you activate the Best Price Guarantee.

Tour Guard Travel Insurance Plan provides for

Trip Interruption

Travel Delay - up to $500

Medical Expense/Emergency Assistance

Access your medical records online

Accidental Death & Dismemberment

Baggage and Personal Effects - up to $1,000

Tour Guard Coverage Terms and Conditions

Certain exclusions and limitations apply. Click here for full details of the plan.

*Trip Cancellation - This benefit only applies to groups of 20 OR MORE PEOPLE, SKI

PACKAGES and BELIZE (not covered under Apple Vacations' Pre-Departure Cancellation Waiver).� If you have to cancel or interrupt your Trip due to a covered Injury, Sickness, or death - your own or that of a Traveling Companion or a Family Member - you will be reimbursed up to the Trip Cost for: cancellation charges imposed on travel arrangements provided by Apple Vacations if you cancel before departure.

CLAIM PROCEDURES - To make a change to your existing booking, to "claim the savings" per

Apple's Best Price Guarantee or to cancel your vacation prior to departure, contact your travel agent who will notify Apple Vacations. For all post-departure travel insurance claims (and for Trip cancellation claims for groups of 20 or more people, ski packages, Belize not covered under Apple

Vacations' Pre-Departure Cancellation Waiver) contact Trip Mate, Inc. (In CA dba Trip Mate

Insurance Agency) at 1-866-389-5378 or report your claim on-line at tripmate.com. The Tour Guard Travel Insurance Plan is underwritten by United States Fire Insurance Company, Eatontown, NJ.