parents, parents-in-law, brother, sister, child or spouse, and shall be in accordance with Urhobo tradition.

Section 6. Other Activities: The Association may organize any other activity, social or otherwise, it considers expedient for its benefit and/or the benefit ot its members from time to time. A written report of all such activities shall be prepared by the chairman of the organizing committee, or his designee, which shall be ready for presentation to the President of the Association no later than two (2) weeks after the conclusion of the activity.

ARTICLE XI.

INSURANCE

Section 1: The Association shall have the power to negotiate for any and all insurance coverage, including, but not limited to, automobile, life, term, group, medical or hospitalization insurance, for and on behalf of its members, with any insurance carrier(s) for a reasonable policy and/or premium.

Section 2: Members shall be required to fully participate in the insurance program of the Association, unless they elect otherwise. A

Section 3: Any member who elect to not participate in the insurance program of the Association may carry his/her own insurance coverage, and shall be financially responsible for himself or herself in the event of sickness, hospitalization, accident or death.

Section 4: Sections 1, 2, and 3 above notwithstanding, the Association shall not carry any insurance policy on the life of its members nor shall it be required to use its funds to pay any of said insurance policy premiums.

Section 5: Members shall have the option to elect the Association as their respective beneficiary.

Section 6: The Association, when required to do so by any of its members, may act as trustee for and on behalf of said member, and the guidelines or trust agreement, if any, for the administration of same shall be vested in the Executive Committee or the committee established for this purpose.