如果本人个人凭证上载明的投保日期晚于团体保险单上载明的团体保单生效日期，则本人仅需缴纳相应的未满期保费。

Prorata premium will be charged accordingly if the join date specified on my Personal Insurance Certificate is later than the scheme effective date of the Group Policy.

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投保人在本投保单上的签名及签署日期视为本授权声明的签名及生效日期。

The signature (s) of applicant and subscribe date in the application form treat as the authorization from applicant of this declaration.

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