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Any dividend held under the original policy ies or other credit from the conversion will a be transferred to the new policy ies or b paid to the owner s of the new policy ies or c remain with the original policy ies. However where coverage provided under the original policy ies and/or rider continues such coverage remains contestable as set forth in the original policy ies and/or rider. Except where the original policy ies stay s in force any policy loan will be charged to the new policy ies...

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