Annexes (p. 17-44): 1. Vanbreda insurance benefits summary -- 2. Provisions pertaining to hospitalization in the United States of America -- 3. Direct deposit of reimbursments of claims into member bank accounts -- 4. Vanbreda International toll-free telephone numbers. "To: Members of the staff at offices away from Headquarters". "Expiration date of the present information circular: 31 December 2012".