TABLEOFCONTENTS SECTION PROVISIONS Schedule of Benefits 1 Definitions 2 Eligibility 3 Eligibility 3A Individual Effective Date--Non-Contributory Insurance (Basic) 4 Changesin Insurance Coverage 6 Individual Terminations 9 Conversion Privilege 10 PaymentofDeathBenefits 15 NamingofBeneficiary 16 TheDeathClaim 17 Determination of Beneficiary 18 Selection of Payment Method 19 General Policy Provisions 21 GC2510.1 TABLEOFCONTENTS

Certificate of Group Term Life Insurance - Page 2 Certificate of Group Term Life Insurance Page 1 Page 3