1. BENEFIT HIGHLIGHTS At the time of enrollment, you may be eligible to select an amount of Critical Illness insurance. We will pay benefits corresponding to the elections you made as shown below. You may change your or your Spouse's and Dependent Children's amount of Critical Illness insurance according to the When can you make Changes in Insurance provision. Any limitation applies separately to you, your Spouse and Dependent Children. Please see Covered Conditions and Exclusions and Limitations for a complete description of benefits, limitations and exclusions. Insurance Amounts Employee Insurance Minimum: $5,000 Maximum: $20,000 Change Increment Amount: $5,000 Spouse Insurance Minimum: $2,500 Maximum: $10,000 Change Increment Amount: $2,500 Dependent Children Insurance Minimum: $2,500 Maximum: $5,000 Change Increment Amount: $2,500 The Spouse and Dependent Children Insurance Amount will not be more than 50% of your Insurance Amount. Age Reduction If you are age 70 or more on the date you apply for Employee Insurance, your amount of Employee Insurance will be limited to 50% of the amount that you could have otherwise elected rounded to the next higher multiple of $1,000, if not already an exact multiple. If you were insured before age 70, your amount of Employee Insurance shown above reduces to 50% rounded to the next higher multiple of $1,000, if not already an exact multiple when you reach age 70. Your Spouse and Dependent Children Insurance Amount will be reduced if it exceeds 50% of your amount following an age reduction. This reduction will take effect on the January 1st following the date of change. No further increases to your benefit amount will be allowed after the age reduction has been applied. Any reduction will be subject to the other provisions of the Policy. 16-SD-C-01 Page5