RL-CI4-CERT2-20-IN 16 D12969 (11/25) The Employer or we will provide you with the information needed to continue your coverage under this provision. Continuation of coverage must be elected within 31 days of when it would otherwise terminate. Coverage continued under this provision is subject to all the terms of this Certificate. You may not increase the continued coverage amount. Continued premium payment is required to keep coverage in force. Premiums will be billed directly to you. The initial premium will be based on the portability premium rates in effect at the time you are eligible to continue your coverage under this provision. We may change the portability premium rates at any time upon 60 days Written notice to you. Coverage continued under this provision will end on the earliest of the following:  The end of the period for which premiums are paid if the next premium is not paid by its due date, subject to the GRACE PERIOD provision.  The date you die.  The date the Policy terminates and coverage for all Insured Persons under the Policy terminates, upon 60 days Written notice of termination. GRACE PERIOD The Policyholder has a grace period of 60 days for the payment of any premium due except the first premium payment. During the Policyholder’s grace period, the Policy will remain in force. If the full premium payment is not received by us by the end of the grace period, the Policy will automatically terminate at the end of the grace period. The Policyholder is required to pay a pro rata premium for any period the Policy was in force during the grace period. There is no grace period if the Policyholder gives us advance Written notice of termination, or if we have given the Policyholder advance Written notice of termination as described under the POLICY TERMINATION provision. If you are continuing your coverage under the PORTABILITY provision, you have a grace period of 31 days for the payment of any premium due. During your grace period, your coverage will remain in force. If the full premium payment is not received by us by the due date, we will give Written notification to you that if the premium is not paid by the end of the grace period, all coverage will terminate on the last day of the grace period. If we fail to give such Written notice, coverage will continue in effect until the date such notice is given. We may extend the grace period by giving Written notice of such intent to you, and such notice will specify that all coverage will terminate on that date if the premium remains unpaid. A pro rata premium payment is required for any period your coverage was in force during the grace period. REPRESENTATIONS NOT WARRANTIES All statements made by the Policyholder and you are considered representations and not warranties. INCONTESTABILITY We will not use any statements made by you to avoid insurance, reduce benefits or defend a claim unless the statement is included in a Written application or enrollment form relating to your insurability. Except for fraud, we will not use such statements to contest insurance after it has been in force for two years from its effective date. Fraud in the procurement of coverage under the Policy is only contestable after the coverage has been in force for two years from its effective date if permitted by applicable law in the governing jurisdiction. The statement on which any contest is based must be material to the risk accepted or the hazard assumed by us. CLERICAL ERROR Clerical error or omission by the Policyholder or us will not:  Prevent you from being covered, if you are entitled to coverage under the terms of the Policy.  Cause coverage to begin or continue for you when the coverage would not otherwise be effective.  End insurance validly in effect. If the Policyholder gives us information about you that is incorrect, we will do both of the following:  Use the facts to decide whether you are eligible for coverage under the Policy and in what amounts.  Make a fair adjustment of the premium.