RL-CI4-CNT2-20 4 CNT-12969 (11/25) TERMINATION OF CONTINUATION Coverage continued under this rider will end on the earliest of the following:  The end of the continuation period as indicated above.  The date coverage under this rider is terminated for all Active Employees under the Policy.  The date coverage under this rider is terminated for the eligible class of Active Employees to which you belong.  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 are eligible under the Policy as an Active Employee.  The date of your death.  The date you become covered under another group critical illness or specified disease insurance policy as an employee or member. In no event will coverage for any Covered Person be continued beyond the date coverage would otherwise end according to the termination provision(s) of the Certificate and riders. When this continuation ends, insurance under the Policy will stay in force only if all of the following conditions are met:  Critical Illness insurance is in force for Active Employees under the Policy;  You are in an eligible class for coverage under the Policy; and  Your premium payments are resumed. The amount of insurance will be subject to the Certificate and riders in effect on the date your premium payments are resumed. RETURN TO ACTIVE EMPLOYMENT If coverage is not continued during your Leave of Absence for active military service, and you return to Active Employment while coverage is in force for Active Employees under the Policy, then coverage for all Covered Persons may be reinstated in accordance with USERRA and applicable state law. If coverage is not continued during any other period that is eligible for continuation under the Policy, and you return to Active Employment while coverage is in force for Active Employees under the Policy, then the terms of the Certificate and riders will apply. PORTABILITY FOLLOWING TERMINATION OF CONTINUATION When continuation under this rider ends, continued premium payment will be required to keep coverage in force. If you are not eligible as an Active Employee on that date, then your coverage can be continued under the Certificate’s PORTABILITY provision. See the PORTABILITY provisions of the Spouse Critical Illness Rider and Children’s Critical Illness Rider for information about continuing coverage after your death or divorce. Executed at our home office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary