RL-HI2-CERT-20-IN 10 D12970 (11/25) AGENCY For purposes of the Policy, the Policyholder acts on its own behalf or as your agent. Under no circumstances will the Policyholder be deemed our agent. CONSUMER NOTICE Questions regarding your policy or coverage should be directed to: ReliaStar Life Insurance Company 877-236-7564 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 You may file a grievance with us either orally or in writing using the contact information above. We maintain a grievance procedure as required by Indiana law. You may contact us at any time to obtain information about this procedure and how to file a grievance. If you (a) need the assistance of the governmental agency that regulates insurance; or (b) have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or email: State of Indiana Department of Insurance Consumer Services Division 311 West Washington Street, Suite 300 Indianapolis, Indiana 46204 Consumer Hotline: (800) 622-4461; (317) 232-2395 Complaints can be filed electronically at www.in.gov/idoi. CONFORMITY WITH STATE STATUTES Any provision of the Policy which, on the Policy effective date and each subsequent Policy anniversary date, conflicts with any law that applies in the jurisdiction where the Policy is issued, is automatically amended to conform to the minimum requirements of such law. CHANGES TO POLICY OR CERTIFICATE No agent, representative or employee of ours or of any other entity may change or waive the terms of the Policy, or of any Certificate or rider issued under it, except in writing signed by one of our executive officers and endorsed or attached to the Policy. If there is a conflict between the terms of this Certificate or any attached rider and the Policy, the Policy controls.