ICC18 LR14GP-PTS-2 3 PTS-12995 (11/25)  Coverage that reduces due to your change from one eligible class to another.  Coverage that reduces due to a Policy change.  Coverage that is being continued under the Waiver of Premium Rider.  Coverage that ends due to termination under the Waiver of Premium Rider. You may apply for conversion of any terminating life insurance amounts that are not eligible for portability. See the CONVERSION provision of the Certificate and riders. APPLICATION FOR EMPLOYEE PORTABILITY You may apply for portability on the same amount of insurance that would otherwise terminate or a lesser amount according to the available amounts on the portability application. You must apply for portability of your insurance in order to continue Spouse and Children’s insurance. The amount(s) that can be continued under this rider are subject to the following maximum(s):  The lesser of 5 times your Basic Yearly Earnings or $550,000 total Employee life insurance  $250,000 total Employee life insurance if you are age 60 or older  $550,000 total Employee AD&D insurance, but not to exceed the total amount of Employee life insurance continued  $250,000 total Spouse life insurance, but not to exceed the total amount of Employee life insurance continued  $250,000 of Spouse Supplemental AD&D insurance, but not to exceed the amount of Spouse Supplemental life insurance continued  $10,000 total Children’s life insurance, but not to exceed the total amount of Employee life insurance continued  $10,000 of Children’s Supplemental AD&D insurance, but not to exceed the amount of Children’s Supplemental life insurance continued You may apply for conversion of any terminating life insurance amounts that exceed the maximum amount(s) eligible for portability. See the CONVERSION provision of the Certificate and riders. You will not be eligible to increase the ported coverage amount(s). Ported coverage is subject to all the terms of the Policy including BENEFIT REDUCTIONS as described on the SCHEDULE OF BENEFITS in the Certificate or any riders. If you die within 31 days of the date you become eligible for portability under this rider (the “conversion period”), any life insurance amount that you were entitled to convert will be payable according to the CONVERSION provision of the Certificate and riders. If your Spouse or Child dies during the conversion period, any Spouse or Children’s life insurance amount that you were entitled to convert will be payable according to the CONVERSION provision of your Spouse Life Insurance Rider or Children’s Life Insurance Rider. Any AD&D insurance amount you are eligible to port will be payable according to the AD&D Rider. Any unearned Premiums paid for portability will be refunded to the Beneficiary. You do not need to provide Evidence of Insurability in order to apply for portability. You may complete the Evidence of Insurability section of the application if you want to request a lower portability Premium rate. If we accept your application for portability but decline any Evidence of Insurability, you may either pay the standard portability Premium rate or apply for conversion of life insurance within 31 days of the date we provide you written notice of conversion. See the CONVERSION provision of the Certificate and riders. Your coverage must be ported under the terms of this rider in order for Spouse or Children’s coverage to be ported. Your application for portability must be approved by us. When we approve your application, ported coverage under this rider will be effective on the day after the conversion period ends. Premiums under this rider will be billed directly to you on a quarterly basis. Each quarterly Premium due will include a billing fee as indicated on the portability application or subsequent notice. Continued Premium payment is required to keep coverage in force. The initial Premium will be based on the portability Premium rates in effect at the time you apply for portability. We may change the portability Premium rates at any time upon 90 days written notice to you. If you have made an absolute assignment of your insurance, only the current owner may apply for portability. MISSTATEMENT OF EVIDENCE OF INSURABILITY FOR EMPLOYEE PORTABILITY If your or your Spouse’s Premium rates are based on Evidence of Insurability as provided on your application for portability, and you or your Spouse have misstated any information requested on the application for portability such that the lower Premium rates would not have been approved by us, then we will adjust your or your Spouse’s Premium to the standard portability Premium rates. Any back Premium due as a result of this adjustment will be required. We