Noblesville Schools Group Term Life Insurance Plan

YOUR GROUP TERM LIFE INSURANCE PLAN For Employees of Noblesville Schools D12995 (11/25) Class 2: All Other Active Full-Time Certified or Central Office Classified Staff Employees not covered in Class 1

ICC18 LC14GP-2 1 D12995 (11/25) ReliaStar Life Insurance Company certifies that we have issued the group Policy listed above to the Policyholder. The Policy is available for you to review if you contact the Policyholder for more information. Subject to the provisions of this Certificate, we certify that eligible Employees are insured for the benefits described in this Certificate. This Certificate summarizes and explains the parts of the Policy which apply to you, if you are an eligible Employee as defined. The Certificate is part of the group Policy but by itself is not a policy. This Certificate replaces any other Certificates we may have given you under the Policy. Your coverage may be changed under the terms and conditions of the Policy. The Policy is delivered in and is governed by the laws of the governing jurisdiction and to the extent applicable by the Employee Retirement Income Security Act of 1974 (ERISA) and any amendments. Your rights and benefits under the Policy will not be less than those stated in your Certificate. For purposes of effective dates and ending dates under the Policy, all days begin at 12:01 a.m. standard time at the Policyholder's address and end at 12:00 midnight standard time at the Policyholder's address. In this Certificate, “you” and “your” refer to an Employee who is eligible for coverage under the Policy; “we”, “us” and “our” refer to ReliaStar Life Insurance Company. READ THIS CERTIFICATE CAREFULLY! Insurance benefits may be subject to certain requirements, reductions, limitations and exclusions. GROUP TERM LIFE INSURANCE Term life insurance provides a benefit to a named beneficiary upon the death of a person insured under a policy, with benefits payable only if a loss occurs within its term. Group insurance covers a group of persons under a single policy issued to a group policyholder. Signed for ReliaStar Life Insurance Company at its home office in Minneapolis, Minnesota on the Policy effective date. GROUP TERM LIFE INSURANCE CERTIFICATE RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 Claims: 888-238-4840 Customer Service: 800-955-7736 www.voya.com POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 POLICY EFFECTIVE DATE: January 1, 2026 POLICY ANNIVERSARY DATE: January 1 GOVERNING JURISDICTION: Indiana Premiums for Basic life insurance are Noncontributory by insured Employees. Premiums for Supplemental life insurance are Contributory by insured Employees. Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

ICC18 LC14GP-2 2 D12995 (11/25) Policyholder’s Contact Information: Noblesville Schools, 18025 River Road, Noblesville, Indiana 46062 Indiana Insurance Department Phone Number: (317) 232-2385 Florida Residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida. TABLE OF CONTENTS Section page Cover Page..................................................................................................................................... 1 Table of Contents............................................................................................................................ 2 Schedule of Benefits....................................................................................................................... 3 Definitions....................................................................................................................................... 5 General Provisions.......................................................................................................................... 7 Life Insurance Benefits.................................................................................................................... 13 Exclusions and Limitations.............................................................................................................. 15

ICC18 LC14GP-2 3 D12995 (11/25) ELIGIBLE CLASS(ES) All Other Full-Time Certified or Central Office Classified Staff Employees not covered in Class 1 in Active Employment with the Employer in the United States. All Eligible Retirees who are receiving retirement benefits under an eligible retirement plan sponsored by the Employer. You must be an Employee of the Employer and in an eligible class. Temporary and seasonal workers are excluded from coverage. MINIMUM HOURS REQUIREMENT All Eligible Employees: 30 hours per week. Retirees: None ELIGIBILITY WAITING PERIOD Persons in an eligible class on or before the Policy effective date: End of month in which You begin Active Employment Persons entering an eligible class after the Policy effective date: End of month in which You begin Active Employment All Eligible Retirees: None REHIRE If your employment with the Employer ends and you are rehired within 90 days, your previous Active Employment while in an eligible class will apply toward the Eligibility Waiting Period. All other Policy and Certificate provisions apply. BASIC LIFE INSURANCE Basic life insurance is Noncontributory by Employees. Eligible Class(es) Amount All Eligible Employees $50,000 MAXIMUM AMOUNT OF BASIC LIFE INSURANCE $50,000 SCHEDULE OF BENEFITS EMPLOYER(S): Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 Refer to the attached “Schedule of Benefits” document(s).

ICC18 LC14GP-2 4 D12995 (11/25) SUPPLEMENTAL LIFE INSURANCE Supplemental life insurance is Contributory by Employees. Eligible Class(es) Amount All Eligible Employees Choice of $10,000 to $500,000 in $10,000 increments MAXIMUM AMOUNT OF SUPPLEMENTAL LIFE INSURANCE $500,000 not to exceed 5 times your Basic Yearly Earnings BENEFIT REDUCTIONS Basic life insurance Your insurance amount will decrease as follows:  To 67% of the original amount on your 70th birthday.  To 45% of the original amount on your 75th birthday. Supplemental life insurance Your insurance amount will decrease as follows:  To 45% of the original amount on your 70th birthday.  To 30% of the original amount on your 75th birthday.  To 20% of the original amount on your 80th birthday.  To 15% of the original amount on your 85th birthday.  To 10% of the original amount on your 90th birthday. Reduced insurance amounts are not rounded. Retiree coverage does not reduce.

ICC18 LC14GP-2 5 D12995 (11/25) Active Employment or Active Employee means you are working for the Employer for earnings that are paid regularly and you are performing the material and substantial duties of your regular occupation. You must be working at least the minimum number of hours as described under the MINIMUM HOURS REQUIREMENT shown in the SCHEDULE OF BENEFITS. Your work site must be one of the following:  The Employer's usual place of business;  An alternative work site at the direction of the Employer, including your home; or  A location to which your job requires you to travel. Normal vacation is considered Active Employment. Temporary and seasonal workers are excluded from coverage. Basic Yearly Earnings means the yearly salary or wage you receive for work done for the Employer as of the later of the Policy effective date, or the immediately preceding Policy anniversary date, or your hire date. It does not include bonuses, commissions or overtime pay. Beneficiary means the person(s) or entity to whom we will pay the life insurance benefits in accordance with the BENEFICIARY and PAYMENT OF PROCEEDS provisions. Certificate means this document that describes the benefits and rights of insured Employees under the Policy. It may include riders, endorsements or amendments. Contributory means insurance for which insured Employees are required to pay any part of the Premium. Eligibility Waiting Period means the continuous period of time (shown in the SCHEDULE OF BENEFITS) that you must be in Active Employment in an eligible class before you are eligible for coverage under the Policy. Employee means a person who is a citizen or legal resident of the United States, including its territories and possessions, and who is in Active Employment with the Employer in the United States. The term includes a Class 4, Class 5 or Class 6 Retiree. Employer means the Policyholder and includes any division, subsidiary or affiliated company named in the Policy. Evidence of Insurability means your affirmation, on a form acceptable to us, of various factors that we will use to determine if you are approved for coverage. Those factors may include, but are not limited to, your medical history and treatment, driving record, and/or family medical history. We may also, at our expense, request additional information to determine your eligibility for coverage. Noncontributory means insurance for which insured Employees are not required to pay any part of the Premium. Policy means the Written group insurance contract between us and the Policyholder, including the Certificates issued to insured Employees. It may include riders, endorsements or amendments. Policyholder means the entity to whom the Policy is issued, as shown on the first page of this Certificate. Premium(s) means the amount the Policyholder and/or you must pay to us for the insurance provided under the Policy. Retiree means a person who is receiving retirement benefits under an eligible retirement plan sponsored by the Employer. DEFINITIONS

ICC18 LC14GP-2 6 D12995 (11/25) Signed means any symbol or method executed or adopted by a person with the present intention to authenticate a record, and which is on or transmitted by paper, electronic or telephonic media, and which is consistent with applicable law. Total Disability or Totally Disabled means that due to an injury or sickness you are unable to perform the material duties of your regular job, and you are unable to perform any other job for which you are fit by education, training or experience. Written or Writing means a record which is on or transmitted by paper, electronic or telephonic media, and which is consistent with applicable law.

ICC18 LC14GP-2 7 D12995 (11/25) GENERAL PROVISIONS ELIGIBILITY If you are an Employee in an eligible class (shown on the SCHEDULE OF BENEFITS), the date you are eligible for coverage is the later of the following:  The Policy effective date.  The day after you complete your Eligibility Waiting Period. ENROLLMENT If you are eligible for Contributory coverage, you must enroll for any Contributory coverage before it will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment. You may need to provide Evidence of Insurability, as described below. No enrollment is required if the Policy replaces a group policy issued by us or by another insurance company, and you were covered under the prior policy on the day before that policy was replaced by our Policy. The amount of Contributory coverage that becomes effective on our Policy effective date will be at the same level as under the prior policy, subject to the terms of our Policy including any maximum coverage amounts under our Policy. EVIDENCE OF INSURABILITY Evidence of Insurability is required for coverage under the conditions described below. Coverage is subject to the Evidence of Insurability requirements that are in force on the effective date of coverage. Any increase to coverage is subject to the Evidence of Insurability requirements that are in force on the effective date of the increase. We must approve any required Evidence of Insurability before coverage becomes effective. Basic Life Insurance Evidence Required Coverage on the Policy effective date continued from the Employer's prior Policy… Any amount exceeding the lesser of the most recent coverage from the Employer's prior Policy or the plan maximum Initial eligibility under the Employer's plan for basic coverage on or after the Policy effective date… Evidence is not required for any amount less than or equal to the plan maximum Increases due to salary, job or class changes… Evidence is not required for any increase in which the total Basic Life Insurance amount is less than or equal to the plan maximum Supplemental Life Insurance Evidence Required Coverage on the Policy effective date continued from the Employer's prior Policy… Any amount exceeding the lesser of the most recent coverage from the Employer's prior Policy or the plan maximum Initial eligibility under the Employer's plan for supplemental coverage on or after the Policy effective date… Any amount exceeding $300,000

ICC18 LC14GP-2 8 D12995 (11/25) Enrollment for supplemental coverage on the Policy effective date, for employees who had supplemental coverage under the Employer's prior Policy… Any amount of total Supplemental Life Insurance exceeding $300,000 Enrollment for supplemental coverage on the Policy effective date, for employees who had no supplemental coverage under the Employer's prior Policy… Any amount exceeding $300,000 Enrollment at a scheduled annual enrollment period after the Policy effective date for an increase to existing supplemental coverage… Any amount of total Supplemental Life Insurance exceeding $300,000 Enrollment at a scheduled annual enrollment period after the Policy effective date for initial supplemental coverage… All amounts Enrollment within 31 days after a change in family status as documented and approved by the Employer and valid during this enrollment… Any amount of total Supplemental Life Insurance exceeding $300,000 Any new or increased supplemental coverage not described above, including enrollments more than 31 days after initial eligibility… All increased amounts EFFECTIVE DATE OF COVERAGE For Noncontributory coverage, you will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date you are eligible for coverage. For Contributory coverage, you will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date you are eligible for coverage, if you enroll for coverage on or before that date.  The date you enroll for coverage.  The date we approve your Evidence of Insurability, if Evidence of Insurability is required.  The date you return to Active Employment, if you are not in Active Employment when your coverage would otherwise become effective. Exception: Coverage starts on a non-working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences.

ICC18 LC14GP-2 9 D12995 (11/25) EFFECTIVE DATE OF CHANGES TO COVERAGE Once your coverage begins, any increased or additional Contributory coverage will take effect on the latest of the following:  The date of the increased or additional coverage, if you are in Active Employment.  The date you return to Active Employment, if you are not in Active Employment on the date the increased or additional coverage would otherwise start.  The date we approve your Evidence of Insurability, if Evidence of Insurability is required. Any decrease in coverage other than benefit reductions noted on the SCHEDULE OF BENEFITS will take effect immediately but will not affect a payable claim that occurs prior to the decrease. CHANGE OF INSURANCE CARRIERS We will provide continuity of coverage under our Policy if both of the following are true:  You are not in Active Employment due to sickness or injury or due to an Employer-approved non-medical leave of absence on the date the Employer changes insurance carriers to our Policy.  You were covered under the prior group life policy, including payment of premiums to the prior insurance carrier when due, on the day before the coverage for your eligible class under our Policy became effective. You are not eligible under this provision if any of the following are true:  Your coverage is being continued under a waiver of premium (or any similar) provision of the prior policy.  Your coverage is being continued under a continuation or portability provision of the prior policy.  You converted your coverage with the prior insurance carrier.  You are not in Active Employment due to reasons other than sickness, injury or an Employer-approved non- medical leave of absence. If you are eligible for continuity of coverage under this provision, we will provide limited coverage under our Policy. Coverage under this provision will begin on the date your eligible class is covered under our Policy and will continue until the earliest of the following:  The date you return to Active Employment.  The date the Employer-approved leave of absence ends.  The date your continuation would end under the terms of our Policy.  The date your continuation would have ended under the terms of the prior policy.  The date coverage would otherwise end, according to the provisions of our Policy.  12 months following the date you were last in Active Employment. Your coverage under this provision is subject to payment of Premiums. Any benefits payable under this provision will be the lesser of the amount of coverage under the prior policy had it remained in force, or the amount you are eligible for under our Policy. We will reduce our payment by any amount paid under the prior policy. If your coverage under this provision ends while the Policy is in force, and you are not otherwise eligible for insurance under the Policy, then you will be eligible for conversion as described in the CONVERSION provision. If you were not covered under the Employer's prior policy on the date that policy terminated, then the EFFECTIVE DATE OF COVERAGE provision will apply.

ICC18 LC14GP-2 10 D12995 (11/25) TERMINATION OF COVERAGE Your coverage under the Policy ends on the earliest of the following dates:  The date the Policy terminates.  The date coverage for all Active Employees under the Policy terminates.  The date you are no longer in an eligible class.  The date your eligible class is no longer covered.  The date you voluntarily cancel your Contributory coverage, as allowed by the Employer.  The end of the period for which Premiums are paid if the next Premium is not paid by its due date, subject to the Policy grace period.  The last day you are in Active Employment. We will pay benefits for a loss that occurs while you are covered under the Policy. This does not apply to Retirees. CONVERSION You may convert your life insurance, without Evidence of Insurability, to an individual life insurance policy if any part of your life insurance under the Policy stops for one of the following reasons:  Your coverage ends according to the TERMINATION OF COVERAGE provision other than your voluntary cancellation of your Contributory coverage.  Any continuation of insurance under the Policy ends.  Your coverage reduces due to BENEFIT REDUCTIONS as described on the SCHEDULE OF BENEFITS.  Your coverage reduces due to your change from one eligible class to another.  Your coverage reduces due to a Policy change. Only life insurance is eligible for conversion. The maximum amount of life insurance you are eligible to convert cannot be greater than the amount of life insurance you had prior to termination. Conversion does not include any additional benefits such as accelerated death benefits, accidental death and dismemberment benefits, or waiver of premium benefits. Any amounts of coverage for which you remain eligible under the Policy are not eligible for conversion. To convert your life insurance, you must apply and pay the first premium to us within 31 days of the date any part of your life insurance under the Policy terminates (the “conversion period”). You will be given Written notice, in person or at your last known address, of your conversion right at least 15 days before the date any part of your life insurance ends. Your right to convert will expire on the later of 16 days after you are given such notice or the end of the conversion period, but in no event will your right to convert extend beyond 60 days after the expiration of the conversion period. Any extension of time allowed for returning the completed application and first premium will not change the length of the conversion period itself. You may apply to convert the entire amount of life insurance that is terminating under the Policy, or a lesser amount. The maximum amount of life insurance coverage you are eligible to convert will be reduced by any amount of life insurance for which you become eligible under any group policy within 31 days after the beginning of the conversion period. Premiums for the conversion policy will be based on our rates then in use, the form and amount of insurance, your class of risk, and your attained age at the beginning of the conversion period. The conversion policy may be any individual life insurance policy then customarily offered by us for conversion, other than term insurance. The conversion policy will not include any additional benefits. When we accept your application and first premium, the conversion policy will become effective on the 32nd day after the date the life insurance under the Policy terminated. During the conversion period, your life insurance will continue under the terms of the Policy. If you die within the conversion period, any life insurance amount that you were entitled to convert will be payable as a death benefit under the Policy and any premiums paid for conversion will be refunded to the Beneficiary. If you have made an absolute assignment of your insurance, only the current owner may apply for conversion.

ICC18 LC14GP-2 11 D12995 (11/25) INCONTESTABILITY Any statement made by you is considered a representation and not a warranty. We will not use such statement to avoid insurance, reduce benefits or defend a claim unless the statement is included in a Written statement of insurability which has been Signed by you and a copy of such statement of insurability has been given to you or to the Beneficiary. Except for fraud, we will not use such statement relating to insurability to contest life insurance after it has been in force for two years during your lifetime. Except for fraud, we will not use such statement to contest an increase or benefit addition to such insurance, after the increase or benefit has been in force for two years during your lifetime. 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 when 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 us or by the Policyholder will not:  Prevent you from receiving coverage, 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. 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. An error will not end insurance validly in effect, nor will it continue insurance validly ended. MISSTATEMENT OF AGE If Premiums are based on your age and you have misstated your age, then your correct age will be used to determine if insurance is in effect and, as appropriate, the Premium and/or benefits will be adjusted. We may require satisfactory proof of your age before paying any claim. ASSIGNMENT You may make an absolute assignment of ownership of your insurance under the Policy to any person or entity by sending us Written notice on a form that we accept. An absolute assignment transfers all your duties, rights, title and interest under the Policy to the new owner. The new owner can make any changes allowed under the Policy and Certificate. An absolute assignment form is available from the Employer or us. Any assignment form must be Signed by both the current owner and the new owner. The Signed form must be received and accepted by us in order to be valid. An accepted assignment will take effect on the date the form is Signed by you, unless otherwise specified in the Signed form. An assignment does not affect any payment we make or action we take before receiving the Signed form. An assignment does not change the insurance or the Beneficiary designation. If you want to continue an absolute assignment made under the Employer’s prior group life insurance policy, a statement of intent form is available from the Employer or us. The form must be Signed by both you and the assignee. The Signed form must be received and accepted by us in order to be valid. A statement of intent does not affect any payment we make or action we take before receiving the Signed form. A statement of intent does not change the insurance or the Beneficiary designation. We assume no responsibility for the validity of any assignment. You are responsible to see that the assignment is legal in your state and that it accomplishes the goals that you intend. BENEFICIARY The Beneficiary is named by you to receive any proceeds payable at your death. While your coverage is in force, you may change the Beneficiary designation by Written request on a form that is acceptable to us. A Beneficiary designation form is available from the Employer or us. An accepted designation will take effect as of the date it is Signed, unless you specify otherwise in the Signed designation, but will not affect any payment we make or action we

ICC18 LC14GP-2 12 D12995 (11/25) take before receiving the Signed form. If you have made an absolute assignment of your insurance, only the current owner may change the Beneficiary designation. If an irrevocable Beneficiary is named, the Beneficiary designation can only be changed with the consent of the irrevocable Beneficiary. There can be one or more Beneficiaries. If two or more Beneficiaries are named and their shares are not specified in the Beneficiary designation, then the Beneficiaries will share any insurance proceeds equally. If a primary Beneficiary does not survive you, their share will be payable to the remaining primary Beneficiaries. One or more contingent Beneficiaries may be named to receive the proceeds in the event that all of the primary Beneficiaries named do not survive you. Please refer to the LIFE INSURANCE BENEFITS section of the Certificate for information about payment. 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. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This Certificate was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this Certificate which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date. ENTIRE CONTRACT Coverage for insured Employees is provided under a contract of group term insurance between us and the Policyholder. The entire contract consists of all of the following:  The Policy issued to the Policyholder including Part A and Part B.  The Certificates which are made part of Part B under the Policy.  Any riders, endorsements and/or amendments issued.  The Policyholder's Signed application, a copy of which is attached to the Policy when issued. CHANGES TO POLICY OR CERTIFICATE The terms and provisions of the Policy and this Certificate may be changed at any time without the consent of you or anyone else with a beneficial interest in the Policy. We will issue riders, endorsements or amendments to effect such changes, and only those forms Signed by one of our executive officers will be valid. We will only make changes consistent with the standards of the Interstate Insurance Product Regulation Commission or the applicable regulatory body in the governing jurisdiction. We will provide a copy of the rider, endorsement or amendment to the Policyholder for attachment to the Policy, and also for the Employees if the change affects the Certificate(s). Riders, endorsements and amendments are subject to prior approval by the Interstate Insurance Product Regulation Commission or the appropriate regulatory body in the governing jurisdiction. A rider, endorsement or amendment will not affect the insurance provided under the Certificate(s) until the effective date of the change, unless retroactivity is required by the applicable regulatory body. No agent, representative or employee of ours or of any other entity, except one of our executive officers, may approve a change to or waive the terms of the Policy.

ICC18 LC14GP-2 13 D12995 (11/25) We pay a death benefit to the Beneficiary if we receive Written proof that you died while your insurance under the Policy is in force. The death benefit is the amount of life insurance for your class as shown on the SCHEDULE OF BENEFITS in effect on the date of your death minus any amount paid under the Accelerated Death Benefit Rider. NOTICE OF CLAIM AND PROOF OF LOSS A claim form is available from the Employer or us. The process for completing the claim form and submitting the claim form will be explained in the claim form paperwork. Proof of loss, including any attachments indicated on the claim form as required, should be sent directly to us at the address indicated on the form. We may also require information from the Employer in order to verify eligibility. Proof of loss consists of a certified copy of your death certificate or other lawful evidence providing equivalent information, and proof of the claimant’s interest in the proceeds. We will review the claim and proof of loss we receive in order to determine our liability and the correct payee(s). If we approve the claim, we will pay the benefits subject to the terms of this Certificate. AUTOPSY We reserve the right to make a reasonable request for an autopsy at our expense where permitted by law. PAYMENT OF PROCEEDS To be eligible to receive proceeds, the Beneficiary must be living on the date of your death. If there is no eligible Beneficiary, we will pay the proceeds to the first survivor(s), who is living on the date of your death, in the following order: 1. Your spouse. 2. Your natural and adopted children. 3. Your parents. 4. Your estate. If the Beneficiary or survivor is eligible to receive proceeds but dies before receiving them, we will pay the proceeds to that person’s estate. “Spouse” means your lawful spouse. We will pay the death benefit to the Beneficiary in one sum or in a method comparable to one sum. Other methods of payment may be made available to the Beneficiary at the time of claim. Any payment we make in good faith will discharge our liability to the extent of such payment. PAYMENT OF INTEREST We pay interest on the death benefit proceeds, accruing from the date of your death up to the date of payment. The minimum interest rate payable will be the interest rate applicable for funds left on deposit with us as of the date of death. Interest will accrue at an annual rate of 10% plus the interest rate applicable for funds left on deposit beginning with the date that is 31 calendar days from the latest of the dates below and continuing up to the date of payment:  The date we receive due proof of loss following death.  The date we receive sufficient information to determine our liability, the extent of our liability, and the appropriate payee legally entitled to the proceeds.  The date that legal impediments to payment of proceeds that depend on the action of parties other than us are resolved and sufficient evidence of this resolution is provided to us. Legal impediments to payment include but are not limited to: the establishment of guardianships and conservatorships; the appointment and qualification of trustees, executors and administrators; and the submission of information required to satisfy state or federal reporting requirements. LIFE INSURANCE BENEFITS

ICC18 LC14GP-2 14 D12995 (11/25) LEGAL ACTION The time period during which any person can start legal action regarding any claim under the Policy is subject to applicable law in the governing jurisdiction. Nothing in this provision waives, extends or tolls any applicable statute of limitations governing any claim relating in any way to your coverage. DENIALS AND APPEALS FOR PLANS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 (ERISA) If we deny a claim in whole or in part (an “adverse benefit determination”), we will provide Written notice of the adverse benefit determination to the claimant as soon as possible, but no more than 90 days after receipt of the claim unless an extension is needed. An extension of 90 days will be allowed for processing the claim if special circumstances are involved. The claimant will be given notice of any such extension before the end of the initial 90-day period. The notice will state the special circumstances involved and the date a decision is expected. If an extension is needed due to the claimant’s failure to submit information necessary to decide a claim, the extension period will be tolled from the date on which notification of the extension is sent to the claimant until the date on which the claimant responds to the request for additional information. A notice of an adverse benefit determination will be Written in an understandable manner and include the following:  The specific reason(s) for the adverse benefit determination.  Reference to the specific provision on which the determination is based.  A description of additional information, if any, which would enable a claimant to receive the benefits sought and an explanation of why it is needed.  A description of the claim review procedure and the time limits applicable to such procedures, including a statement of the claimant’s right to bring a civil action following an adverse benefit determination on review. The claimant may request a review of an adverse benefit determination (an “appeal”) at any time during the 60 day period following receipt of the notice of the determination. We will consider an appeal upon Written application of the claimant or his or her duly authorized representative. As part of the appeal the claimant also has the right, upon request and free of charge, to reasonable access to and copies of all documents, records and other information relevant to the claimant’s claim for benefits. The claimant may, in the course of this appeal, review relevant documents and submit to us Written comments, documents, records and other information relevant to the claimant’s claim for benefits. Following our review of the appeal, we will provide the claimant with a Written decision of the final determination of the claim. This decision will be issued as soon as possible, but no more than 60 days after the receipt of the appeal unless an extension is needed. An extension of 60 days will be allowed for making this decision if special circumstances are present. The claimant will be given notice of any such extension before the end of the 60-day period. The notice will state the special circumstances involved and the date a decision is expected. If an extension is needed due to the claimant’s failure to submit information necessary to decide a claim, the extension period will be tolled from the date on which notification of the extension is sent to the claimant until the date on which the claimant responds to the request for additional information. If we send an adverse benefit determination following our review of the appeal, the notice of the determination will be Written in an understandable manner and include the following:  The specific reason(s) for the adverse benefit determination.  Reference to the specific provision on which the determination is based.  A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant to the claimant’s claim for benefits.  A statement of the claimant’s right to bring a civil action.

ICC18 LC14GP-2 15 D12995 (11/25) EXCLUSIONS AND LIMITATIONS For Noncontributory life insurance, we pay a death benefit for all causes of death. For Supplemental Contributory life insurance, if you commit suicide while sane or insane within two years of the date your insurance starts, we will refund to the Beneficiary any Premiums paid instead of paying a death benefit. The two year period includes the period you were continuously covered under the Policy and any previous group term life policy(ies) issued to the Policyholder during your lifetime. If you commit suicide while sane or insane within two years from the date an increase in Supplemental Contributory life insurance (other than a scheduled or automatic increase) became effective, we will pay a death benefit for the amount of insurance that was effective before the increase. We will refund to the Beneficiary any Premiums paid for the increased amount of insurance.

ICC18 LR14GP-SPR-2 1 SPR-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate and is subject to all of the provisions, limitations and exclusions of the Policy and Certificate, unless changed by this rider. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. SUPPLEMENTAL SPOUSE LIFE INSURANCE Supplemental Spouse life insurance is Contributory by Employees. MAXIMUM AMOUNT OF SUPPLEMENTAL SPOUSE LIFE INSURANCE $250,000 not to exceed 50% of the Supplemental Employee life insurance amount in force BENEFIT REDUCTIONS The Spouse insurance amount will decrease as follows:  To 45% of the original amount on your 70th birthday.  To 30% of the original amount on your 75th birthday.  To 20% of the original amount on your 80th birthday.  To 15% of the original amount on your 85th birthday.  To 10% of the original amount on your 90th birthday. Reduced insurance amounts are not rounded. SPOUSE LIFE INSURANCE RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 CONTENTS Schedule of Benefits................................................ page 1 Definitions................................................................ page 2 General Provisions................................................... page 2 Life Insurance Benefits............................................. page 7 Exclusions and Limitations....................................... page 8 SCHEDULE OF BENEFITS Eligible Class(es) Amount Spouse Choice of $5,000 to $250,000 in $5,000 increments

ICC18 LR14GP-SPR-2 2 SPR-12995 (11/25) DEFINITIONS Evidence of Insurability means your Spouse’s affirmation, on a form acceptable to us, of various factors that we will use to determine if your Spouse’s coverage is approved. Those factors may include, but are not limited to, your Spouse’s medical history and treatment, driving record, and/or family medical history. If we need more information, any costs will be at our expense. Spouse means your lawful spouse. The person must also meet all of the following:  Not be on full-time active duty in the armed forces of any country or subdivision thereof.  Legally reside in the United States or its territories or possessions.  Not be insured under the Policy as an Employee. GENERAL PROVISIONS ELIGIBILITY If you are covered under the Policy, then your Spouse is eligible under this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date.  The date of your marriage. If your Spouse is covered under the Policy as an Employee, then your Spouse is not eligible for coverage under this rider. ENROLLMENT If you have a Spouse eligible for coverage, you must enroll for Contributory Spouse coverage before Contributory coverage will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment. No enrollment is required if the Policy replaces a group policy issued by us or by another insurance company, and your Spouse was covered under the prior policy on the day before that policy was replaced by our Policy. The amount of Contributory coverage on your Spouse that becomes effective on our Policy effective date will be at the same level as under the prior policy, subject to the terms of our Policy including any maximum coverage amounts under our Policy. You may need to provide Evidence of Insurability on your Spouse, as described below. EVIDENCE OF INSURABILITY Evidence of Insurability is required for coverage under the conditions described below. Coverage is subject to the Evidence of Insurability requirements that are in force on the effective date of coverage. Any increase to coverage is subject to the Evidence of Insurability requirements that are in force on the effective date of the increase. We must approve any required Evidence of Insurability before coverage becomes effective. Supplemental Spouse Life Insurance Evidence Required Coverage on the Policy effective date continued from the Employer's prior Policy… Any amount exceeding the lesser of the most recent coverage from the Employer's prior Policy or the plan maximum Initial eligibility under the Employer's plan for supplemental spouse coverage on or after the Policy effective date… Evidence is not required for any amount less than or equal to the plan maximum

ICC18 LR14GP-SPR-2 3 SPR-12995 (11/25) Enrollment for supplemental spouse coverage on the Policy effective date, for employees who had supplemental spouse coverage under the Employer's prior Policy… Any amount of total Supplemental Spouse Life Insurance exceeding $50,000 Enrollment for supplemental spouse coverage on the Policy effective date, for employees who had no supplemental spouse coverage under the Employer's prior Policy… Any amount exceeding $50,000 Enrollment at a scheduled annual enrollment period after the Policy effective date for an increase to existing supplemental spouse coverage… Any total Supplemental Spouse Life Insurance exceeding $50,000 Enrollment at a scheduled annual enrollment period after the Policy effective date for initial supplemental spouse coverage… All amounts Enrollment within 31 days after a change in family status as documented and approved by the Employer and valid during this enrollment… Any total Supplemental Spouse Life Insurance exceeding $50,000 Any new or increased supplemental spouse coverage not described above, including enrollments more than 31 days after initial eligibility… All increased amounts EFFECTIVE DATE OF COVERAGE Your Spouse will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date your Spouse is eligible for coverage, if you enroll for Spouse coverage on or before that date.  The date you enroll for Spouse coverage.  The date we approve your Spouse’s Evidence of Insurability, if Evidence of Insurability is required.  The date you return to Active Employment, if you are not in Active Employment when your Spouse’s coverage would otherwise become effective. Exception: Coverage starts on a non-working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences.  The date your Spouse is no longer hospitalized, or confined at home under a doctor’s care, or receiving or applying to receive disability benefits from any source, if any of these conditions are true on the date your Spouse’s coverage would otherwise become effective.

ICC18 LR14GP-SPR-2 4 SPR-12995 (11/25) EFFECTIVE DATE OF CHANGES TO COVERAGE Once your Spouse’s coverage begins, any increased or additional Contributory coverage will take effect on the latest of the following:  The date of the increased or additional coverage, if you are in Active Employment.  The date you return to Active Employment, if you are not in Active Employment on the date the increased or additional coverage would otherwise start.  The date we approve your Spouse’s Evidence of Insurability, if Evidence of Insurability is required.  The date your Spouse is no longer hospitalized, or confined at home under a doctor’s care, or receiving or applying to receive disability benefits from any source, if any of these conditions are true on the date the increased or additional coverage would otherwise start. Any decrease in coverage other than benefit reductions noted on the SCHEDULE OF BENEFITS will take effect immediately but will not affect a payable claim that occurs prior to the decrease. CHANGE OF INSURANCE CARRIERS If your coverage is being provided under the CHANGE OF INSURANCE CARRIERS provision in the Certificate, then we will also provide continuity of Spouse coverage under the same conditions and for the same duration. Any benefits payable under this provision will be the lesser of the amount of coverage under the prior policy had it remained in force, or the amount of eligible Spouse coverage under our Policy. We will reduce our payment by any amount paid under the prior policy. If Spouse coverage under this provision ends while the Policy is in force, and your Spouse is not otherwise eligible for insurance under the Policy, then your Spouse coverage will be eligible for conversion as described in the CONVERSION provision. If your Spouse was not covered under the Employer's prior policy on the date that policy terminated, then the EFFECTIVE DATE OF COVERAGE provision will apply. SPOUSE ACTIVE MILITARY DUTY If your Spouse is insured under this rider and your Spouse begins full-time active duty in the armed forces of any country or subdivision thereof, then you should notify the Policyholder to cancel this rider. Coverage under this rider will terminate at the beginning of the period during which your Spouse is no longer eligible, and any unearned Premiums that were collected will be refunded. If your Spouse’s full time active military duty ends, then Spouse coverage under this rider will become effective on the date your Spouse is again eligible for coverage. If your Spouse’s full-time active military duty ends, then you may re-enroll for Contributory Spouse coverage under this rider subject to the following:  If you re-enroll for Contributory Spouse coverage within 2 months of the date your Spouse is again eligible for coverage, then the maximum amount of Contributory Spouse coverage available will be the lesser of the amount that was in effect on the day before coverage ended and the then current maximum amount of Contributory Spouse coverage available under this rider. Contributory Spouse coverage will become effective on the later of the following:  The date you re-enroll for Contributory Spouse coverage, if you are in Active Employment.  The date your Spouse is not hospitalized or confined at home under a doctor’s care.  The date your Spouse is not receiving or applying to receive disability benefits from any source.  The date you return to Active Employment, if you are not in Active Employment when your Contributory Spouse coverage would otherwise become effective. Exception: Contributory coverage starts on a non- working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences.  If you re-enroll for Contributory Spouse coverage more than 2 months after your Spouse is again eligible for coverage, then Evidence of Insurability on your Spouse will be required. If Evidence of Insurability is approved by us, Contributory Spouse coverage will become effective on the date specified by us.

ICC18 LR14GP-SPR-2 5 SPR-12995 (11/25) SPOUSE CHANGE OF LEGAL RESIDENCE If your Spouse is insured under this rider and your Spouse changes their legal residence to outside the United States or its territories or possessions, then you should notify the Policyholder to cancel this rider. Coverage under this rider will terminate at the beginning of the period during which your Spouse is no longer eligible, and any unearned Premiums that were collected will be refunded. If your Spouse resumes legal residence in the United State or its territories or possessions, then Spouse coverage under this rider will become effective on the date your Spouse is again eligible for coverage. If your Spouse resumes legal residence in the United States or its territories or possessions, then you may re-enroll for Contributory Spouse coverage this rider subject to the following:  If you re-enroll for Contributory Spouse coverage within 2 months of the date your Spouse is again eligible for coverage, then the maximum amount of Contributory Spouse coverage available will be the lesser of the amount that was in effect on the day before coverage ended and the then current maximum amount of Contributory Spouse coverage available under this rider. Contributory Spouse coverage will become effective on the later of the following:  The date you re-enroll for Contributory Spouse coverage, if you are in Active Employment.  The date your Spouse is not hospitalized or confined at home under a doctor’s care.  The date your Spouse is not receiving or applying to receive disability benefits from any source.  The date you return to Active Employment, if you are not in Active Employment when your Contributory Spouse coverage would otherwise become effective. Exception: Contributory coverage starts on a non- working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences.  If you re-enroll for Contributory Spouse coverage more than 2 months after your Spouse is again eligible for coverage, then Evidence of Insurability on your Spouse will be required. If Evidence of Insurability is approved by us, Contributory Spouse coverage will become effective on the date specified by us. TERMINATION OF COVERAGE This rider terminates on the earliest of the following:  The date your life insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong.  The date you voluntarily cancel this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  The date your Spouse is no longer an eligible Spouse as defined by this rider.  The end of the period for which Premiums for this rider are paid if the next Premium is not paid by its due date, subject to the Policy grace period. We will pay benefits for a loss that occurs while your Spouse is insured under this rider. CONVERSION You may convert Spouse life insurance, without Evidence of Insurability, to an individual life insurance policy if Spouse life insurance under this rider stops for any reason other than nonpayment of Premium, your voluntary cancellation of this rider, your Spouse ceasing to be an eligible Spouse as defined, or your death. You may also convert any part of Spouse life insurance that reduces due to a BENEFIT REDUCTION as described on the SCHEDULE OF BENEFITS or your change from one eligible class to another or a Policy change. If you have made an absolute assignment of insurance, only the current owner may apply for conversion under this paragraph. Your Spouse may convert Spouse life insurance, without Evidence of Insurability, to an individual life insurance policy if Spouse life insurance under this rider stops because your Spouse is no longer an eligible Spouse as defined, or because of your death. Only life insurance is eligible for conversion. The maximum amount of life insurance eligible for conversion cannot be greater than the amount of Spouse life insurance you had prior to termination. Conversion does not include any

ICC18 LR14GP-SPR-2 6 SPR-12995 (11/25) additional benefits such as accelerated death benefits, accidental death and dismemberment benefits, or waiver of premium benefits. Any amounts of coverage for which your Spouse remains eligible under the Policy are not eligible for conversion. To convert Spouse life insurance, application must be made and the first premium paid to us within 31 days of the date any part of Spouse life insurance under this rider terminates (the “conversion period”). You will be given Written notice, in person or at your last known address, of your conversion right at least 15 days before the date any part of Spouse life insurance ends. Your right to convert will expire on the later of 16 days after you are given such notice or the end of the conversion period, but in no event will your right to convert extend beyond 60 days after the expiration of the conversion period. Any extension of time allowed for returning the completed application and first premium will not change the length of the conversion period itself. Application for conversion may be for the entire amount of Spouse life insurance that is terminating under this rider, or a lesser amount. The maximum amount of Spouse life insurance coverage eligible for conversion will be reduced by any amount of Spouse life insurance for which you become eligible under any group policy within 31 days after the beginning of the conversion period. Premiums for the conversion policy will be based on our rates then in use, the form and amount of insurance, your Spouse’s class of risk, and your Spouse’s attained age at the beginning of the conversion period. The conversion policy may be any individual life insurance policy then customarily offered by us for conversion, other than term insurance. The conversion policy will not include any additional benefits. When we accept the application and first premium, the conversion policy will become effective on the 32nd day after the date the life insurance under the Policy terminated. During the conversion period, Spouse life insurance will continue under the terms of this rider. If your Spouse dies within the conversion period, any life insurance amount that was eligible for conversion will be payable as a death benefit under the Policy and any premiums paid for conversion will be refunded to the Beneficiary. INCONTESTABILITY Any statement made by you or your Spouse is considered a representation and not a warranty. We will not use such statement to avoid insurance, reduce benefits or defend a claim unless the statement is included in a Written statement of insurability which has been Signed by you or your Spouse and a copy of such statement of insurability has been given to you or to the Beneficiary. Except for fraud, we will not use such statement relating to insurability to contest life insurance after it has been in force for two years during your Spouse’s lifetime. Except for fraud, we will not use such statement to contest an increase or benefit addition to such insurance, after the increase or benefit has been in force for two years during your Spouse’s lifetime. 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 when 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. BENEFICIARY You are the Beneficiary for proceeds that become payable at your Spouse’s death under this rider. If you have made an absolute assignment of your insurance, then during your lifetime the current owner is the Beneficiary. You, or the current owner if ownership was assigned, are automatically the Beneficiary for these proceeds and this designation may not be changed. See the Portability Rider for information about the eligible Beneficiary for continued coverage after your death or divorce. If the Beneficiary is not living on the date payment if made, benefits are payable to the Beneficiary’s estate. Please refer to the LIFE INSURANCE BENEFITS section for more information about payment. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date.

ICC18 LR14GP-SPR-2 7 SPR-12995 (11/25) LIFE INSURANCE BENEFITS We pay a death benefit to the Beneficiary if we receive Written proof that your Spouse died while Spouse insurance under this rider is in force. See the CONVERSION provision for information about death benefits payable during the conversion period following your death. The death benefit is the amount of Spouse life insurance for the eligible class as shown on the SCHEDULE OF BENEFITS in effect on the date of your Spouse’s death minus any amount paid under the Accelerated Death Benefit Rider. NOTICE OF CLAIM AND PROOF OF LOSS A claim form is available from the Employer or us. The process for completing the claim form and submitting the claim form will be explained in the claim form paperwork. Proof of loss, including any attachments indicated on the claim form as required, should be sent directly to us at the address indicated on the form. We may also require information from the Employer in order to verify eligibility. Proof of loss consists of a certified copy of your Spouse’s death certificate or other lawful evidence providing equivalent information, and proof of the claimant’s interest in the proceeds. We will review proof of loss we receive in order to determine our liability and the correct payee(s). If we approve the claim, we will pay the benefits subject to the terms of this rider. PAYMENT OF PROCEEDS To be eligible to receive proceeds, the Beneficiary must be living on the date of your Spouse’s death. Exception: If your Spouse dies during the conversion period following your death and you would otherwise have been the Beneficiary, we will pay the proceeds to your estate. If the Beneficiary is eligible to receive proceeds but dies before receiving them, we will pay the proceeds to the Beneficiary’s estate. We will pay the death benefit to the Beneficiary in one sum or in a method comparable to one sum. Other methods of payment may be made available to the Beneficiary at the time of claim. Any payment we make in good faith will discharge our liability to the extent of such payment. PAYMENT OF INTEREST We pay interest on the death benefit proceeds, accruing from the date of your Spouse’s death up to the date of payment. The minimum interest rate payable will be the interest rate applicable for funds left on deposit with us as of the date of death. Interest will accrue at an annual rate of 10% plus the interest rate applicable for funds left on deposit beginning with the date that is 31 calendar days from the latest of the dates below and continuing up to the date of payment:  The date we receive due proof of loss following death.  The date we receive sufficient information to determine our liability, the extent of our liability, and the appropriate payee legally entitled to the proceeds.  The date that legal impediments to payment of proceeds that depend on the action of parties other than us are resolved and sufficient evidence of this resolution is provided to us. Legal impediments to payment include but are not limited to: the establishment of guardianships and conservatorships; the appointment and qualification of trustees, executors and administrators; and the submission of information required to satisfy state or federal reporting requirements.

ICC18 LR14GP-SPR-2 8 SPR-12995 (11/25) EXCLUSIONS AND LIMITATIONS If your Spouse commits suicide while sane or insane within two years of the date Spouse insurance starts, we will refund to the Beneficiary any Premiums paid instead of paying a death benefit. The two year period includes the period your Spouse was continuously covered under this rider and any previous group term life policy issued to the Policyholder during your Spouse’s lifetime. If your Spouse commits suicide while sane or insane within two years from the date an increase in Supplemental Spouse life insurance (other than a scheduled or automatic increase) became effective, we will pay a death benefit for the amount of insurance that was effective before the increase. We will refund to the Beneficiary any Premiums paid for the increased amount of insurance. Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

ICC18 LR14GP-CHR-2 1 CHR-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate and is subject to all of the provisions, limitations and exclusions of the Policy and Certificate, unless changed by this rider. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. SUPPLEMENTAL CHILDREN’S LIFE INSURANCE Supplemental Children’s life insurance is Contributory by Employees. Eligible Class(es) Amount Child or Children Choice of $2,500 to $10,000 in $2,500 increments CHILDREN’S LIFE INSURANCE RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 CONTENTS Schedule of Benefits................................................ page 1 Definitions................................................................ page 2 General Provisions................................................ page 2 Life Insurance Benefits............................................. page 6 Exclusions and Limitations....................................... page 7 SCHEDULE OF BENEFITS MAXIMUM AMOUNT OF SUPPLEMENTAL CHILDREN’S LIFE INSURANCE $10,000 The Supplemental Children’s life insurance amount will not exceed the Supplemental Employee life insurance amount in force. You may not elect a higher amount of Supplemental Children’s life insurance than Supplemental Employee life insurance.

ICC18 LR14GP-CHR-2 2 CHR-12995 (11/25) DEFINITIONS Child or Children means a child from live birth but less than 26 years of age who is one of the following:  Your natural or adopted child (including a child placed for adoption).  Your stepchild.  Your foster child or a child or grandchild for whom you are a legal guardian. The child must also meet all of the following conditions:  Legally reside in the United States or its territories or possessions.  Not be insured under the Policy as an Employee or Spouse.  Not be insured by an individual policy that was issued under any conversion right of this rider. This definition includes your Child age 26 or older who is incapable of self-sustaining employment due to physical or intellectual disability. Written proof of the Child's incapacity must be furnished to us at our home office within 31 days after the Child reaches the limiting age. We may require, at reasonable intervals, but not more than once a year after the two year period following attainment of the limiting age, evidence satisfactory to us that the incapacity is continuing. Coverage will continue while the Child remains incapable of self-sustaining employment due to physical or intellectual disability and continues to meet the definition of Child except for the age limit. If the Child becomes capable of self- sustaining employment and proof of the Child’s incapacity can no longer be furnished to us, you may convert your Child’s life insurance to an individual life insurance policy as described in the CONVERSION provision of this rider. Evidence of Insurability means your affirmation, on a form acceptable to us, of various factors that we will use to determine if your Child’s coverage is approved. Those factors may include, but are not limited to, your Child’s medical history and treatment, driving record, and/or family medical history. If we need more information, any costs will be at our expense. GENERAL PROVISIONS ELIGIBILITY If you are covered under the Policy, then your Children are eligible under this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date.  The date you acquire a Child by marriage, birth or adoption. If your Child is covered under the Policy as an Employee, then your Child is not eligible for coverage under this rider. ENROLLMENT If you have a Child eligible for coverage, you must enroll for Contributory Children’s coverage before Contributory coverage will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment. No enrollment is required if the Policy replaces a group policy issued by us or by another insurance company, and your Children were covered under the prior policy on the day before that policy was replaced by our Policy. The amount of Contributory coverage on your Children that becomes effective on our Policy effective date will be at the same level as under the prior policy, subject to the terms of our Policy including any maximum coverage amounts under our Policy. You may need to provide Evidence of Insurability on your Children, as described below.

ICC18 LR14GP-CHR-2 3 CHR-12995 (11/25) EVIDENCE OF INSURABILITY Evidence of Insurability is required for coverage under the conditions described below. Coverage is subject to the Evidence of Insurability requirements that are in force on the effective date of coverage. Any increase to coverage is subject to the Evidence of Insurability requirements that are in force on the effective date of the increase. We must approve any required Evidence of Insurability before coverage becomes effective. When you have Children covered under this rider, then newly eligible Children will not require Evidence of Insurability. Supplemental Child Life Insurance Evidence Required Coverage on the Policy effective date continued from the Employer's prior Policy… Any amount exceeding the lesser of the most recent coverage from the Employer's prior Policy or the plan maximum Initial eligibility under the Employer's plan for supplemental children's coverage on or after the Policy effective date… Evidence is not required for any amount less than or equal to the plan maximum Enrollment for supplemental children's coverage on the Policy effective date, for employees who had supplemental children's coverage under the Employer's prior Policy… Evidence is not required for any amount less than or equal to the plan maximum Enrollment for supplemental children's coverage on the Policy effective date, for employees who had no supplemental children's coverage under the Employer's prior Policy… Evidence is not required for any amount less than or equal to the plan maximum Enrollment at a scheduled annual enrollment period after the Policy effective date for an increase to existing supplemental children's coverage… Evidence is not required for any increase in which the total Supplemental Children's Life Insurance amount is less than or equal to the plan maximum Enrollment at a scheduled annual enrollment period after the Policy effective date for initial supplemental children's coverage… Evidence is not required for any amount less than or equal to the plan maximum Enrollment within 31 days after a change in family status as documented and approved by the Employer and valid during this enrollment… Evidence is not required for any increase in which the total Supplemental Children's Life Insurance amount is less than or equal to the plan maximum Any new or increased supplemental children's coverage not described above, including enrollments more than 31 days after initial eligibility… Evidence is not required for any amount less than or equal to the plan maximum

ICC18 LR14GP-CHR-2 4 CHR-12995 (11/25) EFFECTIVE DATE OF COVERAGE Your Children will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date your Children are eligible for coverage, if you enroll for Children’s coverage on or before that date.  The date you enroll for Children’s coverage.  The date we approve each Child’s Evidence of Insurability, if Evidence of Insurability is required.  The date you return to Active Employment, if you are not in Active Employment when your Children’s coverage would otherwise become effective. Exception: Coverage starts on a non-working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences.  The date your Child is no longer hospitalized, or confined at home under a doctor’s care, or receiving or applying to receive disability benefits from any source, if any of these conditions are true on the date that Child’s coverage would otherwise become effective. Exception: This does not apply to a newborn. Your eligible newborn Child is automatically covered for the first 31 days after birth. This includes an adopted newborn Child who is placed with you within 31 days of birth. The coverage amount(s) will be the same as for your other eligible Children. If you do not already have Children’s coverage under this rider, then Contributory coverage for the newborn will be at the lowest level available. If you do not already have Children’s coverage under this rider, then Child coverage beyond the 31st day is subject to the conditions regarding application and Active Employment. If you have coverage under this rider and you acquire a new eligible Child due to birth, marriage or adoption, then the newly eligible Child will be covered automatically from the date of the event. If an adopted newborn Child is placed with you within 31 days of birth, the “event” will be the date of birth. If an adopted Child is placed with you more than 31 days after birth, the “event” will be the date of placement. No additional premium is required. EFFECTIVE DATE OF CHANGES TO COVERAGE Once your Children’s coverage begins, any increased or additional Contributory coverage will take effect on the latest of the following:  The date of the increased or additional coverage, if you are in Active Employment.  The date you return to Active Employment, if you are not in Active Employment on the date the increased or additional coverage would otherwise start.  The date we approve each Child’s Evidence of Insurability, if Evidence of Insurability is required.  The date your Child is no longer hospitalized, or confined at home under a doctor’s care, or receiving or applying to receive disability benefits from any source, if any of these conditions are true on the date that Child’s increased or additional coverage would otherwise start. Any decrease in coverage will take effect immediately but will not affect a payable claim that occurs prior to the decrease. CHANGE OF INSURANCE CARRIERS If your coverage is being provided under the CHANGE OF INSURANCE CARRIERS provision in the Certificate, then we will also provide continuity of Children’s coverage under the same conditions and for the same duration. Any benefits payable under this provision will be the lesser of the amount of coverage under the prior policy had it remained in force, or the amount of eligible Children’s coverage under our Policy. We will reduce our payment by any amount paid under the prior policy. If Children’s coverage under this provision ends while the Policy is in force, and your Children are not otherwise eligible for insurance under the Policy, then your Children’s coverage will be eligible for conversion as described in the CONVERSION provision. If your Children were not covered under the Employer's prior policy on the date that policy terminated, then the EFFECTIVE DATE OF COVERAGE provision will apply.

ICC18 LR14GP-CHR-2 5 CHR-12995 (11/25) TERMINATION OF COVERAGE Coverage for each Child ends on the earliest of the following:  The date this rider terminates.  The date the Child is no longer an eligible Child as defined by this rider. Eligibility of a Child who is incapable of self-sustaining employment due to physical or intellectual disability ends when there is no longer evidence satisfactory to us that the incapacity is continuing. This rider terminates on the earliest of the following:  The date your life insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong.  The date you voluntarily cancel this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  The date you no longer have an eligible Child as defined by this rider.  The end of the period for which Premiums are paid if the next Premium is not paid by its due date, subject to the Policy’s grace period. If coverage for your Children ends and this rider terminates because you no longer have an eligible Child as defined by this rider, then you should notify the Policyholder to cancel this rider. We will pay benefits for a loss that occurs while your Child is insured under this rider. CONVERSION You may convert Children’s life insurance, without Evidence of Insurability, to an individual life insurance policy if a Child’s life insurance under this rider stops for any reason other than nonpayment of Premium, your voluntary cancellation of this rider, your Child reaching the termination age under this rider, or your death. You may also convert any part of Children’s life insurance that reduces due to your change from one eligible class to another or a Policy change. If you have made an absolute assignment of insurance, only the current owner may apply for conversion under this paragraph. Your Child may convert Children’s life insurance, without Evidence of Insurability, to an individual life insurance policy if that Child’s life insurance under this rider stops because your Child reaches the termination age under this rider, or because of your death. If a Child is too young to contract for life insurance after your death, then a parent or a court- appointed guardian of the Child may apply for conversion of that Child’s coverage. Only life insurance is eligible for conversion. Conversion does not include any additional benefits such as accelerated death benefits, accidental death and dismemberment benefits, or waiver of premium benefits. Any amounts of coverage for which your Child remains eligible under the Policy are not eligible for conversion. To convert Children’s life insurance, application must be made and the first premium paid to us within 31 days of the date any part of a Child’s life insurance under this rider terminates (the “conversion period”). You will be given Written notice, in person or at your last known address, of your conversion right at least 15 days before the date any part of Children’s life insurance ends. Your right to convert will expire on the later of 16 days after you are given such notice or the end of the conversion period, but in no event will your right to convert extend beyond 60 days after the expiration of the conversion period. Any extension of time allowed for returning the completed application and first premium will not change the length of the conversion period itself. Application for conversion may be for the entire amount of Children’s life insurance that is terminating under this rider, or a lesser amount. The maximum amount of Children’s life insurance coverage eligible for conversion will be reduced by any amount of Children’s life insurance for which you become eligible under any group policy within 31 days after the beginning of the conversion period. Premiums for the conversion policy will be based on our rates then in use, the form and amount of insurance, your Child’s class of risk, and your Child’s attained age at the beginning of the conversion period. The conversion policy may be any individual life insurance policy then customarily offered by us for conversion, other than term insurance. The conversion policy will not include any additional benefits. When we accept the application and first premium, the conversion policy will become effective on the 32nd day after the date the life insurance under the Policy terminated.

ICC18 LR14GP-CHR-2 6 CHR-12995 (11/25) During the conversion period, Children’s life insurance will continue under the terms of this rider. If your Child dies within the conversion period, any life insurance amount that was eligible for conversion will be payable as a death benefit under the Policy and any premiums paid for conversion will be refunded to the Beneficiary. INCONTESTABILITY Any statement made by you or your Child is considered a representation and not a warranty. We will not use such statement to avoid insurance, reduce benefits or defend a claim unless the statement is included in a Written statement of insurability which has been Signed by you or your Child and a copy of such statement of insurability has been given to you or to the Beneficiary. Except for fraud, we will not use such statement relating to insurability to contest life insurance after it has been in force for two years during your Child’s lifetime. Except for fraud, we will not use such statement to contest an increase or benefit addition to such insurance, after the increase or benefit has been in force for two years during your Child’s lifetime. 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 when 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. LIFE INSURANCE BENEFITS We pay a death benefit to the Beneficiary if we receive Written proof that your Child died while Children’s insurance under this rider is in force. See the CONVERSION provision for information about death benefits payable during the conversion period following your death. The death benefit is the amount of Children’s life insurance on that Child for the eligible class as shown on the SCHEDULE OF BENEFITS in effect on the date of your Child’s death minus any amount paid under the Accelerated Death Benefit Rider. NOTICE OF CLAIM AND PROOF OF LOSS A claim form is available from the Employer or us. The process for completing the claim form and submitting the claim form will be explained in the claim form paperwork. Proof of loss, including any attachments indicated on the claim form as required, should be sent directly to us at the address indicated on the form. We may also require information from the Employer in order to verify eligibility. Proof of loss consists of a certified copy of your Child’s death certificate or other lawful evidence providing equivalent information, and proof of the claimant’s interest in the proceeds. We will review proof of loss we receive in order to determine our liability and the correct payee(s). If we approve the claim, we will pay the benefits subject to the terms of this rider. BENEFICIARY You are the Beneficiary for proceeds that become payable at your Child’s death under this rider. If you have made an absolute assignment of your insurance, then during your lifetime the current owner is the Beneficiary. You, or the current owner if ownership was assigned, are automatically the Beneficiary for these proceeds and this designation may not be changed. See the Portability Rider for information about the eligible Beneficiary for continued coverage after your death. Please refer to the LIFE INSURANCE BENEFITS section for more information about payment. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date.

ICC18 LR14GP-CHR-2 7 CHR-12995 (11/25) PAYMENT OF PROCEEDS To be eligible to receive proceeds, the Beneficiary must be living on the date of your Child’s death. Exception: If your Child dies during the conversion period following your death and you would otherwise have been the Beneficiary, we will pay the proceeds to your estate. If the Beneficiary is eligible to receive proceeds but dies before receiving them, we will pay the proceeds to the Beneficiary’s estate. We will pay the death benefit to the Beneficiary in one sum or in a method comparable to one sum. Other methods of payment may be made available to the Beneficiary at the time of claim. Any payment we make in good faith will discharge our liability to the extent of such payment. PAYMENT OF INTEREST We pay interest on the death benefit proceeds, accruing from the date of your Child’s death up to the date of payment. The minimum interest rate payable will be the interest rate applicable for funds left on deposit with us as of the date of death. Interest will accrue at an annual rate of 10% plus the interest rate applicable for funds left on deposit beginning with the date that is 31 calendar days from the latest of the dates below and continuing up to the date of payment:  The date we receive due proof of loss following death.  The date we receive sufficient information to determine our liability, the extent of our liability, and the appropriate payee legally entitled to the proceeds.  The date that legal impediments to payment of proceeds that depend on the action of parties other than us are resolved and sufficient evidence of this resolution is provided to us. Legal impediments to payment include but are not limited to: the establishment of guardianships and conservatorships; the appointment and qualification of trustees, executors and administrators; and the submission of information required to satisfy state or federal reporting requirements. EXCLUSIONS AND LIMITATIONS If your Child commits suicide while sane or insane within two years of the date that Child's insurance starts, we will refund to the Beneficiary any Premiums paid instead of paying a death benefit. The two year period includes the period your Child was continuously covered under this rider and any previous group term life policy issued to the Policyholder during your Child’s lifetime. If your Child commits suicide while sane or insane within two years from the date an increase in Supplemental Children's life insurance (other than a scheduled or automatic increase) became effective, we will pay a death benefit for the amount of insurance that was effective before the increase. We will refund to the Beneficiary any Premiums paid for the increased amount of insurance. Executed at our Home office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

ICC18 LR14GP-WOP-2 1 WOP-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate and is subject to all of the provisions, limitations and exclusions of the Policy and Certificate, unless changed by this rider. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. Doctor means a person who is licensed to practice medicine in the state in which treatment is received and providing treatment or advice in accordance with the license. State law may require consideration of professional services of a practitioner other than a medical physician. If so, then this definition includes persons recognized as qualified to treat the condition for which claim is made by the state in which treatment is received. This definition does not include you or your spouse, or your or your spouse’s children, parents, grandparents, grandchildren, siblings and their spouses. GENERAL PROVISIONS ELIGIBILITY FOR RIDER If you are covered under the Policy, then you are eligible for this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date. EFFECTIVE DATE OF RIDER You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date you are eligible for this rider. WAIVER OF PREMIUM RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 CONTENTS Definitions................................................................ page 1 General Provisions................................................... page 1 Waiver of Premium Benefit...................................... page 2 DEFINITIONS Total Disability or Totally Disabled means that due to an injury or sickness you are unable to perform the material duties of your regular job, and you are unable to perform for remuneration or profit any other job for which you are fit by education, training or experience. If we pay you an Employee benefit under the Accelerated Death Benefit Rider, you will automatically meet the definition of Total Disability under this rider. Waiting Period means the 6 month period immediately following the date you stop Active Employment during which you are continuously Totally Disabled. If you return to work for a total of 30 days or less during the Waiting Period and then stop work again due to the same Total Disability, your Waiting Period will not be interrupted. If we pay you an Employee benefit under the Accelerated Death Benefit Rider, you will automatically satisfy the Waiting Period requirement under this rider.

ICC18 LR14GP-WOP-2 2 WOP-12995 (11/25) TERMINATION OF RIDER This rider terminates on the earliest of the following:  The date your life insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong.  The date life insurance coverage is being continued under the terms of the Portability Rider. This rider will not terminate while Premiums are being waived under the terms of this rider. TERMINATION OF COVERAGE The TERMINATION OF COVERAGE provision in your Certificate is revised to add this item to the terms under which your coverage ends:  The date Premiums are no longer being waived under the Waiver of Premium Rider, if you are not in an eligible class on that date. The TERMINATION OF COVERAGE provision in your Spouse Life Insurance Rider is revised to add this item to the terms under which your Spouse coverage ends:  The date we approve a claim under the Waiver of Premium Rider. The TERMINATION OF COVERAGE provision in your Children’s Life Insurance Rider is revised to add this item to the terms under which your Children’s coverage ends:  The date we approve a claim under the Waiver of Premium Rider. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date. WAIVER OF PREMIUM BENEFIT If you become Totally Disabled while covered under this rider and meet the other conditions below, we will waive Premiums due under the Policy and continue insurance during your Total Disability, according to the terms of this rider. When we waive Premiums, the amount of continued life insurance equals the amount that would have been provided if you had not become Totally Disabled. That amount will reduce or stop according to the Certificate and riders in effect on the date Total Disability began. Premiums that are waived are not deducted from any proceeds that may become payable. Continued life insurance includes the following if effective on the date before your Total Disability began:  Employee life insurance.  the Accelerated Death Benefit Rider. Continued life insurance does not include:  the Spouse Life Insurance Rider.  the Children’s Life Insurance Rider.  the AD&D Rider.  the Portability Rider.  any continuation rider(s). Any rider or coverage that is not eligible for waiver of premium under this rider will terminate on the date that coverage would otherwise end due to your termination of Active Employment. See the CONVERSION provision of the Certificate and riders for more information about conversion. Continued insurance is subject to all other terms of the Policy.

ICC18 LR14GP-WOP-2 3 WOP-12995 (11/25) CONDITIONS FOR WAIVER OF PREMIUM All of the following conditions must be met in order to waive Premiums:  Total Disability begins before your 60th birthday.  You are covered under this rider on the date your Total Disability begins.  You are continuously Totally Disabled for the entire Waiting Period and up to the date we approve your claim for waiver of Premium. Premiums due for life insurance and this rider are subject to the provisions of any continuation riders.  You provide notice of claim and proof of Total Disability to us as described below. NOTICE OF CLAIM AND PROOF OF TOTAL DISABILITY You must send us written notice of claim while you are living, while you are Totally Disabled, and within 9 months of the date your Total Disability begins. Failure to give notice within 9 months will not invalidate or reduce any claim if it is shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible. Notice of claim includes proof of your Total Disability. Proof of your Total Disability includes information from your Doctor, at your expense, regarding your condition and your inability to work. We may require additional information from the Employer in order to verify eligibility. We may also require you to be interviewed by our authorized representative. Proof of your Total Disability, including any attachments indicated on the claim form(s) as required, should be sent directly to us at the address indicated on the form(s). Claim forms are available from the Employer or us. We have the right to request a second or third medical opinion, at our expense, in order to determine if you are Totally Disabled. Any second medical opinion may include a physical examination by a Doctor or other medical practitioner of our choice. In the case of conflicting medical opinions, Total Disability will be determined by a third medical opinion that is provided by a Doctor who is mutually acceptable to you and us. If you die within 12 months of the date your Total Disability began and all of the following are true:  You didn’t previously submit a claim under this rider, and  You would otherwise have met the CONDITIONS FOR WAIVER OF PREMIUM, and  Life insurance for you would still have been in force under the Policy on the date of your death if a claim for waiver of Premium had been approved, then the Beneficiary can submit a claim for death benefit proceeds along with notice of claim under this rider and proof that your Total Disability continued without interruption from the last day you were in Active Employment until your death. EFFECTIVE DATE OF WAIVER OF PREMIUM When we approve your claim, Premiums are waived as of the date after the Waiting Period ends. We will refund any Premiums we received after that date to the Policyholder or to you, as appropriate. We will notify you in writing when your claim is approved. We will notify you and the Employer if we deny your claim. If we deny your claim, conversion is available as described in the CONVERSION provision of the Certificate and riders. If we approve a claim for which notice of claim was provided to us more than 12 months after the date your Total Disability began, then any refund of Premiums will not exceed 12 months of Premiums dating back from the date the notice of claim was received by us. If you converted life insurance due to your termination of Active Employment and then a claim under this rider is approved, the conversion policy must be surrendered without claim. We will cancel the conversion policy as of the date of issue and refund any premiums paid. We will retain any beneficiary designation you made under your conversion policy as the Beneficiary under the group Policy, unless you change the Beneficiary as described under the BENEFICIARY provision in the Certificate. If the conversion policy is not surrendered without claim, then Premiums will not be waived under this rider. The same coverage(s) that would otherwise end due to your termination of Active Employment may not be both continued under this rider and converted.

ICC18 LR14GP-WOP-2 4 WOP-12995 (11/25) PROOF OF CONTINUED TOTAL DISABILITY After your claim is approved, we may periodically request additional proof of your continuing Total Disability, but not more frequently than once every six months. TERMINATION OF WAIVER OF PREMIUM We will stop waiving Premiums on the earliest of the following dates:  The date you are no longer Totally Disabled.  The date you do not give us proof of Total Disability as requested.  Your 65th birthday. If Premiums are no longer waived, insurance under the Policy will stay in force only if all of the following conditions are met:  Life insurance is in force for Active Employees under the Policy, and  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. You will not be eligible for portability under any Portability Rider on the date we stop waiving your Premiums. CONVERSION AFTER TERMINATION OF WAIVER OF PREMIUM When Waiver of Premium under this rider ends, and if you are not otherwise eligible for insurance under the Policy, then conversion will be available as described in the CONVERSION provision of the Certificate and riders. DENIALS AND APPEALS FOR PLANS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 (ERISA) If we deny a claim in whole or in part (an “adverse benefit determination”), we will provide written notice of the adverse benefit determination to you as soon as possible, but no more than 45 days after receipt of the claim unless an extension is needed. An extension of 30 days will be allowed for processing the claim for matters beyond our control. You will be given notice of any such extension before the end of the initial 45-day period. If, before the end of the 30- day extension period, we are still unable to render a decision on the claim for matters beyond our control, a second extension of 30 days will be allowed for processing the claim. You will be given notice of any such second extension before the end of the first 30-day extension period. The notice(s) will state the circumstances requiring the extension and the date a decision is expected. The notice(s) will also specifically explain the standards on which entitlement to a benefit is based, the unresolved issues that prevent a decision on the claim and the additional information needed to resolve those issues. If additional information is needed, you will have 45 days to provide the specified information. If an extension is needed due to your failure to submit information necessary to decide a claim, the extension period will be tolled from the date on which notification of the extension is sent to you until the date on which you respond to the request for additional information. A notice of an adverse benefit determination will be written in an understandable manner and include the following:  The specific reason(s) for the adverse benefit determination.  Reference to the specific provision on which the determination is based.  A description of additional information, if any, which would enable you to receive the benefits sought and an explanation of why it is needed.  A description and a copy of relevant claim review procedure and the time limits applicable to such procedures, including a statement of your right to bring a civil action following an adverse benefit determination on review.  A statement that if an internal rule, guideline, protocol or other similar criterion was relied upon in making the adverse benefit determination, a copy of such rule, guideline, protocol or other criterion will be provided free of charge to you upon request. You may request a review of an adverse benefit determination (an “appeal”) at any time during the 180 day period following receipt of the notice of the determination. We will consider an appeal upon written application of you or your duly authorized representative. As part of the appeal you also have the right, upon request and free of charge, to reasonable access to and copies of all documents, records and other information relevant to your claim. This includes

ICC18 LR14GP-WOP-2 5 WOP-12995 (11/25) the identification of any medical or vocational experts whose advice was obtained on our behalf in connection with the adverse benefit determination, without regard to whether the advice was relied upon in making the benefit determination. You may, in the course of this appeal, review relevant documents and submit to us written comments, documents, records and other information relevant to your claim. Our review of the appeal will be conducted by someone who is neither the individual who made the original adverse benefit determination that is the subject of the appeal, nor the subordinate of such individual. If the determination was based in whole or in part on a medical judgment, our review of the appeal will include consultation with a health care professional who has appropriate training and experience in the field of medicine involved in the medical judgment. This health care professional will be someone who is neither an individual who was consulted in connection with the original adverse benefit determination that is the subject of the appeal, nor the subordinate of such individual. Prior to rendering an adverse decision on appeal, we will provide notice to you of any new or additional evidence considered, relied upon, or generated by the plan, insurers or other persons making the benefit determination. We will also notify you if we have new or additional rationale for an adverse appeal determination. We will then provide you with a reasonable opportunity to review and respond to this new information before making our decision. The time period we have to make our determination will be tolled while we are waiting for your response. Following our review of the appeal, we will provide you with a written decision of the final determination of the claim. This decision will be issued as soon as possible, but no more than 45 days after the receipt of the appeal unless an extension is needed. An extension of 45 days will be allowed for making this decision if special circumstances are present. You will be given notice of any such extension before the end of the 45-day period. The notice will state the special circumstances involved and the date a decision is expected. If an extension is needed due to your failure to submit information necessary to decide a claim, the extension period will be tolled from the date on which notification of the extension is sent to you until the date on which you respond to the request for additional information. If we send an adverse benefit determination following our review of the appeal, the notice of the determination will be written in an understandable manner and include the following:  The specific reason(s) for the adverse benefit determination.  Reference to the specific provision on which the determination is based.  A statement that you are entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant to your claim.  A statement of your right to bring a civil action and any contractual statute of limitations period, including the specific calendar date on which such limitations period will expire.  If an internal rule, guideline, protocol or other similar criterion was relied upon in making the adverse benefit determination, then a copy of any such rule, guideline, protocol or other criterion will be provided free of charge.  The following statement: “You and your plan may have other voluntary alternative dispute resolution options, such as mediation. One way to find out what may be available is to contact your local U.S. Department of Labor Office and your State insurance regulatory agency.” Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

ICC14 LR14GP-ABR 1 ABR-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate and is subject to all of the provisions, limitations and exclusions of the Policy and Certificate, unless changed by this rider. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. THE AMOUNT OF LIFE INSURANCE WILL BE REDUCED IF AN ACCELERATED DEATH BENEFIT IS PAID. PREMIUM PAYMENTS WILL ALSO BE REDUCED. THE RECEIPT OF ACCELERATED DEATH BENEFITS MAY BE A TAXABLE EVENT.YOU SHOULD SEEK ADDITIONAL INFORMATION ABOUT THE TAX STATUS OF THE PAYMENT FROM A PERSONAL TAX ADVISOR. Accelerated Death Benefit You: .................................................... 75% of the amount of Basic and Supplemental Life Insurance in force, or $500,000, whichever is less. Your Spouse: ...................................... 75% of the amount of Supplemental Spouse Life Insurance in force. Your Children: ..................................... 75% of the amount of Supplemental Children’s Life Insurance in force. The Covered Person must have at least $10,000 of life insurance coverage in force. Your Spouse must have at least $10,000 of life insurance coverage in force. Your Children must have at least $1,000 of life insurance coverage in force. ACCELERATED DEATH BENEFIT RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 CONTENTS Schedule of Benefits.............................................. page 1 Definitions............................................................. page 2 General Provisions................................................ page 2 Accelerated Death Benefit..................................... page 3 SCHEDULE OF BENEFITS

ICC14 LR14GP-ABR 2 ABR-12995 (11/25) DEFINITIONS Covered Person means:  You, if you are covered for life insurance under the Policy.  Your Spouse who is covered under your Spouse Life Insurance Rider.  Your Children who are covered under your Children’s Life Insurance Rider. Doctor means a person who is licensed to practice medicine in the state in which treatment is received and providing treatment or advice in accordance with the license. State law may require consideration of professional services of a practitioner other than a medical physician. If so, then this definition includes persons recognized as qualified to treat the condition for which claim is made by the state in which treatment is received. This definition does not include you or your spouse, or your or your spouse’s children, parents, grandparents, grandchildren, siblings and their spouses. Institution means any hospital, convalescent hospital, health clinic, nursing home, extended care facility, or other institution devoted to the care of sick, infirm, or aged persons. Qualifying Event means either of the following:  Terminal Illness.  A medical condition that is reasonably expected to require continuous confinement in an Institution and the Covered Person is expected to remain there for the rest of his or her life. Terminal Illness means a medical condition that is expected to result in the Covered Person’s death within 12 months and from which there is no reasonable chance of recovery. GENERAL PROVISIONS ELIGIBILITY FOR RIDER If you are covered under the Policy, then you are eligible for this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date. EFFECTIVE DATE OF RIDER You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date you are eligible for this rider. TERMINATION OF RIDER This rider terminates on the earliest of the following:  The date your life insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong. This rider will not terminate while this rider is being continued under the terms of another rider. Termination of this rider will not prejudice the payment of benefits for a Qualifying Event that occurred while this rider was in force. CONVERSION When this rider terminates, conversion of this rider is not available.

ICC14 LR14GP-ABR 3 ABR-12995 (11/25) CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date. ACCELERATED DEATH BENEFIT Accelerated death benefit proceeds is the amount we pay to you, while a Covered Person is living, if the Covered Person has a Qualifying Event. The accelerated death benefit proceeds are paid only once per Covered Person. This payout is the only settlement option available prior to a Covered Person’s death. The benefit is the amount of the accelerated death benefit shown on the SCHEDULE OF BENEFITS in effect on the date you request accelerated death benefit proceeds. CONDITIONS FOR THE ACCELERATED DEATH BENEFIT To receive a benefit payment under this rider, all of the following conditions must be met:  Any required life insurance Premium is paid through the date you request proceeds under this rider.  You request proceeds in writing while the Covered Person is living and before the Covered Person attains age 65. If you are unable to request payment yourself, your legal representative may request it on your behalf.  The Covered Person is insured for life insurance benefits under the Policy.  The Covered Person is insured for the minimum amount of life insurance as shown on the SCHEDULE OF BENEFITS in order to be eligible for benefits under this rider.  The benefit percentage elected will equal no less than $5,000.  You provide to us written proof from a Doctor that the Covered Person has a Qualifying Event.  You provide to us written consent for payment from any irrevocable beneficiary and, in community property states, from your spouse. NOTICE OF CLAIM AND PROOF OF LOSS You must send us written notice of claim while the Covered Person is living and within 90 days of the date the Qualifying Event is diagnosed. Failure to give notice within 90 days will not invalidate or reduce any claim if it is shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible. Notice of claim includes proof of loss. Proof of loss includes information from the Covered Person’s Doctor, at your expense, regarding the Covered Person’s medical condition. We may require additional information from the Employer in order to verify eligibility. Proof of loss, including any attachments indicated on the claim form(s) as required, should be sent directly to us at the address indicated on the form(s). A claim form is available from the Employer or us. We have the right to request a second or third medical opinion, at our expense, in order to determine if the Covered Person is eligible under the terms of this rider. Any second medical opinion may include a physical examination by a Doctor designated by us. In the case of conflicting medical opinions, eligibility will be determined by a third medical opinion that is provided by a Doctor who is mutually acceptable to the Covered Person and us. When you request proceeds under this rider and upon payment of the benefit proceeds, you will be provided with a disclosure demonstrating the effect of the acceleration on the death benefit and Premium, and any other effects on coverage. This disclosure will also be provided to any assignee of record or irrevocable beneficiary of record. BENEFIT PAYMENT We pay the benefit proceeds to you immediately upon receipt of due written proof of loss. If you are not the current owner of coverage under the Certificate or riders on the date proceeds are requested under this rider, then while you are living the benefit proceeds are payable to the current owner.

ICC14 LR14GP-ABR 4 ABR-12995 (11/25) For coverage continued by your Spouse after your death or divorce, any benefit proceeds under this rider are payable to your Spouse. If your Spouse is not the current owner of coverage under the Spouse Life Insurance Rider and Children’s Life Insurance Rider on the date accelerated death benefit proceeds are requested, then the benefit proceeds are payable to the current owner. Benefit proceeds received for Terminal Illness will be paid as a lump sum. For a Qualifying Event other than Terminal Illness, you may elect to receive the benefit proceeds as a lump sum or in monthly installments. You may elect monthly installments equal to 1-20% of the full amount of the benefit payable under this rider. The minimum monthly installment is $500. Monthly installments are paid once every 30 days until the full accelerated benefit amount has been paid out. Each monthly installment paid will reduce the remaining death benefit by the same amount. Any payment we make in good faith will discharge our liability to the extent of such payment. If you or the Covered Person dies after you request proceeds under this rider but before any proceeds are received, then the accelerated death benefit claim will be cancelled and any death benefit will be payable under the terms of the Certificate and riders. If any monthly installments are remaining at the time of death, the remaining amount will be payable as a death benefit under the terms of the Certificate and riders. EFFECTS ON COVERAGE When we pay this benefit, coverage is affected in the following ways:  The Covered Person’s Basic and Supplemental Life Insurance amount is reduced by the accelerated death benefit proceeds paid under this rider.  The Covered Person’s life insurance amount that may be converted is reduced by the accelerated death benefit proceeds paid under this rider.  You will not be eligible to increase the Covered Person’s Contributory life insurance amount.  Premium is reduced based upon the remaining life insurance amount. Such Premium must be paid, unless waived under the Waiver of Premium Rider, to keep the life insurance coverage in force.  The Covered Person’s remaining life insurance amount is subject to future BENEFIT REDUCTIONS, if any, as shown on the SCHEDULE OF BENEFITS in the Certificate or riders.  You will not be able to reinstate the Covered Person’s coverage to its full amount in the event of a recovery from a Qualifying Event. Payment of accelerated death benefits for a Covered Person will not affect the amount of life insurance on other Covered Persons. If any death benefit remains after payment of the accelerated death benefit, coverage under the AD&D Rider will be unaffected by the payment of an accelerated death benefit. Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

ICC18 LR14GP-CNT-2 1 CNT-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate and is subject to all of the provisions, limitations and exclusions of the Policy and Certificate, unless changed by this rider. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. Covered Person means:  You, if you are covered for life insurance under the Policy.  Your Spouse who is covered under your Spouse Life Insurance Rider.  Your Children who are covered under your Children’s Life Insurance Rider. Leave of Absence means you are absent from Active Employment for a period of time under a leave granted in writing by the Employer that is in accordance with the Employer’s formal leave policies. Your normal vacation time is not considered a Leave of Absence. Labor Strike means you are absent from Active Employment for a period of time for which continuation of life insurance is available under the Employer’s written plan for labor strikes. Temporary Layoff means you are absent from Active Employment for a period of time for which continuation of life insurance is available under the Employer’s written plan for temporary layoffs, and the layoff is not intended to be permanent. Total Disability or Totally Disabled means that due to an injury or sickness you are unable to perform the material duties of your regular job, and you are unable to perform any other job for which you are fit by education, training or experience. GENERAL PROVISIONS ELIGIBILITY FOR RIDER If you are covered under the Policy, then you are eligible for this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date. CONTINUATION OF INSURANCE RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 CONTENTS Definitions................................................................ page 1 General Provisions................................................... page 1 Continuation of Insurance........................................ page 2 DEFINITIONS

ICC18 LR14GP-CNT-2 2 CNT-12995 (11/25) EFFECTIVE DATE OF RIDER You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date you are eligible for this rider. CHANGE OF INSURANCE CARRIERS The CHANGE OF INSURANCE CARRIERS provision in the Certificate is revised to include an Employee whose coverage was being continued under a similar continuation provision of the Employer’s prior policy on the date the Employer changes insurance carriers to our Policy. TERMINATION OF RIDER This rider terminates on the earliest of the following:  The date your life insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date. CONTINUATION OF INSURANCE If you stop Active Employment due to: then life insurance coverage may be continued under the Policy beyond the date you are no longer in Active Employment, limited to the time period(s) described below. During this continued coverage period, the amount of continued insurance equals the amount in effect the day prior to the continuation period. That amount will reduce or stop according to the Certificate and riders in effect the day prior to the continuation period. Premiums are due during the continuation period on the same basis as on the day prior to the continuation period. Contact the Employer for more information. If an eligible claim occurs while coverage is being continued under this rider, then benefits will be paid as described in the Certificate and riders. FAMILY AND MEDICAL LEAVE If you are on a Leave of Absence as described under the Family and Medical Leave Act of 1993 and any amendments ("FMLA") or applicable state family and medical leave law ("State FML"), and the Employer's human resource policy provides for continuation of life insurance during an FMLA or State FML Leave of Absence, then coverage for all Covered Persons may be continued until the end of the later of:  The leave period permitted by FMLA.  The leave period permitted by state FML. This continuation of coverage includes all riders that were in effect on the date before the FMLA or State FML Leave of Absence began.  Employer-approved Leave of Absence, or  Total Disability, or  Temporary Layoff, or  Labor Strike,

ICC18 LR14GP-CNT-2 3 CNT-12995 (11/25) SICKNESS OR INJURY If you are on a Leave of Absence due to your sickness or injury, including Total Disability, then coverage for all Covered Persons may be continued until the last day of the month which is on or next follows the date which is 9 months after the date you stopped Active Employment. This continuation of coverage includes all riders that were in effect on the date before the Leave of Absence began. TEMPORARY LAYOFF If you stop Active Employment due to a Temporary Layoff, then coverage for all Covered Persons may be continued until the last day of the month which is on or next follows the date which is 2 months after the date you stopped Active Employment. This continuation of coverage includes all riders that were in effect on the date before you stopped Active Employment. LABOR STRIKE If you stop Active Employment due to a Labor Strike, then coverage for all Covered Persons may be continued until the last day of the month which is on or next follows the date which is 2 months after the date you stopped Active Employment. This continuation of coverage includes all riders that were in effect on the date before you stopped Active Employment. OTHER LEAVE OF ABSENCE If you are on a Leave of Absence for any other reason, then coverage for all Covered Persons may be continued until the last day of the month which is on or next follows the date which is 2 months after the date you stopped Active Employment. This continuation of coverage includes all riders that were in effect on the date before the Leave of Absence began. CONCURRENT LEAVES OF ABSENCE If you would be eligible for more than one type of continuation under this rider during any one period that you are not in Active Employment, we will consider such periods to be concurrent for the purpose of determining how long your coverage may continue under the Policy. 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 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.  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 life insurance policy as an employee or member.  The date Premiums are waived under the Waiver of Premium Rider.  The date the Policy terminates.  The date coverage for all Active Employees under the Policy terminates. 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, other than by waiver of Premium, insurance under the Policy will stay in force only if all of the following conditions are met:  Life insurance is in force for Active Employees under the Policy, and  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.

ICC18 LR14GP-CNT-2 4 CNT-12995 (11/25) CONVERSION FOLLOWING TERMINATION OF CONTINUATION When continuation under this rider ends other than for nonpayment of Premium or waiver of Premium, and if the Covered Person is not otherwise eligible for insurance under the Policy, then conversion of life insurance will be available as described in the CONVERSION provision of the Certificate and riders. 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 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. DENIALS AND APPEALS FOR PLANS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 (ERISA) – FOR TOTAL DISABILITY CLAIMS ONLY If we deny a claim in whole or in part (an “adverse benefit determination”), we will provide written notice of the adverse benefit determination to you as soon as possible, but no more than 45 days after receipt of the claim unless an extension is needed. An extension of 30 days will be allowed for processing the claim for matters beyond our control. You will be given notice of any such extension before the end of the initial 45-day period. If, before the end of the 30- day extension period, we are still unable to render a decision on the claim for matters beyond our control, a second extension of 30 days will be allowed for processing the claim. You will be given notice of any such second extension before the end of the first 30-day extension period. The notice(s) will state the circumstances requiring the extension and the date a decision is expected. The notice(s) will also specifically explain the standards on which entitlement to a benefit is based, the unresolved issues that prevent a decision on the claim and the additional information needed to resolve those issues. If additional information is needed, you will have 45 days to provide the specified information. If an extension is needed due to your failure to submit information necessary to decide a claim, the extension period will be tolled from the date on which notification of the extension is sent to you until the date on which you respond to the request for additional information. A notice of an adverse benefit determination will be written in an understandable manner and include the following:  The specific reason(s) for the adverse benefit determination.  Reference to the specific provision on which the determination is based.  A description of additional information, if any, which would enable you to receive the benefits sought and an explanation of why it is needed.  A description and a copy of relevant claim review procedures and the time limits applicable to such procedures, including a statement of your right to bring a civil action following an adverse benefit determination on review.  A statement that if an internal rule, guideline, protocol or other similar criterion was relied upon in making the adverse benefit determination, a copy of such rule, guideline, protocol or other criterion will be provided free of charge to you upon request. You may request a review of an adverse benefit determination (an “appeal”) at any time during the 180 day period following receipt of the notice of the determination. We will consider an appeal upon written application of you or your duly authorized representative. As part of the appeal you also have the right, upon request and free of charge, to reasonable access to and copies of all documents, records and other information relevant to your claim. This includes the identification of any medical or vocational experts whose advice was obtained on our behalf in connection with the adverse benefit determination, without regard to whether the advice was relied upon in making the benefit determination. You may, in the course of this appeal, review relevant documents and submit to us written comments, documents, records and other information relevant to your claim. Our review of the appeal will be conducted by someone who is neither the individual who made the original adverse benefit determination that is the subject of the appeal, nor the subordinate of such individual. If the determination was based in whole or in part on a medical judgment, our review of the appeal will include consultation with a health care professional who has appropriate training and experience in the field of medicine involved in the medical judgment. This health care professional will be someone who is neither an individual who was consulted in connection with the original adverse benefit determination that is the subject of the appeal, nor the subordinate of such individual.

ICC18 LR14GP-CNT-2 5 CNT-12995 (11/25) Prior to rendering an adverse decision on appeal, we will provide notice to you of any new or additional evidence considered, relied upon, or generated by the plan, insurers or other persons making the benefit determination. We will also notify you if we have new or additional rationale for an adverse appeal determination. We will then provide you with a reasonable opportunity to review and respond to this new information before making our decision. The time period we have to make our determination will be tolled while we are waiting for your response. Following our review of the appeal, we will provide you with a written decision of the final determination of the claim. This decision will be issued as soon as possible, but no more than 45 days after the receipt of the appeal unless an extension is needed. An extension of 45 days will be allowed for making this decision if special circumstances are present. You will be given notice of any such extension before the end of the 45-day period. The notice will state the special circumstances involved and the date a decision is expected. If an extension is needed due to your failure to submit information necessary to decide a claim, the extension period will be tolled from the date on which notification of the extension is sent to you until the date on which you respond to the request for additional information. If we send an adverse benefit determination following our review of the appeal, the notice of the determination will be written in an understandable manner and include the following:  The specific reason(s) for the adverse benefit determination.  Reference to the specific provision on which the determination is based.  A statement that you are entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant to your claim.  A statement of your right to bring a civil action and any contractual statute of limitations period, including the specific calendar date on which such limitations period will expire.  If an internal rule, guideline, protocol or other similar criterion was relied upon in making the adverse benefit determination, then a copy of any such rule, guideline, protocol or other criterion will be provided free of charge.  The following statement: “You and your plan may have other voluntary alternative dispute resolution options, such as mediation. One way to find out what may be available is to contact your local U.S. Department of Labor Office and your State insurance regulatory agency.” Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

ICC18 LR14GP-CTD-2 1 CTD-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate and is subject to all of the provisions, limitations and exclusions of the Policy and Certificate, unless changed by this rider. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. Covered Person means:  You, if you are covered for life insurance under the Policy.  Your Spouse who is covered under your Spouse Life Insurance Rider.  Your Children who are covered under your Children’s Life Insurance Rider. Doctor means a person who is licensed to practice medicine in the state in which treatment is received and providing treatment or advice in accordance with the license. State law may require consideration of professional services of a practitioner other than a medical physician. If so, then this definition includes persons recognized as qualified to treat the condition for which claim is made by the state in which treatment is received. This definition does not include you or your spouse, or your or your spouse’s children, parents, grandparents, grandchildren, siblings and their spouses. Total Disability or Totally Disabled means that due to an injury or sickness you are unable to perform the material duties of your regular job, and you are unable to perform any other job for which you are fit by education, training or experience. GENERAL PROVISIONS ELIGIBILITY FOR RIDER If you are covered under the Policy, then you are eligible for this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date. EFFECTIVE DATE OF RIDER You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date you are eligible for this rider. TOTAL DISABILITY CONTINUATION RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 CONTENTS Definitions................................................................ page 1 General Provisions................................................... page 1 Total Disability Continuation..................................... page 2 DEFINITIONS

ICC18 LR14GP-CTD-2 2 CTD-12995 (11/25) CHANGE OF INSURANCE CARRIERS The CHANGE OF INSURANCE CARRIERS provision in the Certificate is revised to include an Employee whose coverage was being continued under a similar total disability continuation provision of the Employer’s prior policy on the date the Employer changes insurance carriers to our Policy. TERMINATION OF RIDER This rider terminates on the date your life insurance terminates. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date. TOTAL DISABILITY CONTINUATION If life insurance for a Covered Person would otherwise end because you are no longer in Active Employment due to Total Disability, and your continuation of insurance under any other rider has ended, then life insurance coverage for all Covered Persons may be continued under the Policy for a limited period of time. During this continued coverage period, the amount of continued life insurance equals the amount that would have been provided if you had not become Totally Disabled. That amount will reduce or stop according to the Certificate and riders in effect on the date Total Disability began. Premiums are due during the continuation period on the same basis as on the date before Total Disability began. Continued life insurance includes the following if effective on the date before your Total Disability began:  Employee life insurance.  the Spouse Life Insurance Rider.  the Children’s Life Insurance Rider.  the Accelerated Death Benefit Rider.  the AD&D Rider.  the Waiver of Premium Rider. Continued life insurance does not include:  the Portability Rider.  any other continuation rider(s). Any rider or coverage that is not eligible for continuation under this rider will terminate on the date that coverage would otherwise end due to your termination of Active Employment. See the CONVERSION provision of the Certificate and riders for more information about conversion. Continued insurance is subject to all other terms of the Policy. CONDITIONS FOR TOTAL DISABILITY CONTINUATION All of the following conditions must be met in order to continue coverage under this rider:  You are covered under this rider on the date your Total Disability begins.  You are continuously Totally Disabled for the entire period your coverage is in force during the continuation period of any rider.  All Premiums due for life insurance and this rider are paid to us through the date we approve your claim under this rider. NOTICE OF CLAIM AND PROOF OF TOTAL DISABILITY We must accept your proof of Total Disability in order for this rider to apply. You may request a claim form from the Employer or us in order to submit your proof of Total Disability to us. Proof of your Total Disability includes information from your Doctor, at your expense, regarding your condition and your inability to work. We may require additional

ICC18 LR14GP-CTD-2 3 CTD-12995 (11/25) information from the Employer in order to verify eligibility. We may also require you to be interviewed by our authorized representative. Proof of your Total Disability, including any attachments indicated on the claim form(s) as required, should be sent directly to us at the address indicated on the form(s). We have the right to request a second or third medical opinion, at our expense, in order to determine if you are Totally Disabled. Any second medical opinion may include a physical examination by a Doctor or other medical practitioner of our choice. In the case of conflicting medical opinions, Total Disability will be determined by a third medical opinion that is provided by a Doctor who is mutually acceptable to you and us. We will notify the Employer if we approve your claim. We will notify you and the Employer if we deny your claim. If we deny your claim, conversion is available as described in the CONVERSION provision of the Certificate and riders. If we approve your claim and you had previously converted coverage to an individual policy(ies) when your Active Employment terminated, then the individual policy(ies) must be surrendered without claim (other than refund of Premium) in order for coverage to be continued under this rider. The same coverage(s) that would otherwise end due to your termination of Active Employment may not be both continued under this rider and converted. The Beneficiary for your coverage will be the most recent Beneficiary designated under either the group Policy or the individual conversion policy. See the Certificate and riders for more information about the Beneficiary. After your claim is approved, we may periodically request additional proof of your continuing Total Disability, but not more frequently than once every six months. If a Covered Person dies while the Policy is in force for Active Employees and all of the following are true:  You didn’t previously submit a claim under this rider, and  You would otherwise have met the CONDITIONS FOR TOTAL DISABILITY CONTINUATION, and  Life insurance for the Covered Person would still have been in force under the Policy on the date of the Covered Person’s death if a claim under this rider had been approved, then the Beneficiary can submit a claim for death benefit proceeds along with proof that your Total Disability continued without interruption from the last day you were in Active Employment until the Covered Person’s death. Any Premiums that would have been due for continued coverage must be paid. TERMINATION OF TOTAL DISABILITY CONTINUATION Continued coverage under this rider will stop on the earliest of the following dates:  The date you are no longer Totally Disabled.  The date you do not give us proof of Total Disability as requested.  Your 65th birthday; however, the continuation period will not be less than 6 months while the Policy is in force for Active Employees.  The date the Policy terminates.  The date coverage for all Active Employees under the Policy terminates.  For your Spouse and Children’s coverage, the date that person’s life insurance would otherwise end according to the terms of the rider(s). If coverage is no longer continued under this rider, insurance under the Policy will stay in force only if all of the following conditions are met:  Life insurance is in force for Active Employees under the Policy, and  You are in an eligible class for coverage under the Policy, and  Your Premium payments are continued. The amount of insurance will be subject to the Certificate and riders in effect on the date you become eligible as an Active Employee. You will not be eligible for portability under the Portability Rider on the date continued coverage under this rider terminates.

ICC18 LR14GP-CTD-2 4 CTD-12995 (11/25) CONVERSION FOLLOWING TERMINATION OF TOTAL DISABILITY CONTINUATION When continued coverage under this rider ends other than for nonpayment of Premium, and if the Covered Person is not otherwise eligible for insurance under the Policy, then conversion will be available as described in the CONVERSION provision of the Certificate and riders. DENIALS AND APPEALS FOR PLANS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 (ERISA) If we deny a claim in whole or in part (an “adverse benefit determination”), we will provide written notice of the adverse benefit determination to you as soon as possible, but no more than 45 days after receipt of the claim unless an extension is needed. An extension of 30 days will be allowed for processing the claim for matters beyond our control. You will be given notice of any such extension before the end of the initial 45-day period. If, before the end of the 30- day extension period, we are still unable to render a decision on the claim for matters beyond our control, a second extension of 30 days will be allowed for processing the claim. You will be given notice of any such second extension before the end of the first 30-day extension period. The notice(s) will state the circumstances requiring the extension and the date a decision is expected. The notice(s) will also specifically explain the standards on which entitlement to a benefit is based, the unresolved issues that prevent a decision on the claim and the additional information needed to resolve those issues. If additional information is needed, you will have 45 days to provide the specified information. If an extension is needed due to your failure to submit information necessary to decide a claim, the extension period will be tolled from the date on which notification of the extension is sent to you until the date on which you respond to the request for additional information. A notice of an adverse benefit determination will be written in an understandable manner and include the following:  The specific reason(s) for the adverse benefit determination.  Reference to the specific provision on which the determination is based.  A description of additional information, if any, which would enable you to receive the benefits sought and an explanation of why it is needed.  A description and a copy of relevant claim review procedure and the time limits applicable to such procedures, including a statement of your right to bring a civil action following an adverse benefit determination on review.  A statement that if an internal rule, guideline, protocol or other similar criterion was relied upon in making the adverse benefit determination, a copy of such rule, guideline, protocol or other criterion will be provided free of charge to you upon request. You may request a review of an adverse benefit determination (an “appeal”) at any time during the 180 day period following receipt of the notice of the determination. We will consider an appeal upon written application of you or your duly authorized representative. As part of the appeal you also have the right, upon request and free of charge, to reasonable access to and copies of all documents, records and other information relevant to your claim. This includes the identification of any medical or vocational experts whose advice was obtained on our behalf in connection with the adverse benefit determination, without regard to whether the advice was relied upon in making the benefit determination. You may, in the course of this appeal, review relevant documents and submit to us written comments, documents, records and other information relevant to your claim. Our review of the appeal will be conducted by someone who is neither the individual who made the original adverse benefit determination that is the subject of the appeal, nor the subordinate of such individual. If the determination was based in whole or in part on a medical judgment, our review of the appeal will include consultation with a health care professional who has appropriate training and experience in the field of medicine involved in the medical judgment. This health care professional will be someone who is neither an individual who was consulted in connection with the original adverse benefit determination that is the subject of the appeal, nor the subordinate of such individual. Following our review of the appeal, we will provide you with a written decision of the final determination of the claim. This decision will be issued as soon as possible, but no more than 45 days after the receipt of the appeal unless an extension is needed. An extension of 45 days will be allowed for making this decision if special circumstances are present. You will be given notice of any such extension before the end of the 45-day period. The notice will state the special circumstances involved and the date a decision is expected. If an extension is needed due to your failure to submit information necessary to decide a claim, the extension period will be tolled from the date on which notification of the extension is sent to you until the date on which you respond to the request for additional information. Prior to rendering an adverse decision on appeal, we will provide notice to you of any new or additional evidence considered, relied upon, or generated by the plan, insurers or other persons making the benefit determination. We will

ICC18 LR14GP-CTD-2 5 CTD-12995 (11/25) also notify you if we have new or additional rationale for an adverse appeal determination. We will then provide you with a reasonable opportunity to review and respond to this new information before making our decision. The time period we have to make our determination will be tolled while we are waiting for your response. If we send an adverse benefit determination following our review of the appeal, the notice of the determination will be written in an understandable manner and include the following:  The specific reason(s) for the adverse benefit determination.  Reference to the specific provision on which the determination is based.  A statement that you are entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant to your claim.  A statement of your right to bring a civil action and any contractual statute of limitations period, including the specific calendar date on which such limitations period will expire.  If an internal rule, guideline, protocol or other similar criterion was relied upon in making the adverse benefit determination, then a copy of any such rule, guideline, protocol or other criterion will be provided free of charge.  The following statement: “You and your plan may have other voluntary alternative dispute resolution options, such as mediation. One way to find out what may be available is to contact your local U.S. Department of Labor Office and your State insurance regulatory agency." Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

ICC18 LR14GP-PTS-2 1 PTS-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate and is subject to all of the provisions, limitations and exclusions of the Policy and Certificate, unless changed by this rider. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. Covered Person means:  You, if you are covered for life insurance under the Policy.  Your Spouse who is covered under your Spouse Life Insurance Rider.  Your Children who are covered under your Children’s Life Insurance Rider. Total Disability or Totally Disabled means that due to an injury or sickness you are unable to perform the material duties of your regular job, and you are unable to perform any other job for which you are fit by education, training or experience. GENERAL PROVISIONS ELIGIBILITY FOR RIDER If you are covered under the Policy, then you are eligible for this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date. EFFECTIVE DATE OF RIDER You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date you are eligible for this rider. TERMINATION OF RIDER This rider terminates on the earliest of the following:  The date your life insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong. This rider will not terminate while your coverage is being continued under the terms of this rider. PORTABILITY RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 CONTENTS Definitions................................................................ page 1 General Provisions................................................... page 1 Portability................................................................. page 2 DEFINITIONS

ICC18 LR14GP-PTS-2 2 PTS-12995 (11/25) CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date. EMPLOYEE PORTABILITY Portability means you can apply to continue coverage under the same Policy after it would otherwise terminate, if certain conditions are met. Continued coverage under this rider includes the following:  Employee life insurance under the Certificate  Spouse life insurance under the Spouse Life Insurance Rider, if Employee life insurance is also continued  Children’s life insurance under the Children’s Life Insurance Rider, if Employee life insurance is also continued  Employee AD&D insurance under the AD&D Rider, if Employee life insurance is also continued  Spouse Supplemental AD&D Insurance under the AD&D Rider, if Employee Supplemental AD&D Insurance is also continued  Children’s Supplemental AD&D insurance under the AD&D Rider, if Employee Supplemental AD&D insurance is also continued  Coverage under all riders except the Waiver of Premium Rider and any Continuation riders CONDITIONS FOR EMPLOYEE PORTABILITY All of the following conditions must be met:  You must apply for a minimum of $5,000 in continued Employee coverage.  If you apply for portability of Spouse coverage, you must apply for a minimum of $5,000 in continued Spouse coverage.  If you apply for portability of Children’s coverage, you must apply for a minimum of $1,000 in continued Children’s coverage.  You have not applied for conversion of life insurance on the same amounts.  You did not stop Active Employment due to Total Disability.  You are not on a leave of absence for your sickness or injury.  You apply for portability before the date you attain age 75.  You apply for portability within 31 days of the date your Supplemental life insurance coverage would otherwise terminate due to any of the following:  You retire or terminate employment with the Employer, if coverage remains in effect under the Policy for other Active Employees.  The Policyholder terminates coverage under the Policy for all Active Employees, and does not replace it with another life insurance plan.  You are no longer in an eligible class for coverage under the Policy.  Any other continuation provided under the Policy ends. You will be given notice of your portability and conversion rights at least 15 days before the date any part of your life insurance ends. Your portability rights will expire on the later of 16 days after you are given such notice or the end of the conversion period, but in no event will your portability rights extend beyond 60 days after the expiration of the conversion period. Portability is not available for any of the following:  Any amounts of life insurance for which a conversion application has been received by us.  Coverage that reduces due to BENEFIT REDUCTIONS as described on the SCHEDULE OF BENEFITS in the Certificate or any riders. PORTABILITY If there are any Covered Persons on portability under this rider when the Policy would otherwise terminate, the Policy will remain in force to cover those Covered Persons on portability until the date there are no Covered Persons on portability.

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

ICC18 LR14GP-PTS-2 4 PTS-12995 (11/25) will not adjust your or your Spouse’s Premium after coverage has been continued under this rider for two years during your or your Spouse’s lifetime. GRACE PERIOD FOR EMPLOYEE PORTABILITY You have a grace period of 31 days for the payment of any Premium due. During the grace period coverage will remain in force. If 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 then all coverage will end 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 the date all coverage will terminate if the Premium remains unpaid. You are required to pay a pro rate Premium for any period coverage was in force during the grace period. Premium payment is required for any grace period, any extension of such period, and any period for which coverage was in effect and Premium was not paid. TERMINATION OF EMPLOYEE PORTABILITY 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.  The date you attain age 75.  The date you die.  The date we approve a claim under the Waiver of Premium Rider. You may apply for conversion of any life insurance amount(s) that terminate when portability under this rider ends, other than for nonpayment of Premium or at your death. Your surviving Spouse and Children may apply for conversion of any Spouse and Children’s life insurance amount(s) that terminate when you die. See the CONVERSION provision of the Certificate and riders. Any unearned Premiums paid for ported coverage will be refunded. PORTABILITY AT DEATH OR DIVORCE If you die, your Spouse can apply to continue coverage under the same Policy if certain conditions are met. Continued coverage following your death includes the following:  Spouse life insurance under the Spouse Life Insurance Rider  Children’s life insurance under the Children’s Life Insurance Rider  Spouse Supplemental AD&D insurance under the AD&D Rider, if Spouse Supplemental life insurance is also continued  Children’s Supplemental AD&D insurance under the AD&D Rider, if Children’s Supplemental life Insurance is also continued If you divorce, your Spouse can apply to continue coverage under the same Policy if certain conditions are met. Your Spouse’s continued coverage following divorce includes the following:  Spouse life insurance under the Spouse Life Insurance Rider  Spouse Supplemental AD&D insurance under the AD&D Rider, if Spouse Supplemental life insurance is also continued For purposes of this rider, “divorce” includes annulment. CONDITIONS FOR PORTABILITY AT DEATH OR DIVORCE All of the following conditions must be met:  Your Spouse must have been insured under your Spouse Life Insurance Rider on the date of your death or divorce.  Your Spouse must apply for portability before the date your Spouse attains age 75.  Your Spouse must apply for portability within 31 days of your death or divorce. Your Spouse will be given notice of portability and conversion rights when your Spouse’s life insurance ends due to death or divorce. Your Spouse’s portability rights will expire on the later of 16 days after your Spouse is given such notice or the end of the conversion period, but in no event will your Spouse’s portability rights extend beyond 60 days after the expiration of the conversion period.

ICC18 LR14GP-PTS-2 5 PTS-12995 (11/25) Children may be covered following your death only if they would have been eligible for coverage under the eligibility rules in force prior to your death. Conversion is available for any terminating life insurance amount(s) that are not eligible for portability. See the CONVERSION provision of the riders. Any amounts of life insurance for which an application for conversion has been received by us are not eligible for portability under this rider. APPLICATION FOR PORTABILITY AT DEATH OR DIVORCE Your Spouse may apply for portability of the same amount of insurance that would otherwise terminate or a lesser amount according to the available amounts on the portability application. Your Spouse must apply for portability of Spouse insurance in order to continue Children’s insurance. Your Spouse may only apply for portability of Children’s Insurance in the event of your death. The amount(s) that can be continued under this provision are subject to the following maximum(s):  $250,000 total Spouse life insurance  $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 Spouse 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 Conversion is available for any life insurance amounts that exceed the maximum amount(s) eligible for portability under this provision. See the CONVERSION provision of the riders. Your Spouse will not be eligible to increase the ported coverage amount. Ported coverage is subject to all the terms of the Policy, Certificate and any riders. If your Spouse dies within 31 days of the date your Spouse becomes eligible for portability under this provision (the “conversion period”), any Spouse life insurance amount that was eligible for conversion will be payable according to the CONVERSION provision of the Spouse Life Insurance Rider. If your Child dies during the conversion period, any Children’s life insurance amount that was eligible for conversion on that Child will be payable according to the CONVERSION provision of the Children’s Life Insurance Rider. Any AD&D insurance amount your Spouse is eligible to port will be payable according to the AD&D Rider. Any unearned Premiums paid for portability will be refunded to the Beneficiary. Your Spouse does not need to provide Evidence of Insurability in order to apply for portability. Your Spouse may complete the Evidence of Insurability section of the application if your Spouse wants to request a lower portability Premium rate. If we accept your Spouse’s application for portability but decline your Spouse’s Evidence of Insurability, your Spouse may either pay the standard portability Premium rate or apply for conversion of life insurance within 31 days of the date we provide your Spouse written notice of conversion. See the CONVERSION provision of the riders. Spouse coverage must be ported under the terms of this rider in order for Children’s coverage to be ported. If we approve your Spouse’s application for portability, your Spouse will become the owner of the Spouse coverage that was previously provided under your Spouse Life Insurance Rider. If Children’s coverage is ported after your death, your Spouse will also become the owner of the Children’s coverage that was previously provided under your Children’s Life Insurance Rider. Ported coverage under this provision will be effective on the day after the conversion period ends. Premiums under this provision will be billed directly to your Spouse 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 your Spouse applies for portability. We may change the portability Premium rates at any time upon 90 days written notice to your Spouse. If you have made an absolute assignment of your insurance, the current owner’s rights under the Policy will terminate on the date of your death. The current owner’s rights regarding your Spouse’s insurance will terminate on the date of your divorce. Your Spouse as the new owner under this provision may make an absolute assignment of insurance, as described in the ASSIGNMENT provision of the Certificate.

ICC18 LR14GP-PTS-2 6 PTS-12995 (11/25) BENEFICIARY FOR PORTABILITY AT DEATH OR DIVORCE For coverage continued under this provision, the Beneficiary is named by your Spouse to receive any proceeds payable at your Spouse’s death. While your Spouse’s coverage is in force under this provision, your Spouse may change the Beneficiary by Written request on a form that is acceptable to us. A Beneficiary designation form is available from us. An accepted designation will take effect as of the date it is Signed but will not affect any payment we make or action we take before receiving the Signed form. If your Spouse has made an absolute assignment of insurance, only the current owner may change the Beneficiary designation for proceeds payable at your Spouse’s death. If an irrevocable Beneficiary is named for proceeds payable at your Spouse’s death, the Beneficiary designation can only be changed with the consent of the irrevocable Beneficiary. There can be one or more Beneficiaries for proceeds payable at your Spouse’s death. If two or more Beneficiaries are named and their shares are not specified in the Beneficiary designation, then the Beneficiaries will share any insurance proceeds equally. If a primary Beneficiary does not survive your Spouse, their share will be payable to the remaining primary Beneficiaries. One or more contingent Beneficiaries may be named to receive the proceeds in the event that all of the primary Beneficiaries named do not survive your Spouse. Your Spouse is the Beneficiary for all other proceeds payable. This Beneficiary designation may not be changed. If your Spouse has made an absolute assignment of insurance, then during your Spouse’s lifetime those proceeds are payable to the current owner. PAYMENT OF PROCEEDS FOR PORTABILITY AT DEATH OR DIVORCE For coverage continued under this provision, a Spouse death benefit is payable if your Spouse dies while the Spouse Life Insurance Rider is in force. Other benefits are payable if a covered loss occurs while coverage is in force, and while your Spouse is living. See the CONVERSION provision of the Children’s Life Insurance Rider for information about death benefits payable during the conversion period following your Spouse’s death. To be eligible to receive proceeds, the Beneficiary must be living on the date of your Spouse’s or Child’s death or loss under any rider. Exception: If your Child dies during the conversion period following your Spouse’s death and your Spouse would otherwise have been the Beneficiary, we will pay the Child death benefit proceeds to your Spouse’s estate. If the Beneficiary is eligible to receive proceeds but dies before receiving them, we will pay the proceeds to the Beneficiary’s estate. If there is no eligible Beneficiary, we will pay the proceeds to your Spouse’s estate. MISSTATEMENT OF EVIDENCE OF INSURABILITY FOR PORTABILITY AT DEATH OR DIVORCE If your Spouse’s Premium rates are based on Evidence of Insurability as provided on your Spouse’s application for portability, and your Spouse has 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 Spouse’s Premium to the standard portability Premium rates. Any back Premium due as a result of this adjustment will be required. We will not adjust your Spouse’s Premium after coverage has been continued under this rider for two years during your Spouse’s lifetime. GRACE PERIOD FOR PORTABILITY AT DEATH OR DIVORCE Your Spouse has a grace period of 31 days for the payment of any Premium due. During the grace period coverage will remain in force. If full Premium payment is not received by us by the due date, we will give written notification to your Spouse that if the Premium is not paid by the end of the grace period then all coverage will end 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 your Spouse, and such notice will specify the date all coverage will terminate if the Premium remains unpaid. Your Spouse is required to pay a pro rate Premium for any period coverage was in force during the grace period. Premium payment is required for any grace period, any extension of such period, and any period for which coverage was in effect and Premium was not paid.

ICC18 LR14GP-PTS-2 7 PTS-12995 (11/25) TERMINATION OF PORTABILITY AT DEATH OR DIVORCE 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.  The date your Spouse attains age 75.  The date your Spouse dies.  For each Child’s coverage, the date the Child is no longer an eligible Child as defined by the Children’s Life Insurance Rider. Coverage of a Child who is incapable of self-sustaining employment due to physical or intellectual disability ends when there is no longer evidence satisfactory to us that the incapacity is continuing.  For Children’s coverage, the date there are no longer any eligible Children covered under the Children’s Life Insurance Rider. If your Spouse is continuing coverage under this provision and then later your Spouse becomes eligible as an Active Employee under the Policy, then any amount(s) of coverage continued under this rider will be reduced by the amount(s) of coverage your Spouse has as an Active Employee. Any unearned Premiums paid for ported coverage will be refunded. CONVERSION FOR TERMINATION OF PORTABILITY AT DEATH OR DIVORCE Your Spouse may convert any life insurance amounts that stop when portability under this provision ends for any reason other than nonpayment of Premium, or your Spouse’s death, or your Child reaching the termination age under the Children’s Life Insurance Rider. Conversion is also available for any part of Spouse life insurance that reduces due to a BENEFIT REDUCTION as described on the SCHEDULE OF BENEFITS of any rider or a Policy change. Conversion is also available for any part of Children’s life insurance that reduces due to a Policy change. See the CONVERSION provision of the rider(s). If your Spouse has made an absolute assignment of insurance, only the current owner may apply for conversion under this paragraph. Your Child may convert any Children’s life insurance amount that stops under the Children’s Life Insurance Rider due to your Child reaching the termination age under that rider, or when portability under this rider ends due to your Spouse’s death. If a Child is too young to contract for life insurance after your Spouse’s death, then a parent or a court-appointed guardian of the Child may apply for conversion of that Child’s coverage. See the CONVERSION provision of the rider. Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

ICC18 LR14GP-ADD-2 1 ADD-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate and is subject to all of the provisions, limitations and exclusions of the Policy and Certificate, unless changed by this rider. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. BASIC EMPLOYEE AD&D INSURANCE Basic Employee AD&D insurance is Noncontributory by Employees. Eligible Class(es) Full Amount All Eligible Employees Equal to the amount of Basic Employee life insurance MAXIMUM AMOUNT OF BASIC EMPLOYEE AD&D INSURANCE $50,000 The Basic Employee AD&D insurance amount will not exceed the Basic Employee life insurance amount in force. SUPPLEMENTAL EMPLOYEE AD&D INSURANCE Supplemental Employee AD&D insurance is Contributory by Employees. Eligible Class(es) Full Amount All Eligible Employees Equal to the amount of Supplemental Employee life insurance MAXIMUM AMOUNT OF SUPPLEMENTAL EMPLOYEE AD&D INSURANCE $500,000 not to exceed 5 times your Basic Yearly Earnings ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 CONTENTS Schedule of Benefits................................................ page 1 Definitions................................................................ page 4 General Provisions................................................... page 5 AD&D Benefits......................................................... page 7 Exclusions................................................................ page 11 SCHEDULE OF BENEFITS

ICC18 LR14GP-ADD-2 2 ADD-12995 (11/25) The Supplemental Employee AD&D insurance amount will not exceed the Supplemental Employee life insurance amount in force. EMPLOYEE BENEFIT REDUCTIONS Basic Employee AD&D insurance Your insurance amount will decrease as follows:  To 67% of the original amount on your 70th birthday.  To 45% of the original amount on your 75th birthday. Supplemental Employee AD&D insurance Your insurance amount will decrease as follows:  To 45% of the original amount on your 70th birthday.  To 30% of the original amount on your 75th birthday.  To 20% of the original amount on your 80th birthday.  To 15% of the original amount on your 85th birthday.  To 10% of the original amount on your 90th birthday. Reduced insurance amounts are not rounded. Retiree coverage does not reduce. SUPPLEMENTAL SPOUSE AD&D INSURANCE Supplemental Spouse AD&D insurance is Contributory by Employees. MAXIMUM AMOUNT OF SUPPLEMENTAL SPOUSE AD&D INSURANCE FOR SPOUSE $250,000 not to exceed 50% of the Supplemental Employee life insurance amount in force SPOUSE BENEFIT REDUCTIONS The Spouse insurance amount will decrease as follows:  To 45% of the original amount on your 70th birthday.  To 30% of the original amount on your 75th birthday.  To 20% of the original amount on your 80th birthday.  To 15% of the original amount on your 85th birthday.  To 10% of the original amount on your 90th birthday. Reduced insurance amounts are not rounded. SUPPLEMENTAL CHILDREN’S AD&D INSURANCE Supplemental Children’s AD&D insurance is Contributory by Employees. MAXIMUM AMOUNT OF SUPPLEMENTAL CHILDREN’S AD&D INSURANCE $10,000 Eligible Class(es) Full Amount Spouse Equal to the amount of Supplemental Spouse life insurance Eligible Class(es) Full Amount Child or Children Equal to the amount of Supplemental Children’s life insurance

ICC18 LR14GP-ADD-2 3 ADD-12995 (11/25) The Supplemental Children’s AD&D insurance amount will not exceed the Supplemental Employee AD&D insurance amount in force. You may not elect a higher amount of Supplemental Children’s AD&D insurance than Supplemental Employee AD&D insurance. ACCIDENTAL DEATH BENEFIT For: Benefit Amount: Loss of life Full Amount of AD&D insurance ACCIDENTAL DISMEMBERMENT BENEFITS For: Benefit Amount: Loss of an Arm 50% of the Full Amount of AD&D insurance Loss of a Leg 50% of the Full Amount of AD&D insurance Loss of a Hand 50% of the Full Amount of AD&D insurance Loss of a Foot 50% of the Full Amount of AD&D insurance OTHER ACCIDENTAL LOSS BENEFITS For: Benefit Amount: Loss of Sight in both eyes 100% of the Full Amount of AD&D insurance Loss of Sight in one eye 50% of the Full Amount of AD&D insurance Loss of Speech 50% of the Full Amount of AD&D insurance Loss of Hearing 50% of the Full Amount of AD&D insurance Paralysis of all four limbs 100% of the Full Amount of AD&D insurance Paralysis of three limbs 75% of the Full Amount of AD&D insurance Paralysis of two limbs 50% of the Full Amount of AD&D insurance Paralysis of one limb 25% of the Full Amount of AD&D insurance Coma 2% of the Full Amount of AD&D insurance to a maximum of $24,000 Only one Full Amount is payable for any combination of the losses listed above per Covered Person. For example: if the Covered Person has a loss for which the Benefit Amount paid was 50% of the Full Amount of that Covered Person’s AD&D insurance, then the Benefit Amount for that Covered Person’s next loss will be no more than 50% of the Full Amount.

ICC18 LR14GP-ADD-2 4 ADD-12995 (11/25) ADDITIONAL ACCIDENT BENEFITS Benefit: Additional Amount: Common Accident Equal to 100% of the full Spouse Benefit Amount for loss of life to a maximum of $50,000 Common Carrier Equal to 50% of the full Benefit Amount for the loss to a maximum of $50,000 Safety Belt use Equal to 10% of the full Benefit Amount for loss of life to a maximum of $10,000 Airbag use Equal to 5% of the full Benefit Amount for loss of life to a maximum of $5,000 Transportation/Repatriation Equal to 2% of the full Benefit Amount for loss of life to a maximum of $2,000 Child Care (per child) Equal to 5% of the full Benefit Amount for loss of life annually up to a total of $10,000 for all children Child education (per student) Equal to 5% of the full Benefit Amount for loss of life up to a total of $3,000 for all students per academic year for up to 4 years. Spouse education Equal to 5% of the full Benefit Amount for loss of life up to a total of $3,000 per academic year for up to 4 years Spouse training Equal to 5% of the full Benefit Amount for loss of life to a maximum of $20,000 Occupational assault Equal to 100% of the full Benefit Amount for the loss to a maximum of $10,000 Felonious assault Equal to 10% of the full Benefit Amount for the loss to a maximum of $10,000 DEFINITIONS Accidental Injury means a bodily injury sustained by a Covered Person, which is a direct result of an accident, independent of disease or bodily or mental illness or infirmity or any other cause, and which occurs while the Covered Person’s insurance under this rider is in force. Airbag means a passenger restraint system properly installed in the Automobile in which the Covered Person was riding at the time of the Accidental Injury, which inflates for added protection to the head and chest areas. Automobile means any self-propelled private passenger vehicle which has four or more tires and which is not being used for commercial purposes. Child Care means any facility or private care that:  is licensed as child care by the state,  provides non-medical care and supervision for children, and  is not operated by you or a member of your immediate family. Coma means a state of deep and total unconsciousness from which the comatose person cannot be aroused, as determined by a Doctor, and which continues for a period of 30 days. Common Accident means the same accident or separate accidents that occur within the same 24-hour period, that cause Accidental Injury to both you and your insured Spouse.

ICC18 LR14GP-ADD-2 5 ADD-12995 (11/25) Common Carrier means any commercial transportation that operates on a regularly scheduled basis between predetermined points or cities, and the public conveyance is operated by and licensed for passenger service. Covered Person means:  You, if you are covered for life insurance under the Policy.  Your Spouse who is covered for Supplemental coverage under the Spouse Life Insurance Rider.  Your Children who are covered for Supplemental coverage under the Children’s Life Insurance Rider. For benefits other than death, this includes your Children from the date of birth. Doctor means a person who is licensed to practice medicine in the state in which treatment is received and providing treatment or advice in accordance with the license. State law may require consideration of professional services of a practitioner other than a medical physician. If so, then this definition includes persons recognized as qualified to treat the condition for which claim is made by the state in which treatment is received. This definition does not include you or your spouse, or your or your spouse’s children, parents, grandparents, grandchildren, siblings and their spouses. Loss of a Foot means the foot is permanently severed from the body at or above the ankle but below the knee. Loss of a Hand means the hand is permanently severed from the body at or above the wrist, but below the elbow. Loss of a Hand includes loss of the thumb and index finger of the same hand where the thumb and index finger are permanently severed through or above the metacarpophalangeal joints (i.e. the third joint from the tip of the finger or the second joint from the tip of the thumb). Loss of a Leg means the leg is permanently severed from the body at or above the knee. Loss of an Arm means the arm is permanently severed from the body at or above the elbow. Loss of Hearing means the entire and irrevocable loss of hearing in both ears, as determined by a Doctor. Loss of Sight means permanent and uncorrectable loss of sight in an eye, as determined by a Doctor. The visual acuity must be 20/200 or worse in the eye, or the field of vision must be less than 20 degrees. Loss of Speech means the entire and irrevocable loss of speech as determined by a Doctor. Paralysis means the total impairment of voluntary movement and sensory function of a limb (arm or leg), without severance, and the paralysis is determined by a Doctor to be permanent, complete and irreversible. Safety Belt means a passenger restraint system properly installed in the Automobile in which the Covered Person was riding at the time of the Accidental Injury, which consists of a belt or strap. GENERAL PROVISIONS ELIGIBILITY If you are working for the Employer in an eligible class (shown in the Certificate’s SCHEDULE OF BENEFITS), you are eligible for this rider on the latest of the following dates:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date. ENROLLMENT If you are eligible for AD&D coverage, you must enroll for Contributory AD&D coverage before Contributory coverage will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment.

ICC18 LR14GP-ADD-2 6 ADD-12995 (11/25) No enrollment is required if the Policy replaces a group policy issued by us or by another insurance company, and you were covered under the prior policy on the day before that policy was replaced by our Policy. The amount of Contributory AD&D coverage that becomes effective on our Policy effective date will be at the same level as under the prior policy, subject to the terms of our Policy including any maximum coverage amounts under our Policy. EFFECTIVE DATE For Noncontributory coverage, each Covered Person will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date the Covered Person is eligible for coverage. For Contributory coverage, each Covered Person will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date the Covered Person is eligible for coverage, if you enroll for coverage on or before that date.  The date you enroll for coverage.  The date you return to Active Employment, if you are not in Active Employment when the Covered Person’s coverage would otherwise become effective. Exception: Coverage starts on a non-working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences. EFFECTIVE DATE OF CHANGES TO COVERAGE Once AD&D coverage begins, any increased or additional Contributory coverage will take effect on the latest of the following:  The date of the increased or additional coverage, if you are in Active Employment.  The date you return to Active Employment, if you are not in Active Employment on the date the increased or additional coverage would otherwise start. Any decrease in coverage other than benefit reductions noted on the SCHEDULE OF BENEFITS will take effect immediately but will not affect a payable claim that occurs prior to the decrease. TERMINATION This rider will terminate on the earliest of the following:  The date your life insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong.  The end of the period for which Premiums for this rider are paid if the next Premium is not paid by its due date, subject to the Policy's grace period.  The date you voluntarily cancel this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  The date you retire from Active Employment with the Employer.  For your Spouse's coverage, the date the Spouse Life Insurance Rider terminates.  For each Child's coverage, the date your Child's coverage under the Children's Life Insurance Rider terminates.  For your Spouse's coverage, the date you voluntarily cancel Contributory Spouse AD&D coverage under this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  For your Children's coverage, the date you voluntarily cancel Contributory Children's AD&D coverage under this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  The date a claim is approved under the Waiver of Premium Rider. Termination will not prejudice the payment of benefits for a covered loss caused by an Accidental Injury that occurs while the Covered Person is insured under this rider. CONVERSION When coverage under this rider terminates, conversion of AD&D coverage to an individual policy is not available.

ICC18 LR14GP-ADD-2 7 ADD-12995 (11/25) INCONTESTABILITY Any statement made by you or your Spouse or Child is considered a representation and not a warranty. Except for fraud, we will not use such statement to contest insurance under this rider after it has been in force for two years during the Covered Person’s lifetime. Except for fraud, we will not use such statement to contest an increase or benefit addition to such insurance, after the increase or benefit has been in force for two years during the Covered Person’s lifetime. 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 when 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. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date. AD&D BENEFITS We pay an AD&D benefit if we receive Written proof that a Covered Person suffered a covered loss (as described below) as the result of an Accidental Injury. The Covered Person must be insured under this rider on the date of the Accidental Injury, and the cause of the loss must not be excluded. The AD&D benefit is the amount for the eligible class and for the loss as shown on the SCHEDULE OF BENEFITS in effect on the date of the Accidental Injury. If any benefit described below indicates that it is payable to you if living, and you are not the current owner of coverage under the Certificate or riders on the date of the loss, then those benefit proceeds are payable to the current owner. See the Portability Rider for information about the eligible Beneficiary for continued coverage after your death or divorce. Accidental Death A benefit is payable to the Beneficiary if an Accidental Injury causes a Covered Person’s death within 180 days of the Accidental Injury. See the Certificate and riders for more information about the Beneficiary. We will presume that the Covered Person died as a result of Accidental Injury if all of the following are true:  The conveyance in which the Covered Person was traveling (including but not limited to an automobile, airplane, ship or train) disappears, sinks or is wrecked.  The body of the Covered Person is not found.  A reasonable period of time, but not more than 365 days has elapsed from the later of the date the conveyance was scheduled to arrive at its destination or the date the Covered Person was reported missing to the authorities. If we pay an Accidental Death benefit due to the Covered Person’s disappearance and it is later found that the Covered Person is alive, the benefits paid must be refunded to us. Accidental Dismemberment A benefit is payable if an Accidental Injury causes a Covered Person’s loss of a covered limb or appendage within 180 days of the Accidental Injury. The types of and benefit amounts for covered Accidental Dismemberment losses are shown on the SCHEDULE OF BENEFITS. Accidental Dismemberment benefits are payable to you if living, otherwise to the Beneficiary. If Accidental Injury causes more than one loss to the same covered limb or appendage, only the largest benefit for the loss will be payable.

ICC18 LR14GP-ADD-2 8 ADD-12995 (11/25) Other Accidental Loss A benefit is payable if an Accidental Injury causes a Covered Person’s loss as described below. The benefit amounts for these covered losses are shown on the SCHEDULE OF BENEFITS. These benefits are payable to you if living, otherwise to the Beneficiary. Loss of Sight: The Covered Person has a Loss of Sight in one or both eyes, and the Loss of Sight is continuous for 180 days following the date the Loss of Sight began. Loss of Sight must be diagnosed within 180 days of the Accidental Injury. Loss of Speech: The Covered Person has a Loss of Speech that is continuous for 180 days following the date the Loss of Speech began. Loss of Speech must be diagnosed within 180 days of the Accidental Injury. Loss of Hearing: The Covered Person has a Loss of Hearing in both ears, and the Loss of Hearing is continuous for 180 days following the date the Loss of Hearing began. Loss of Hearing must be diagnosed within 180 days of the Accidental Injury. Paralysis: The Covered Person has Paralysis of one or more limbs. Only one Paralysis benefit is payable per Accidental Injury. Paralysis must be diagnosed within 180 days of the Accidental Injury. Coma: The Covered Person is in a Coma that is continuous for 30 days following the date the Coma began. A Coma must be diagnosed within 180 days of the Accidental Injury. Additional Accident Benefits When a benefit is payable under this rider for Accidental Death, Accidental Dismemberment or Other Accidental Loss, an Additional Accident Benefit may be payable under the terms described below. The additional benefit amounts are shown on the SCHEDULE OF BENEFITS. These benefits are payable to you if living, otherwise to the Beneficiary. Common Accident: You and your insured Spouse die within one year of each other due to Accidental Injuries received in a Common Accident. Only one Common Accident benefit is payable under this rider. This benefit is payable to your Beneficiary. Common Carrier: The Accidental Injury occurs while the Covered Person is traveling as a passenger in or on a public conveyance classified as a Common Carrier, including entering into or departing from the Common Carrier. A passenger does not include a person who is performing duties for the Common Carrier as part of their employment. Safety Belt use: The Accidental Injury causing death occurs while the Covered Person is riding in an Automobile equipped with Safety Belts, and the Covered Person was wearing a properly fastened Safety Belt at the time of the Accidental Injury. If the accident report or other accident records can’t verify the Safety Belt use, and payment of this benefit would not otherwise be excluded, then a flat benefit amount of $1,000 is payable. This benefit is not payable if the death was caused or contributed to by any use of intoxicating liquors, marijuana, narcotic drugs, depressants or similar substances, whether or not prescribed by a Doctor, by the Covered Person or by the driver of the Automobile in which the Covered Person was riding. Airbag use: The Accidental Injury causing death occurs while the Covered Person is riding in an Automobile equipped with an Airbag for the Covered Person’s seat in which the Airbag for the Covered Person’s seat operated properly upon impact at the time of the Accidental Injury. The Covered Person must also have been wearing a properly fastened Safety Belt at the time of the Accidental Injury. If the accident report or other accident records can’t verify the Airbag use, and payment of this benefit would not otherwise be excluded, then a flat benefit amount of $1,000 is payable. This benefit is not payable if the death was caused or contributed to by any use of intoxicating liquors, marijuana, narcotic drugs, depressants or similar substances, whether or not prescribed by a Doctor, by the Covered Person or by the driver of the Automobile in which the Covered Person was riding.

ICC18 LR14GP-ADD-2 9 ADD-12995 (11/25) Transportation/Repatriation: The Covered Person’s accidental death occurs at least 100 miles from the Covered Person’s primary residence. Child Care: Your dependent child under age 13 is enrolled in Child Care within 31 days of the date of a Covered Person’s death for which a benefit is payable under this rider. No Child Care benefit is payable for your insured Child’s death. You or the Beneficiary must provide proof annually that your child remains eligible. Benefits will stop when your child is no longer eligible. If you do not have an eligible dependent child, a flat benefit amount of $1,000 is payable. Child education: Your dependent child is enrolled as a full-time student in an accredited post-secondary institution of higher learning beyond grade 12 within 365 days following the date of a Covered Person’s death for which a benefit is payable under this rider. No child education benefit is payable for your insured Child’s death. To be considered full-time, your child’s full-time school attendance must be 6 months or more in each annual period following enrollment. Benefits are payable at the end of each annual period following enrollment. You or the Beneficiary must provide proof annually that your child remains eligible. Benefits will stop when your child is no longer eligible. A dependent child for this benefit has the same meaning as a Child under the Children’s Life Insurance Rider. If you do not have an eligible dependent child, a flat benefit amount of $1,000 is payable. Spouse education: Your spouse is enrolled as a full-time student in an accredited post-secondary institution of higher learning beyond grade 12 within 365 days following the date of your death for which a benefit is payable under this rider. No spouse education benefit is payable for your insured Spouse’s or Child’s death. To be considered full- time, your spouse’s full-time school attendance must be 6 months or more in each annual period following enrollment. Benefits are payable at the end of each annual period following enrollment. The Beneficiary must provide proof annually that your spouse remains eligible. Benefits will stop when your spouse is no longer eligible. A spouse for this benefit has the same meaning as a Spouse under the Spouse Life Insurance Rider. If you do not have an eligible spouse, a flat benefit amount of $1,000 is payable. Spouse training: Your spouse is enrolled in a professional or trade training program for the purpose of obtaining an independent source of support and maintenance following your death for which a benefit is payable under this rider. The actual cost of the training program must be incurred within 365 days of your death. No spouse training benefit is payable for your insured Spouse’s or Child’s death. Benefits are payable upon proof of enrollment and that an actual cost for the training was incurred. A spouse for this benefit has the same meaning as a Spouse under the Spouse Life Insurance Rider. If you do not have an eligible spouse, a flat benefit amount of $1,000 is payable. Occupational assault: Your loss for which a benefit is payable under this rider is the result of an intentional and unlawful act of physical violence directed at you by another person while you were performing assigned duties of your employment with the Employer. A report of criminal activity must be filed by you or on your behalf with the appropriate law enforcement authority within 48 hours of the assault. No occupational assault benefit is payable for your insured Spouse’s or Child’s loss. If an occupational assault benefit and a felonious assault benefit would be otherwise payable for the same loss, then only the larger of the benefits will be payable. Felonious assault: Your loss for which a benefit is payable under this rider is the result of a violent or criminal act directed at you by another person during the course of or attempt at robbery or hold-up, or a kidnapping involving Policyholder funds. No felonious assault benefit is payable for your insured Spouse’s or Child’s loss. If a felonious assault benefit and an occupational assault benefit would be otherwise payable for the same loss, then only the larger of the benefits will be payable.

ICC18 LR14GP-ADD-2 10 ADD-12995 (11/25) NOTICE OF CLAIM AND PROOF OF LOSS You or the Beneficiary must send us Written notice of claim within 90 days after the date of loss. Failure to give notice within 90 days will not invalidate or reduce any claim if it is shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible. Notice of claim includes proof of loss. Proof of loss for a death claim consists of a certified copy of the Covered Person’s death certificate or other lawful evidence providing equivalent information, and proof of the claimant’s interest in the proceeds. Proof of loss for any other claim consists of information from the Covered Person’s Doctor, at your expense, regarding the Covered Person’s loss that is covered under this rider. We may require additional information from the Employer in order to verify eligibility. Proof of loss, including any attachments indicated on the claim form(s) as required, should be sent directly to us at the address indicated on the form(s). A claim form is available from the Employer or us. We will review proof of loss we receive in order to determine our liability and the correct payee(s). PHYSICAL EXAMINATION We may require the Covered Person to be examined, at our expense, by one or more Doctors or other medical practitioners of our choice. We can require an examination as often as it is reasonable to do so for the duration of a claim. PAYMENT OF PROCEEDS If the Beneficiary is not living on the date payment is made, benefits are payable to the Beneficiary’s estate. We will pay the death benefit to the Beneficiary in one sum or in a method comparable to one sum. Other methods of payment may be made available to the Beneficiary at the time of claim. Any payment we make in good faith will discharge our liability to the extent of such payment. DENIALS AND APPEALS FOR PLANS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 (ERISA) - APPLICABLE TO ALL OTHER CLAIMS Refer to the Certificate provision.

ICC18 LR14GP-ADD-2 11 ADD-12995 (11/25) EXCLUSIONS Benefits under this rider are not payable for any loss caused or contributed to by any of the following:  Suicide or attempted suicide, or intentionally self-inflicted injury, regardless of mental capacity.  Disease or infirmity of mind or body, or medical and surgical treatment for such disease or infirmity.  An infection, other than an infection that is a direct result or consequence of an Accidental Injury.  War or any act of war, whether declared or undeclared, other than acts of terrorism.  Accidental Injury that occurs while on full-time active duty as a member of the armed forces of any country or subdivision thereof. We will refund, upon written notice of such service, any Premium that has been accepted under this rider for any period not covered as a result of this exclusion.  Active participation in a riot, insurrection or terrorist activity.  Committing or attempting to commit a felony.  Participation in an illegal occupation or activity.  Intoxication as defined by the jurisdiction where the accident occurred.  Voluntary intake or use by any means of any drug, other than those prescribed or administered by a Doctor and taken in accordance with the Doctor’s instructions or an over-the-counter drug taken in accordance with the manufacturer’s instructions.  Voluntary intake or use by any means of poison, gas or fumes, unless a direct result of an occupational accident.  Travel in or descent from an aircraft, if the Covered Person acted in a capacity other than as a passenger.  Travel in an aircraft or device used for testing or experimental purposes, used by or for any military authority, used for travel beyond the earth’s atmosphere.  Riding in or driving an air, land or water vehicle in a race, speed or endurance contest. Benefits under this rider are not payable for loss caused or contributed to by a Covered Person’s Accidental Injury that occurs while the Covered Person is incarcerated. Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

Open Class Retirees 1 RD12995 ELIGIBLE CLASS(ES) Class 4: Retired Administrators under age 65 who are receiving retirement benefits under an eligible retirement plan sponsored by the Employer. Class 5: Retired Administrator Age 65 to Age 70 Option 1 who are receiving retirement benefits under an eligible retirement plan sponsored by the Employer. Class 6: Retired Administrator Age 65 to Age 75 Option 2 who are receiving retirement benefits under an eligible retirement plan sponsored by the Employer. You must be an Employee of the Employer and in an eligible class. BASIC LIFE INSURANCE Basic life insurance is Noncontributory by Employees. Eligible Class(es) Amount Class 4 Retirees Class 5 Retirees Class 6 Retirees 1 times your Basic Yearly Earnings, coverage terminates at age 75 0.5 times your Basic Yearly Earnings, coverage terminates at age 75 0.25 times your Basic Yearly Earnings, coverage terminates at age 75 RELIASTAR LIFE INSURANCE COMPANY Minneapolis, Minnesota CERTIFICATE ENDORSEMENT SCHEDULE OF BENEFITS The SCHEDULE OF BENEFITS in your Certificate D12995 includes this Schedule of Benefits. Please keep this Schedule of Benefits with your Certificate. This Schedule of Benefits is subject to all other terms of the Certificate. EMPLOYER(S): Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 Applicable only to All Eligible Retirees in Class 4, Class 5 or Class 6 An insurance amount that does not equal an increment of $1,000 is rounded to the next higher $1,000.

Open Class Retirees 2 RD12995 MAXIMUM AMOUNT OF BASIC LIFE INSURANCE FOR CLASS 4 RETIREES $240,000 MAXIMUM AMOUNT OF BASIC LIFE INSURANCE FOR CLASS 5 RETIREES $120,000 MAXIMUM AMOUNT OF BASIC LIFE INSURANCE FOR CLASS 6 RETIREES $60,000 Please insert this Endorsement with your Certificate. EFFECTIVE DATE This Schedule of Benefits is effective for you on the latest of the following dates:  January 1, 2026  The effective date of your insurance. Melissa A. O'Donnell Secretary

LR14GP-ASP-24 1 ASP-12995 (11/25) This rider is made a part of the Group Term Life Insurance Certificate. Unless expressly changed by this rider, the terms used in this rider have the same meaning as in the Certificate. NOTICE OF ADDITIONAL SERVICES ReliaStar Life Insurance Company (“we,” “us,” “our”) and the Policyholder may agree to additional services provided by third party vendors. Charges for these additional services and all or a portion of the cost for these additional services may be remitted to us by the Policyholder or directly billed to the insured person as agreed to by the Policyholder. Third party vendors are solely liable for providing additional services. We will not be responsible for providing or failing to provide the additional services to eligible individuals. Further, we will not be liable to eligible individuals for the negligent provision of the additional services by third party vendors. We may discontinue additional services with 30 days prior written notice to the Policyholder. EMPLOYEE ASSISTANCE PROGRAM Provides help to employees and their family members when dealing with personal and health-related issues that may negatively impact their job performance, health and well-being. FUNERAL PLANNING AND CONCIERGE SERVICES Funeral planning and concierge services offer funeral planning services before and after death. TRAVEL ASSISTANCE Available when travelling more than 100 miles from their primary residence or in another country, for trips 180 days or less, travel assistance offers Emergency Medical Transport Services, Medical Assistance Services, Travel Assistance Services including pre-trip information and Security Assistance Services. WILL PREPARATION SERVICES Will preparation services help individuals create a variety of end-of-life legal documents. ADDITIONAL SERVICES RIDER RELIASTAR LIFE INSURANCE COMPANY 250 Marquette Avenue, Suite 900, Minneapolis, Minnesota 55401 POLICYHOLDER: Noblesville Schools GROUP POLICY NUMBER: 73058-1GAT2 Executed at our home office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary

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