SECTION3-ELIGIBILITY DEFINITIONS NEWEMPLOYEEmeansanEmployeewhoisemployedbytheGroupPolicyholderonoraftertheGroup Policyholder’s Effective Date. PRESENTEMPLOYEEmeansanEmployeewhoisemployedbytheGroupPolicyholderbeforetheGroup Policyholder’s Effective Date. WAITINGPERIODmeanstheperiodofdaysbeginningontheEmployee’shiredatethatanEmployeemustbe continuously Actively at Work prior to becoming eligible for Personal Insurance. Present Employees will be given credit for time insured under the Group Policyholder’s prior group life insurance contract if the policy replaces the samecoverageavailable under the prior group life insurance contract. The Waiting Period is stated in the Schedule of Benefits. Ontheeffective date of the policy, an Employee becomes eligible for Personal Insurance if: 1) the Employee has fulfilled the Waiting Period, if any, and is Actively at Work; or 2) the Employee has fulfilled the Waiting Period, if any, and is not Actively at Work due to being on an Employer-approvedleave of absence other than for injury or Sickness; or 3) the Employee has fulfilled the Waiting Period, if any, and is not Actively at Work due to being on Temporary Lay-off. After the effective date of the policy and while the policy is in force, an Actively at Work Employee becomes eligible for Personal Insurance on: 1) the date the Employee fulfills the Waiting Period, if any, if that date is the first day of the Coverage Month; or 2) the first day of the Coverage Month next following the date the Employee fulfills the Waiting Period, if any, if that date is not the first day of the Coverage Month. TOREMAINELIGIBLEFORPERSONALINSURANCEANDDEPENDENTINSURANCE,IFANY, EMPLOYEESMUSTCONTINUOUSLYMEETTHEABOVEREQUIREMENTS. GC2510.4B SECTION3-ELIGIBILITY (FOM)