SECTION21-GENERALPOLICYPROVISIONS Continued GRACEPERIOD:PremiumsareduemonthlyandmustbereceivedbyAULwithintherequiredtimeframefor coverage to remain in force. You are entitled to a grace period of 31 calendar days for the payment of any premium due except the first. During the grace period, the insurance coverage shall continue in force, unless AUL has received written notice of termination in advance of date of termination and in accordance with the terms of the policy. Group Policyholder is liable to AUL for the payment of a pro rata premium for the time the policy was in force during the grace period. If the required amount of premium is not received by the end of the grace period, the insurance will terminate as of the last day of coverage for which premium was paid. LEGALACTION:Nolegalactionmaybebroughttoobtainbenefitsunderthepolicy: 1) for at least 60 days after proof of loss has been furnished and before arbitration is held pursuant to the arbitration provisions in the policy; or 2) after three (3) years from the time written proof of loss is required to have been furnished to AUL. CONFORMITYWITHSTATELAWS:Anyprovisionofthepolicyinconflictwiththelawsofthestateinwhichitis delivered is amended to conform to the minimum requirements of those laws. DATAANDRECORDS:TheGroupPolicyholdermustfurnishinformationwhichAULreasonablyrequires.The GroupPolicyholder’s documents which may have a bearing on the insurance shall be open for inspection by AUL at all reasonable times. GENDERPRONOUNS:Wheneverthemalepronounisused,itshallalsomeanthefemale. CERTIFICATES:Ifthereisanydiscrepancybetweentheprovisionsof any certificateand the provisions of the policy, the provisions of the policy will govern. ASSIGNMENT:YoumaymakeanabsoluteassignmentofallbenefitsandrightsofYourcoverage.Anycoverageis assignable to the extent permitted by law except that no collateral assignment is permitted. No assignment is binding unless filed with AUL in a form acceptable to it. AUL assumes no responsibility for the validity or effect of any assignment. CLAIMSOFCREDITORS:Thebenefitspaidunderthepolicywillbeexemptfromtheclaimsofcreditorstothe maximumextentpermittedbylaw. CLERICALERROR:ClericalerroronthepartoftheGroupPolicyholderorAULwillnotinvalidateinsurance otherwise in force or continue insurance otherwise validly terminated. Upon discovery of an error, an equitable adjustment will be made in the premiums and/or benefits, if appropriate. MISSTATEMENTOFAGE:IfYourageorYourDependenthasbeenmisstated,thebenefitswillbepayablebased on the true facts. Premium adjustment will be made so that AUL will receive the actual premium required based on the true facts. Any adjustment of benefits due to the correction of age will also be made. GC2510.33/1 SECTION21-GENERALPOLICYPROVISIONS