SECTION21-GENERALPOLICYPROVISIONS ENTIRECONTRACT:Thepolicy,theenrollmentformsoftheindividuals,theapplicationof the Group Policyholder, and any amendmentsmadefromtimetotimeconstitutethe entire contract between the parties. AMENDMENTandCHANGES:ThepolicymaybeamendedbymutualagreementbetweentheGroupPolicyholderand AULbutwithoutprejudiceto any valid claim incurred prior to the effective date of the amendment. The policy may be changed or corrected by AUL at any time. However, no change in the policy will be valid unless written notice is provided by AULcontainingthesignature of its Chief Executive Officer or Secretary. No other person can alter or waive the conditions of the policy or make any agreement that shall be binding upon AUL. No agent may or has the authority to waive, alter or change any terms and conditions of the policy or coverage. INCONTESTABILITY:Thevalidityofanycoverageunderthepolicymaynotbecontested,exceptfornonpaymentof premiums, after the policy has been in force for two years after its date of issue, and other than a misrepresentation of a material fact, no statement made by Group Policyholder or You or Your Dependent relating to Your insurability may be used in contesting the validity of the insurance with respect to which the statement was made, unless: (1) the insurance has not been in force for a period of two years or longer; or (2) the statement is contained in a written instrument signed by the Group Policyholder or You or Your Dependent. However, AUL is not precluded from asserting at any time any defenses based upon provisions in the policy relating to eligibility for coverage. All statements made by the Group Policyholder or by the EmployeesorDependentsinsuredareto be deemedrepresentationsand not warranties, and that other than a misrepresentation of a material fact no statement made by any person insured may be used in any contest unless a copy of the instrument containing the statement is or has been furnished to the Employees or Dependents or, in the event of death or incapacity of the EmployeeorDependent,totheEmployee’sorDependent’sbeneficiaryor personal representative. INSURANCEFRAUD:AULwantstoensurethatitscustomersdonotincuradditionalinsurancecostsasaresultoftheactof insurance fraud. AUL promises to focus on all means necessary to support fraud detection, investigation and prosecution. Anypersonwhoknowinglypresentsafalseorfraudulentclaimfor payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison. RELATIONSHIP:AULandtheGroupPolicyholderare,andwillremain,independentcontractors.Nothingin the policy shall be construed as making the parties joint ventures or as creating a relationship of employer and employee, master and servant, or principal and agent. Neither party has any power, right or authority to bind the other or to assume or create any obligation or responsibility on behalf of the other. AUL and the Group Policyholder each retain exclusive control of their time and methods to perform their respective duties. AUL and the Group Policyholder will employ, pay and supervise their own employeesandpaytheir own expensesduring the term of the policy. DISCRETIONARYAUTHORITY:BenefitsunderthepolicywillbepaidonlyifAULdecidesinitsdiscretionthatthe applicant is entitled to them. Except for the functions the policy explicitly reserves to a Group Policyholder, AUL reserves the right to: 1) managethepolicy and administer claims under it; and 2) interpret the provisions and resolve questions arising under it. AUL’sauthority includes, but is not limited to, the right to: 1) establish and enforce procedures for administering the policy and claims under it; 2) determine applicant’s eligibility for insurance and entitlement to benefits; 3) determine what information AUL reasonably requires to make such decisions; and 4) resolve all matters when a claim review is requested. Anydecisionthat AULmakes,in the exercise of its authority, will be conclusive; subject to Your or Your beneficiary’s right to request reviews allowed under applicable laws. GC2510.33 SECTION21-GENERALPOLICYPROVISIONS