SECTION18-DETERMINATIONOFBENEFICIARY Onceacceptableproof of death is received, AUL will determine the Beneficiaries or payees in the following order: 1) If more than one primary Beneficiary is listed and no distributive share is indicated, then all primary Beneficiaries will share equally. 2) If no primary Beneficiaries outlive You and there is no distributive share indicated among contingent Beneficiaries, then all contingent Beneficiaries will share equally. 3) If no named Beneficiaries outlive You or none were named, then at AUL’s option, a surviving relative. Relatives will be considered in descending order of preference as follows: a) spouse; b) natural and legally adopted child(ren); c) parent(s); or d) brother(s) and sister(s). 4) If Your estate is not substantial and there are no statutory requirements to the contrary, at AUL’s option, benefits maybepaidtotheclosestsurviving heir(s) under applicable small estate laws. 5) If no named Beneficiaries outlive You or none were named, then at AUL’s option, Your estate. AULmay,atitsoption,paytheproceedsinanamountupto$2,000toanyindividualappearingtoAULtobelegally entitled to payment by reason of having paid funeral or other burial expenses related to Your death. In the event You and Your Dependents should die simultaneously or if there is no clear evidence as to which individual died first, it shall be presumed that the Dependents should have predeceased You. If any Beneficiary dies within 15 days after Your death, the Beneficiary will be treated as having died before You. This provision does not apply to any payment mailed to such Beneficiary during the 15 days following Your death, and any payment made in good faith shall fully discharge AUL. SECTION19-SELECTIONOFPAYMENTMETHOD Theproceedswill be paid in a lump sum unless another payment method is selected or changed by giving written notice to AUL prior to Your death. If no payment method is in effect at death, the payee may select a payment method. For information concerning payment method options, You or payee should contact AUL. Benefits will be paid only if AUL decides in its discretion the person is entitled to them and after AUL approves the paymentmethod.Anypersonwhobecomesentitledtoreceiveanyportionof the proceedsunder the policy shall be entitled to receive payment of interest if any payment is not received by such person within 30 days after the event giving rise to the obligation and after all requested information is received by AUL. Interest payable shall be calculated at an annual rate after all requested information is received by AUL. The rate of interest payable shall be the lesser of 3% or that rate, as determined from time to time by AUL, applicable to proceeds of life insurance left on deposit with AUL and subject to withdrawal on demand. For the purposes of this section, payment shall be deemed to have been received by the person when deposited by AUL in United States mail, postage prepaid, and directed to the person’s last known address or the Group Policyholder’s address shown in AUL’s records. Other than lump sum payment, AUL reserves the right to specify the minimum periodic payment when a method is to becomeeffective. GC2510.20A SECTION18-DETERMINATIONOFBENEFICIARY SECTION19-SELECTIONOFPAYMENTMETHOD