SECTION20-DEPENDENTINSURANCE SECTION20J-PAYMENTOFDEATHBENEFITS PAYMENTOFDEATHBENEFITS UponthedeathofaninsuredDependent,benefitswill be paid in the same manner as in Section 15. Benefits will be paid in a lump sum: 1) to You; 2) to Your Beneficiary, if You are not living; or 3) asprovided in Section 18. GC2510.32 SECTION20-DEPENDENTINSURANCE SECTION20J-PAYMENTOFDEATHBENEFITS

Group Term Life Insurance Certificate - Page 45 Group Term Life Insurance Certificate Page 44 Page 46