SECTION1-SCHEDULEOFBENEFITS BASICINSURANCE CLASS001 GUARANTEEDISSUEAMOUNT:$350,000.AnyamountofcoverageforwhichYourequestgreaterthanthe Guaranteed Issue Amount will only be available following written approval by AUL. Approval will be based on Evidence of Insurability and information satisfactory to AUL. If coverage for amounts greater than the Guaranteed Issue Amount is approved, coverage will begin on the date identified in writing by AUL. See Section 4, Individual Effective Date. INDIVIDUALEFFECTIVEDATE:FirstoftheMonth.SeeSection4. INDIVIDUALREINSTATEMENTS:FirstoftheMonth.SeeSection11. INDIVIDUALTERMINATIONS:EndoftheMonth.SeeSection9. TERMINATIONS:TerminationsaregovernedbytheIndividualTerminationsSection.SeeSection9. TOTALDISABILITY:ThedefinitionforTotalDisabilityandTotallyDisabledincludedin this certificateis the standard any occupation definition. See Section 2. WAITINGPERIODforPresentEmployeeshiredbeforethepolicyeffectivedate:Firstof the Month following 0 days. See Eligibility Section 3. WAITINGPERIODforNewEmployeeshiredonorafterthepolicyeffectivedate:FirstoftheMonthfollowing0 days. See Eligibility Section 3. WAIVEROFPREMIUMFORTOTALDISABILITY:Thisbenefitisincludedinthiscertificate. Reductions are not applicable to this benefit. See Section 8. GC2510.2 SECTION1-SCHEDULEOFBENEFITS