TABLEOFCONTENTS (Continued) DependentInsurance 20 Eligibility 20A Individual Effective Date--Non-Contributory Insurance (Basic) 20B Changesin Insurance Coverage 20C WaiverofPremium 20D Individual Terminations 20E Conversion Privilege 20F DependentSpouseAcceleratedLife Benefit 20H PaymentofDeathBenefits 20J General Policy Provisions 21 GC2510.1 TABLEOFCONTENTS

Group Term Life Insurance Certificate with Accelerated Life Benefit - Page 3 Group Term Life Insurance Certificate with Accelerated Life Benefit Page 2 Page 4