WAIVER OF PREMIUM BENEFIT We will waive premiums for a certificate and any attached rider(s) if the accelerated death benefit is paid. This waiver of premium is in lieu of any other premium waiver benefit provided by a certificate or any attached rider(s). EFFECT OF PAYMENT After we pay the accelerated death benefit, the certificate death benefit, cash value, and any certificate debt will be reduced accordingly on a pro rata basis. DEATH BEFORE PAYMENT If the insured dies before we pay the accelerated death benefit, we will void the certificate holder’s request for the accelerated death benefit and pay the certificate death benefit pursuant to the policy. ORDER IN WHICH REQUESTS ARE APPLIED If the certificate holder requests payment of an accelerated death benefit under this rider and any other rider(s), we will pay the accelerated death benefit under each rider based on the order in which the requests are received. INCONTESTABILITY Any statement made by the policyholder will be considered a representation and not a warranty. We rely on the statements made in the application for group insurance for this rider. We will not use any statement the policyholder makes to void this rider after it has been in force for 2 years from the date of issue. TERMINATION This rider terminates at the earliest of: 1. the date the policy is terminated; 2. the date this rider is terminated under the policy; or 3. the date we receive the policyholder’s written request to terminate this rider. Termination will not prejudice the payment of an accelerated death benefit for a terminal illness or condition that occurred while this rider was still in force. Signed for AMERICAN HERITAGE LIFE INSURANCE COMPANY at its Home Office. Secretary President GWPTI Page 2