AMERICAN HERITAGE LIFE INSURANCE COMPANY 1776 American Heritage Life Drive, Jacksonville, Florida 32224-6687 POLICY AMENDMENT This amendment is attached to and made a part of the policy. All definitions, exclusions, limitations, terms, conditions, and provisions of the policy apply to this amendment. If there is a conflict between this amendment and the policy, this amendment will control. The policy is amended as follows: • The METHOD OF CALCULATION provision under the CERTIFICATE LOAN AND NON-FORFEITURE OPTIONS section is deleted and replaced with the following: METHOD OF CALCULATION Cash values and paid-up benefits are computed using the Standard Non-forfeiture Method and the mortality table and interest rate shown in the Certificate Specifications. All other requirements of the policy not specifically stated within this amendment still apply. Secretary GWPMOCAMD