GENERAL CERTIFICATE PROVISIONS (Continued) RECEIPT OF PREMIUMS The certificate holder will be given credit for premiums under the certificate and any attached rider(s) at the time the premiums are actually received by us or our authorized agent. The policyholder and financial institutions (such as banks and credit unions) who send the premiums to us directly at the employee’s or member’s request are not our agents, and premiums paid by those parties are not credited until actually received by us. COOPERATION OF BENEFICIARY The beneficiary must reasonably cooperate during any investigation and/or adjudication of a claim. This includes the authorization for the release of medical records and other information. APPEALS PROCEDURE The certificate holder, or his or her beneficiary, has the right to appeal any denial of benefits under this policy, or any attached rider(s), up to two times. A written request for review must be submitted to us at 1776 American Heritage Life Drive, Jacksonville, Florida 32224-6687 within 60 days of the denial of benefits. LEGAL ACTION Prior to filing any legal action for benefits under this policy or any attached rider(s), the certificate holder or his or her beneficiary must appeal the denial of such benefit. The time limit on legal actions for loss covered by this policy is subject to applicable law in the state where this policy was issued. (This space intentionally left blank.) GWLPIN Page 16