CERTIFICATE LOAN AND NON-FORFEITURE OPTIONS (Continued) NON-FORFEITURE (Continued) When a non-forfeiture option is elected, any rider(s) attached to that certificate will terminate. If the insured dies before a non-forfeiture request becomes effective, we will void the certificate holder’s request for that non-forfeiture option and pay the death benefit pursuant to this policy. METHOD OF CALCULATION Cash values and paid-up benefits are computed based on the Standard Non-forfeiture Method using the applicable Commissioners Standard Ordinary (CSO) mortality table and maximum interest rate allowed by law at the time of the certificate effective date. This method is stated in the insurance laws of the state where this policy is delivered. The values are not less than the minimums required by the Standard Non-forfeiture law of the state where the policy is delivered. PAYMENTS BY US AND RIGHT TO DEFER PAYMENT We have the right to wait up to 6 months after written notice to us before we: 1. pay the net surrender value; or 2. make a certificate loan, unless it is used to pay premiums on a certificate. (This space intentionally left blank.) GWLPIN Page 14