GENERAL CERTIFICATE PROVISIONS CERTIFICATE NON-PAYMENT OF PREMIUM Unless required premium payments are made, coverage will terminate. In no case will a rider continue beyond the termination date of the certificate. Any unpaid premium that is due from the certificate holder may be deducted from the payment of any claim payable for that certificate. CERTIFICATE GRACE PERIOD During the grace period, coverage remains in force, but will terminate if timely premium payments are not received by us by the end of the grace period. If any premium is unpaid at the end of the grace period and there is no cash value, then coverage will cease to be in force on the last day of the grace period. If any premium is unpaid at the end of the grace period and there is a cash value, then we will automatically continue the insurance under the extended term insurance option if the certificate holder is eligible for that option. Otherwise, we will continue the insurance under the reduced paid-up insurance option. TERMINATION OF COVERAGE Subject to the Portability Privilege provision, a certificate terminates on the earliest of: 1. the end of the grace period when premiums remain unpaid; 2. the date of the insured’s death; 3. the maturity date of the certificate; 4. the date the certificate holder surrenders a certificate for its net surrender value; 5. the date this policy is terminated; 6. the last day the employee or member is in active employment with his or her employer and/or a member in good standing in the labor union or association that is the policyholder; 7. the date the employee or member is no longer in an eligible class; 8. the date the employee’s or member’s class is no longer eligible; 9. the date the certificate debt exceeds the cash value; or 10. upon our discovery of fraud or material misrepresentation in the presentation of a claim. CERTIFICATE INCONTESTABILITY Any statement made by you will be considered a representation and not a warranty. No statements will be used to void coverage, reduce benefits, or deny a claim unless it is included in the enrollment form and/or evidence of insurability form for the certificate, which has been signed by the certificate holder and a copy of such statement has been given to the certificate holder or the beneficiary. No such statement will be used to contest this coverage after it has been in force for 2 years from its effective date. SUICIDE EXCLUSION If an insured or a rider insured commits suicide, while sane or insane, within 2 years after the effective date of coverage for that person, the death benefit is limited to the premiums paid for that person’s coverage. MISSTATEMENT OF AGE OR TOBACCO USE STATUS If the insured’s age or tobacco use status is misstated and this misstatement impacts the rate calculation, the death benefit amount will be adjusted using the correct age or tobacco use status in accordance with any applicable Internal Revenue Code requirements. In the event a certificate would not have been issued using the correct age, the certificate is void and we will refund any premiums paid for the certificate. NON-PARTICIPATING The certificates do not share in surplus distribution. GWLPIN Page 15