DEFINITIONS (Continued) Child means an unmarried person under age 19, or under age 26 if a full-time student, who is a citizen or resident alien of the United States or one of its territories, and who is the employee’s or member’s: 1. natural child; 2. stepchild, which means a child of the employee’s or member’s spouse by a past marriage or relationship; 3. legally dependent grandchild; or 4. adopted child. He or she cannot be covered as a child or a rider insured child if he or she is an insured under a certificate. Eligible dependents means the person(s) listed in the Policy Specifications. Employee means a person who is a citizen or resident alien of the United States or one of its territories and in active employment with the policyholder. The employee may exercise all applicable rights provided by his or her certificate and any attached rider(s). Enrollment form means any form or electronic process acceptable to us that is used to enroll for benefits under this policy. Evidence of insurability means a statement or proof of a person’s medical history on a form or electronic process approved by us that will be used to determine whether the person is approved for the coverage requested. Grace period means a period of 31 days following each premium due date, after the first premium payment. In force means coverage that remains in effect and has not terminated. Insured means the person accepted for coverage by us and whose name is shown in the certificate. Issue age means the insured’s age on the date the certificate was issued as shown in the certificate. Loan value means the maximum amount the certificate holder may borrow according to the provisions of this policy and his or her certificate. Material and substantial duties means duties that: 1. are normally required for the performance of the employee’s or member’s regular occupation; and 2. cannot be reasonably omitted or modified. If the employee or member is required to work on average in excess of 40 hours per week, we will consider him or her able to satisfy that requirement if he or she is working or has the capacity to work 40 hours per week. Maturity date means the certificate anniversary date on or immediately following the insured’s 121st birthday and is shown in the certificate. Member means an actively employed member in good standing in the labor union or association named as the policyholder and who is a citizen or resident alien of the United States or one of its territories. Monthly date means the same day of each month as the certificate anniversary. If this date is not a day in the calendar, the monthly date is the first day of the next month. Net surrender value means the cash value minus any certificate debt. GWLPIN Page 5