16 10. your Employer’s contributions to a Tax Sheltered Annuity (TSA) ; 11. your Employer’s contributions on your behalf to any deferred compensation arrangement, pension plan, or other fringe benefits; 12. any other extra compensation. E. Notwithstanding Section A above, in no event will your monthly Predisability Earnings exceed either the monthly salary for which premiums have been paid or the Maximum Monthly Covered Salary. GLDI-C1700-(12/06) XIII. LTD BENEFIT CALCULATION A. Your monthly Gross LTD Benefit is equal to the lesser of your monthly Predisability Earnings times the LTD Benefit Percentage, or the Maximum Monthly Benefit. B. Your monthly LTD Benefit is equal to your monthly Gross LTD Benefit minus monthly Deductible Income (subject to the Minimum Monthly Benefit). GLDI-1800-(12/06) XIV. DEDUCTIBLE INCOME A. Your Gross LTD Benefit will always be reduced by Deductible Income which is available to you or which you are eligible to receive as a result of your Disability, whether or not you apply for and receive such payments or benefits, with the exception of ISTRF. The Deductible Income that we will subtract from your Gross LTD Benefit is listed below. B. To receive the full measure of income under the Group Policy, you must apply for all Deductible Income for which you may be eligible as soon as you are entitled to such benefits. If you do not apply for and actively pursue in good faith all Deductible Income for which you may be eligible, we may make our own conclusion as to whether you are entitled to those benefits. If we reasonably and in good faith determine that you are entitled to Deductible Income, we will estimate the amount of those benefits and reduce the Gross LTD Benefit by that estimated amount as of the date on which we deem you were eligible to receive Deductible Income. Integration of the estimated amount of Deductible Income that we have determined is available to you will continue until you provide us with proof that you have filed the appropriate application(s) and continue to actively pursue Deductible Income. Each month we will determine your LTD Benefit using the Deductible Income for the same monthly period, even if you receive the Deductible Income in another month. C. If you are paid Deductible Income in a lump sum, we will use the period of time to which the Deductible Income applies. If no period of time is stated, we will make a reasonable estimate. D. We will not estimate the amount of Deductible Income nor reduce your Gross LTD Benefit by any amounts for which applications or administrative appeals for Deductible Income are pending, provided that you: 1. apply for in good faith and pursue to our satisfaction all Deductible Income for which we determine you might be eligible; 2. designate, at our request, an agent endorsed by us as your representative in the application process and cooperate with that representative at all stages of the application process; 3. keep us informed on a timely basis of the status of all applications for Deductible Income;

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