GC 3100.15C SECTION 7 - GENERAL POLICY PROVISIONS 2003 SECTION 7 - GENERAL POLICY PROVISIONS AGENCY: For all purposes of the Group Policy, the Participating Unit acts on behalf of itself or as agent of the Person. Under no circumstances will the Participating Unit be deemed the agent of AUL without a written authorization. AMENDMENT AND CHANGES: The Group Policy may be amended, in writing, by mutual agreement between the Group Policyholder, the Participating Unit and AUL, but without prejudice to any loss incurred prior to the effective date of the amendment. No change in the Group Policy is valid until approved in writing by the Chief Executive Officer, President, or Secretary of AUL. No agent has the authority to change the Group Policy or waive any of its provisions. ASSIGNMENT: No assignment of any present or future right or benefit under the Group Policy will bind AUL without its prior written consent. CERTIFICATES: AUL will issue a certificate for delivery, by the Participating Unit, to the insured Persons. The certificate will summarize a Person’s coverage elected, from those available under the Group Policy, and will state: 1) the benefits provided; and 2) to whom the benefits are payable. If there is any discrepancy between the provisions of any certificate and the provisions of the Group Policy, the provisions of the Group Policy will govern. CLERICAL ERROR: Clerical error on the part of the Participating Unit or AUL will not invalidate insurance otherwise in force nor continue insurance otherwise terminated. CONFORMITY WITH STATE LAWS: Any provisions of the Group Policy in conflict with the laws of the state in which it is delivered are amended to conform to the minimum requirements of those laws. DATA AND RECORDS: The Group Policyholder and Participating Unit must furnish all information that AUL reasonably requires. The Participating Unit must furnish all relevant information to AUL about Persons: 1) who qualify to become insured; 2) whose amounts of insurance or earnings change; and 3) whose insurance terminates. At any reasonable time, AUL or its representatives shall have the right to inspect the records of the Group Policyholder or Participating Unit that, in the opinion of AUL, may have a bearing on the insurance coverage provided under the Group Policy. DISCRETIONARY AUTHORITY: Benefits under the Group Policy will be paid only if AUL decides in its discretion that the applicant is entitled to them. Except for the functions the Group Policy explicitly reserves to the Participating Unit or Trustee, AUL reserves the right to: 1) manage the Group Policy and administer claims under it; and 2) interpret the provisions and resolve any questions arising under it. AUL’s authority includes, but is not limited to, the right to: 1) establish and enforce procedures for administering the Group Policy and claims under it; 2) determine Employees’ eligibility for insurance and entitlement to benefits; 3) determine what information AUL reasonably requires to make such decisions; and 4) resolve all matters when a claim review is requested. Any decision that AUL makes, in the exercise of its authority, will be conclusive and final subject to any rights under the Employee Retirement Income Security Act (ERISA). This provision applies only where the interpretation of the Group Policy is governed by ERISA.