R2007-197 AUTHORIZING GROUP TERM LIFE INSURANCE COVERAGE

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GENERAL PROVISIONS ENTIRE CONTRACT The entire contract between you and us is the Policy, your application {a copy of which is attached at issue), and any endorsements and amendments. CHANGES No agent has authority to change or waive any part of the Policy. To be valid, any change or waiver must be in writing. It must also be signed by one of our executive officers and attached to the Policy. INCONTESTABILITY � Any statement made in your application will be deemed a representation, not a warranty. We cannot contest this Policy after it has been in force for two(2)years from the date of issue, except for non-payment of premium. Any statements made by you, any Insured or any Insured Dependent, or on behalf of any Insured or any Insured Dependent to persuade us to provide coverage, will be deemed a representation, not a warranry. This provision limits our use of these statements in contesting the amount of insurance for which an Insured or any Insured Dependent is covered. The following rules apply to each statement: (1) No statement will be used in a contest unless: (a) it is in a written form signed by the Insured or any Insured Dependent, or on behalf of the Insured or any Insured Dependent; and (b) a copy of such written instrument is or has been furnished to the Insured or any Insured Dependent, the Insured's or any Insured Dependents beneficiary or legal representative. (2) If the statement relates to an Insured's or any Insured DependenYs insurability, it will not be used to contest the validity of insurance which has been in force, before the contest, for at least two years during the lifetime of the Insured or any Insured Dependent. RECORDS MAINTAINED You must maintain records of all Insureds. Such records must show the essential data of the insurance, including new persons, terminations, changes, etc. This information must be reported to us regularly. We reserve the right to examine the insurance records maintained at the place where they are kept. This review will only take place during normal business hours. CLERICAL ERROR Clerical errors in connection with the Policy or delays in keeping records for the Policy, whether by you, us, or the Plan Administrator: (1) will not terminate insurance that would otherwise have been effective; and (2) will not continue insurance that would othennrise have ceased or should not have been in effect. If appropriate, a fair adjustment of premium will be made to correct a clerical error. MISSTATEMENT OF AGE If an Insured's age is misstated, the premium will be adjusted. If the Insured's insurance is affected by the misstated age, it will also be adjusted. The insurance will be changed to the amount the Insured is entitled to at his/her correct age. LRS-6422-5 Ed. 4/94 Page 3.0