LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU For purposes of this section, the term “ABO Eligible Life Insurance” refers to each of Your Life Insurance benefits for which the Accelerated Benefit Option is shown as available in the SCHEDULE OF BENEFITS. If You become Terminally Ill, You or Your legal representative have the option to request Us to pay ABO Eligible Life Insurance before Your death. This is called an accelerated benefit. The request must be made while ABO Eligible Life Insurance is in effect. Terminally Ill or Terminal Illness means that due to injury or sickness, You are expected to die within 24 months. Requirements For Payment of an Accelerated Benefit Subject to the conditions and requirements of this section, We will pay an accelerated benefit to You or Your legal representative if:  the amount of each ABO Eligible Life Insurance benefit to be accelerated equals or exceeds $10,000; and  the ABO Eligible Life Insurance to be accelerated has not been assigned; and  We have received Proof that You are Terminally Ill. We will only pay an accelerated benefit for each ABO Eligible Life Insurance benefit once. Proof of Your Terminal Illness We will require the following Proof of Your Terminal Illness:  a completed accelerated benefit claim form;  a signed Physician’s certification that You are Terminally Ill; and  an examination by a Physician of Our choice, at Our expense, if We request it. In determining whether You are Terminally Ill, the certification provided by Your Physician and the opinion of the Physician We chose to examine You may not agree. If this happens, You are not required to accept the opinion of the Physician We chose to examine You. We will try to resolve the issue of whether You are Terminally Ill promptly and amicably. If We cannot, You may ask to have the issue mediated by, or submitted to binding arbitration with, a disinterested third party who has no ongoing relationship with either party. As part of any final decision, the arbitrator or mediator will determine who will pay the cost of the arbitration or mediation or may divide the costs equally or otherwise. You or Your legal representative should contact Us to obtain a claim form and information regarding the accelerated benefit. Upon Our receipt of Your request to accelerate benefits, We will send You a letter with information about the accelerated benefit payment You requested. Our letter will describe the amount of the accelerated benefits We will pay and the amount of Life Insurance remaining after the accelerated benefit is paid. Accelerated Benefit Amount We will pay an accelerated benefit up to the percentage shown in the SCHEDULE OF BENEFITS for each ABO Eligible Life Insurance benefit in effect for You, subject to the following: Maximum Accelerated Benefit Amount. The maximum amount We will pay for each ABO Eligible Life Insurance benefit is shown in the SCHEDULE OF BENEFITS. GCERT2024-WSHCA-WA-LIFE-EMPLOYEE1 63