LIFE INSURANCE: CONVERSION OPTION FOR YOU If Your life insurance ends or is reduced for any of the reasons stated below, You have the option to buy an individual policy of life insurance (“new policy”) from Us during the Application Period in accordance with the conditions and requirements of this section. This is referred to as the “option to convert”. Evidence of Your insurability will not be required. When You Will Have the Option to Convert You will have the option to convert when: A. Your life insurance ends because:  this Group Policy ends, provided You have been insured for life insurance for at least 5 continuous years; or  this Group Policy is amended to end all life insurance for an eligible class of which You are a member, provided You have been insured for at least 5 continuous years; or B. Your life insurance is reduced due to an amendment of this Group Policy. If You opt not to convert a reduction in the amount of Your life insurance as described above, You will not have the option to convert that amount at a later date. Application Period If You opt to convert Your Life Insurance for any of the reasons stated above, We must receive a completed conversion application form from You within 60 days after the date Your Life Insurance ends or is reduced. Option Conditions The option to convert is subject to the following: A. Our receipt within the Application Period of:  Your Written application for the new policy; and  the premium due for such new policy; B. the premium rates for the new policy will be based on:  Our rates then in use;  the form and amount of insurance for which you apply;  Your class of risk; and  Your age; C. the new policy may be on any form then customarily offered by Us excluding term insurance; D. the new policy will be issued without an accidental death and dismemberment benefit, an accelerated benefit option, a waiver of premium benefit or any other rider or additional benefit; and nd E. the new policy will take effect on the 32 day after the date Your life insurance ends or is reduced; this will be the case regardless of the duration of the Application Period. GCERT2024-WSHCA-WA-LIFE-RETIREE1 26