DEFINITIONS (continued) Written or Writing means a record which is on or transmitted by paper or electronic media which is acceptable to Us and consistent with applicable law. You and Your means:  prior to the date insurance takes effect under this certificate, an eligible employee who participated in PEBB or SEBB Life insurance as an employee and meets qualifications for PEBB retiree insurance coverage;  after the date insurance takes effect under this certificate, the Certificateholder. GCERT2024-WSHCA-WA-LIFE-RETIREE1 22