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ELIGIBILITY PROVISIONS: INSURANCE FOR YOU (continued) GCERT2000 32 e/ee during the Employer’s next annual enrollment period, whichever occurs first , such insurance will take effect as follows: ● if You are not required to give evidence of Your insurability, such insurance will take effect on the later of: ● the date You become eligible for such insurance; and ● the date You enroll provided You are Actively at Work on that date. ● if You are required to give evidence of Your insurability and We determine that You are insurable, such insurance will take effect on the date We state in Writing, provided You are Actively at Work on that date. ● If You request Contributory Insurance more than 12 months after the date You become eligible for such insurance or after the first annual enrollment period for which You may enroll, whichever occurs first , You must give such evidence at Your expense. If We determine that You are insurable, such insurance will take effect on the date We state in Writing, if You are Actively at Work on that date. If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work. See the DEFINITIONS section of this certificate for a complete list of Contributory Insurance benefits. For Supplemental Life Insurance When You become eligible under the plan, You may choose an option for Supplemental Life Insurance. Each year You can choose the amount and types of benefits for Supplemental Life Insurance subject to the following rules. You will be able to enroll by completing the required form in Writing. You must also give the Employer written permission to deduct the contribution from Your pay. The Employer will notify You of the amount You will be required to contribute. Enrollment During Annual Enrollment Periods For Supplemental Life Insurance Only If You choose an option which does not require You to give evidence of Your insurability, the insurance will take effect on the first day of the month following the annual enrollment period, provided You are Actively at Work on that day . If You choose an option which requires You to give evidence of Your insurability under the section entitled EVIDENCE OF INSURABILITY and We determine that You are insurable, the insurance will take effect on the date We state in Writing, provided You are Actively at Work on that date. · if We do not approve Your evidence of insurability, or You do not submit evidence of insurability, the insurance will not take effect. · if You are required to give evidence of insurability under the section entitled EVIDENCE OF INSURABILITY for a portion of the insurance: · the portion of the insurance that is not subject to evidence of insurability will take effect on the date of Your request. · if We approve Your evidence of insurability, the portion of the insurance that is subject to evidence of insurability will take effect on the date We state in Writing. If We do not approve Your evidence of insurability or You do not submit evidence of insurability, the portion of the insurance that is subject to evidence of insurability will not take effect. If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work. Increase in Insurance

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