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GENERAL PROVISIONS ~NTIRE CONTRACT. The entire contract between the parties consists of: (1) this Policy and the Group Policyholder's application (a copy of which is included with this Policy); (2) the Participating Employer's Participation Agreement, if any; and (3) the Covered Employees' enrollment forms, if any, All statements made by the Group Policyholder, Participating Employers, if any, and Covered Employees are representations and not warranties, No statement made by a Covered Employee will be used to contest the coverage provided by this Policy; unless: (1) it is contained in a written statement signed by the Covered Employee; and (2) a copy of the statement is furnished to the Covered Employee. AUTHORITY TO AMEND CONTRACT. Only an OffIcer of the Company located in the Company's Home OffIce, may change this Policy or extend the time for payment of any premium, No change will be valid unless it is made in writing and signed by the Company OffIcer, No person other than a Company OffIcer, or a Home OffIce employee designated by the OffIcer, has the authority, expressed or implied, to: (I) determine the insurability of a group or any individual within the group; (2) make a contract in the name of the Company; or (3) amend or waive any provision of this Policy, INCONTESTABILITY. Except for the non-payment of premiums, the Company may not contest the validity of this Policy as to any Covered Person after his or her coverage has been in force for two years during his or her lifetime, NONPARTICIPATION. This Policy will not be entitled to share in the surplus earnings of the Company, INFORMATION TO BE FURNISHED. The Group Policyholder may be required to furnish any information needed to administer this Policy, Clerical error by the Group Policyholder will not: (1) affect the amount of coverage which would otherwise be in effect; or (2) continue coverage which otherwise would be terminated. Once an error is discovered, an equitable adjustment in premium will be made, If a premium adjustment involves the return of unearned premium, the amount of the return will be limited to the three month period which precedes the date the Company receives proof such an adjustment should be made, The Company may inspect any of the Group Policyholder's records which relate to this Policy, MISSTATEMENT OF AGE. If a Covered Person's age has been misstated, premiums will be subject to an equitable adjustment. If the amount of benefIt depends upon age; then the benefIt will be that which would have been payable, based upon the person's correct age, CERTIFICATES. The Group Policyholder will be furnished with individual certifIcates of coverage for delivery to each Covered Employee. These certifIcates summarize the benefIts provided by this Policy. If tlrere is a conflict between this Policy and the certifIcate, this Policy will control. GL11-5-GP 8 09/01/01