200 Park Avenue, New York, New York 10166

Transcription

1 Metropolitan Life Insurance Company 200 Park Avenue, New York, New York Certifies that the benefits as described herein are provided under and subject to the terms and conditions of the Group Policy. The Covered Person named on the Certificate Specifications page is insured on the Effective Date of Certificate. Metropolitan Life Insurance Company, Steven A. Kandarian President and Chief Executive Officer Policyholder: Trustee of the MetLife Group Insurance Trust Group Policy Number: G Administrator: Mercer Health & Benefits Administration LLC Group No.: (Hourly Paid Employees) Participating Group Universal Life Insurance This Certificate includes flexible contributions, adjustable benefits, group life insurance until age 99 and a paid-up benefit option at any time. The benefits of the policy providing your coverage are governed primarily by the laws of a state other than Florida. The group policy providing coverage under this certificate was issued in a jurisdiction other than Maryland and may not provide all the benefits required by Maryland law. For Residents of North Dakota: If you are not satisfied with your Certificate, you may return it to us within 20 days after you receive it, unless a claim has previously been received by us under your Certificate. We will refund within 30 days of our receipt of the returned Certificate any premium that has been paid and the Certificate will then be considered to have never been issued. You should be aware that, if you elect to return the Certificate for a refund of premiums, losses which otherwise would have been covered under your Certificate will not be covered. For Residents of Utah: If you are not satisfied with your Certificate, you may return it to us within 20 days after you receive it, unless a claim has previously been received by us under your Certificate. We will refund within 20 days of our receipt of the returned Certificate any premium that has been paid and the Certificate will then be considered to have never been issued. FRAUD WARNING FOR RESIDENTS OF OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. Form G.9704(2003) PPG Industries, Inc. Employee Cert. NW

2

3 NOTICE FOR RESIDENTS OF ARKANSAS If you have a question concerning your coverage or a claim, first contact the Employer or group account administrator. If, after doing so, you still have a concern, you may call the toll free telephone number: If you are still concerned after contacting both the Employer and MetLife, you should feel free to contact: Notice for Residents of Georgia: Arkansas Insurance Department Consumer Services Division 400 University Tower Building Little Rock, Arkansas IMPORTANT NOTICE The laws of the state of Georgia prohibit insurers from unfairly discriminating against any person based upon his or her status as a victim of family violence. NOTICE FOR RESIDENTS OF IDAHO: If You have a question concerning Your coverage or a claim, first contact the Employer or group account administrator. If, after doing so, You still have a concern, You may call the toll free telephone number: If You are still concerned after contacting both the Employer and MetLife, You should feel free to contact: Notice for Residents of Minnesota: Idaho Department of Insurance Consumer Affairs 700 West State Street, 3rd Floor PO Box Boise, Idaho or This is a life insurance policy which pays accelerated death benefits at your option under conditions specified in the policy. This policy is not a long-term care policy meeting the requirements of sections M.S. 62A.46 to 62A.56 or chapter 62S. Notice for Residents of Montana: If a claim on the life of a Covered Person becomes payable under this Certificate, settlement of the claim shall be made within 60 days of the date that we receive proof of death that is satisfactory to us. The settlement shall include interest from the 30 th day after we receive such Proof until settlement. Such interest shall be paid at the discount rate on 90-day commercial paper in effect at the Federal Reserve Bank in the ninth federal reserve district on the date we receive such Proof.

4 Notice for Residents of North Carolina: This Certificate of insurance is a legal contract between the policy owner and the insurer. READ YOUR CERTIFICATE CAREFULLY. This Certificate of insurance provides all of the benefits mandated by the North Carolina Insurance Code, but it is issued under a group master policy located in another state and may be governed by that state's law. Notice for Residents of Oregon: This Certificate is part of the Group Policy. The Group Policy is a contract between MetLife and the Policyholder and may be changed or ended without your consent. Notice of such changes will be provided to you. If a claim on the life of a Covered Person becomes payable under this Certificate, settlement of the claim shall be made promptly to the beneficiary upon receipt of proof of death that is satisfactory to us. If payment is not made within 30 days from receipt of proof of death, interest at the current loan interest rate will be paid from the date of death to the date payment is made. Notice for Residents of West Virginia: You have the right to return this Certificate within ten days of its receipt and to have your premium refunded if, after examination of the Certificate, you are not satisfied for any reason. Notice for Residents of Wisconsin: ELIGIBILITY FOR EXTENSION OF COVERAGE IF YOUR EMPLOYERʼS PARTICIPATION IN THE GROUP POLICY ENDS WHILE YOU ARE TOTALLY DISABLED If you are totally disabled on the date your Employerʼs participation in the Group Policy ends, your Group Universal Life insurance coverage may be extended during your total disability provided that further Monthly Deductions are paid as Planned Contributions directly to Us. Proof Requirements You should contact Us as soon as reasonably possible to advise Us that you were disabled on the date you ceased active work. You must send Us Proof that you were totally disabled. As part of such Proof, We may choose a Physician to examine you to verify that you are eligible to extend Your Group Universal Life insurance.

5 For Texas Residents: IMPORTANT NOTICE To obtain information or make a complaint: You may call MetLifeʼs toll-free telephone number for information or to make a complaint at Para Residentes de Texas: AVISO IMPORTANTE Para obtener informacion o para someter una queja: Usted puede llamar al numero de telefono gratis de MetLife para informacion o para someter una queja al You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at Puede comunicarse con el Departmento de Seguros de Texas para obtener informacion acerca de companias, coberturas, derechos o quejas al You may write the Texas Department of Insurance P.O. Box Austin, TX Fax # Web: ConsumerProtection@tdi.state.tx.us PREMIUM OR CLAIM DISPUTES: Should you have a dispute concerning your premium or about a claim you should contact MetLife first. If the dispute is not resolved, you may contact the Texas Department of Insurance. Puede escribir al Departmento de Seguros de Texas P.O. Box Austin, TX Fax # Web: ConsumerProtection@tdi.state.tx.us DISPUTAS SOBRE PRIMAS O RECLAMOS: Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con MetLife primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI). ATTACH THIS NOTICE TO YOUR CERTIFICATE: This notice is for information only and does not become part or condition of the attached document. UNA ESTE AVISO A SU CERTIFICADO: Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto.

6

7 Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association This notice provides a brief summary of the Utah Life and Health Insurance Guaranty Association ("the Association") and the protection it provides for policyholders. This safety net was created under Utah law, which determines who and what is covered and the amounts of coverage. The Association was established to provide protection in the unlikely event that your life, health, or annuity insurance company becomes financially unable to meet its obligations and is taken over by its insurance regulatory agency. If this should happen, the Association will typically arrange to continue coverage and pay claims, in accordance with Utah law, with funding from assessments paid by other insurance companies. The basic protections provided by the Association are: Life Insurance o $500,000 in death benefits o $200,000 in cash surrender or withdrawal values Health Insurance o $500,000 in hospital, medical and surgical insurance benefits o $500,000 in long-term care insurance benefits o $500,000 in disability income insurance benefits o $500,000 in other types of health insurance benefits Annuities o $250,000 in withdrawal and cash values The maximum amount of protection for each individual, regardless of the number of policies or contracts, is $500,000. Special rules may apply with regard to hospital, medical and surgical insurance benefits. Note: Certain policies and contracts may not be covered or fully covered. For example, coverage does not extend to any portion of a policy or contract that the insurer does not guarantee, such as certain investment additions to the account value of a variable life insurance policy or a variable annuity contract. Coverage is conditioned on residency in this state and there are substantial limitations and exclusions. For a complete description of coverage, consult Utah Code, Title 3 la, Chapter 28. Insurance companies and agents are prohibited by Utah law to use the existence of the Association or its coverage to encourage you to purchase insurance. When selecting an insurance company, you should not rely on Association coverage. If there is any inconsistency between Utah law and this notice, Utah law will control. To learn more about the above protections, as well as protections relating to group contracts or retirement plans, please visit the Association's website at or contact: Utah Life and Health Insurance Guaranty Assoc. Utah Insurance Department 60 East South Temple, Suite State Office Building Salt Lake City UT Salt Lake City UT (801) (801) A written complaint about misuse of this Notice or the improper use of the existence of the Association may be filed with the Utah Insurance Department at the above address. GTY-NOTICE-UT-0710

8

9 TABLE OF CONTENTS Page(s) Certification...Cover Certificate Specifications... 2 I. Definitions of Certain Terms Used Herein... 6 II. Payment When You Die... 8 III. Computation of Accumulation Fund IV. Payments During Your Lifetime V. Contributions VI. Beneficiary VII. Right to Obtain a Personal Policy of Life Insurance on Your Own Life VIII. Paid-Up Benefits IX. General Provisions X. Table of Guaranteed Maximum Rates for Each $1,000 of Insurance XI. Notices ADDITIONAL COVERAGES Rider: Dependent Term Insurance Rider: Accelerated Benefits

10

11 CERTIFICATE SPECIFICATIONS AS OF JANUARY 1, 2001 EMPLOYER... PPG INDUSTRIES, INC. GROUP IDENTIFICATION NUMBER COVERED PERSON... JOHN DOE SPECIFIED AMOUNT... $50, OWNER'S NAME & ADDRESS JOHN DOE 123 MAIN STREET ANYTOWN, NY EMPLOYEEʼS NAME... JOHN DOE PLAN...GROUP UNIVERSAL LIFE CERTIFICATE NUMBER ABC EFFECTIVE DATE OF CERTIFICATE... JANUARY 1, 2001 PLAN ANNIVERSARY DATE... JANUARY 1 COVERED PERSONʼS DATE OF BIRTH... JANUARY 1, 1950 FINAL DATE OF CERTIFICATE...CERTIFICATE ANNIVERSARY AT AGE 99* PLANNED CONTRIBUTION... $40.00 PAYABLE MONTHLY MAXIMUM SPECIFIED AMOUNT... $4,000, NON-MEDICAL ISSUE AMOUNT... THE LESSER OF $200, or 2 TIMES YOUR ANNUAL SALARY CLASSIFICATION... NON-TOBACCO USER FOR RESIDENTS OF MINNESOTA AND UTAH: MAXIMUM EXPENSE CHARGES... 10% OF ALL CONTRIBUTIONS AND AN ADMINISTRATIVE FEE OF $5 PER MONTH RIDER DEPENDENT TERM INSURANCE ADDITIONAL COVERAGES BENEFIT AMOUNT EACH CHILD... $10, ACCELERATED BENEFITS... 50% * This Certificate will terminate prior to this date if contributions paid are not sufficient to continue this Certificate in force to this date. See Continuation of Insurance, subsection 5, of section V. ESTATE RESOLUTION SERVICES The following Estate Resolution Services are provided at no additional cost to individuals insured for group universal life insurance coverage as described below. If You are eligible to receive these Estate Resolution Services and You or Your Spouse (for the Will Preparation Service) or You or a Beneficiary (for the Probate Service) would like to speak with a representative from Hyatt Legal Services or get the name of a Plan Attorney that You can speak with about these Services please call (800) THE FOLLOWING APPLIES TO RESIDENTS OF ALL STATES OTHER THAN TEXAS: Will Preparation Service If You elect group universal life insurance coverage a will preparation service (the Service ) will be made available (For Residents of Connecticut, add: at no cost) to You, through a MetLife affiliate (the Affiliate ), while Your group universal life insurance coverage is in effect. The Service will be made available at no cost to You. It enables You (For Residents of Connecticut, replace, The Service will be made available at no cost to You. It enables You, with, This Service enables You) to have a will prepared for You and Your Spouse free of charge by attorneys designated by the Affiliate. (For Residents of Connecticut, add: The will preparation service includes the preparation of wills and codicils for You and Your Spouse. The creation of any testamentary trust is covered. The will preparation service does not include tax planning.) Form G.9704(2003) 2 DRAFT

12 CERTIFICATE SPECIFICATIONS - Continued If You have a will prepared by an attorney not designated by the Affiliate, You must pay for the attorneyʼs services directly. Upon Proof of such payment, You will be reimbursed for the attorneyʼs services in an amount equal to the lesser of the amount You paid for the attorneyʼs services and the amount customarily reimbursed for such services by the Affiliate. (For Residents of Connecticut, add: A non-plan attorney fee reimbursement schedule can be obtained by calling the Affiliate, Hyatt Legal Plans, Inc. at To use the will preparation service, You can call the Affiliate, Hyatt Legal Plans, Inc. by phone at Availability of this Service will terminate on the earliest of the following: The date Your employment with the Employer ends; The date Your group universal life insurance coverage under the Certificate ends; or The date the Group Policy ends.) THE FOLLOWING APPLIES TO RESIDENTS OF ALL STATES OTHER THAN FLORIDA AND TEXAS: Probate Service If You become insured for group universal life insurance coverage and die while such group universal life coverage is in effect, a probate benefit ("the Benefit") will be made available to Your estate (For Residents of Connecticut, add: at no cost) through a MetLife affiliate ("Affiliate"). The Benefit provides for certain probate services to (For Residents of Connecticut, replace: The Benefit provides for certain probate services to, with, This Benefit provides the services described below will) be made available upon Your death, free of charge by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, Your estate must pay for those attorneyʼs services directly. Upon Proof of such payment, Your estate will be reimbursed for the attorneyʼs services in an amount equal to the lesser of the amount Your estate paid for the attorneyʼs services and the amount customarily reimbursed for such services by the Affiliate. (For Residents of Connecticut, add: A non-plan attorney fee reimbursement schedule can be obtained by calling the Affiliate, Hyatt Legal Plans, Inc. at This Benefit provides coverage for the attorneyʼs fees for the executor or administrator of Your estate for the following probate services: telephone and office consultations to discuss matters related to probating Your estate; preparation of documents and representation at court proceedings needed to transfer probate assets from Your estate to Your heirs; the completion of correspondence necessary to transfer non-probate assets such as proceeds from insurance policies, joint bank accounts, stock accounts or a house; and associated tax filings. The following are not covered under this Benefit: Matters in which there is a conflict of interest between the executor, administrator, any beneficiary or heir and Your estate; Any disputes with the Policyholder, Employer, Plan Attorneys, MetLife and/or any of its affiliates; Any disputes involving statutory benefits; Will contests or litigation outside Probate Court; Appeals; Court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and Frivolous or unethical matters. To use the probate benefit, the Affiliate, Hyatt Legal Plans, Inc. can be reached by phone at This Benefit will end on the earliest of the following: The date Your employment with the Employer ends; The date Your group universal life insurance coverage under the Certificate ends; or The date the Group Policy ends.) THE FOLLOWING APPLIES TO RESIDENTS OF ALL STATES OTHER THAN CONNECTICUT: This Benefit will be provided at no cost to You and will end on the date Your group universal life insurance coverage ends. Form G.9704(2003) 3

13 CERTIFICATE SPECIFICATIONS - Continued THE FOLLOWING APPLIES TO RESIDENTS OF TEXAS ONLY: Will Preparation Service If You elect group universal life insurance coverage, a Will Preparation Service (the Service ) will be made available to You through Hyatt Legal Plans, Inc., a MetLife affiliate (the Affiliate ), as agreed to by the Policyholder and MetLife, while Your group universal life insurance coverage is in effect under this Policy. Will Preparation Service means a service covering the preparation of wills and codicils for You and Your Spouse. The creation of any testamentary trust is covered. The Will Preparation Service does not include tax planning. This Service will be made available at no cost to You. It enables You to have such Service prepared for You and Your Spouse free of charge by attorneys designated by the Affiliate. If You have such Service prepared by an attorney not designated by the Affiliate, You must pay for the attorneyʼs services directly. Upon Proof of such payment, You will be reimbursed for the attorneyʼs services in an amount equal to the lesser of the amount You paid for the attorneyʼs services and the amount customarily reimbursed for such services by the Affiliate. THE FOLLOWING APPLIES TO RESIDENTS OF FLORIDA AND TEXAS ONLY: Probate Service If You become insured for group universal life insurance coverage and die while such group universal life insurance coverage is in effect, a probate benefit (the Benefit ) will be made available to Your estate through a MetLife affiliate ( Affiliate ). The Benefit includes attorney representation and payment of legal fees for the executor or administrator of insured employeeʼs estate including representation for the preparation of all documents and all of the court proceedings needed to transfer probate assets from the estate to insured employeeʼs heirs; and the completion of correspondence necessary to transfer non-probate assets such as proceeds from insurance policies, joint bank accounts, stock accounts or a house; and associated tax filings. The Benefit provides for such services to be made available upon Your death, free of charge by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, Your estate must pay for those attorneyʼs services directly. Upon Proof of such payment, Your estate will be reimbursed for the attorneyʼs services in an amount equal to the lesser of the amount Your estate paid for the attorneyʼs services and the amount customarily reimbursed for such services by the Affiliate. This Benefit will be provided at no cost to You and will end on the date Your group universal life insurance coverage ends. Form G.9704(2003) 4

14

15 I. DEFINITIONS OF CERTAIN TERMS USED HEREIN 1. "We", "us" and "our" mean Metropolitan. 2. "You" and "your" mean the Covered Person named on the Certificate Specifications page. 3. "This Plan" means the Group Universal Life Insurance Plan for the Employees of PPG Industries, Inc. provided under the Group Policy issued by us to the Policyholder. 4. "Accumulation Fund" The value of your Accumulation Fund is as follows: The Net Contributions received on your behalf by us to the current date; MINUS The Monthly Deductions to the current date; PLUS Interest credited to the current date. If you make a Partial Cash Withdrawal (see page 11), the Accumulation Fund defined above will be reduced by the amount of such withdrawal. The factors used in computing the Accumulation Fund are shown on page "Active Work" or Actively at Work means the Employee is: (a) a regular full-time or permanent part-time hourly paid employee of PPG Industries, Inc.; and (b) able to perform all activities of his or her job; or (c) regularly scheduled to work but is away from work due to vacation, holiday or other approved day off, other than away from work due to disability. 6. "Administrator" means Mercer Health & Benefits Administration LLC. 7. "Change in Family Status" means the following: (a) a change in your legal marital status, such as by marriage, divorce, legal separation, death of Spouse or annulment; (b) a change in the number of your dependents, such as by birth, adoption of a Child, placement for adoption or death of a dependent; "Child" includes: your natural child; a child who is supported solely by you and permanently living in the home of which you are the head; a child who is legally adopted; and a stepchild who lives in your home. (c) a change in the employment status of you, your Spouse or your dependent child, such as beginning or ending employment, strike, lockout, taking or ending a leave of absence, changes in worksite or work schedule, if it causes you, your Spouse or your dependent child to gain or lose eligibility for life insurance (d) a significant curtailment in your current option, a significant improvement in an option for which you are not enrolled, a significant increase or decrease in cost for one or more of the options under the Employer's plan or a new benefit option under the Employer's plan; (e) a change of residence or worksite of you, your Spouse or your dependent child if it causes you, your Spouse or your dependent child to gain or lose eligibility for life insurance; and (f) your dependentʼs ceasing to be a dependent as defined under This Plan. 8. "Gross Single Premium" means the total premium required to be paid to fund a Paid-up Benefit under the Certificate. 9. "Net Contributions" means a percentage of all contributions received on your behalf (the balance is an expense Form G.9704(2003) 6

16 I. DEFINITIONS OF CERTAIN TERMS USED HEREIN - Continued charge). We will set the percentage from time to time. 10. "Net Single Premium" means the gross single premium less any other charges for expenses. 11. "Payroll Deduction Plan" means the procedure for making contribution payments with deductions from your salary. 12. "Plan Anniversary Date" means July "Plan Year" means the year beginning July 1 and ending the following June "Policyholder" means Trustee of the MetLife Group Insurance Trust. 15. "Proof" means written evidence satisfactory to us that a person has satisfied the conditions and requirements for any benefit described in this Certificate including the payment of insurance. When a claim is made for any benefit described in this Certificate, Proof must establish: (a) the nature and the extent of the loss or condition; (b) our obligation to pay the claim; and (c) the claimant's right to receive payment. 16. "Signed" means any symbol or method executed or adopted by a person with the present intention to authenticate a record, which is on or transmitted by paper or electronic media which is acceptable to us and consistent with applicable law. 17. "Spouse" means your lawful spouse. 18. "Successor Plan" means a life insurance plan for the Employees or any class or classes of Employees of PPG Industries, Inc. which replaces This Plan, other than a non-group individual Whole Life Plan. 19. "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. Form G.9704(2003) 7

17 1. Coverage II. PAYMENT WHEN YOU DIE If you die while the Death Benefit is in effect and before the earlier of the Final Date of Certificate and the date you elect Paid-up Benefits, we will pay: The Death Benefit in effect on your life at the time of death; MINUS Any loan and loan interest; to the Beneficiary after we receive Proof of your death and a proper Written claim. 2. Death Benefit The Death Benefit is composed of two parts - Insurance and an Accumulation Fund. The amount of Insurance is fixed at the Specified Amount set forth on the Certificate Specifications page regardless of the value of the Accumulation Fund. The value of the Accumulation Fund is added to the amount of Insurance to determine the amount of Death Benefit. However, there is a Minimum Death Benefit which, if it applies to you, increases the amount of Insurance. To determine the amount of the increase, subtract the amount of the Death Benefit which would otherwise apply to you from the Minimum Death Benefit. 3. Minimum Death Benefit In no event will the Death Benefit be less than the amounts described below. Age on Date of Death Minimum Death Benefit as a Percentage of the Accumulation Fund 40 or younger 250% or older 100 The Minimum Death Benefit will decrease uniformly within the ranges shown. 4. Death Benefit Adjustment At any time while this Certificate is in force, you may change (either increase or decrease) the Specified Amount, in accordance with the terms of This Plan, subject to the following: (a) The Specified Amount may not be reduced to less than $10,000 (b) For any change which would increase the Specified Amount, you must provide evidence of your insurability satisfactory to us, except if you are paying under the Payroll Deduction Plan and such change is being requested due to: (1) a Change in Family Status, provided the change is requested within 31 days of the event; or (2) a request during the PPG Industries, Inc.ʼs annual enrollment period; or (3) any increase in your salary, provided you have not previously declined any such increase in your Specified Amount; and the increase in your Specified Amount in accordance with (1), (2) or (3) above does not result in an amount that exceeds the Non-Medical Issue Amount stated on the Certificate Specifications page. Form G.9704(2003) 8

18 II. PAYMENT WHEN YOU DIE - Continued Any increase in your Specified Amount will be in accordance with the schedule set forth with the records of This Plan. Such increase may not result in a Specified Amount that exceeds the Maximum Specified Amount that is stated on the Certificate Specifications page. (c) A request for a change in the Specified Amount will take effect on the first of the month which coincides with or next follows: (1) if evidence of insurability is required, the date we approve the request; or (2) if evidence of insurability is not required; and (i) if the change is due to a Change in Family Status, the date of the request; or (ii) if the change is due to a request during PPG Industries, Inc.ʼs annual enrollment period, the first day of the calendar following the annual enrollment period; or (iii) if the change is due to an increase in your salary, the beginning of the calendar quarter as shown in the table below. Amount In Effect On Effective Date Of Increase In Your Specified Amount January 1 April 1 April 1 July 1 July 1 October 1 October 1 January 1 You must be in active work with PPG Industries, Inc. on the date the change is to take effect. If you are not in active work on such date, the change will take effect on the first of the month following the date you return to active work with PPG Industries, Inc. (d) The Administrator will issue a new Certificate Specifications page. Form G.9704(2003) 9

19 III. COMPUTATION OF ACCUMULATION FUND 1. Monthly Deduction The deduction for any Certificate month is the sum of the following amounts, determined as of the beginning of that month. The monthly cost of the Insurance (See Cost of Insurance below). The monthly administration fee, if any, we set from time to time. The monthly cost of any benefits provided by any Riders. 2. Interest Rate The Guaranteed Interest Rate used to determine the Accumulation Fund is % a month, compounded monthly. This is equivalent to a rate of 4% a year, compounded annually. Interest will be credited to the Accumulation Fund on the last day of each month as follows: In the manner and at the rate we set from time to time. The rate we set will never be less than the Guaranteed Interest Rate. If there is a loan against the Certificate, interest on that portion of the Accumulation Fund that equals the loan will be at a rate we set from time to time. The rate, with respect to the amount of the loan, will never be less than the Guaranteed Interest Rate. 3. Cost of Insurance The cost of the Insurance for any Certificate month is equal to the monthly insurance rate multiplied by each $1,000 of the amount of your Insurance. Monthly Insurance rates will be set by us from time to time. But these rates will never be more than the maximum rates shown in the table on page 22. Form G.9704(2003) 10

20 . IV. PAYMENTS DURING YOUR LIFETIME 1. Payment on Final Date of Certificate If you are alive on the Final Date of Certificate and are still covered for an amount of Insurance, we will pay you the Accumulation Fund minus any loan and loan interest (see below). Coverage under this Certificate will then end. 2. Cash Value Your Death Benefit may have a Cash Value while You are still alive. The Cash Value at any time will equal: The Accumulation Fund; MINUS Any loan and loan interest. 3. Full Cash Withdrawal We will pay you all of the Cash Value after the Administrator receives your request for a Full Cash Withdrawal at the Administrator's Office. The Cash Value will be determined as of the date the Administrator receives your request. If you request and are paid the full Cash Value, we will reduce the Accumulation Fund to zero. 4. Partial Cash Withdrawal At any time you may request a Partial Cash Withdrawal. Each Partial Cash Withdrawal must be at least $200. We will pay you the Partial Cash Withdrawal upon receipt of your request at the Administrator's Office. The available Cash Value will be determined as of the date the Administrator receives your request. When a Partial Cash Withdrawal is made, the Accumulation Fund will be reduced by the amount of the Partial Cash Withdrawal. The Maximum Partial Cash Withdrawal at any time is the current Accumulation Fund less any loan and loan interest. If your Partial Cash Withdrawal is more than the Maximum Partial Cash Withdrawal specified above, we will treat it as a request for a Full Cash Withdrawal. 5. Loan At any time you may also get cash from us by taking a loan (For Residents of Minnesota add: upon assignment of the Certificate as sole security). You can only take one loan per Plan Year, but only one loan can be in effect at a time. The most you can borrow at any time is the current Cash Value less interest to the next Plan Anniversary Date at the current loan interest rate. The loan must be for at least $200. Loan interest is charged at the rate we set from time to time. This rate will never be more than the maximum permitted by law and will not change more often than once a year on the Plan Anniversary Date. The rate of interest we set for a Plan Year may not exceed a maximum limit which is the higher of: (a) The Published Monthly Average for the calendar month ending 2 months before the Plan Anniversary Date at the beginning of the Plan Year; or (b) the rate we use to compute the Guaranteed Interest Rate of this Certificate for the Plan Year, plus 1%. The Published Monthly Average means: (a) Moody's Corporate Bond Yield Average Monthly Average Corporates, as published by Moody's Investors Service, Inc. or any successor to that service; or (b) if that average is no longer published, a substantially similar average, established by regulation issued by the insurance supervisory official of the state in which the Group Policy is delivered. Form G.9704(2003) 11

21 IV. PAYMENTS DURING YOUR LIFETIME - Continued If the maximum limit for a Plan Year is at least ½% higher than the rate set for the previous Plan Year, we may increase the rate to no more than that limit. If the maximum limit for a Plan Year is at least ½% lower than the rate set for the previous Plan Year, we will reduce the rate to at least that limit. When a loan is made, you will be informed of the initial rate applicable to that loan. This initial rate of interest will be determined by using the Published Monthly Average for the calendar month ending 2 months before the date of the loan; however, it will never be greater than the maximum rate described above. A loan will affect the interest rate we credit to the Accumulation Fund (see Interest Rate on page 10). 6. Loan Repayment You may repay all or part of a loan (but not less than $25) at any time while you are alive and this Certificate is in force. If any payment you make to us is intended as a loan repayment, rather than a contribution payment, you must tell the Administrator this when you make the payment. A loan repayment may not be made through the Payroll Deduction Plan. Failure to repay a loan or to pay loan interest will not terminate this Certificate unless the Accumulation Fund, minus the loan and loan interest, is not sufficient to pay the Monthly Deduction due on a Monthly Anniversary. In that case, the Grace Period provision will apply (see page 13). 7. Termination of This Plan We have the right to discontinue This Plan if there is a Successor Plan while the Payroll Deduction Plan is still in effect. We must give PPG Industries, Inc. notice, in Writing, that This Plan is to be discontinued. The notice must be given at least thirty-one (For Residents of Wisconsin: sixty) days prior to the date that This Plan is to be discontinued. For the purposes of this provision, if This Plan is changed such that a class or classes of Employees insured hereunder are no longer considered an eligible class or classes, such discontinuance will be construed as if This Plan had ended for such class or classes even though This Plan continues in effect. The status of the termination of a class or classes of Employees, for the purposes of this provision, will be defined under procedures which are agreed upon by us and PPG Industries, Inc. If This Plan ends your Death Benefit will end if you are either making Planned Contributions through the Payroll Deduction Plan or are not on the Payroll Deduction Plan but are making Planned Contributions directly to the Administrator. If This Plan ends and there is a Successor Plan, we will pay to the succeeding carrier, over a period of the next three years, the Cash Value divided into equal monthly installments. If the payout is delayed in excess of thirty days, we will credit interest on any unpaid balance at a rate not less than 3.5% per annum. For Residents of Utah, the following paragraph replaces the above paragraph: If This Plan ends and there is a Successor Plan, we will pay the Cash Value to the succeeding carrier within six months. If the financial stability of MetLife is at risk, We will request that the Commissioner allow Us to extend the payout of the Cash Value over a period of up to three years. If the payout is delayed in excess of twenty days, we will credit interest on any unpaid balance at a rate not less than 3.5% per annum. The Cash Value will be determined as of the date your Death Benefit ends. If This Plan ends and there is no Successor Plan, your Death Benefit will end. You may elect to be covered for a Paid-up Benefit (see page 19) or you may be entitled to convert to a Personal Policy of Life Insurance on Your own Life (see page 17). 8. Deferment (For Residents of Utah, add: With the consent of the Commissioner, ) We may delay paying a Cash Withdrawal for up to 6 months from the date the Administrator receives your request for payment. If we delay for 30 days or more, interest will be paid from the date the Administrator receives the request at a rate not less than the Guaranteed Interest Rate (see page 10). We also may delay making a loan (For Residents of Oregon, add:, other than for payment of premium,) (For Residents of Minnesota, add:, except for a loan to pay a contribution to us,) for up to 6 months from the date the Administrator receives your request for the loan. Form G.9704(2003) 12

22 V. CONTRIBUTIONS 1. Contribution Payments Planned Contributions for this Certificate will be payable each month under the Payroll Deduction Plan. Under This Plan, Planned Contributions will be sent to the Administrator monthly by PPG Industries, Inc. These payments will be made with deductions from your salary or, in certain circumstances, you may make other arrangements with the Administrator. In such case, you will be considered to be on the Payroll Deduction Plan. This Payroll Deduction Plan procedure will end if: (1) your employment ends; or (2) PPG Industries, Inc. sends the Administrator a Written request to end this procedure for you; or (3) This Plan ends or is changed so as to end the benefits for the class or classes of Employees of which you are a member. If this procedure ends, pursuant to items (1) or (2) above, while your Insurance is in force, further Planned Contributions will be payable directly to the Administrator based on your new classification and according to the mode of contribution payments that has been selected. If this procedure ends pursuant to item (3) above, while your Insurance is in force, your Death Benefit will end because This Plan has ended (see Section VII., page 17) (For Residents of Wisconsin: except as stated in the Notice for Wisconsin residents section). You may change the amount of your Planned Contributions from time to time. Other contributions may be paid at any time while the Insurance is in force and before the Final Date of Certificate and in any amount, subject to the limits described below. If you are not paying under the Payroll Deduction Plan and if you request in Writing, the Administrator will send contribution notices. If the Accumulation Fund is large enough to keep your Insurance in force you may skip Planned Contribution payments or change their frequency and amount. 2. Limits The first contribution may not be less than the Planned Contribution shown on the Certificate Specifications page. Each contribution payment other than a Planned Contribution must be at least $100. contribution limit. No change will take effect until 90 days after notice is sent. We may change this minimum We reserve the right not to accept a contribution payment other than a Planned Contribution for up to 6 months from the date a Partial Cash Withdrawal is paid to you. The total contributions paid in a Certificate year may not exceed the maximum we set for that year. When we set the maximum for total contributions paid in a Certificate year, we will take account of requirements in federal legislation. We will return any contribution paid in a Certificate year which exceeds the maximum. 3. Grace Period If you are paying under the Payroll Deduction Plan and if the sum of the Cash Value on any Monthly Anniversary plus the Planned Contributions deducted from your salary for that month is less than the Monthly Deduction for that month, there will be a Grace Period of 60 days after that anniversary to pay an amount that will cover the Monthly Deduction. The Administrator will send you and any assignee on our records at last known addresses a notice of the Grace Period. If you are not paying under the Payroll Deduction Plan and if the Cash Value on any Monthly Anniversary is less than the Monthly Deduction for that month, there will be a Grace Period of 60 days after that anniversary to pay an amount that will cover the Monthly Deduction. The Administrator will send you and any assignee on our records at last known addresses a notice of the Grace Period. If the Administrator does not receive a sufficient amount by the end of the Grace Period, this Certificate will then end without value. If you die during the Grace Period, we will pay the Death Benefit minus any loan and loan interest and minus any overdue Monthly Deduction. Form G.9704(2003) 13

23 V. CONTRIBUTIONS - Continued 4. Reinstatement If the Grace Period has ended and you have not paid an amount that will cover the Monthly Deduction, you may request that this coverage be reinstated while you are alive provided: (a) you have not surrendered this Certificate for its Cash Value; and (b) This Plan has not ended; and (c) you have not elected a Paid-up Benefit under this Certificate; and (d) you ask for reinstatement within 3 years after the end of the Grace Period; and (e) you provide evidence of your insurability satisfactory to us; and (f) you pay either: (i) the Monthly Deductions back to the date the coverage under the Certificate ended, plus an amount which is sufficient to keep the Certificate in force for at least 2 months after the date of reinstatement; or (ii) the Monthly Deductions due through the end of the Grace Period plus the next two Monthly Deductions. Once we have determined your evidence of insurability to be satisfactory, the effective date of the reinstated coverage will be the original Effective Date of Certificate if you pay the Monthly Deductions shown in item (f)(i) or the first day of the month on or next following the date we approves such request if you pay the Monthly Deductions shown in item (f)(ii). 5. Continuation of Insurance If the Planned Contributions are not paid periodically as planned, the Insurance will remain in force as long as the Cash Value is sufficient to cover the Monthly Deduction. However, the Insurance will not continue beyond the Final Date of Certificate. On any Monthly Anniversary where the Cash Value is less than the Monthly Deduction for that month, the Grace Period provision will apply. If you are living on the Final Date of Certificate and the Insurance is then in force, we will pay you the Cash Value, if any. The Planned Contribution which was selected and which is shown on the Certificate Specifications page may not provide coverage to the Final Date of Certificate even if the Planned Contribution is paid as scheduled. The period for which coverage will continue will be affected by: (a) the amount, time and frequency of contribution payments; (b) changes in the Specified Amount; (c) changes in interest credits and Cost of Insurance; (d) deductions for any additional Riders; and (e) any Partial Cash Withdrawals or loans under this Certificate. 6. Termination of Payroll Deduction Plan If the Payroll Deduction Plan ends, This Plan will end (see Section IV, item 7, page 12). Form G.9704(2003) 14

24 VI. BENEFICIARY 1. Your Beneficiary The "Beneficiary" is the person or persons you choose to receive any benefit payable because of your death. You make the choice in Writing on a form approved by us. This form must be filed with the records for This Plan. You may change the Beneficiary at any time by filing a new form with the Administrator. You do not need the consent of the Beneficiary to make a change. When the Administrator receives a form changing the Beneficiary, the change will take effect as of the date you Signed it. The change of Beneficiary will take effect even if you are not alive when it is received. A change of Beneficiary will not apply to any payment made by us prior to the date the form was received by the Administrator. Your choice of a Beneficiary for a personal policy issued under RIGHT TO OBTAIN A PERSONAL POLICY OF LIFE INSURANCE ON YOUR OWN LIFE will be effective for This Plan as well. 2. More Than One Beneficiary If, when you die, more than one person is your Beneficiary, they will share in the benefits equally, unless you have chosen otherwise. 3. Death of a Beneficiary A person's rights as a Beneficiary end if: (a) that person dies before your death occurs; or (b) that person dies at the same time your death occurs; or (c) that person dies within 24 hours of your death. The share for that person will be divided among the surviving persons you have named as Beneficiary, unless you have chosen otherwise. The following provision does not apply to Residents of Kansas: 4. No Beneficiary at Your Death If there is no Beneficiary at your death for any amount of benefits payable because of your death, that amount will be paid to your estate. However, we may instead pay all or part of that amount to one or more of the following persons who are related to you and who survive you: (a) Spouse; (b) child(ren); (c) parents; (d) brother and sister. Any payment will discharge our liability for the amount so paid. For Residents of Kansas, the following provision applies: 4. No Beneficiary at Your Death If there is no Beneficiary at your death for any amount of benefits payable because of your death, we will determine the Beneficiary to be one or more of the following who survive you: (a) Spouse; (b) child(ren); (c) parents; (d) sibling(s) or your estate if there is no surviving sibling. Any payment will discharge our liability for the amount so paid. Form G.9704(2003) 15

25 VI. BENEFICIARY - Continued For Residents of North Carolina and Wisconsin, add the following provision: 5. Payment of Funeral Benefits We may, at our option, deduct part of the benefits payable to the Beneficiary for the purpose of reimbursing any person who incurred funeral expenses for your death. We may make such payment after we receive Proof that such expenses were incurred. The payment will be equal to the expense incurred up to $250 (For Resident of Wisconsin: up to the maximum of $1,000). Form G.9704(2003) 16

26 VII. RIGHT TO OBTAIN A PERSONAL POLICY OF LIFE INSURANCE ON YOUR OWN LIFE 1. Application We will issue a personal policy of life insurance without disability or accidental death benefits to you *if you apply for it in Writing during the Application Period. [For Oregon residents, replace the *if statement with the following: if we receive a completed conversion application form within 31 days (referred to as the Application Period)]. The Application Period is the 31 day period (For Utah residents: 30 day period) after the date your Death Benefit ends because This Plan ends; or because you are no longer included in a class or classes of employees which remains eligible for This Plan (For Residents of Minnesota and Utah, the following does not apply:) ; but only if your Death Benefit under This Plan has been in effect for at least 5 years (For Residents of Wyoming: 3 years). For Residents of Wisconsin, the preceding paragraph is replaced with the following provision: If there is a Successor Plan, we will issue a personal policy of life insurance without disability or accidental death benefits to you if you apply for it in writing during the Application Period. The Application Period is the 31 day period after the date your Death Benefit ends because: (a) your employment ends or because you are no longer in a class which remains eligible for Death Benefits; or (b) This Plan ends if there is a Successor Plan but only if your Death Benefit under This Plan has been in effect for at least 5 years. Proof that you are insurable is not required by us. For Residents of New Hampshire, please add the following: If you are not given notice, in Writing, of the RIGHT TO OBTAIN A PERSONAL POLICY OF LIFE INSURANCE ON YOUR OWN LIFE at least 15 days before the end of the Application Period, you will have additional time in which to apply. You will then have 15 days from the date you are given the notice in which to apply. 2. Conditions The personal policy will be issued to you subject to these conditions: (a) It will be on one of the forms then usually issued by us (For Residents of Minnesota, add:, excluding term insurance); and (b) It will not take effect until after the Application Period ends; and (c) The premium for the policy will be based on: (1) the class of risk to which you belong; and (2) your age on the effective date of the policy; and (3) the form and amount of the policy; and (d) The amount of the policy will not be more than the lesser of: *(1) the amount of your Insurance on the date the Death Benefit ends, less any amount of life insurance for which you may be eligible under any group policy which takes effect within 31 days after your Death Benefit ends; and (2) $10,000. *For Residents of Wyoming: only item 1 above applies. For Residents of Minnesota, replace item (d) above with the following: (d) The amount of the policy will not be more than the amount of your Insurance on the date the Death Benefit ends. For Residents of Wisconsin, replace item (d) above with the following provisions: (d) If item 1(a) applies to you, the amount of the policy will not be more than the amount of your Insurance on the date the Death Benefit ends; and (e) If item 1(b) applies to you, the amount of the policy will not be more than the lesser of: Form G.9704(2003) 17