DAY RIGHT TO CANCEL. You, the buyer, have the right to cancel this contract within three business days. You may cancel by e-mailing, mailing, faxing, or delivering a written notice to the contractor at the contractor’s place of business by midnight of the third business day after you received a signed and dated copy of the contract that includes this notice. Include your name, your address, and the date you received the signed copy of the contract and this notice. Available from xxx.xxxxxxxxx.xxx & If you cancel, the contractor must return to you anything you paid within 10 days of receiving the notice of cancellation. For your part, you must make available to the contractor at your residence, in substantially as good condition as you receive them, goods delivered to you under this contract or sale. Or, you may, if you wish, comply with the contractor’s instructions on how to return the goods at the contractor’s expense and risk. If you do make the goods available to the contractor and the contractor does not pick them up within 20 days of the date of your notice of cancellation, you may keep them without any further obligation. If you fail to make the goods available to the contractor, or if you agree to return the goods to the contrac- tor and fail to do so, then you remain liable for performance of all obligations under the contract. I, hereby acknowledge that on I was provided this document titled Print Owner’s Name Date “Three-Day Right to Cancel.”

DAY RIGHT TO CANCEL. YOU MAY CANCEL THIS TRANSACTION AT ANY TIME PRIOR TO MIDNIGHT OF THE THIRD BUSINESS DAY AFTER THE DATE OF THIS TRANSACTION. YOU MAY COMMUNICATE ANY CANCELLATION BY TELEPHONE OR MAIL TO XXXX XXXXXXX AT THE ABOVE LISTED ADDRESS AND TELEPHONE NUMBER.

DAY RIGHT TO CANCEL. Notice of Cancellation; Waiver of Right to Cancel; Change Orders (as required); Additional Description of the Project (as required); Additional documents attached: You are entitled to a completely filled in copy of this agreement, signed by both you and the contractor, before any work may be started. The owner or tenant has the right to require the contractor to have a performance and payment bond, however, the contractor can charge you for the costs of obtaining a bond. The law requires that the contractor give you a notice explaining your right to cancel. Initial the checkbox if the contractor has given you a “Notice of the Three-Day Right to Cancel.” X Owner’s Signature Date X Owner’s Signature Date For: Contractor’s Construction, Inc. X Representative’s Signature Date SAMPLE xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.xxx Optional clauses and paragraphs for HOME IMPROVEMENT CONTRACT These may be added to or substituted for clauses on contract and may require the addition of another page to the contract. You may add your own paragraphs or make changes to those already on contract but it is suggested that you not change any wording required by the CSLB. Much of the wording in these paragraphs and in the Contract are required by the CSLB and cannot be changed. Each separate paragraph below is separated by a bold line. Items marked in red on any of the pages can be personal- ized. Home Improvement Salesman that solicited or negotiated the contract: Registration No. Finance Charge: $ Must be stated separately from Contract amount. OR Finance Charge: % per month for past due contracts. Minimum charge: $ . Must be stated separately from Contract amount. Authorization to Proceed with Work — I hereby authorize the herein described work at the listed contract price. In the event that collection efforts are initiated against me. I shall pay for all associated fees at the posted rates. By the addition of my signature below, I agree that I have received a copy of this contract and all documents in the List of Documents to be Incorporated into the Contract, and that I have read, under- stand, and agree to the terms listed herein and on the reverse side. X Owner’s Signature Date X Owner’s Signature Date For: (Contractor/Firm Name) X Representative’s Signature Date Acceptance of Work Performed — I acknowledge satisfactory completion of the above described work, and that the premises have been left in a satisfactory condition. I understand that if my check does not clear, I cou...

DAY RIGHT TO CANCEL. HAS BEEN WAIVED) Thank you allowing us to service you and thank you for choosing Construction Labor Serices, LLC. Contruction Labor Services, LLC Insured Signater / Homeowner ________________________________ _________________________________ Authorized Signature / Date Authorized Signature / Date ________________________________ _________________________________ Print Name / Title Print Name / Title Witness ________________________________ Authorized Signature / Date ________________________________ Print Name / Title

DAY RIGHT TO CANCEL. You, the buyer, have the right to cancel this contract within three business days. You may cancel by e-mailing, mailing, faxing, or delivering a written notice to the contractor at the contractor’s place of business by midnight of the third business day after you received a signed and dated copy of the contract that includes this notice. Include your name, your address, and the date you received the signed copy of the contract and this notice. If you cancel, the contractor must return to you anything you paid within 10 days of receiving the notice of cancellation. For your part, you must make available to the contractor at your residence, in substantially as good condition as you received it, any goods delivered to you under this contract or sale. Or, you may, if you wish, comply with the contractor’s instructions on how to return the goods at the contractor’s expense and risk. If you do make the goods available to the contractor and the contractor does not pick them up within 20 days of the date of your notice of cancellation, you may keep them without any further obligation. if you fail to make the goods available to the contractor, or if you agree to return the goods to the contractor and fail to do so, then you remain liable for performance of all obligations under the contract.

DAY RIGHT TO CANCEL. In addition to all other rights herein, Buyer may cancel this Agreement for any reason within 10 days of signing this Agreement by submitting a written notice of cancellation as set forth above. If the Agreement is so cancelled, Buyer will be entitled to a refund of all fees paid (and will be forgiven from future payments, if any) less the per session rate set forth on page 1, multiplied by the number of sessions completed (including any “no-shows” as described herein).

DAY RIGHT TO CANCEL. You may cancel this contract by delivering or mailing a written notice to us or your agent. You must return the contract before midnight of the twentieth day after the day you receive it. Notice given by mail and return of the contract by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the policy value, including any fees and charges, within 10 days after we receive notice of cancellation and the returned contract. If this contract is a replacement of another contract, the Right to Cancel period is extended to 60 days and we will return the policy value, including any fees and charges, for this contract within 10 days after we receive notice of cancellation and the returned contract. The value of the subaccount(s) is based on the value of the separate account assets which are not guaranteed as to fixed dollar amounts and will increase or decrease in value based on investment results. Signed for us at our home office. [/s/ Illegible] [/s/ Illegible] SECRETARY PRESIDENT This policy is a legal contract between the policyowner and the Company. READ YOUR POLICY CAREFULLY Flexible Premium Deferred Variable Annuity Income Payable At Annuity Commencement Date Benefits Based On The Performance Of The Separate Account Are Variable And Are Not Guaranteed As To Dollar Amount (See Sections 5, 6, 9 and 10C) Non-Participating WE RESERVE THE RIGHT TO (I) REFUSE PREMIUM PAYMENTS TO THE FIXED ACCOUNT, AND (II) PROHIBIT TRANSFERS TO THE FIXED ACCOUNT, AFTER THE POLICY DATE AV1178 101 194 904 SECTION 6 - SEPARATE ACCOUNT SEPARATE ACCOUNT We have established and will maintain one or more separate accounts, under the laws of the state of New York. Any realized or unrealized income, net gains and losses from the assets of the separate account are credited to or charged against it without regard to our other income, gains, or losses. Assets are put in the separate account for this policy, as well as for other variable annuity policies. Any separate account may invest assets in shares of one or more mutual fund portfolio, or in the case of a managed separate account, direct investments in stocks or other securities as permitted by law. Fund shares refer to shares of underlying mutual funds or prorata ownership of the assets held in a subaccount of a managed separate account. Fund shares are purchased, redeemed, and valued on behalf of the separate account. The separate account is divided into subaccounts. Each subaccount invests exclusi...

DAY RIGHT TO CANCEL. THIS CONTRACT MAY BE RETURNED BY DELIVERING OR MAILING IT WITHIN 10 DAYS AFTER ITS RECEIPT TO THE COMPANY AT BOSTON, MASSACHUSETTS, OR TO THE AGENT OR AGENCY OFFICE THROUGH WHICH IT WAS DELIVERED, WITH A WRITTEN REQUEST FOR CANCELLATION. IMMEDIATELY ON SUCH DELIVERY OR MAILING AND SUCH WRITTEN REQUEST, THE CONTRACT SHALL BE DEEMED VOID FROM THE BEGINNING AND A REFUND WILL BE MADE WITHIN 10 DAYS. THE AMOUNT REFUNDED WILL BE THE SUM OF (I) THE ACCUMULATED VALUE AT THE END OF THE VALUATION PERIOD DURING WHICH WE RECEIVE THE CONTRACT AND (II) THE SUM OF ALL CHARGES MADE WITH RESPECT TO THE CONTRACT. Signed for the Company at Boston, Massachusetts.

DAY RIGHT TO CANCEL. You may cancel this contract by delivering or mailing a written notice to us or Your agent. You must return the contract before midnight of the twentieth day after the day You receive it. Notice given by mail and return of the contract by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the Policy Value, including any fees and charges, within 10 days after we receive notice of cancellation and the returned contract. If this contract is a replacement of another contract, the Right to Cancel period is extended to 60 days and we will return the Policy Value, including any fees and charges, for this contract within 10 days after we receive notice of cancellation and the returned contract. The value of the Subaccount(s) is based on the value of the Separate Account assets which are not guaranteed as to fixed dollar amounts and will increase or decrease in value based on investment results. Signed for us at our home office. /s/ Illegible /s/ Illegible -------------------------------- -------------------------------- SECRETARY PRESIDENT This policy is a legal contract between the policyowner and the company. READ YOUR POLICY CAREFULLY

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