Common use of ACCUMULATION PROVISIONS Clause in Contracts

ACCUMULATION PROVISIONS. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Certificate shall be the sum of the values of the Accumulation Units held in the Variable Accounts for the Participant. NUMBER OF ACCUMULATION UNITS For each Variable Account, the number of Accumulation Units is the sum of: Each Purchase Payment and transfer allocated to the Variable Account, reduced by applicable premium taxes, if any: Divided by The Accumulation Unit Value for that Variable Account as of the Valuation Period in which the Purchase Payment or transfer amount is received. The number of Accumulation Units will be similarly adjusted for withdrawals, annuitizations, transfers, and charges. Adjustments will be made as of the end of the Valuation Period in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Account for any Valuation Period is calculated by subtracting (2) from (1) and dividing the result by (3) where: (1) is the total value at the end of the given Valuation Period of the assets attributable to the Accumulation Units of the Variable Account minus the total liabilities; (2) is the cumulative unpaid charge for assumption of mortality expense and distribution expense risks (See CHARGES AND DEDUCTIONS); (3) is the number of Accumulation Units outstanding at the end of the given Valuation Period. FIXED ACCOUNT ACCUMULATION VALUE Under a Certificate, the Fixed Account Accumulation Value shall be the sum of all monies allocated or transferred to the Fixed Account, reduced by any applicable premium taxes, plus all interest credited on the Fixed Account during the period that the Certificate has been in effect. This amount shall be adjusted for withdrawals, annuitizations, transfers, and charges. FIXED ACCOUNT GUARANTEE PERIOD OPTIONS For any amounts allocated to the Fixed Account, the Participant will select the duration of the Guarantee Period(s) from those listed on the Certificate Data Page. Such amounts will earn interest at the Current Interest Rate for the chosen duration, compounded annually during the entire Guarantee Period. In no event will the Current Interest Rate be less than the Subsequent Guarantee Rate specified on the Certificate Data Page. Each deposit allocated to the Fixed Account will have its own Guarantee Period and Current Interest Rate. You may allocate Purchase Payments, or make transfers from the Variable Account Options, to the Fixed Account at any time prior to the Annuity Date. However, no Guarantee Period other than one year may be chosen which extends beyond the Annuity Date. For thirty (30) days following the date of expiration

ACCUMULATION PROVISIONS. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Certificate Contract shall be the sum of the values of the Accumulation Units held in the Variable Accounts Subaccounts for the ParticipantOwner. NUMBER OF ACCUMULATION UNITS For each Variable AccountSubaccount, the number of Accumulation Units is the sum of: Each of each Purchase Payment and and/or transfer amount allocated to the Variable Account, reduced by applicable premium taxes, if anySubaccount: Divided by The Accumulation Unit Value value for that Variable Account as of Subaccount for the Valuation Period in NYSE business day on which the Purchase Payment or transfer amount is receivedallocated. The number of Accumulation Units will be similarly adjusted for withdrawals, annuitizations, transfers, transfers and charges. Adjustments will be made as of the end of the Valuation Period in NYSE business day on which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Account Subaccount for any Valuation Period NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where: (1) is the total value at the end of for the given Valuation Period NYSE business day of the assets attributable to the Accumulation Units of the Variable Account Subaccount, minus the total liabilities; (2) is the cumulative unpaid charge for assumption of mortality expense Expense Risk, Mortality Risk and distribution expense risks Guaranteed Death Benefit Risk charges (See CHARGES AND DEDUCTIONS); and (3) is the number of Accumulation Units outstanding at the end of the given Valuation PeriodNYSE business day. FIXED ACCOUNT ACCUMULATION VALUE Under a Certificatethe Contract, the Fixed Account Accumulation Value shall be the sum of all monies allocated or transferred to then invested in the Fixed Account, reduced by any applicable premium taxes, Account Option(s) plus all interest credited on the Fixed Account during the period that the Certificate has been in effectthereto. This amount shall be adjusted for withdrawals, annuitizations, transfers, transfers and applicable charges. The Fixed Account Accumulation Value shall not be less than the minimum values required by law in the state where this Contract is issued. FIXED ACCOUNT GUARANTEE PERIOD OPTIONS For any AND INTEREST CREDITING Any amounts allocated to the Fixed Account, Account Options from the Participant initial Purchase Payment will select earn interest at the Initial Interest Rate for the Fixed Account Option(s) selected for the duration of the Guarantee Period(s) from those listed on Period. Subsequent Purchase Payments allocated to the Certificate Data Page. Such amounts Fixed Account Options will earn interest at the Current Interest Rate for the chosen duration, compounded annually during Fixed Account Option(s) selected for the entire duration of the Guarantee Period. In no event will the Current Interest Rate be less than the Subsequent Guarantee Rate specified on the Certificate Data Page. Each deposit allocated to the Fixed Account will have its own Guarantee Period and Current Interest Rate. You may allocate Purchase Payments, or make transfers from the Variable Account Options, to the Fixed Account at any time prior to the Annuity Date. However, no Guarantee Period other than one year may be chosen which extends beyond the Annuity Date. For thirty (30) days following the date of expiration.

ACCUMULATION PROVISIONS. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Certificate Contract shall be the sum of the values of the Accumulation Units held in the Variable Accounts Portfolios for the ParticipantOwner. NUMBER OF ACCUMULATION UNITS Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable AccountPortfolio, the number of Accumulation Units credited is equal to the sum of: Each of each Purchase Payment and and/or transfer amount allocated to the that Variable Account, Portfolio reduced by applicable premium taxes, if any: Divided by The Accumulation Unit Value value for that Variable Account as of Portfolio for the Valuation Period NYSE business day in which the Purchase Payment or transfer amount is receivedallocated. The number of Accumulation Units will be similarly adjusted reduced for withdrawalswithdrawals of Contract Value, annuitizations, transfersamounts transferred out of a Variable Portfolio, and chargesthe Contract Administration Charge. Adjustments Reductions will be made as of the end of the Valuation Period NYSE business day in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Account Portfolio for any Valuation Period NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where: (1) is the total value at the end of the given Valuation Period NYSE business day of the assets attributable to the Accumulation Units of the Variable Account Portfolio minus the total liabilities; (2) is the cumulative unpaid charge for assumption of mortality expense Expense Risk, Distribution Expense, Mortality Risk and distribution expense risks Guaranteed Death Benefit Risk charges (See CHARGES AND DEDUCTIONS); (3) is the number of Accumulation Units outstanding at the end of the given Valuation PeriodNYSE business day. FIXED ACCOUNT ACCUMULATION VALUE Under a CertificateContract, the Fixed Account Accumulation Value shall be the sum of all monies allocated or transferred to the Fixed AccountAccount Option(s), reduced by any applicable premium taxes, plus all interest credited on the Fixed Account Option(s) during the period that the Certificate Contract has been in effect. This amount shall be adjusted for withdrawals (which includes any applicable charges associated with such withdrawals), annuitizations, transfers, any applicable MVA on such transactions and chargesthe Contract Administration Charge. FIXED ACCOUNT GUARANTEE PERIOD OPTIONS For any amounts allocated to the The Fixed Account, the Participant will select the duration of the Guarantee Period(s) from those listed on the Certificate Data Page. Such amounts will earn interest at the Current Interest Rate for the chosen duration, compounded annually during the entire Guarantee Period. In no event will the Current Interest Rate Account Accumulation Value shall not be less than the Subsequent Guarantee Rate specified on minimum values required by law in the Certificate Data Page. Each deposit allocated to the Fixed Account will have its own Guarantee Period and Current Interest Rate. You may allocate Purchase Payments, or make transfers from the Variable Account Options, to the Fixed Account at any time prior to the Annuity Date. However, no Guarantee Period other than one year may be chosen which extends beyond the Annuity Date. For thirty (30) days following the date of expirationstate where this Contract is issued.

ACCUMULATION PROVISIONS. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Certificate shall be the sum of the values of the Accumulation Units held in the Variable Accounts Portfolios for the Participant. NUMBER OF ACCUMULATION UNITS Your Certificate is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable AccountPortfolio, the number of Accumulation Units credited is equal to the sum of: Each of each Purchase Payment and and/or transfer amount allocated to the that Variable Account, Portfolio reduced by applicable premium taxes, if any: Divided by The Accumulation Unit Value value for that Variable Account as of Portfolio for the Valuation Period NYSE business day in which the Purchase Payment or transfer amount is receivedallocated. The number of Accumulation Units will be similarly adjusted reduced for withdrawalswithdrawals of Certificate Value, annuitizations, transfersamounts transferred out of a Variable Portfolio, and chargesthe Certificate Administration Charge. Adjustments Reductions will be made as of the end of the Valuation Period NYSE business day in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Account Portfolio for any Valuation Period NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where: (1) is the total value at the end of the given Valuation Period NYSE business day of the assets attributable to the Accumulation Units of the Variable Account Portfolio minus the total liabilities; ; (2) is the cumulative unpaid charge for assumption of mortality expense Expense Risk, Distribution Expense, Mortality Risk and distribution expense risks Guaranteed Death Benefit Risk charges (See CHARGES AND DEDUCTIONS); ; (3) is the number of Accumulation Units outstanding at the end of the given Valuation PeriodNYSE business day. FIXED ACCOUNT ACCUMULATION VALUE Under a Certificate, the Fixed Account Accumulation Value shall be the sum of all monies allocated or transferred to the Fixed AccountAccount Option(s), reduced by any applicable premium taxes, plus all interest credited on the Fixed Account Option(s) during the period that the Certificate has been in effect. This amount shall be adjusted for withdrawals (which includes any applicable charges associated with such withdrawals), annuitizations, transfers, any applicable MVA on such transactions and charges. FIXED ACCOUNT GUARANTEE PERIOD OPTIONS For any amounts allocated to the Fixed Account, the Participant will select the duration of the Guarantee Period(s) from those listed on the Certificate Data PageAdministration Charge. Such amounts will earn interest at the Current Interest Rate for the chosen duration, compounded annually during the entire Guarantee Period. In no event will the Current Interest Rate The Fixed Account Accumulation Value shall not be less than the Subsequent Guarantee Rate specified on minimum values required by law in the state where this Certificate Data Page. Each deposit allocated to the Fixed Account will have its own Guarantee Period and Current Interest Rate. You may allocate Purchase Payments, or make transfers from the Variable Account Options, to the Fixed Account at any time prior to the Annuity Date. However, no Guarantee Period other than one year may be chosen which extends beyond the Annuity Date. For thirty (30) days following the date of expirationis issued.