Common use of ACCUMULATION UNITS Clause in Contracts

ACCUMULATION UNITS. The interest of this contract in the Separate Account, prior to the date on which amounts become payable under a payment plan, is represented by Accumulation Units. The dollar value of Accumulation Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Accumulation Unit on any Valuation Date is the product of: . the value on the immediately preceding Valuation Date; and . the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period). There may be Class A and Class B Accumulation Units. The Mortality and Expense Risk Charge for each class is shown on page 4. Net Purchase Payments applied to the Separate Account and transfers from the Class B Guaranteed Interest Fund purchase Class B Accumulation Units until conversion takes place as described in Section 7.3.

ACCUMULATION UNITS. The interest of this contract in the Separate Account, prior to the date on which amounts become payable under a payment plan, is represented by Accumulation Units. The dollar value of Accumulation Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Accumulation Unit on any Valuation Date is the product of: . o the value on the immediately preceding Valuation Date; and . o the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period). There may be Class A and Class B Accumulation Units. The Mortality and Expense Risk Charge for each class is shown on page 4. Net Purchase Payments applied to the Separate Account and transfers from the Class B Guaranteed Interest Fund purchase Class B Accumulation Units until conversion takes place as described in Section 7.3.

ACCUMULATION UNITS. The interest of this contract in the Separate Account, prior to the date on which amounts become payable under a payment plan, is represented by Accumulation Units. The dollar value of Accumulation Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Accumulation Unit on any Valuation Date is the product of: . - the value on the immediately preceding Valuation Date; and . - the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period). There may be Class A and Class B Accumulation Units. The Mortality and Expense Risk Charge for each class is shown on page 4. Net Purchase Payments applied to the Separate Account and transfers from the Class B Guaranteed Interest Fund purchase Class B Accumulation Units until conversion takes place as described in Section 7.3.

ACCUMULATION UNITS. The interest of this contract in the Separate Account, prior to the date on which amounts become payable under a payment plan, is represented by Accumulation Units. The dollar value of Accumulation Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Accumulation Unit on any Valuation Date is the product of: . • the value on the immediately preceding Valuation Date; and . • the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period). There may be Class A and Class B Accumulation Units. The Mortality and Expense Risk Charge for each class is shown on page 4. Net Purchase Payments applied to the Separate Account and transfers from the Class B Guaranteed Interest Fund purchase Class B Accumulation Units until conversion takes place as described in Section 7.3.. RR.V.B.BK.(0803) 6