Common use of AG Account Market Value Adjustment Clause in Contracts

AG Account Market Value Adjustment. (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option. The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows: x --- 365 (1 + i) ---------------- x --- 365 (1 + j) Where:

AG Account Market Value Adjustment. (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An Except as noted in Section 7.09, 10.02 and 12.01, an MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option. The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows: x --- 365 (1 + i) ---------------- ------------ x --- 365 (1 i + j) Where:

AG Account Market Value Adjustment. (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option. The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows: x --- 365 (1 + i) ---------------- ------------------ x --- 365 (1 + j) Where:365

AG Account Market Value Adjustment. (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option. The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows: x --- 365 (1 + i) ---------------- -------------------- x --- 365 (1 + j) Where:

AG Account Market Value Adjustment. (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An Except as noted in Section 7.09, 10.02 and 12.01, an MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option. The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows: x --- 365 (1 + i1+i) ---------------- ------------ x --- 365 (1 + j1+j) Where:

AG Account Market Value Adjustment. (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option. The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows: x --- 365 (1 + i) ---------------- ------------------ x --- 365 (1 + j) Where: