Common use of AMOUNT OF ANNUITY BENEFITS Clause in Contracts

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value if the payments under the annuity form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract will be governed by our supplementary contract then in effect. The amount to be applied to provide an Annuity Benefit will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females. The amounts of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form are based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever applies pursuant to Section 1.24. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Income Return of 5% or 3.5%, whichever applies pursuant to Section 1.24, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, elect pursuant to the first or third paragraph of Section 3.03, 3.03 to receive have an Annuity Benefit paid in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value if the payments under the annuity form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by a charge for any applicable tax charge taxes on annuity considerations, as we determine. If we have previously deducted any charges for applicable tax charges taxes from Contributions contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your this Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract will be governed by our supplementary contract then in effect. The amount to be applied to provide an Annuity Benefit will, will in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, indicated on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse)Ten Years Certain. The amounts amount of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, are with Ten Years Certain is based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females". The amounts of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form are with Ten Years Certain is based on a 50-50 split of males the 1983 Individual Annuity Table "a" and females and on an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.22. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females if such annuity form provides for a Fixed Annuity Benefit, Benefit and on the projected 1983 Basic same such Table "a" adjusted to a unisex basis based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever applies applies, pursuant to Section 1.241.22, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, elect pursuant to the first or third paragraph of Section 3.03, 3.03 to receive have paid an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies contingencies, or (ii) the Cash Value if the payments under the annuity form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by a charge for any applicable tax charge taxes on annuity considerations, as we determine. If we have previously deducted any charges for applicable tax charges taxes from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your this Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your this Contract will be governed by our supplementary contract then in effect. The If an amount to be is applied to provide an Annuity Benefit Benefit, the amount to be applied will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts amount of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, are is based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females. The amounts of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females at age zero and an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.23. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females at age zero if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females at age zero and an Assumed Base Rate of Net Investment Income Return of 5% or 3.5%, whichever applies pursuant to Section 1.241.23, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, elect pursuant to the first or third paragraph of Section 3.03, 3.03 to receive have paid an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies contingencies, or (ii) the Cash Value if the payments under the annuity form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by a charge for any applicable tax charge taxes on annuity considerations, as we determine. If we have previously deducted any charges for applicable tax charges taxes from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your this Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your this Contract will be governed by our supplementary contract then in effect. The If an amount is applied to an Annuity Benefit, the amount to be applied to provide an Annuity Benefit will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts amount of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, are is based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females. The amounts of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and Joint Survivor Life Annuity Form are based on a 50-50 split of males and females at age zero and an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.23. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females at age zero if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females at age zero and an Assumed Base Rate of Net Investment Income Return of 5% or 3.5%, whichever applies pursuant to Section 1.241.23, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value Value, if the payments under the annuity form Annuity Form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges charge from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below below, or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract contract will be governed by our supplementary contract then in effect. The If an amount to be is applied to provide an Annuity Benefit Benefit, the amount to be applied will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, Form are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females, at age zero. The amounts amount of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and the Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Income Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.24. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero, if such annuity form provides for a Fixed Annuity Benefit, and on the same such projected 1983 Basic Table "a" ", adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever applies pursuant to Section 1.24, 1.24 if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the payments under the annuity form elected involves life contingencies contingencies, or (ii) the Cash Value if the payments under the annuity form Annuity Form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges charge from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract will be governed by our supplementary contract then in effect. The amount to be applied to provide an Annuity Benefit will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts amount of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Mortality Form, are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females, at age zero. The amounts amount of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and the Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.26. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero, if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever applies pursuant to Section 1.241.26, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value Value, if the payments under the annuity form Annuity Form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges charge from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below below, or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract contract will be governed by our supplementary contract then in effect. The If an amount to be is applied to provide an Annuity Benefit Benefit, the amount to be applied will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form form and Joint and Survivor Life Annuity Form, Form are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females, at age zero. The amounts amount of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and the Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Income Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.24. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero, if such annuity form provides for a Fixed Annuity Benefit, and on the same such projected 1983 Basic Table "a" ", adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever applies pursuant to Section 1.24, 1.24 if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value Value, if the payments under the annuity form Annuity Form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges charge from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity annuity Payments shown below below, or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract contract will be governed by our supplementary contract then in effect. The If an amount to be is applied to provide an Annuity Benefit Benefit, the amount to be applied will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contractcontract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, Form are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females". The amounts amount of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and the Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females the 1983 Individual Annuity Table "a" and an Assumed Base Rate of Net Investment Income Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.22. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic same such Table "a" adjusted to a unisex basis based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever applies pursuant to Section 1.24, 1.22 if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you electIf, pursuant to the first or third paragraph of Section 3.03, an election is made to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value less any outstanding loan if the annuity form elected involves life contingencies or (ii) the Cash Value if the payments under the annuity form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your this Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract will be governed by our supplementary contract then in effect. The amount to be applied to provide an Annuity Benefit will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts amount of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, are is based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and femalesfemales at age zero. The amounts of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form are based on a 50-50 split of males and females at age zero and an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.24. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females at age zero if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females at age zero and an Assumed Base Rate of Net Investment Income Return of 5% or 3.5%, whichever applies pursuant to Section 1.24, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value if the payments under the annuity form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract will be governed by our supplementary contract then in effect. The amount to be applied to provide an Annuity Benefit will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females. The amounts of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form are based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.24. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females if such annuity form from provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Income Return of 5% or 3.5%, whichever applies pursuant to Section 1.24, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, elect pursuant to the first or third paragraph of Section 3.03, 3.02 to receive have paid an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value if the payments under the annuity form elected does not involve life contingenciesValue. The amount applied to provide an Annuity Benefit may be reduced by a charge for any applicable tax charge taxes on annuity considerations, as we determine. If we have previously deducted any charges for applicable tax charges taxes from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your this Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your this Contract will be governed by our supplementary contract then in effect. The If an amount to be is applied to provide an Annuity Benefit the amount to be applied will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and Benefit the Annuity Account Value shall be zero. The Tables Table of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Account Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse)as a Period Certain Annuity. The amounts of income provided under the Fixed Annuity Benefit payable on the Life Period Certain Annuity Form and Joint and Survivor Life Annuity Form, are based on 3.5% interest interest. We may change the monthly income amounts contained in the Table of Guaranteed Annuity Payments and the 1983 Individual Annuity Mortality Table "a" adjusted basis for determining such amounts, for new Annuitants, by at least 90 days advance notice to a unisex basis based on a 50-50 split of males the Owner and females. The amounts of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form are based on a 50-50 split of males and females and by an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever applies pursuant amendment to Section 1.24this Contract. Amounts required for ages or for annuity forms periods certain not shown in the Tables Table will be calculated by us on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Income Return of 5% or 3.5%, whichever applies pursuant to Section 1.24, if such annuity form provides for a Variable Annuity Benefitinterest.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the payments under the annuity form elected involves life contingencies contingencies, or (ii) the Cash Value if the payments under the annuity form Annuity Form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges charge from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract will be governed by our supplementary contract then in effect. The amount to be applied to provide an Annuity Benefit will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts amount of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females, at age zero. The amounts amount of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and the Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.26. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero, if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever applies pursuant to Section 1.241.26, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, elect pursuant to the first or third paragraph of Section 3.03, 3.03 to receive have paid an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies contingencies, or (ii) the Cash Value if the payments under the annuity form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerationsApplicable Tax Charge, as we determine. If we have previously deducted any applicable tax charges Charges from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your this Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your this Contract will be governed by our supplementary contract then in effect. The If an amount to be is applied to provide an Annuity Benefit Benefit, the amount to be applied will, in addition to any tax charge reductionreduction for an Applicable Tax Charge, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions Investment Options and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment to the Annuitant continued to your the Annuitant's spouse). The amounts amount of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, are is based on 3.52.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females. The amounts of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females at age zero and an Assumed Base Rate of Net Investment Return of 3.52.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.23. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us on 3.52.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females at age zero if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females at age zero and an Assumed Base Rate of Net Investment Income Return of 5% or 3.52.5%, whichever applies pursuant to Section 1.241.23, if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value Value, if the payments under the annuity form Annuity Form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges charge from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below below, or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract contract will be governed by our supplementary contract then in effect. The If an amount to be is applied to provide an Annuity Benefit Benefit, the amount to be applied will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on or a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, Form are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females". The amounts amount of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and the Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females the 1983 Individual Annuity Table "a" and an Assumed Base Rate of Net Investment Income Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.22. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic same such Table "a" adjusted to a unisex basis based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever applies pursuant to Section 1.24, 1.22 if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the annuity form elected involves life contingencies or (ii) the Cash Value Value, if the payments under the annuity form Annuity Form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. , If we have previously deducted any applicable tax charges charge from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below below, or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract contract will be governed by our supplementary contract then in effect. The If an amount to be is applied to provide an Annuity Benefit Benefit, the amount to be applied will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form, Form are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females". The amounts amount of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and the Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females the 1983 Individual Annuity Table "a" and an Assumed Base Rate of Net Investment Income Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.22. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic same such Table "a" adjusted to a unisex basis based on a 50-50 split of males and females and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever which applies pursuant to Section 1.24, 1.22 if such annuity form provides for a Variable Annuity Benefit.

AMOUNT OF ANNUITY BENEFITS. If you elect, pursuant to the first or third paragraph of Section 3.03, to receive an Annuity Benefit in lieu of the Cash Value, the amount applied to provide the Annuity Benefit will be (i) the Annuity Account Value if the payments under the annuity form elected involves life contingencies contingencies, or (ii) the Cash Value if the payments under the annuity form Annuity Form elected does not involve life contingencies. The amount applied to provide an Annuity Benefit may be reduced by any applicable tax charge on annuity considerations, as we determine. If we have previously deducted any applicable tax charges charge from Contributions as provided in Section 2.01, we will not again deduct charges for the same taxes before application to provide an Annuity Benefit, unless a change in applicable law has occurred with respect to your Contract. The balance shall purchase the Annuity Benefit on the basis of either (i) the Table of Guaranteed Annuity Payments shown below below, or (ii) our current individual annuity rates for payment of proceeds, whichever rates would provide a larger benefit with respect to the payee. Regardless of the basis used, your Contract will be governed by our supplementary contract then in effect. The amount to be applied to provide an Annuity Benefit will, in addition to any tax charge reduction, be reduced by an administrative charge. The amount of such charge will be determined from time to time in accordance with our general practices applicable on a uniform basis to all contracts of the same type as this Contract. After the application of an amount to provide an Annuity Benefit, the amounts you have in the Divisions and the Annuity Account Value shall be zero. The Tables of Guaranteed Annuity Payments set forth the minimum amount of monthly income that $1,000 of Annuity Value will provide under the terms of this Contract, as indicated, on either the Life Annuity Form or the Joint and Survivor Life Annuity Form (with 100% of the amount of your payment continued to your spouse). The amounts amount of income provided under the Fixed Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Mortality Form, are based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females, at age zero. The amounts amount of income initially provided under the Variable Annuity Benefit payable on the Life Annuity Form and Joint and Survivor Life Annuity Form are based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Return of 3.5% or 5%,whichever 5%, whichever applies pursuant to Section 1.241.26. Amounts required for ages or for annuity forms not shown in the Tables will be calculated by us based on 3.5% interest and the 1983 Individual Annuity Mortality Table "a" adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero, if such annuity form provides for a Fixed Annuity Benefit, and on the projected 1983 Basic Table "a" adjusted to a unisex basis based on a 50-50 split of males and females females, at age zero and an Assumed Base Rate of Net Investment Income Return of 53.5% or 3.55%, whichever applies pursuant to Section 1.241.26, if such annuity form provides for a Variable Annuity Benefit.