Common use of Annuity Contract Clause in Contracts

Annuity Contract. The benefits available under this Contract, including the Contract Value, death benefit and the annuity income payments, when based on the investment experience of the separate account, are variable. They will increase or decrease based as a result of fluctuations in the net investment factor described on page 7 of the Contract. There is no minimum guaranteed value for amounts allocated to the separate account. Variable annuity income payments are determined by the Annuity Unit Value(s) of the Sub-Account(s) you select and will increase or decrease as a result of fluctuations in the net investment factor above or below the yearly Assumed Investment Return of 4.75%, as described on page 10 of the Contract. The explicit charges assessed against the separate account are described on the Schedule. WAIVER OF SURRENDER CHARGES Surrender charges are waived if the Contract’s specified conditions are met.

Annuity Contract. The benefits available under this Contract, including the Contract Value, death benefit and the annuity income payments, when based on the investment experience of the separate account, are variable. They will increase or and decrease based as a result of fluctuations in the net investment factor described on page 7 13 of the Contract. There is no minimum guaranteed value guarantee for amounts allocated to the separate account. Variable annuity income payments are determined by the Annuity Unit Value(s) of the Sub-Account(s) you select and will increase or decrease as a result of fluctuations in the net investment factor above or below the yearly Assumed Investment Return of 4.755%, as described on page 10 pages 16 and 17 of the Contract. The explicit charges assessed against the separate account are described on the Schedule. WAIVER OF SURRENDER CHARGES Surrender charges are waived if the Contract’s specified conditions are met.

Annuity Contract. The benefits available under this Contract, including the Contract Value, death benefit and the annuity income payments, when based on the investment experience of the separate account, are variable. They will increase or decrease based as a result of fluctuations in the net investment factor described on page 7 of the Contract. There is no minimum guaranteed value for amounts allocated to the separate account. Variable annuity income payments are determined by the Annuity Unit Value(s) of the Sub-Account(s) you select and will increase or decrease as a result of fluctuations in the net investment factor above or below the yearly Assumed Investment Return of 4.755%, as described on page 10 of the Contract. The explicit charges assessed against the separate account are described on the Schedule. WAIVER OF SURRENDER CHARGES Surrender charges are waived if the Contract’s specified conditions are met.

Annuity Contract. The benefits available under this Contract, including the Contract Value, death benefit and the annuity income payments, when based on the investment experience of the separate account, are variable. They will increase or decrease based as a result of fluctuations in the net investment factor described on page 7 of the Contract. There is no minimum guaranteed value for amounts allocated to the separate account. Variable annuity income payments are determined by the Annuity Unit Value(s) of the Sub-Account(s) you select and will increase or decrease as a result of fluctuations in the net investment factor above or below the yearly Assumed Investment Return of 4.755%, as described on page 10 of the Contract. The explicit charges assessed against the separate account are described on the Schedule. WAIVER OF SURRENDER CHARGES Surrender charges are waived if the Contract’s specified conditions are met.

Annuity Contract. The benefits available under this Contract, including the Contract Value, death benefit and the annuity income payments, when based on the investment experience of the separate account, are variable. They will increase or and decrease based as a result of fluctuations in the net investment factor described on page 7 13 of the Contract. There is no minimum guaranteed value guarantee for amounts allocated to the separate account. Variable annuity income payments are determined by the Annuity Unit Value(s) of the Sub-Account(s) you select and will increase or decrease as a result of fluctuations in the net investment factor above or below the yearly Assumed Investment Return of 4.75%, as described on page 10 16 of the Contract. The explicit charges assessed against the separate account are described on the Schedule. WAIVER OF SURRENDER CHARGES Surrender charges are waived if the Contract’s specified conditions are met.

Annuity Contract. The benefits available under this Contract, including the Contract Value, death benefit and the annuity income payments, when based on the investment experience of the separate account, are variable. They will increase or decrease based as a result of fluctuations in the net investment factor described on page 7 of the Contract. There is no minimum guaranteed value for amounts allocated to the separate account. Variable annuity income payments are determined by the Annuity Unit Value(s) of the Sub-Account(s) you select and will increase or decrease as a result of fluctuations in the net investment factor above or below the yearly Assumed Investment Return of 4.75%, as described on page 10 of the Contract. The explicit charges assessed against the separate account are described on the Schedule. WAIVER OF SURRENDER CHARGES Surrender charges are waived if the Contract’s specified conditions are met.