Common use of ANNUITY OPTION Clause in Contracts

ANNUITY OPTION. Option 2 -------------------------------------------------------------------------------- FIRST PURCHASE PAYMENT....................... $10,000 MINIMUM SUBSEQUENT PURCHASE PAYMENT.......... $500 ($50 under an automatic investment program) FREE WITHDRAWAL PERCENTAGE................... 10% GUARANTEED RATE.............................. 3% SEPARATE ACCOUNT............................. Variable Annuity Account XIV ADMINISTRATION CHARGE........................ 0.15% Annually ACCOUNT ADMINISTRATION CHARGE................ $30 Annually* WITHDRAWAL CHARGE Age of Purchase Payment in Years........... 1 2 3 4 5 6 7 8 Withdrawal Charge.......................... 7% 7% 6% 5% 4% 3% 2% 0% MORTALITY AND EXPENSE RISK CHARGE CONTRACT VALUE Less than $25,000........................ 0.85% Annually At least $25,000 but less than $100,000.. 0.70% Annually $100,000 or more......................... 0.60% Annually ("Minimum Charge") AFTER ANNUITY START DATE FOR OPTIONS 1-4, 7 & 8................... 1.25% Annually RIDER CHARGES - None Selected; or [Any Rider(s) selected by the Applicant will print on this Contract Data Page. Available Riders are listed on Exhibit "A."] MAXIMUM RIDER CHARGE......................... 1.00% Annually BASIS OF ANNUITY TABLES...................... 1983 (a) Mortality Table with mortality improvement under Projection Scale G ASSUMED INTEREST RATE........................ 3.5% annually SUBACCOUNTS:

ANNUITY OPTION. Option 2 -------------------------------------------------------------------------------- FIRST PURCHASE PAYMENT....................... $10,000 MINIMUM SUBSEQUENT PURCHASE PAYMENT.......... $500 ($50 under an automatic investment program) FREE WITHDRAWAL PERCENTAGE................... 10% GUARANTEED RATE.............................. 3% SEPARATE ACCOUNT............................. Variable Annuity Account XIV ADMINISTRATION CHARGE........................ 0.15% Annually ACCOUNT ADMINISTRATION CHARGE................ $30 Annually* WITHDRAWAL CHARGE Age of Purchase Payment in Years........... 1 2 3 4 5 6 7 8 Withdrawal Charge.......................... 7% 7% 6% 5% 4% 3% 2% 0% MORTALITY AND EXPENSE RISK CHARGE CONTRACT VALUE Less than $25,000........................ 0.85% Annually At least $25,000 but less than $100,000.. 0.70% Annually $100,000 or more......................... 0.60% Annually ("Minimum Charge") AFTER ANNUITY START DATE FOR OPTIONS 1-4, 7 & 8................... 1.25% Annually RIDER CHARGES - None Selected; or [Any Rider(s) selected by the Applicant will print on this Contract Data Page. Available Riders are listed on Exhibit "A.C."] MAXIMUM RIDER CHARGE......................... 1.00% Annually BASIS OF ANNUITY TABLES...................... 1983 (a) Mortality Table with mortality improvement under Projection Scale G ASSUMED INTEREST RATE........................ 3.5% annually SUBACCOUNTS:]

ANNUITY OPTION. Option 2 -------------------------------------------------------------------------------- FIRST PURCHASE PAYMENT....................... $10,000 MINIMUM SUBSEQUENT PURCHASE PAYMENT.......... $500 ($50 under an automatic investment program) FREE WITHDRAWAL PERCENTAGE................... 10% GUARANTEED RATE.............................. 3% SEPARATE ACCOUNT............................. Variable Annuity Account XIV ADMINISTRATION CHARGE........................ 0.15% Annually ACCOUNT ADMINISTRATION CHARGE................ $30 Annually* WITHDRAWAL CHARGE Age of Purchase Payment in Years........... 1 2 3 4 5 6 7 8 Withdrawal Charge.......................... 7% 7% 6% 5% 4% 3% 2% 0% MORTALITY AND EXPENSE RISK CHARGE CONTRACT VALUE Less than $25,000........................ 0.85% Annually At least $25,000 but less than $100,000.. 0.70% Annually $100,000 or more......................... 0.60% Annually ("Minimum Charge") AFTER ANNUITY START DATE FOR OPTIONS 1-4, 7 & 8................... 1.25% Annually RIDER CHARGES - None Selected; or [Any Rider(s) selected by the Applicant will print on this Contract Data Page. Available Riders are listed on Exhibit "A.C."] MAXIMUM RIDER CHARGE......................... 1.00% Annually BASIS OF ANNUITY TABLES...................... 1983 (a) Mortality Table with mortality improvement under Projection Scale G ASSUMED INTEREST RATE........................ 3.5% annually SUBACCOUNTS: See Exhibit "A" METHOD FOR DEDUCTING ACCOUNT CHARGE: *The Account Charge is deducted at each Contract Anniversary. A pro rata Account Charge is deducted:

ANNUITY OPTION. Option 2 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------- FIRST PURCHASE PAYMENT....................... ............................... $10,000 MINIMUM SUBSEQUENT PURCHASE PAYMENT.......... .................................... $500 ($50 under an automatic investment program) FREE WITHDRAWAL PERCENTAGE................... ........................... 10% GUARANTEED RATE.............................. ...................................... 3% SEPARATE ACCOUNT............................. ..................................... Variable Annuity Account XIV ADMINISTRATION CHARGE........................ ................................ 0.15% Annually ACCOUNT ADMINISTRATION CHARGE................ ........................ $30 Annually* WITHDRAWAL CHARGE Age of Purchase Payment in Years........... ................ 1 2 3 4 5 6 7 8 Withdrawal Charge.......................... ............................... 7% 7% 6% 5% 4% 3% 2% 0% MORTALITY AND EXPENSE RISK CHARGE CONTRACT VALUE Less than $25,000........................ ........................... 0.85% Annually At least $25,000 but less than $100,000.. ..... 0.70% Annually $100,000 or more......................... ............................ 0.60% Annually ("Minimum Charge") AFTER ANNUITY START DATE FOR OPTIONS 1-4, 7 & 8................... . 1.25% Annually RIDER CHARGES - None Selected; or [Any Rider(s) selected by the Applicant will print on this Contract Data Page. Available Riders are listed on Exhibit "A.C."] MAXIMUM RIDER CHARGE......................... 1.00% Annually BASIS OF ANNUITY TABLES...................... 1983 (a) Mortality Table with mortality improvement under Projection Scale G ASSUMED INTEREST RATE........................ 3.5% annually SUBACCOUNTS:]