Common use of ANNUITY OPTIONS Clause in Contracts

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part of the Contract Value may be applied to provide one of the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that if, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as selected, payments will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium tax.

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part of the Contract Value may be applied to provide one of the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, Date applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, payments will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the CertificateContract. Fixed monthly payments, payments will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate Contract provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, any will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that if, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as selected, payments will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate Contract provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable to the Payee for any specified period of time (three five (35) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, the Certificate Contract provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium tax.

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part of the Contract Value may be applied to provide one of the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, payments to the survivor will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, payments to the survivor will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that Company shall in certain circumstancesmost instances, calculate the discounted value of the remaining guaranteed annuity payments, if any, will be calculated payments and paid pay them in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that if, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as selected, payments will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium tax.event

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part of the GENERAL Benefits payable under this Contract Value may be applied to provide in accordance with one of the following Annuity Options described below. We may revise the availability of these options to comply with state laws and regulations or any with federal Code or Treasury regulations. DESCRIPTION OF ANNUITY OPTIONS Life Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly with Cash Refund: We will make payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after After the death of the Annuitant, we will pay the Beneficiary a lump sum amount equal to the excess, if any, of the Contract Value at the election of this option over the sum of the Annuity Payments made under this option. The annual amount of the annuity payments will equal the greater of (a) the Lifetime Income Amount, or (b) the annual amount determined by applying the Contract Value to a Cash Refund Annuity Option based on the Mortality Table and Fixed Annuity Payment Interest Rate listed in the Specifications. Joint Life Annuity with Cash Refund: This option is available if both Covered Persons remain under Contract and they are the Annuitant and there is no provision for a Death Benefit payable to the BeneficiaryCo-Annuitant at election of this option. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly If you elect this option, we will make payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivorCo-Annuitant. If a reduced payment to the survivor is desired, Variable Annuity payments, Payments will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing then continue during the remaining lifetime of the survivor, with the guarantee that if, at . After the death of the survivorsurviving Annuitant, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments we will be continued pay the Beneficiary a lump sum amount equal to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity paymentsexcess, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that if, Contract Value at the death election of this option over the sum of the Annuitant, annuity payments have been made for less than the 120 or 240 monthly periods, as selected, payments will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option. The annual amount of the annuity payments will equal the greater of (a) the Lifetime Income Amount, or (b) the annual amount determined by applying the Contract Value to a Joint Life Cash Refund Annuity Option based on the Mortality Table and Fixed Annuity Payment Interest Rate listed in the Specifications. ALTERNATE ANNUITY OPTIONS Instead of settlement in accordance with the Annuity Options described above, you may choose an alternate form of settlement acceptable to us. Once Annuity Payments commence, the Certificate provides that in certain circumstances, the discounted value form of the remaining payments, if any, will settlement may not be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium taxchanged.

ANNUITY OPTIONS. Upon written election filed LIFE ANNUITY - An Annuity payable during the lifetime of the Annuitant, ceasing with the Company at its Annuity Service Center, all or part of the Contract Value may be applied to provide one of the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately last payment due prior to the death of the Annuitant. LIFE ANNUITY WITH A CASH REFUND - An Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after At the death of the Annuitant and there is no provision for a Death Benefit payable Annuitant, any remaining value will be paid to the BeneficiaryBeneficiary in a single lump sum. OPTION 2 - JOINT AND SURVIVOR The remaining value equals the Contract Value applied on the Annuity Commencement Date, minus the dollar amount of Annuity payments already paid and Premium Taxes. LIFE ANNUITY Monthly payments WITH PAYMENTS FOR A PERIOD CERTAIN (5 years to 100 years minus Annuitant's age) - An Annuity payable to the Payee during the joint lifetime xxx x xxxed number of the Annuitant and a designated second person years and during the lifetime of the survivorAnnuitant. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that ifIf, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as period selected, the remaining payments will be made to the Beneficiary or the Beneficiary can elect to receive the present value of the remaining payments in a single lump sum. To calculate the same manner as provided under OPTION 3 abovepresent value We will use an interest rate We determine in Our discretion. In JOINT AND LAST SURVIVOR LIFE ANNUITY - An Annuity payable during the event of death joint lifetime of the Annuitant under and a Joint Annuitant, and thereafter during the remaining lifetime of the survivor Annuitant. At the time of electing this option, the Certificate provides that in certain circumstancesContract Owner may elect reduced payments over the remaining lifetime of the survivor Annuitant. Payments will cease with the last payment prior to the death of the survivor. JOINT AND LAST SURVIVOR LIFE ANNUITY WITH PAYMENTS FOR A PERIOD CERTAIN (5 years to 100 years-age) - An Annuity payable for a fixed number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this Annuity Option, the discounted Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If, at the death of the last surviving Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary, or the Beneficiary can elect to receive the present value of the remaining payments, if any, will be calculated and paid payments in one a single lump sum. OPTION 5 - FIXED To calculate the present value We will use an interest rate We determine in Our discretion. PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments (5 years to 100 years minus Annuitant's age) - An Annuity payable to the Payee for any specified a fixed number of years with period of time (three (3) 10 years or more, but not exceeding thirty (30) years), as electedgreater available at any time and periods of 5 to 10 years available on or after the second Contract Year. The election must Payments will be made for full twelve month periodsthe period and frequency selected. In If, at the event of death of the Payee under this optionAnnuitant, payments have been made for less than the period selected, the Certificate provides that in certain circumstances, remaining payments will be made to the discounted Beneficiary or the Beneficiary can elect to receive the present value of the remaining payments, if any, will be calculated and paid payments in one a single lump sum. BASIS OF COMPUTATION The actuarial basis for To calculate the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with present value We will use an interest at 3.5%rate We determine in Our discretion. The Table of Guaranteed Annuity Rates does not include any applicable premium tax.ANNUITY TABLES

ANNUITY OPTIONS. Upon The Owner, or any Beneficiary who is so entitled, may elect to receive a lump sum at the end of the accumulation period. However, a lump-sum distribution may be deemed to be a withdrawal, and at least a portion of it may be subject to income tax. Alternatively, an Annuity Option may be elected. The Owner may, upon prior written election filed with notice to the Company at its Annuity Service Center, elect an Annuity Option at any time prior to the Annuity Date. A change of Annuity Options is permitted if made at least 7 days before the Annuity Date. If no other Annuity Option is elected, monthly annuity payments will be made in accordance with Option 3 below, a Life annuity with 120-month period certain. Annuity payments will be made in monthly, quarterly, semi-annual or annual installments as selected by the Owner. However, if the amount available to apply under an Annuity Option is less than $5,000, and state law permits, the Company has the right to pay the annuity in one lump sum. In addition, if the first payment provided would be less than $50, and state law permits, the Company shall have the right to require the frequency of payments be at quarterly, semiannual or annual intervals so as to result in an initial payment of at least $50. NO WITHDRAWALS OF CONTRACT VALUE ARE PERMITTED DURING THE ANNUITY PERIOD FOR ANY ANNUITY OPTION UNDER WHICH PAYMENTS ARE BEING MADE PURSUANT TO LIFE CONTINGENCIES. Upon written election filed with The Company at its Annuity Service Center, all or part of the Contract Value may will be applied to provide one of the following options or any Annuity Option that is mutually agreeableOptions. The portion of the Contract Value which is in the Fixed Guaranteed Account immediately prior to the Annuity Date, applied to an annuity may Annuity Option, will be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further detailsapplicable Interest Rate Adjustments. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments INCOME An annuity payable to the Payee monthly during the lifetime of the Annuitant. No Under this option, no further payments are payable after the death of the Annuitant Annuitant, and there is no provision for a Death Benefit death benefit payable to the Beneficiary. Therefore, it is possible under Option 1 for the payee to receive only one monthly annuity payment under this Contract. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments An annuity payable to the Payee during the joint lifetime of monthly while both the Annuitant and a designated second person and are living. Upon the death of either person, the monthly income payable will continue during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, variable annuity payments will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificatecredited. Fixed monthly payments, payments will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime life of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly Annuity payments payable to the Payee during the joint lifetime of the Annuitant terminate automatically and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at immediately upon the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued surviving person without regard to the Beneficiary named on the Annuity Option Selection Formnumber or total amount of payments received. In the event There is no minimum number of death of guaranteed payments, and it is possible to have only one annuity payment if both the Annuitant and the designated second person under this option, die before the Certificate provides that in certain circumstances, the discounted value due date of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sumsecond payment. OPTION 4 3 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that if, at the death of the Annuitant, payments have been made for less fewer than the guaranteed 120 or 240 monthly periods, as selectedelected by the Owner, the balance of the guaranteed number of payments will be made in to the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sumBeneficiary. OPTION 5 4 - FIXED PAYMENTS INCOME FOR A SPECIFIED PERIOD CERTAIN Fixed Under this option, a payee can elect an annuity payable monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (from 5 to 30) years), as elected. The This election must be made for full twelve 12-month periods. In the event the payee dies before the specified number of death of the Payee under this optionpayments has been made, the Certificate provides that in certain circumstances, Beneficiary may elect to continue receiving the scheduled payments or may alternatively elect to receive the discounted present value of the any remaining payments, if any, will be calculated and paid guaranteed payments in one a lump sum. BASIS OF COMPUTATION The actuarial basis for ADDITIONAL OPTIONS. Other Annuity Options may be made available by the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium taxCompany.

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part The Participant may elect to have payments made under any of the Contract Value may be applied to provide one of the following options below or any Annuity Option that other option which is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity Payments may be subject to received on either a Market Value Adjustmentfixed or a variable basis, or both, except that payments under the Fifth Option must be made on a fixed basis. See ACCUMULATION PROVISIONS FIRST OPTION - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments An annuity payable to the Payee monthly during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, Annuitant's life. Payments shall cease with the guarantee that if, at last one due before the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection FormAnnuitant's death. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. SECOND OPTION 4 - LIFE ANNUITY WITH 120 60, 120, OR 240 180 MONTHLY PAYMENTS GUARANTEED - An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that ifAnnuitant's life. If, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as number of months selected, payments will be made in to a Beneficiary for the same manner as provided under OPTION 3 above. In the event of death rest of the Annuitant guaranteed period. THIRD OPTION - UNIT REFUND LIFE ANNUITY - An annuity payable monthly during the Annuitant's life. Payments cease with the last one due before the Annuitant's death. At the Annuitant's death the Beneficiary may receive an additional payment. The payment under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsa Fixed Annuity, if any, will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable is equal to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, the Certificate provides that in certain circumstances, the discounted Fixed Annuity value of the remaining Participant's Account at the Annuity Date which has not previously been paid out in the form of annuity payments. The payment under a Variable Annuity, if any, will be calculated and is equal to the then current value of any Annuity Units which have not been paid out in one sumthe form of annuity payments. BASIS OF COMPUTATION The actuarial basis for number of Annuity Units at the Table of Guaranteed Annuity Rates Date is the 1983a total value applied to this option divided by the Annuity Mortality Table, without projection Unit value used to calculate the first annuity payment. FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY - An annuity payable monthly during the joint lives of the Annuitant and a named second person and thereafter during the life of the survivor. FIFTH OPTION - PAYMENTS FOR A DESIGNATED PERIOD - An annuity payable monthly for a selected number of years between three and thirty. Any option chosen by the Participant must comply with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium taxtax laws and regulations.

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part of the Contract Value may be applied to provide one of the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to FIRST OPTION We will pay an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT income for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after , ceasing with the last payment due prior to the death of the Annuitant and there is no provision Annuitant. SECOND OPTION We will pay an income for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivorAnnuitant, with the guarantee that if, we will make payments for at least 10 or 20 years. You select either the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form10 or 20 year guarantee period. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that if, at the death of the Annuitant, If payments have been made for less than the 120 10 or 240 monthly periods20 year guarantee period at the Annuitant's death, as selectedwe will pay the balance of the guaranteed payments to the Beneficiary or Beneficiaries for the rest of the guaranteed period. If the guaranteed payments have been paid, the payments will be made in stop with the same manner as provided under last payment due before the Annuitant's death. THIRD OPTION 3 aboveJoint and Survivor Life Annuity - We will pay an income during the joint lifetime of two Annuitants. In After the event death of one of the Annuitants, we will continue the payments for the lifetime of the surviving Annuitant. The payments will stop with the last payment due before the death of the last surviving Annuitant. OTHER OPTIONS May be available with our consent. ANNUITY TABLES DESCRIPTION OF The attached tables show the minimum dollar amount of the first TABLES monthly payment for each $1,000 applied under the first, second and third annuity options. Under the first or second options, the amount of each payment will depend upon the adjusted age and sex of the Annuitant under this at the time the first payment is due. Under the third option, the Certificate provides that in certain circumstances, amount of each payment will depend upon the discounted value sex of both Annuitants and their adjusted ages at the time the first payment is due. The adjusted age of the remaining Annuitant is determined by calculating the age at the nearest birthday of the Annuitant on the annuity start date and subtracting a number that depends on the year in which the annuity start date belongs: Annuity Start Date Adjusted Age is Age Minus Before 2001 0 2001 to 2010 1 2011 to 2020 2 2021 to 2030 3 2031 to 2040 4 After 2040 5 Once the Owner has elected an annuity option, that election may not be changed with respect to any Annuitant following the commencement of annuity payments, if any, will be calculated and paid . MINIMUM PAYMENT The option elected must result in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable a payment that is at least equal to the Payee for minimum payment amount according to our rules then in effect. If at any specified period of time (three (3) years or moretime, but not exceeding thirty (30) years), as elected. The election must payments to be made for full twelve month periodsto any payee are or become less than the minimum payment amount, we have the right to change the frequency of payment to such interval as will result in a payment at least equal to the minimum. In If any amount due would be less than the event of death of minimum payment amount per year, we may make such other settlement as may be equitable to the Payee under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium taxpayee.

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part The Annuitant may elect to have payments made under any of the Contract Value may be applied to provide one of the following options Options below or any Annuity other Option that which is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity Payments may be subject to received on either a Market Value Adjustmentfixed or a variable basis, or both, except that payments under the Fifth Option must be made on a fixed basis. See ACCUMULATION PROVISIONS FIRST OPTION - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments An annuity payable to the Payee monthly during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, Annuitant's life. Payments shall cease with the guarantee that if, at last one due before the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection FormAnnuitant's death. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. SECOND OPTION 4 - LIFE ANNUITY WITH 120 60, 120, OR 240 180 MONTHLY PAYMENTS GUARANTEED - An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that ifAnnuitant's life. If, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as number of months selected, payments will be made in to a Beneficiary for the same manner as provided under OPTION 3 above. In the event of death rest of the Annuitant guaranteed period. THIRD OPTION - UNIT REFUND LIFE ANNUITY - An annuity payable monthly during the Annuitant's life. Payments cease with the last one due before the Annuitant's death. At the Annuitant's death the Beneficiary may receive an additional payment. The payment under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsa Fixed Annuity, if any, will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable is equal to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, the Certificate provides that in certain circumstances, the discounted Fixed Annuity value of the remaining Participant's Account at the Annuity Date which has not previously been paid out in the form of annuity payments. The payment under a Variable Annuity, if any, will be calculated and is equal to the then current value of any Annuity Units which have not been paid out in one sumthe form of annuity payments. BASIS OF COMPUTATION The actuarial basis for number of Annuity Units at the Table of Guaranteed Annuity Rates Date is the 1983a total value applied to this Option divided by the Annuity Mortality Table, without projection Unit value used to calculate the first annuity payment. FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY - An annuity payable monthly during the joint lives of the Annuitant and a named second person and thereafter during the life of the survivor. FIFTH OPTION - PAYMENTS FOR A DESIGNATED PERIOD - An annuity payable monthly for a selected number of years between three and thirty. Any Option chosen by the Annuitant must comply with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium taxtax laws and regulations.

ANNUITY OPTIONS. Upon written election filed Section 6.01 You may purchase an annuity option for any participant or beneficiary. The annuity option will be purchased using the rates in Article 10 or 11. 6.02 The following annuity options are available: . Life annuity/life annuity with fixed period - Annuity payouts will be made for the Company at its Annuity Service Center, all or part life of the Contract Value may be applied to provide one of the following options annuitant with no certain period, or any Annuity Option that is mutually agreeablewith a 10 years certain period, or with a 20 years certain period. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after Upon the death of the Annuitant and there is no provision for a Death Benefit payable annuitant, annuity payouts will continue to the Beneficiarybeneficiary for the remainder, if any, of the certain period. OPTION 2 . Joint life annuity/joint life annuity with fixed period - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during Annuity payouts will be made for the joint lifetime lives of the Annuitant annuitant and a designated second person and during the lifetime contingent annuitant of the survivorannuitant's choice with no certain period, or with 10 years certain period, or with a 20 years certain period. If a reduced payment to Xxxxxxx payouts continue for the life of the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to annuitant or contingent annuitant. Upon the Beneficiary named on the Annuity Option Selection Form. In the event of death of both annuitants, annuity payouts will continue to a beneficiary for the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity paymentsremainder, if any, of the certain period. . Unit refund life annuity - Annuity payouts will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to made for the Payee during the lifetime life of the Annuitant annuitant with the guarantee that if, at upon the death of the Annuitant, payments have been made for less than annuitant a payout to the 120 or 240 monthly periods, as selected, payments beneficiary will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsnumber of annuity units equal to the excess, if any, of (a) over (b) where (a) is the total amount applied under the option divided by the annuity unit value at the annuity commencement date and (b) is the product of the number of annuity units represented by each annuity payout and the number of annuity payouts paid before death. 6.03 At the time an annuity option is selected under the provisions of this contract, you may specify an annuity commencement date and elect, on behalf of the participant, to have the total account value applied to provide a variable annuity payout, a fixed annuity payout or a combination fixed and variable annuity payout. The amount of annuity payout will depend on the age and sex (except in cases where unisex rates are required) of the annuitant as of the annuity commencement date. A choice may be made to receive payouts once each month, four times each year, twice each year or once each year. The account value and annuity unit value used to effect annuity payouts will be calculated as of the annuity commencement date. For a 100% fixed annuity payout, the annuity commencement date must be at least 30 days before the first annuity payout date. For a combination fixed and paid in one sumvariable annuity payout or a 100% variable annuity payout, the annuity commencement date will be 14 days before the first annuity payout date. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed After the annuity commencement date, the annuity payout option can not be changed. 6.04 Article 10 of this contract illustrates the minimum annuity payout amounts and the age adjustments which will be used to determine the monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as electedannuity payouts under a fixed annuity payout option. The election must be made for full twelve month periods. In tables show the event of death dollar amount of the Payee under this optionguaranteed monthly annuity payout which can be purchased with each $1,000.00 of account value, after deduction of any applicable premium tax. Amounts shown use the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a [1983 'a' Individual Annuity Mortality Table, without projection modified, with an assumed interest at 3.5%. The Table rate of Guaranteed Annuity Rates does not include any applicable premium taxreturn of 3.00% per year and a 2.00% expense load].

ANNUITY OPTIONS. Upon written election filed Section 5.01 You may purchase an annuity option for any Participant or Beneficiary. The annuity option will be purchased using the rates in Article 8 or 9. 5.02 The following annuity options are available: . Life annuity/life annuity with fixed period - Annuity Payouts will be made for the Company at its Annuity Service Center, all or part life of the Contract Value may be applied to provide one of Annuitant with no certain period, or with a 10 years certain period, or with a 20 years certain period. Upon the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime death of the Annuitant, Annuity Payouts will continue to the Beneficiary for the remainder, if any, of the certain period. No further payments are payable after . Joint life annuity/joint life annuity with fixed period - Annuity Payouts will be made for the joint lives of the Annuitant and a Contingent Annuitant of the Annuitant's choice with no certain period, or with 10 years certain period, or with a 20 years certain period. Annuity Payouts continue for the life of the survivor at the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiaryor Contingent Annuitant. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at Upon the death of both Annuitants, Annuity Payouts will continue to a Beneficiary for the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity paymentsremainder, if any, of the certain period. . Unit refund life annuity - Annuity Payouts will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to made for the Payee during the lifetime life of the Annuitant with the guarantee that if, at upon the death of the Annuitant, payments have been made for less than Annuitant a payout to the 120 or 240 monthly periods, as selected, payments Beneficiary will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsnumber of Annuity Units equal to the excess, if any, of (a) over (b) where (a) is the total amount applied under the option divided by the Annuity Unit value at the Annuity Commencement Date and (b) is the product of the number of Annuity Units represented by each Xxxxxxx Xxxxxx and the number of Annuity Payouts paid before death. . Other options may be available as agreed upon in writing by us. 5.03 At the time an annuity option is selected under the provisions of this Contract, you may specify an Annuity Commencement Date and elect, on behalf of the Participant, to have the total Account Value applied to provide a variable Annuity Payout, a fixed Annuity Payout or a combination fixed and variable Annuity Payout. The amount of Annuity Payout will depend on the age and sex (except in cases where unisex rates are required) of the Annuitant as of the Annuity Commencement Date. A choice may be made to receive payouts once each month, four times each year, twice each year or once each year. The portion of Account Value and Annuity Unit value used to effect Annuity Payouts will be calculated as of the Annuity Commencement Date. For a 100% fixed Annuity Payout, the Annuity Commencement Date must be at least 30 days before the first Annuity Payout date. For a combination fixed and paid in one sumvariable Annuity Payout or a 100% variable Annuity Payout, the Annuity Commencement Date will be 14 days before the first Annuity Payout date. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed After the Annuity Commencement Date, the Annuity Payout option can not be changed. 5.04 Article 8 of this Contract illustrates the minimum Annuity Payout amounts and the age adjustments which will be used to determine the monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as electedAnnuity Payouts under a fixed Annuity Payout option. The election must be made for full twelve month periods. In tables show the event of death dollar amount of the Payee under this optionguaranteed monthly Annuity Payout which can be purchased with each $1,000.00 of Account Value, after deduction of any applicable premium tax. Amounts shown use the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a [1983 'a' Individual Annuity Mortality Table, without projection modified, with an assumed interest at 3.5%rate of return of 3.00% per year and a 2.00% expense load]. 5.05 Article 9 of this Contract illustrates the minimum Annuity Payout amounts and the age adjustments which will be used to determine the first monthly Annuity Payout under a variable Annuity Payout option. The Table tables show the dollar amount of Guaranteed the first monthly Annuity Rates does not include Payout which can be purchased with each $1,000.00 of Account Value, after deduction of any applicable premium taxtaxes. Amounts shown use the [1983 'a' Individual Annuity Mortality Table, modified, with an assumed interest rate of return of 5.00% per year and a 2.50% expense load]. 5.06 To determine the amount of the variable Annuity Payouts after the first payout, the first variable Annuity Payout is subdivided into components each of which represents the product of* (a) the percentage elected by you on behalf of the Participant of a specific Subaccount, the performance of which will determine future variable Annuity Payouts, and (b) the entire first variable Annuity Payout. Each variable Annuity Payout after the first payout attributable to a specific Subaccount will be determined by multiplying the Annuity Unit value for that Subaccount for the date each payout is due by a constant number of Annuity Units. The number of Annuity Units for each specific Subaccount is determined by dividing the component of the first payout attributable to that Subaccount as described previously by the Annuity Unit value for that Subaccount on the Annuity Commencement Date. The total variable Annuity Payout will be the sum of the payouts attributable to each Subaccount. 5.07 The Annuity Unit value for any Valuation Period for any Subaccount is determined by multiplying the Annuity Unit value for the immediately preceding Valuation Period by the product of (a) 0.999866337 raised to a power equal to the number of days in the current Valuation Period and (b) the net investment factor of the Subaccount for the Valuation Period for which the Annuity Unit value is being determined. 5.08 The valuation of all assets in the Subaccount will be determined in accordance with the provisions of applicable laws, rules and regulations. The method of determination by us of the value of an Accumulation Unit and of an Annuity Unit will be conclusive upon the Participant and any recipient of a death benefit, if any. 5.09 We guarantee that the dollar amount of each installment after the first will not be affected by variations in mortality experience from mortality assumptions on which the first installment is based. 5.10 After the Annuity Commencement Date, if any portion of the Annuity Payout is a variable Annuity Payout, the Participant may direct a transfer of assets from one Subaccount to another Subaccount or to a fixed Annuity Payout. These transfers will be limited to 3 times per Contract Year. A fixed Annuity Payout may not be changed to a variable Annuity Payout. A transfer from one Subaccount to another Subaccount will result in the purchase of Annuity Units in one Subaccount, and the redemption of Annuity Units in the other Subaccount. Such a transfer will be effected at Annuity Unit values calculated at the end of the Valuation Period during which the transfer request is received at our Home Office. The valuation of Annuity Units is described in Section 3.08. A transfer from one Subaccount to a fixed Annuity Payout will result in the redemption of Annuity Units in one Subaccount and the purchase of a fixed Annuity Payout. 5.11 If the annuity option chosen results in Annuity Payouts of less than $50.00 per month, the frequency will be changed so that Annuity Payouts will be at least $50.00. 5.12 A certificate will be issued to the Annuitant showing the amount and terms of the purchased annuity. 5.13 No annuity option may be assigned or attached, except, if applicable, those benefits assigned or attached by a Qualified Domestic Relations Order under Section 414(p) of the Code, or pursuant to a Federal Tax Levy under Section 6331 of the Code. 5.14 If we receive proof that a person receiving Annuity Payouts under this Contract is legally or mentally incompetent, the Annuity Payouts may be made to any person deemed a legal representative by a court of competent jurisdiction. 5.15 We will require satisfactory proof of each Annuitant's age. If it is later proven to us that the Annuitant's age has been misstated, the Annuity Payouts will be adjusted. Any underpayouts already made by us will be made up immediately and any overpayouts already made by us will be charged against the Annuity Payouts falling due after the adjustment. 5.16 The Annuitant may name the Beneficiary or Contingent Annuitant for any purchased annuity option. The Annuitant may change the Beneficiary at any time without the consent of the previous Beneficiary unless the previous designation provides otherwise. However, if the Annuitant is married, the Annuitant's spouse must agree in writing to another person being named Beneficiary or Contingent Annuitant. The change is effective when written notice is received by us. The annuity option or the Contingent Annuitant may not be changed. The Beneficiary or the Contingent Annuitant does not have the right to name the Beneficiary. 5.17 If the Annuitant dies and there is no named Beneficiary living at the time of the Annuitant's death, the Annuitant's estate will be paid any remaining guaranteed Annuity Payouts, under a period certain annuity option, in one lump sum. If the named Beneficiary is receiving guaranteed Annuity Payouts and dies, the remaining Annuity Payouts will be paid in one lump sum to the contingent Beneficiary if living at the time of the Beneficiary's death. Payment will otherwise be made to the Beneficiary's estate. Lump sum Annuity Payouts will equal the discounted guaranteed payouts at the interest rate then being credited under Section 3.04, compounded annually. 5.18 We may, at any time, require proof that any payee under this Contract is living when payout is contingent upon survival of that payee.

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part The Participant may elect to have payments made under any of the Contract Value may be applied to provide one of the following options Options below or any Annuity Option that other option which is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity Payments may be subject to received on either a Market Value Adjustmentfixed or a variable basis, or both, except that payments under the Fifth Option must be made on a fixed basis. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. FIRST OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR -- LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED -- An annuity payable monthly to the Payee during the lifetime of the Annuitant Annuitant's life. Payments shall cease with the guarantee that iflast one due before the Annuitant's death. SECOND OPTION -- LIFE ANNUITY WITH 60, 120, OR 180 MONTHLY PAYMENTS GUARANTEED -- An annuity payable monthly during the Annuitant's life. If, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as number of months selected, payments will be made in to a Beneficiary for the same manner as provided under OPTION 3 above. In the event of death rest of the Annuitant guaranteed period. THIRD OPTION -- UNIT REFUND LIFE ANNUITY -- An annuity payable monthly during the Annuitant's life. Payments cease with the last one due before the Annuitant's death. At the Annuitant's death the Beneficiary may receive an additional payment. The payment under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsa Fixed Annuity, if any, will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable is equal to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, the Certificate provides that in certain circumstances, the discounted Fixed Annuity value of the remaining Participant's Account at the Annuity Date which has not previously been paid out in the form of annuity payments. The payment under a Variable Annuity, if any, will be calculated and is equal to the then current value of any Annuity Units which have not been paid out in one sumthe form of annuity payments. BASIS OF COMPUTATION The actuarial basis for number of Annuity Units at the Table of Guaranteed Annuity Rates Date is the 1983a total value applied to this Option divided by the Annuity Mortality Table, without projection Unit value used to calculate the first annuity payment. FOURTH OPTION -- JOINT AND LAST SURVIVOR ANNUITY -- An annuity payable monthly during the joint lives of the Annuitant and a named second person and thereafter during the life of the survivor. FIFTH OPTION -- PAYMENTS FOR A DESIGNATED PERIOD -- An annuity payable monthly for a selected number of years between three and thirty. Any Option chosen by the Participant must comply with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium taxtax laws and regulations.

ANNUITY OPTIONS. Upon written election filed FIRST OPTION - Life Annuity - An Annuity payable during the lifetime of the Annuitant, ceasing with the Company at its Annuity Service Center, all or part of the Contract Value may be applied to provide one of the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately last payment due prior to the death of the Annuitant. SECOND OPTION - Life Annuity Date, applied to an annuity may be subject to with a Market Value Adjustment. See ACCUMULATION PROVISIONS Cash Refund - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments An Annuity payable to the Payee during the lifetime of the Annuitant. No further payments are payable after At the death of the Annuitant and there is no provision for a Death Benefit payable Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value applied on the Annuity Commencement Date, minus the dollar amount of Annuity payments already paid and Premium Taxes. THIRD OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments Life Annuity with Payments for a Period Certain (5 years to 100 years minus Annuitant's age) - An Annuity payable to the Payee during the joint lifetime for a fixed number of the Annuitant and a designated second person years and during the lifetime of the survivorAnnuitant. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that ifIf, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as period selected, the remaining payments will be made to the Beneficiary or the Beneficiary can elect to receive the present value of the remaining payments in one sum. To calculate the present value We will use an interest rate We determine in Our discretion. FOURTH OPTION - Joint and Last Survivor Life Annuity - An Annuity payable during the joint lifetime of the Annuitant and a Joint Annuitant, and thereafter during the remaining lifetime of the survivor Annuitant. At the time of electing this option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor Annuitant. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain (5 years to 100 years-age) - An Annuity payable for a fixed number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this Annuity Option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If, at the death of the last surviving Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary, or the Beneficiary can elect to receive the present value of the remaining payments in one sum. To calculate the present value We will use an interest rate We determine in Our discretion. SIXTH OPTION - Payments for a Period Certain (5 years to 100 years minus Annuitant's age) - An Annuity payable xxx x xxxed number of years with period of 10 years or greater available at any time and periods of 5 to 10 years available on or after the second Contract Year. Payments will be made for the period and frequency selected. If, at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary or the Beneficiary can elect to receive the present value of the remaining payments in one sum. To calculate the present value We will use an interest rate We determine in Our discretion. SEVENTH OPTION - Annuity Proceeds Annuity Option - Amounts otherwise payable as a Death Benefit left in the Contract for a period not to exceed five years from the date of any Contract Owner or Annuitant's death prior to the Annuity Commencement Date. The amounts otherwise payable as a Death Benefit will remain in the same manner Guarantee Period and continue to earn the same interest rate as provided under OPTION 3 aboveat the time of death. If the Guarantee Period ends before the end of the five year period, the Beneficiary may elect a new Guarantee Period with a duration closest to, but not to exceed the time remaining in the period of five years from the date of the Contract Owner's or Annuitant's death. Full or partial surrenders may be made at any time. In the event of death of the Annuitant under this optionany surrender, the Certificate provides that in certain circumstancesremaining value will equal the Death Benefit left with Us, the discounted value of the remaining paymentsminus any Gross Surrender Values, if any, will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable to the Payee for plus any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium taxearned.

ANNUITY OPTIONS. Upon written election filed Section 6.01 You may purchase an annuity option for any Participant or Beneficiary. The annuity option will be purchased using the rates in Article 10 or 11. 6.02 The following annuity options are available: * Life annuity/life annuity with fixed period - Annuity Payouts will be made for the Company at its Annuity Service Center, all or part life of the Contract Value may be applied to provide one of Annuitant with no certain period, or with a 10 years certain period, or with a 20 years certain period. Upon the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime death of the Annuitant, Annuity Payouts will continue to the Beneficiary for the remainder, if any, of the certain period. No further payments are payable after * Joint life annuity/joint life annuity with fixed period - Annuity Payouts will be made for the joint lives of the Annuitant and a Contingent Annuitant of the Annuitant's choice with no certain period, or with 10 years certain period, or with a 20 years certain period. Annuity Payouts continue for the life of the survivor at the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiaryor Contingent Annuitant. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at Upon the death of both Annuitants, Annuity Payouts will continue to a Beneficiary for the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity paymentsremainder, if any, of the certain period. * Unit refund life annuity - Annuity Payouts will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to made for the Payee during the lifetime life of the Annuitant with the guarantee that if, at upon the death of the Annuitant, payments have been made for less than Annuitant a payout to the 120 or 240 monthly periods, as selected, payments Beneficiary will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsnumber of Annuity Units equal to the excess, if any, of (a) over (b) where (a) is the total amount applied under the option divided by the Annuity Unit value at the Annuity Commencement Date and (b) is the product of the number of Annuity Units represented by each Xxxxxxx Xxxxxx and the number of Annuity Payouts paid before death. * Other options may be available as agreed upon in writing by us. 6.03 At the time an annuity option is selected under the provisions of this Contract, you may specify an Annuity Commencement Date and elect, on behalf of the Participant, to have the total Account Value applied to provide a variable Annuity Payout, a fixed Annuity Payout or a combination fixed and variable Annuity Payout. The amount of Annuity Payout will depend on the age and sex (except in cases where unisex rates are required) of the Annuitant as of the Annuity Commencement Date. A choice may be made to receive payouts once each month, four times each year, twice each year or once each year. The Account Value and Annuity Unit value used to effect Annuity Payouts will be calculated as of the Annuity Commencement Date on the monthly, quarterly, semi-annual or annual anniversary of the Annuity Commencement Date. For a 100% fixed Annuity Payout, the Annuity Commencement Date must be at least 30 days before the first Annuity Payout date. For a combination fixed and paid in one sumvariable Annuity Payout or a 100% variable Annuity Payout, the Annuity Commencement Date will be 14 days before the first Annuity Payout date. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed After the Annuity Commencement Date, the Annuity Payout option can not be changed. 6.04 Article 10 of this Contract illustrates the minimum Annuity Payout amounts and the age adjustments which will be used to determine the monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as electedAnnuity Payouts under a fixed Annuity Payout option. The election must be made for full twelve month periods. In tables show the event of death dollar amount of the Payee under this optionguaranteed monthly Annuity Payout which can be purchased with each $1,000.00 of Account Value, after deduction of any applicable premium tax. Amounts shown use the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a 1983 'a' Individual Annuity Mortality Table, without projection modified, with an assumed interest at 3.5%rate of return of 3.00% per year and a 2.00% expense load. 6.05 Article 11 of this Contract illustrates the minimum Annuity Payout amounts and the age adjustments which will be used to determine the first monthly Annuity Payout under a variable Annuity Payout option. The Table tables show the dollar amount of Guaranteed the first monthly Annuity Rates does not include Payout which can be purchased with each $1,000.00 of Account Value, after deduction of any applicable premium taxtaxes. Amounts shown use the 1983 'a' Individual Annuity Mortality Table, modified, with an assumed interest rate of return of 5.00% per year and a 2.50% expense load. 6.06 To determine the amount of the variable Annuity Payouts after the first payout, the first variable Annuity Payout is subdivided into components each of which represents the product of: (a) the percentage elected by you on behalf of the Participant of a specific Subaccount, the performance of which will determine future variable Annuity Payouts, and (b) the entire first variable Annuity Payout. Each variable Annuity Payout after the first payout attributable to a specific Subaccount will be determined by multiplying the Annuity Unit value for that Subaccount on the monthly, quarterly, semi-annual or annual anniversary of the Annuity Commencement Date by the number of Annuity Units attributable to that Subaccount. The number of Annuity Units for each specific Subaccount is determined by dividing the component of the first payout attributable to that Subaccount as described previously by the Annuity Unit value for that Subaccount on the Annuity Commencement Date. The total variable Annuity Payout will be the sum of the payouts attributable to each Subaccount. 6.07 The Annuity Unit value for any Valuation Period for any Subaccount is determined by multiplying the Annuity Unit value for the immediately preceding Valuation Period by the product of (a) 0.999866337 raised to a power equal to the number of days in the current Valuation Period and (b) is the Accumulation Unit value of the same Subaccount for this Valuation Period divided by the Accumulation Unit value of the same Subaccount for the immediately preceding Valuation Period. 6.08 The valuation of all assets in the Subaccount will be determined in accordance with the provisions of applicable laws, rules and regulations. The method of determination by us of the value of an Accumulation Unit and of an Annuity Unit will be conclusive upon the Participant and any recipient of a death benefit, if any. 6.09 We guarantee that the dollar amount of each installment after the first will not be affected by variations in mortality experience from mortality assumptions on which the first installment is based. 6.10 After the Annuity Commencement Date, if any portion of the Annuity Payout is a variable Annuity Payout, the Participant may direct a transfer of assets from one Subaccount to another Subaccount or to a fixed Annuity Payout. These transfers will be limited to 3 times per Contract Year. A fixed Annuity Payout may not be changed to a variable Annuity Payout. A transfer from one Subaccount to another Subaccount will result in the purchase of Annuity Units in one Subaccount, and the redemption of Annuity Units in the other Subaccount. Such a transfer will be effected at Annuity Unit values calculated at the end of the Valuation Period during which the transfer request is received at our Home Office. The valuation of Annuity Units is described in Section 3.09. A transfer from one Subaccount to a fixed Annuity Payout will result in the redemption of Annuity Units in one Subaccount and the purchase of a fixed Annuity Payout. 6.11 If the annuity option chosen results in Annuity Payouts of less than $50.00 per month, the frequency will be changed so that Annuity Payouts will be at least $50.00. 6.12 A certificate will be issued to the Annuitant showing the amount and terms of the purchased annuity. 6.13 No annuity option may be assigned or attached, except, if applicable, those benefits assigned or attached by a Qualified Domestic Relations Order under Section 414(p) of the Code, or pursuant to a Federal Tax Levy under Section 6331 of the Code. 6.14 If we receive proof that a person receiving Annuity Payouts under this Contract is legally or mentally incompetent, the Annuity Payouts may be made to any person deemed a legal representative by a court of competent jurisdiction. 6.15 We will require satisfactory proof of each Annuitant's age. If it is later proven to us that the Annuitant's age has been misstated, the Annuity Payouts will be adjusted. Any underpayouts already made by us will be made up immediately and any overpayouts already made by us will be charged against the Annuity Payouts falling due after the adjustment. 6.16 The Annuitant may name the Beneficiary or Contingent Annuitant for any purchased annuity option. The Annuitant may change the Beneficiary at any time without the consent of the previous Beneficiary unless the previous designation provides otherwise. However, if the Annuitant is married, the Annuitant's spouse must agree in writing to another person being named Beneficiary or Contingent Annuitant. The change is effective when written notice is received by us. The annuity option or the Contingent Annuitant may not be changed. The Beneficiary or the Contingent Annuitant does not have the right to name the Beneficiary. 6.17 If the Annuitant dies and there is no named Beneficiary living at the time of the Annuitant's death, the Annuitant's estate will be paid any remaining guaranteed Annuity Payouts, under a period certain annuity option, in one lump sum. If the named Beneficiary is receiving guaranteed Annuity Payouts and dies, the remaining Annuity Payouts will be paid in one lump sum to the contingent Beneficiary if living at the time of the Beneficiary's death. Payment will otherwise be made to the Beneficiary's estate. Lump sum Annuity Payouts will equal the discounted guaranteed payouts at the interest rate then being credited under Section 3.05, compounded annually. 6.18 We may, at any time, require proof that any payee under this Contract is living when payout is contingent upon survival of that payee.

ANNUITY OPTIONS. Upon written election filed Section 5.01 You may purchase an annuity option for any participant or beneficiary. The annuity option will be purchased using the rates in Article 8 or 9. 5.02 The following annuity options are available: . Life annuity/life annuity with fixed period - Annuity payouts will be made for the Company at its Annuity Service Center, all or part life of the Contract Value may be applied to provide one of the following options annuitant with no certain period, or any Annuity Option that is mutually agreeablewith a 10 years certain period, or with a 20 years certain period. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime of the Annuitant. No further payments are payable after Upon the death of the Annuitant and there is no provision for a Death Benefit payable annuitant, annuity payouts will continue to the Beneficiarybeneficiary for the remainder, if any, of the certain period. OPTION 2 . Joint life annuity/joint life annuity with fixed period - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during Annuity payouts will be made for the joint lifetime lives of the Annuitant annuitant and a designated second person and during the lifetime contingent annuitant of the survivorannuitant's choice with no certain period, or with 10 years certain period, or with a 20 years certain period. If a reduced payment to Xxxxxxx payouts continue for the life of the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to annuitant or contingent annuitant. Upon the Beneficiary named on the Annuity Option Selection Form. In the event of death of both annuitants, annuity payouts will continue to a beneficiary for the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity paymentsremainder, if any, of the certain period. . Unit refund life annuity - Annuity payouts will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to made for the Payee during the lifetime life of the Annuitant annuitant with the guarantee that if, at upon the death of the Annuitant, payments have been made for less than annuitant a payout to the 120 or 240 monthly periods, as selected, payments beneficiary will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsnumber of annuity units equal to the excess, if any, of (a) over (b) where (a) is the total amount applied under the option divided by the annuity unit value at the annuity commencement date and (b) is the product of the number of annuity units represented by each annuity payout and the number of annuity payouts paid before death. . Other options may be available as agreed upon in writing by us. 5.03 At the time an annuity option is selected under the provisions of this contract, you may specify an annuity commencement date and elect, on behalf of the participant, to have the total account value applied to provide a variable annuity payout, a fixed annuity payout or a combination fixed and variable annuity payout. The amount of annuity payout will depend on the age and sex (except in cases where unisex rates are required) of the annuitant as of the annuity commencement date. A choice may be made to receive payouts once each month, four times each year, twice each year or once each year. The portion of account value and annuity unit value used to effect annuity payouts will be calculated as of the annuity commencement date. For a 100% fixed annuity payout, the annuity commencement date must be at least 30 days before the first annuity payout date. For a combination fixed and paid in one sumvariable annuity payout or a 100% variable annuity payout, the annuity commencement date will be 14 days before the first annuity payout date. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed After the annuity commencement date, the annuity payout option can not be changed. 5.04 Article 8 of this contract illustrates the minimum annuity payout amounts and the age adjustments which will be used to determine the monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as electedannuity payouts under a fixed annuity payout option. The election must be made for full twelve month periods. In tables show the event of death dollar amount of the Payee under this optionguaranteed monthly annuity payout which can be purchased with each $1,000.00 of account value, after deduction of any applicable premium tax. Amounts shown use the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a [1983 'a' Individual Annuity Mortality Table, without projection modified, with an assumed interest at 3.5%. The Table rate of Guaranteed Annuity Rates does not include any applicable premium taxreturn of 3.00% per year and a 2.00% expense load].

ANNUITY OPTIONS. Upon written election filed Section 6.01 You may purchase an annuity option for any Participant or Beneficiary. The annuity option will be purchased using the rates in Article 10 or 11. 6.02 The following annuity options are available: . Life annuity/life annuity with fixed period - Annuity Payouts will be made for the Company at its Annuity Service Center, all or part life of the Contract Value may be applied to provide one of Annuitant with no certain period, or with a 10 years certain period, or with a 20 years certain period. Upon the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the lifetime death of the Annuitant, Annuity Payouts will continue to the Beneficiary for the remainder, if any, of the certain period. No further payments are payable after . Joint life annuity/joint life annuity with fixed period - Annuity Payouts will be made for the joint lives of the Annuitant and a Contingent Annuitant of the Annuitant's choice with no certain period, or with 10 years certain period, or with a 20 years certain period. Annuity Payouts continue for the life of the survivor at the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiaryor Contingent Annuitant. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime of the Annuitant and a designated second person and during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at Upon the death of both Annuitants, Annuity Payouts will continue to a Beneficiary for the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity paymentsremainder, if any, of the certain period. . Unit refund life annuity - Annuity Payouts will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to made for the Payee during the lifetime life of the Annuitant with the guarantee that if, at upon the death of the Annuitant, payments have been made for less than Annuitant a payout to the 120 or 240 monthly periods, as selected, payments Beneficiary will be made in the same manner as provided under OPTION 3 above. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsnumber of Annuity Units equal to the excess, if any, of (a) over (b) where (a) is the total amount applied under the option divided by the Annuity Unit value at the Annuity Commencement Date and (b) is the product of the number of Annuity Units represented by each Annuity Payout and the number of Annuity Payouts paid before death. . Other options may be available as agreed upon in writing by us. 6.03 At the time an annuity option is selected under the provisions of this Contract, you may specify an Annuity Commencement Date and elect, on behalf of the Participant, to have the total Account Value applied to provide a variable Annuity Payout, a fixed Annuity Payout or a combination fixed and variable Annuity Payout. The amount of Annuity Payout will depend on the age and sex (except in cases where unisex rates are required) of the Annuitant as of the Annuity Commencement Date. A choice may be made to receive payouts once each month, four times each year, twice each year or once each year. The Account Value and Annuity Unit value used to effect Annuity Payouts will be calculated as of the Annuity Commencement Date. For a 100% fixed Annuity Payout, the Annuity Commencement Date must be at least 30 days before the first Annuity Payout date. For a combination fixed and paid in one sumvariable Annuity Payout or a 100% variable Annuity Payout, the Annuity Commencement Date will be 14 days before the first Annuity Payout date. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed After the Annuity Commencement Date, the Annuity Payout option can not be changed. 6.04 Article 10 of this Contract illustrates the minimum Annuity Payout amounts and the age adjustments which will be used to determine the monthly payments payable to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as electedAnnuity Payouts under a fixed Annuity Payout option. The election must be made for full twelve month periods. In tables show the event of death dollar amount of the Payee under this optionguaranteed monthly Annuity Payout which can be purchased with each $1,000.00 of Account Value, after deduction of any applicable premium tax. Amounts shown use the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a [1983 'a' Individual Annuity Mortality Table, without projection modified, with an assumed interest at 3.5%. The Table rate of Guaranteed Annuity Rates does not include any applicable premium taxreturn of 3.00% per year and a 2.00% expense load].

ANNUITY OPTIONS. Upon written election filed with the Company at its The Contract Owner may choose periodic fixed and/or variable Annuity Service Center, all or part Payments under any of the Contract Value Annuity Options described below. The Company may consent to other plans of payment in addition to those described. The following Annuity Options are available: Annuity Option A – Life Income Periodic payments will be made as long as the Annuitant lives. Annuity Option B – Life Income with Period Certain Periodic payments will be made for a guaranteed period, or as long as the Annuitant lives, whichever is longer. The guaranteed period may be applied five (5), ten (10) or twenty (20) years. If the Beneficiary does not desire payments to provide one continue for the remainder of the following options or any guaranteed period, he/she may elect to have the present value of the guaranteed annuity payments remaining commuted and paid in a lump sum. Annuity Option that is mutually agreeable. The portion C – Joint and Last Survivor Annuity Periodic payments will be made during the joint lifetime of the Contract Value which is two Annuitants continuing in the Fixed Account immediately prior to the Annuity Date, applied to an annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee same amount during the lifetime of the surviving Annuitant. No further Annuity Option D – Joint and 2/3 Survivor Annuity Periodic payments are payable after the death of the Annuitant and there is no provision for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee will be made during the joint lifetime of the Annuitant and a designated second person and two Annuitants. Payments will continue during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, surviving Annuitant and will be determined using either one-half or computed on the basis of two-–thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half annuity payment (or two-thirds of the fixed monthly payment payable Units) in effect during the joint lifetime of the Annuitant and the designated second personlifetime. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that if, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as selected, E – Period Xxxxxxx Xxxxxxx Periodic payments will be made in the same manner as provided under OPTION 3 abovefor a specified period. In the event of death of the Annuitant under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable to the Payee for any The specified period of time must be at least five (three (35) years or more, but and cannot exceeding be more than thirty (30) years), as elected. The election must be made If the Contract Owner does not desire payments to continue for full twelve month periods. In the event of death remainder of the Payee under this optionguaranteed period, he/she may elect to have the Certificate provides that in certain circumstances, the discounted present value of the remaining payments commuted and paid in a lump sum or as an Annuity Option purchased at the date of such election. TMLS 22 09/01 FIXED ANNUITY RATES Note 1: If the single premium immediate annuity rates offered by the Company and designated by the Company for this purpose on the Annuity Date are more favorable than the minimum guaranteed rates used to develop Tables 1, 2, 3 or 4, those rates will be used. Note 2: The 1983 Table “a” mortality table, projected to the year 2015 with Projection Scale G, applies to all Annuity Options which include life contingent payments. Where applicable, if anyunisex mortality rates and projection factors are based on a 40%/60% male/female weighting. Note 3: The Annuity Option rates shown in Tables 1, 2, 3, and 4 are based on an effective annual interest rate of 3%. Note 4: Rates will be determined based on the age(s) of any Annuitant(s) on his/her birthday nearest the Annuity Date. The following tables show Annuity Option rates based on age nearest birthday. Note 5: The purchase rate for any age or combination of ages not shown in the tables below will be calculated on the same basis as the payments for those shown and paid may be obtained by Written Request. TMLS 23 09/01 FIXED ANNUITY RATES TABLE 1 - OPTIONS A & B MONTHLY PAYMENT PER $1,000 TMLS 24 09/01 TMLS 25 09/01 TMLS 26 09/01 TMLS 27 09/01 VARIABLE ANNUITY RATES Table 5 - Annuity Options A and B Note 1: The 1983 Table “a” mortality table, projected to the year 2015 with Projection Scale G, applies to all Annuity Options which include life contingent payments. Where applicable, unisex mortality rates and projection factors are based on a 40%/60% male/female weighting. Note 2: The Annuity Option rates shown in one sum. BASIS OF COMPUTATION The actuarial basis for the Table Tables 5, 6, 7 and 8 are based on an assumed effective annual interest rate of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.54%. Note 3: Rates will be determined based on the age(s) of any Annuitant(s) on his/her birthday nearest the Annuity Date. The Table following tables show Annuity Option rates based on age nearest birthday. Note 4: The purchase rate for any age or combination of Guaranteed Annuity Rates does ages not include any applicable premium tax.shown in the tables below will be calculated on the same basis as the payments for those shown and may be obtained by Written Request. TMLS 28 09/01 VARIABLE ANNUITY RATES TABLE 5 - OPTIONS A & B MONTHLY PAYMENT PER $1,000 TMLS 29 09/01 TMLS 30 09/01 TMLS 31 09/01 TMLS 32 09/01

ANNUITY OPTIONS. Upon written election filed with the Company at its FIRST OPTION - Life Annuity Service Center, all or part of the Contract Value may be applied to provide one of the following options or any Annuity Option that is mutually agreeable. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an - An annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee monthly during the lifetime of the Annuitant. No further payments are payable after , ceasing with the last payment due prior to the death of the Annuitant. SECOND OPTION - Life Annuity with 120, 180 or 240 Monthly Payments Certain - An annuity providing monthly income to the Annuitant and there is no provision for a Death Benefit payable to the Beneficiary. OPTION 2 - JOINT AND SURVIVOR LIFE ANNUITY Monthly payments payable to the Payee during the joint lifetime fixed period of 120 months, 180 months, or 240 months (as selected), and for as long thereafter as the Annuitant and a designated second person and during the lifetime of the survivorshall live. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivor, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the guarantee that if, at the death of the Annuitant, payments have been made for less than the 120 or 240 minimum elected number of months, then any remaining guaranteed monthly periods, as selected, payments will be paid to the Beneficiary unless other provisions have been made in and approved by the same manner as provided under Company. THIRD OPTION 3 above. In - Unit Refund Life Annuity - An annuity payable monthly during the event lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant under this optionAnnuitant, provided that, at the death of the Annuitant, the Certificate provides that in certain circumstances, beneficiary will receive an additional payment of the discounted then dollar value of the remaining paymentsnumber of Annuity Units equal to the excess, if any, will be calculated of (a) over (b) where (a) is the total amount applied under the option divided by the Annuity Unit value at the effective date of annuity payments and paid in one sum(b) is the number of Annuity Units represented by each payment multiplied by the number of payments made. HL-15420 SPECIMEN FOURTH OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed Joint and Last Survivor Life Annuity - An annuity payable monthly payments payable during the joint lifetime of the Annuitant and a secondary Annuitant, and thereafter during the remaining lifetime of the survivor, ceasing with the last payment prior to the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In the event of death of the Payee under this option, survivor. FIFTH OPTION- Payments for a Designated Period - An amount payable monthly for the Certificate provides that in certain circumstances, number of years selected which may be from 5 to 30 years. Any other payment options mutually agreed upon by the discounted value Company and the Contract Owner. Under any of the remaining paymentsannuity options above, if anyexcept the Fifth Option when paid on a variable basis, no surrenders are permitted once payments commence. Surrenders out of the Fifth Option will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include subject to any applicable premium taxContingent Deferred Sales Charge.

ANNUITY OPTIONS. Upon written election filed with the Company at its Annuity Service Center, all or part The Annuitant may elect to have payments made under any of the Contract Value options listed below. Payments may be applied to provide one received on either a fixed or a variable basis, or a combination of the following options or any Annuity Option that is mutually agreeablefixed and variable bases. The portion of the Contract Value which is in the Fixed Account immediately prior to the Annuity Date, applied to an FIRST OPTION -- LIFE ANNUITY -- An annuity may be subject to a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details. OPTION 1 - LIFE ANNUITY, LIFETIME MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee monthly during the lifetime of an Annuitant, ceasing with the Annuitant. No further payments are payable after last monthly payment due prior to the death of the Annuitant and there is no provision for a Death Benefit payable to the BeneficiaryAnnuitant. SECOND OPTION 2 - JOINT AND SURVIVOR -- LIFE ANNUITY Monthly payments WITH 60, 120, OR 180 MONTHLY PAYMENTS GUARANTEED -- An annuity payable to the Payee during the joint lifetime of the Annuitant and a designated second person and monthly during the lifetime of the survivor. If a reduced payment to the survivor is desired, Variable Annuity payments, will be determined using either one-half or two-thirds of the number of each type of Annuity Unit credited to the Certificate. Fixed monthly payments, will be equal to either one-half or two-thirds of the fixed monthly payment payable during the joint lifetime of the Annuitant and the designated second person. OPTION 3 - JOINT AND SURVIVOR LIFE ANNUITY - 120 MONTHLY PAYMENTS GUARANTEED Monthly payments payable to the Payee during the joint lifetime of the Annuitant and designated second person and continuing during the remaining lifetime of the survivoran Annuitant, with the guarantee that if, at the death of the survivor, payments have been made for less than 120 monthly periods, any remaining guaranteed annuity payments will be continued to the Beneficiary named on the Annuity Option Selection Form. In the event of death of the Annuitant and the designated second person under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining guaranteed annuity payments, if any, will be calculated and paid in one sum. OPTION 4 - LIFE ANNUITY WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED An annuity payable monthly to the Payee during the lifetime of the Annuitant with the a guarantee that if, at the death of the Annuitant, payments have been made for less than the 120 or 240 monthly periods, as number of months selected, annuity payments will be made in continued thereafter to a Beneficiary designated by the same manner as provided under Annuitant during the remainder of the certain period. THIRD OPTION 3 above. In -- UNIT REFUND LIFE ANNUITY -- An annuity payable monthly during the event lifetime of the Annuitant, ceasing with the last monthly payment due prior to the death of the Annuitant under this optionAnnuitant. At the death of the Annuitant, the Certificate provides that in certain circumstances, the discounted value of the remaining paymentsBeneficiary may receive an additional payment. The additional payment, if any, is equal to the then current value of any Annuity Units credited to the Contract at the Annuity Date which have not theretofore been paid out in the form of Annuity Payments. For the purposes of this Option, the number of Annuity Units credited to the Contract at the Annuity Date will be calculated and paid in one sum. OPTION 5 - FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN Fixed monthly payments payable the total value applied to this Option divided by the Payee for any specified period of time (three (3) years or more, but not exceeding thirty (30) years), as elected. The election must be made for full twelve month periods. In Annuity Unit value at the event of death of date used to calculate the Payee under this option, the Certificate provides that in certain circumstances, the discounted value of the remaining payments, if any, will be calculated and paid in one sum. BASIS OF COMPUTATION The actuarial basis for the Table of Guaranteed First Annuity Rates is the 1983a Annuity Mortality Table, without projection with interest at 3.5%. The Table of Guaranteed Annuity Rates does not include any applicable premium taxPayment.