Common use of ANNUITY PAYMENT PROVISIONS Clause in Contracts

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you must notify us in writing at least 30 days prior to the date that you want annuity payments to begin. You may choose annuity payments under an annuity option described in this Contract or another annuity option that you want and that we agree to provide. You cannot start the Income Phase until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option). If the amount applied to an annuity option is less than $5,000, we may pay you in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin receiving annuity payments, you cannot switch back to the Accumulation Phase. You cannot add Purchase Payments, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the guaranteed minimum death benefit will no longer be applicable. Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period The payee receives monthly annuity payments for the longer of the Annuitant’s life or a guaranteed period of five or more years as selected by you and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee designated by the Owner. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. After the Annuitant dies, the payee receives a specified percentage of each annuity payment as long as the second Annuitant is living. You name the second Annuitant and payment percentage at the time you elect this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies.

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you must notify us in writing at least 30 days prior to the date that you want annuity payments to begin. You may choose annuity payments under an annuity option described in this Contract or another annuity option that you want and that we agree to provide. You cannot start the Income Phase until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option). If the amount applied to an annuity option is less than $5,000, we may pay you in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin receiving annuity payments, you cannot switch back to the Accumulation Phase. You cannot add Purchase Payments, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the guaranteed minimum death benefit will no longer be applicable. Life Annuity LIFE ANNUITY The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period LIFE ANNUITY WITH The payee receives monthly annuity payments for the GUARANTEED longer of the Annuitant’s 's life or a guaranteed period PERIOD of five or more years as selected by you and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee designated by the Owner. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity JOINT AND The payee receives monthly annuity payments as long as SURVIVOR LIFE the Annuitant is living. After the Annuitant dies, the ANNUITY payee receives a specified percentage of each annuity payment as long as the second Annuitant is living. You name the second Annuitant and payment percentage at the time you elect this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies. PAYMENTS BASED The payee receives annuity payments based on a number ON A NUMBER OF of years as selected by you and agreed to by us. You YEARS must select a period of at least five years. You may select monthly, quarterly, or annual annuity payments. Each annuity payment reduces the number of Accumulation Units and/or value of the Fixed Account Options in the Contract. Each annuity payment made from the Guaranteed Interest Period Fixed Account Option may be subject to an MVA. Annuity payments continue until the entire value in the Portfolios and/or the Fixed Account Options has been paid out. You can stop these annuity payments at any time and receive a lump sum equal to the remaining contract value and plus or minus any MVA if applicable. This option does not promise to make payments for the Annuitant's life. If the Owner dies before all annuity payments have been made, there will be a death benefit payable in accordance with the "DEATH OF OWNER On or After the Annuity Date" provision. This annuity option is only available after the eighth Contract Year and if your contract value is $25,000 or more at the time this option is selected. AUTOMATIC OPTION If you do not choose an annuity option at least 30 days before the latest Annuity Date allowed under this Contract and if your contract value is at least $25,000, we will make annuity payments under the Payments Based on a Number of Years annuity option. The number of years will be equal to the Annuitant's life expectancy. If your contract value is less than $25,000, we will make annuity payments under the Life Annuity with Guaranteed Period annuity option. The guaranteed period will be equal to 10 years. ANNUITY You can choose whether annuity payments will be made on PAYMENTS a fixed basis, variable basis, or both. If you don't tell us otherwise, annuity payments will be based on the investment allocations in place on the Annuity Date. After the Annuity Date, you may not switch between fixed annuity payments and variable annuity payments. FIXED ANNUITY The dollar amount of each fixed annuity payment will PAYMENTS stay the same. Annuity payments under the Payments Based on a Number of Years annuity option will be based on the minimum guaranteed interest rate and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined by applying the contract value that you want to use to purchase fixed annuity payments, adjusted for any MVA, to the Fixed Annuity Purchase Rate Table of this Contract, or the current rates at that time if more favorable to you. If premium taxes are required by state law, these taxes will be deducted before the annuity payments are calculated. VARIABLE ANNUITY The dollar amount of each variable annuity payment will PAYMENTS vary depending on the investment performance of the Portfolios that you selected. Annuity payments under the Payments Based on a Number of Years annuity option will be based on a reasonable rate of return and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined as described below.

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you must notify us in writing at least 30 days prior to the date that you want annuity payments to begin. You may choose annuity payments under an annuity option described in this Contract or another annuity option that you want and that we agree to provide. You cannot start the Income Phase until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option). If the amount applied to an annuity option is less than $5,000, we may pay you in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin receiving annuity payments, you cannot switch back to the Accumulation Phase. You cannot add Purchase Payments, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the minimum guaranteed minimum death benefit will no longer be applicable. Life Annuity LIFE ANNUITY The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period LIFE ANNUITY WITH The payee receives monthly annuity payments for the GUARANTEED PERIOD longer of the Annuitant’s 's life or a guaranteed period of five or more years as selected by you and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee designated by the Owner. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity JOINT AND SURVIVOR The payee receives monthly annuity payments as long LIFE ANNUITY as the Annuitant is living. After the Annuitant dies, the payee receives a specified percentage of each annuity payment as long as the second Annuitant is living. You name the second Annuitant and payment percentage at the time you elect this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies. PAYMENTS BASED ON A The payee receives annuity payments based on a NUMBER OF YEARS number of years as selected by you and agreed to by us. You must select a period of at least five years. You may select monthly, quarterly, or annual annuity payments. Each annuity payment reduces the number of Accumulation Units and/or value of the Fixed Account in the Contract. Annuity payments continue until 11 the entire value in the Portfolios and/or the Fixed Account has been paid out. You can stop these annuity payments at any time and receive a lump sum equal to the remaining contract value. This option does not promise to make payments for the Annuitant's life. If the Owner dies before all annuity payments have been made, there will be a death benefit payable in accordance with the "DEATH OF OWNER On or After the Annuity Date" provision. This annuity option is only available after the eighth Contract Year and if your contract value is $25,000 or more at the time this option is selected. AUTOMATIC OPTION If you do not choose an annuity option at least 30 days before the latest Annuity Date allowed under this Contract and if your contract value is at least $25,000, we will make annuity payments under the Payments Based on a Number of Years annuity option. The number of years will be equal to the Annuitant's life expectancy. If your contract value is less than $25,000, we will make annuity payments under the Life Annuity with Guaranteed Period annuity option. The guaranteed period will be equal to 10 years. ANNUITY PAYMENTS You can choose whether annuity payments will be made on a fixed basis, variable basis, or both. If you don't tell us otherwise, annuity payments will be based on the investment allocations in place on the Annuity Date. After the Annuity Date, you may not switch between fixed annuity payments and variable annuity payments. FIXED ANNUITY PAYMENTS The dollar amount of each fixed annuity payment will stay the same. Annuity payments under the Payments Based on a Number of Years annuity option will be based on the minimum guaranteed interest rate and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined by applying the contract value that you want to use to purchase fixed annuity payments to the Fixed Annuity Purchase Rate Table of this Contract, or the current rates at that time if more favorable to you. If premium taxes are required by state law, these taxes will be deducted before the annuity payments are calculated. VARIABLE ANNUITY The dollar amount of each variable annuity payment PAYMENTS will vary depending on the investment performance of the Portfolios that you selected. Annuity payments under the Payments Based on a Number of Years annuity option will be based on a reasonable rate of return and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined as described below. FIRST VARIABLE ANNUITY PAYMENT: The dollar amount of the first variable annuity payment is the sum of the payments from each Portfolio determined by applying the contract value used to purchase variable annuity payments, as of the 15th day of the preceding month, to the Variable Annuity Purchase Rate Table of this Contract. If the NYSE is not open on that date, the calculation will be made on the next day that the NYSE is open. If premium taxes are required by state law, these taxes will be deducted before the annuity payment is calculated. SUBSEQUENT VARIABLE ANNUITY PAYMENTS: The dollar amount of each subsequent variable annuity payment is the sum of the payments from each Portfolio, which are determined by multiplying the number of Annuity Units credited for that Portfolio by the Annuity Unit value of that Portfolio as of the 15th of the month preceding the annuity payment. If the NYSE is not open on that date, the calculation will be made on the next day that the NYSE is open. NUMBER OF VARIABLE ANNUITY UNITS: The number of Annuity Units credited for each Portfolio is the amount of the first annuity payment attributable to that Portfolio divided by the value of the applicable Annuity Unit for that Portfolio as of the 15th day of the month preceding the Annuity Date. The number of Annuity Units used to calculate the variable annuity payment each month remains constant unless you change Portfolio elections. VALUE OF VARIABLE ANNUITY UNITS: The value of an Annuity Unit will usually increase or decrease from one month to the next. For each month after the first month, the value of an Annuity Unit of a particular Portfolio is: - the value of that Annuity Unit as of the 15th day of the preceding month (or the next day that the NYSE is open); - multiplied by the Net Investment Factors for that Portfolio; and - divided by the Assumed Investment Factor for the period. The Net Investment Factor is a number that represents the change in the Accumulation Unit value of a Portfolio on successive days when the NYSE is open. The Net Investment Factor for any Portfolio for any valuation day is determined by dividing the current Accumulation Unit value by the prior day's Accumulation Unit value. The Net Investment Factor will likely be different than the Assumed Investment Factor, and therefore the Annuity Unit value will usually increase or decrease. The Assumed Investment Factor for a one-day valuation period is 1.00010746. This factor neutralizes the assumed investment return of 4% in the Variable Annuity Purchase Rate Table. We guarantee that the dollar amount of each variable annuity payment made after the first payment will not be adversely affected by variations in actual mortality experience or actual expenses incurred in excess of the expense deductions provided for in the Contract. CHANGING PORTFOLIO If you have selected variable annuity payments, ELECTIONS AFTER THE after the Annuity Date you may request to change ANNUITY DATE Portfolio elections once a month. Transfers are not allowed to or from the Fixed Account. Changes will affect the number of units used to calculate annuity payments.

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you must notify us in writing at least 30 days prior to the date that you want annuity payments to begin. You may choose annuity payments under an annuity option described in this Contract or another annuity option that you want and that we agree to provide. You cannot start the Income Phase until the Contract has been in effect for at least one year (eight five years for the Payments Based on a Number of Years annuity option). If the amount applied to an annuity option is less than $5,000, we may pay you in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin receiving annuity payments, you cannot switch back to the Accumulation Phase. You cannot add Purchase Payments, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the minimum guaranteed minimum death benefit will no longer be applicable. Life Annuity LIFE ANNUITY The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period LIFE ANNUITY WITH The payee receives monthly annuity payments for the GUARANTEED PERIOD longer of the Annuitant’s 's life or a guaranteed period of five or more years as selected by you and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee designated by the Owner. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity JOINT AND SURVIVOR LIFE The payee receives monthly annuity payments as long ANNUITY as the Annuitant is living. After the Annuitant dies, the payee receives a specified percentage of each annuity payment as long as the second Annuitant is living. You name the second Annuitant and payment percentage at the time you elect this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies. PAYMENTS BASED ON A The payee receives annuity payments based on a NUMBER OF YEARS number of years as selected by you and agreed to by us. You must select a period of at least five years. You may select monthly, quarterly, or annual annuity payments. Each annuity payment reduces the number of Accumulation Units and/or value of the Fixed Account in the Contract. Annuity payments continue until 13 the entire value in the Portfolios and/or the Fixed Account has been paid out. You can stop these annuity payments and receive a lump sum equal to the remaining contract value. This option does not promise to make payments for the Annuitant's life. If the Owner dies before all annuity payments have been made, there will be a death benefit payable in accordance with the "DEATH OF OWNER On or After the Annuity Date" provision. This annuity option is only available after the fifth Contract Year and if your contract value is $25,000 or more at the time this option is selected. AUTOMATIC OPTION If you do not choose an annuity option at least 30 days before the latest Annuity Date allowed under this Contract and if your contract value is at least $25,000, we will make annuity payments under the Payments Based on a Number of Years annuity option. The number of years will be equal to the Annuitant's life expectancy. If your contract value is less than $25,000, we will make annuity payments under the Life Annuity with Guaranteed Period annuity option. The guaranteed period will be equal to 10 years. ANNUITY PAYMENTS You can choose whether annuity payments will be made on a fixed basis, variable basis, or both. If you don't tell us otherwise, annuity payments will be based on the investment allocations in place on the Annuity Date. After the Annuity Date, you may not switch between fixed annuity payments and variable annuity payments. FIXED ANNUITY PAYMENTS The dollar amount of each fixed annuity payment will stay the same. Annuity payments under the Payments Based on a Number of Years annuity option will be based on the minimum guaranteed interest rate and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined by applying the contract value that you want to use to purchase fixed annuity payments to the Fixed Annuity Purchase Rate Table of this Contract, or the current rates at that time if more favorable to you. If premium taxes are required by state law, these taxes will be deducted before the annuity payments are calculated. VARIABLE ANNUITY The dollar amount of each variable annuity payment PAYMENTS will vary depending on the investment performance of the Portfolios that you selected. Annuity payments under the Payments Based on a Number of Years annuity option will be based on a reasonable rate of return and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined as described below. FIRST VARIABLE ANNUITY PAYMENT: The dollar amount of the first variable annuity payment is the sum of the payments from each Portfolio determined by applying the contract value used to purchase variable annuity payments, as of the 15th day of the preceding month, to the Variable Annuity Purchase Rate Table of this Contract. If the NYSE is not open on that date, the calculation will be made on the next day that the NYSE is open. If premium taxes are required by state law, these taxes will be deducted before the annuity payment is calculated. SUBSEQUENT VARIABLE ANNUITY PAYMENTS: The dollar amount of each subsequent variable annuity payment is the sum of the payments from each Portfolio, which are determined by multiplying the number of Annuity Units credited for that Portfolio by the Annuity Unit value of that Portfolio as of the 15th of the month preceding the annuity payment. If the NYSE is not open on that date, the calculation will be made on the next day that the NYSE is open. NUMBER OF VARIABLE ANNUITY UNITS: The number of Annuity Units credited for each Portfolio is the amount of the first annuity payment attributable to that Portfolio divided by the value of the applicable Annuity Unit for that Portfolio as of the 15th day of the month preceding the Annuity Date. The number of Annuity Units used to calculate the variable annuity payment each month remains constant unless you change Portfolio elections. VALUE OF VARIABLE ANNUITY UNITS: The value of an Annuity Unit will usually increase or decrease from one month to the next. For each month after the first month, the value of an Annuity Unit of a particular Portfolio is: - the value of that Annuity Unit as of the 15th day of the preceding month (or the next day that the NYSE is open); - multiplied by the Net Investment Factors for that Portfolio; and - divided by the Assumed Investment Factor for the period. The Net Investment Factor is a number that represents the change in the Accumulation Unit value of a Portfolio on successive days when the NYSE is open. The Net Investment Factor for any Portfolio for any valuation day is determined by dividing the current Accumulation Unit value by the prior day's Accumulation Unit value. The Net Investment Factor will likely be different than the Assumed Investment Factor, and therefore the Annuity Unit value will usually increase or decrease. The Assumed Investment Factor for a one-day valuation period is 1.00010746. This factor neutralizes the assumed investment return of 4% in the Variable Annuity Purchase Rate Table. We guarantee that the dollar amount of each variable annuity payment made after the first payment will not be adversely affected by variations in actual mortality experience or actual expenses incurred in excess of the expense deductions provided for in the Contract. CHANGING PORTFOLIO If you have selected variable annuity payments, ELECTIONS AFTER THE after the Annuity Date you may request to change ANNUITY DATE Portfolio elections once a month. Transfers are not allowed to or from the Fixed Account. Changes will affect the number of units used to calculate annuity payments.

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you must notify us in writing at least 30 days prior to the date that you want annuity payments to begin. You may choose annuity payments under an annuity option described in this Contract or another annuity option that you want and that we agree to provide. You cannot start the Income Phase until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option)year. If the amount applied to an annuity option is less than $5,0002,000, we may pay you make payment in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin receiving annuity payments, you cannot switch back to the Accumulation Phase. You cannot add Purchase Payments, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the guaranteed minimum death benefit will no longer be applicable. The annuity benefits at the time of their commencement will not be less than those that are provided by the application of the amount to purchase any single consideration immediate annuity contract offered by First Symetra at the same time to the same class of annuitants. Annuity payment options based on a life ensure that the annuitant or annuitants cannot outlive the annuity payments. The duration of the annuitant’s life or annuitants lives determines how long payments continue under the following options: Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period The payee receives monthly annuity payments for the longer of the Annuitant’s life or a guaranteed period of five or more years as selected by you and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest remaining payments due will be made to the payee designated by the Owner. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee Owner may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. After the Annuitant dies, the payee receives a specified percentage of each annuity payment as long as the second joint Annuitant is living. You name the second joint Annuitant and payment percentage at the time you elect this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies.this

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you must notify us in writing at least 30 days prior to the date that you want annuity payments to begin. You may choose annuity payments under an annuity option described in this Contract or another annuity option that you want and that we agree to provide. You cannot start the Income Phase until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option)year. If the amount applied to an annuity option is less than $5,0002,000, we may pay you make payment in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin receiving annuity payments, you cannot switch back to the Accumulation Phase. You cannot add Purchase Payments, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. .When the Contract switches to the Income Phase, the guaranteed minimum death benefit will no longer be applicable. The annuity benefits at the time of their commencement will not be less than those that are provided by the application of the amount to purchase any single consideration immediate annuity contract offered by First Symetra at the same time to the same class of annuitants. Annuity payment options based on a life ensure that the annuitant or annuitants cannot outlive the annuity payments. The duration of the annuitant’s life or annuitants lives determines how long payments continue under the following options: Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period The payee receives monthly annuity payments for the longer of the Annuitant’s life or a guaranteed period of five or more years as selected by you and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest remaining payments due will be made to the payee designated by the Owner. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee Owner may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. After the Annuitant dies, the payee receives a specified percentage of each annuity payment as long as the second joint Annuitant is living. You name the second joint Annuitant and payment percentage at the time you elect this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies.this

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you the Owner on behalf of the Annuitant must notify us in writing at least 30 days prior to the date that you want the annuity payments are to begin. You This option must be approved by the Employer’s Plan Administrator. The Annuitant may choose annuity payments under an annuity option described in this Contract or another annuity option that you want the Annuitant wants and that we agree to provide. You The Income Phase cannot start the Income Phase be started until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option). If the amount applied to an annuity option is less than $5,000, we may pay you the Annuitant in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin the payee begins receiving annuity payments, you the payee cannot switch back to the Accumulation Phase. You The Owner cannot add Purchase PaymentsPayments on behalf of the Annuitant, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the guaranteed minimum death benefit will no longer be applicable. Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period The payee receives monthly annuity payments for the longer of the Annuitant’s life or a guaranteed period of five or more years as selected by you the Annuitant and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee designated by the OwnerAnnuitant. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. After the Annuitant dies, the payee receives a specified percentage of each annuity payment as long as the second Annuitant is living. You name The Annuitant names the second Annuitant and payment percentage at the time you elect the Annuitant selects this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies.

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) Annuitant receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you the Owner on behalf of the Annuitant must notify us in writing at least 30 days prior to the date that you want the annuity payments are to begin. You The Annuitant may choose annuity payments under an annuity option described in this Contract or another annuity option that you want the Annuitant wants and that we agree to provide. You The Income Phase cannot start the Income Phase until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option)year. If the amount applied to an annuity option is less than $5,0002,000, we may pay you make payment in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin the Annuitant begins receiving annuity payments, you the Annuitant cannot switch back to the Accumulation Phase. You The Owner cannot add Purchase PaymentsPayments on behalf of the Annuitant, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the guaranteed minimum death benefit will no longer be applicable. Life Annuity The payee Annuitant receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period The payee Annuitant receives monthly annuity payments for the longer of the Annuitant’s life or a guaranteed period of five or more years as selected by you the Annuitant and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee Beneficiary designated by the OwnerAnnuitant. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee Beneficiary may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity The payee Annuitant receives monthly annuity payments as long as the Annuitant is living. After the Annuitant dies, the payee joint Annuitant receives a specified percentage of each annuity payment as long as the second joint Annuitant is living. You name The Annuitant names the second joint Annuitant and payment percentage at the time you elect the Annuitant elects this option. Annuity payments stop the later of the date the Annuitant dies or the date the second joint Annuitant dies. Automatic Option If the Annuitant does not choose an annuity option at least 30 days before the latest Annuity Date allowed under this Contract, we will make variable annuity payments under the Life Annuity with Guaranteed Period annuity option. The guaranteed period will be equal to 10 years, unless a shorter period is otherwise required by the IRC. REQUIRED MINIMUM DISTRIBUTIONS Notwithstanding anything in this Contract to the contrary, distributions, annuity payments, and withdrawals from a 457 Plan must comply with IRC Section 401(a)(9) and applicable regulations thereunder. The contract value must be distributed or begin to be distributed in a manner and over a period permitted under the IRC and applicable regulations. The distribution must take place no later than April 1st of the calendar year following the later of: 1) the calendar year in which the Annuitant becomes age 70 1/2 ; or 2) the calendar year in which the Annuitant retires. ANNUITY PAYMENTS The Annuitant can choose whether annuity payments will be made on a fixed basis, variable basis, or both. After the Annuity Date, the Annuitant may not switch between fixed annuity payments and variable annuity payments. Fixed Annuity Payments The dollar amount of each fixed annuity payment will stay the same. Annuity payments will be determined by applying the contract value used to purchase fixed annuity payments to the Fixed Annuity Purchase Rate Table of this Contract, or the current rates at that time if more favorable to the Annuitant. If premium taxes are required by state law, these taxes will be deducted before the annuity payments are calculated. Variable Annuity Payments The dollar amount of each variable annuity payment will vary depending on the investment performance of the Sub-accounts that the Annuitant selected. Unless we receive different instructions, variable annuity payments will be based on the investment allocations in place on the Annuity Date. Variable annuity payments will be determined as described below.

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you must notify us in writing at least 30 days prior to the date that you want annuity payments to begin. You may choose annuity payments under an annuity option described in this Contract or another annuity option that you want and that we agree to provide. You cannot start the Income Phase until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option). If the amount applied to an annuity option is less than $5,000, we may pay you in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin receiving annuity payments, you cannot switch back to the Accumulation Phase. You cannot add Purchase Payments, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the minimum guaranteed minimum death benefit will no longer be applicable. Life Annuity LIFE ANNUITY The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period LIFE ANNUITY WITH The payee receives monthly annuity payments for the GUARANTEED longer of the Annuitant’s 's life or a guaranteed PERIOD period of five or more years as selected by you and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee designated by the Owner. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity JOINT AND The payee receives monthly annuity payments as long SURVIVOR LIFE as the Annuitant is living. After the Annuitant ANNUITY dies, the payee receives a specified percentage of each annuity payment as long as the second Annuitant is living. You name the second Annuitant and payment percentage at the time you elect this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies. PAYMENTS BASED The payee receives annuity payments based on a ON A NUMBER OF number of years as selected by you and agreed to by YEARS us. You must select a period of at least five years. You may select monthly, quarterly, or annual annuity payments. Each annuity payment reduces the number of Accumulation Units and/or value of the Fixed Account Options in the Contract. Each annuity payment made from the Guaranteed Interest Period Fixed Account Option may be subject to an MVA. Annuity payments continue until the entire value in the Portfolios and/or the Fixed Account Options has been paid out. You can stop these annuity payments at any time and receive a lump sum equal to the remaining contract value and plus or minus any MVA if applicable. This option does not promise to make payments for the Annuitant's life. If the Owner dies before all annuity payments have been made, there will be a death benefit payable in accordance with the "DEATH OF OWNER On or After the Annuity Date" provision. This annuity option is only available after the eighth Contract Year and if your contract value is $25,000 or more at the time this option is selected. AUTOMATIC OPTION If you do not choose an annuity option at least 30 days before the latest Annuity Date allowed under this Contract and if your contract value is at least $25,000, we will make annuity payments under the Payments Based on a Number of Years annuity option. The number of years will be equal to the Annuitant's life expectancy. If your contract value is less than $25,000, we will make annuity payments under the Life Annuity with Guaranteed Period annuity option. The guaranteed period will be equal to 10 years. ANNUITY You can choose whether annuity payments will be made PAYMENTS on a fixed basis, variable basis, or both. If you don't tell us otherwise, annuity payments will be based on the investment allocations in place on the Annuity Date. After the Annuity Date, you may not switch between fixed annuity payments and variable annuity payments. FIXED ANNUITY The dollar amount of each fixed annuity payment will PAYMENTS stay the same. Annuity payments under the Payments Based on a Number of Years annuity option will be based on the minimum guaranteed interest rate and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined by applying the contract value that you want to use to purchase fixed annuity payments, adjusted for any MVA, to the Fixed Annuity Purchase Rate Table of this Contract, or the current rates at that time if more favorable to you. If premium taxes are required by state law, these taxes will be deducted before the annuity payments are calculated. VARIABLE ANNUITY The dollar amount of each variable annuity payment PAYMENTS will vary depending on the investment performance of the Portfolios that you selected. Annuity payments under the Payments Based on a Number of Years annuity option will be based on a reasonable rate of return and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined as described below. FIRST VARIABLE ANNUITY PAYMENT: The dollar amount of the first variable annuity payment is the sum of the payments from each Portfolio determined by applying the contract value used to purchase variable annuity payments, as of the 15th day of the preceding month, to the Variable Annuity Purchase Rate Table of this Contract. If the NYSE is not open on that date, the calculation will be made on the next day that the NYSE is open. If premium taxes are required by state law, these taxes will be deducted before the annuity payment is calculated. SUBSEQUENT VARIABLE ANNUITY PAYMENTS: The dollar amount of each subsequent variable annuity payment is the sum of the payments from each Portfolio, which are determined by multiplying the number of Annuity Units credited for that Portfolio by the Annuity Unit value of that Portfolio as of the 15th of the month preceding the annuity payment. If the NYSE is not open on that date, the calculation will be made on the next day that the NYSE is open. NUMBER OF VARIABLE ANNUITY UNITS: The number of Annuity Units credited for each Portfolio is the amount of the first annuity payment attributable to that Portfolio divided by the value of the applicable Annuity Unit for that Portfolio as of the 15th day of the month preceding the Annuity Date. The number of Annuity Units used to calculate the variable annuity payment each month remains constant unless you change Portfolio elections. VALUE OF VARIABLE ANNUITY UNITS: The value of an Annuity Unit will usually increase or decrease from one month to the next. For each month after the first month, the value of an Annuity Unit of a particular Portfolio is: - the value of that Annuity Unit as of the 15th day of the preceding month (or the next day that the NYSE is open); - multiplied by the Net Investment Factors for that Portfolio; and - divided by the Assumed Investment Factor for the period. The Net Investment Factor is a number that represents the change in the Accumulation Unit value of a Portfolio on successive days when the NYSE is open. The Net Investment Factor for any Portfolio for any valuation day is determined by dividing the current Accumulation Unit value by the prior day's Accumulation Unit value. The Net Investment Factor will likely be different than the Assumed Investment Factor, and therefore the Annuity Unit value will usually increase or decrease. The Assumed Investment Factor for a one-day valuation period is 1.00010746. This factor neutralizes the assumed investment return of 4% in the Variable Annuity Purchase Rate Table. We guarantee that the dollar amount of each variable annuity payment made after the first payment will not be adversely affected by variations in actual mortality experience or actual expenses incurred in excess of the expense deductions provided for in the Contract. CHANGING If you have selected variable annuity payments, PORTFOLIO after the Annuity Date you may request to change ELECTIONS AFTER Portfolio elections once a month. Transfers are not THE ANNUITY DATE allowed to or from the Fixed Account Options. Changes will affect the number of units used to calculate annuity payments.

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you must notify us in writing at least 30 days prior to the date that you want annuity payments to begin. You may choose annuity payments under an annuity option described in this Contract or another annuity option that you want and that we agree to provide. You cannot start the Income Phase until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option). If the amount applied to an annuity option is less than $5,000, we may pay you in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin receiving annuity payments, you cannot switch back to the Accumulation Phase. You cannot add Purchase Payments, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the minimum guaranteed minimum death benefit will no longer be applicable. Life Annuity LIFE ANNUITY The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period LIFE ANNUITY WITH The payee receives monthly annuity payments for the GUARANTEED PERIOD longer of the Annuitant’s 's life or a guaranteed period of five or more years as selected by you and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee designated by the Owner. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity JOINT AND SURVIVOR The payee receives monthly annuity payments as long LIFE ANNUITY as the Annuitant is living. After the Annuitant dies, the payee receives a specified percentage of each annuity payment as long as the second Annuitant is living. You name the second Annuitant and payment percentage at the time you elect this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies. PAYMENTS BASED ON A The payee receives annuity payments based on a NUMBER OF YEARS number of years as selected by you and agreed to by us. You must select a period of at least five years. You may select monthly, quarterly, or annual annuity payments. Each annuity payment reduces the number of Accumulation Units and/or value of the Fixed Account in the Contract. Annuity payments continue until 12 the entire value in the Portfolios and/or the Fixed Account has been paid out. You can stop these annuity payments at any time and receive a lump sum equal to the remaining contract value. This option does not promise to make payments for the Annuitant's life. If the Owner dies before all annuity payments have been made, there will be a death benefit payable in accordance with the "DEATH OF OWNER On or After the Annuity Date" provision. This annuity option is only available after the eighth Contract Year and if your contract value is $25,000 or more at the time this option is selected. AUTOMATIC OPTION If you do not choose an annuity option at least 30 days before the latest Annuity Date allowed under this Contract and if your contract value is at least $25,000, we will make annuity payments under the Payments Based on a Number of Years annuity option. The number of years will be equal to the Annuitant's life expectancy. If your contract value is less than $25,000, we will make annuity payments under the Life Annuity with Guaranteed Period annuity option. The guaranteed period will be equal to 10 years. ANNUITY PAYMENTS You can choose whether annuity payments will be made on a fixed basis, variable basis, or both. If you don't tell us otherwise, annuity payments will be based on the investment allocations in place on the Annuity Date. After the Annuity Date, you may not switch between fixed annuity payments and variable annuity payments. FIXED ANNUITY The dollar amount of each fixed annuity payment will PAYMENTS stay the same. Annuity payments under the Payments Based on a Number of Years annuity option will be based on the minimum guaranteed interest rate and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined by applying the contract value that you want to use to purchase fixed annuity payments to the Fixed Annuity Purchase Rate Table of this Contract, or the current rates at that time if more favorable to you. If premium taxes are required by state law, these taxes will be deducted before the annuity payments are calculated. VARIABLE ANNUITY The dollar amount of each variable annuity payment PAYMENTS will vary depending on the investment performance of the Portfolios that you selected. Annuity payments under the Payments Based on a Number of Years annuity option will be based on a reasonable rate of return and the number of annuity payments you selected. Annuity payments under all other annuity options will be determined as described below. FIRST VARIABLE ANNUITY PAYMENT: The dollar amount of the first variable annuity payment is the sum of the payments from each Portfolio determined by applying the contract value used to purchase variable annuity payments, as of the 15th day of the preceding month, to the Variable Annuity Purchase Rate Table of this Contract. If the NYSE is not open on that date, the calculation will be made on the next day that the NYSE is open. If premium taxes are required by state law, these taxes will be deducted before the annuity payment is calculated. SUBSEQUENT VARIABLE ANNUITY PAYMENTS: The dollar amount of each subsequent variable annuity payment is the sum of the payments from each Portfolio, which are determined by multiplying the number of Annuity Units credited for that Portfolio by the Annuity Unit value of that Portfolio as of the 15th of the month preceding the annuity payment. If the NYSE is not open on that date, the calculation will be made on the next day that the NYSE is open. NUMBER OF VARIABLE ANNUITY UNITS: The number of Annuity Units credited for each Portfolio is the amount of the first annuity payment attributable to that Portfolio divided by the value of the applicable Annuity Unit for that Portfolio as of the 15th day of the month preceding the Annuity Date. The number of Annuity Units used to calculate the variable annuity payment each month remains constant unless you change Portfolio elections. VALUE OF VARIABLE ANNUITY UNITS: The value of an Annuity Unit will usually increase or decrease from one month to the next. For each month after the first month, the value of an Annuity Unit of a particular Portfolio is: - the value of that Annuity Unit as of the 15th day of the preceding month (or the next day that the NYSE is open); - multiplied by the Net Investment Factors for that Portfolio; and - divided by the Assumed Investment Factor for the period. The Net Investment Factor is a number that represents the change in the Accumulation Unit value of a Portfolio on successive days when the NYSE is open. The Net Investment Factor for any Portfolio for any valuation day is determined by dividing the current Accumulation Unit value by the prior day's Accumulation Unit value. The Net Investment Factor will likely be different than the Assumed Investment Factor, and therefore the Annuity Unit value will usually increase or decrease. The Assumed Investment Factor for a one-day valuation period is 1.00010746. This factor neutralizes the assumed investment return of 4% in the Variable Annuity Purchase Rate Table. We guarantee that the dollar amount of each variable annuity payment made after the first payment will not be adversely affected by variations in actual mortality experience or actual expenses incurred in excess of the expense deductions provided for in the Contract. CHANGING PORTFOLIO If you have selected variable annuity payments, ELECTIONS AFTER THE after the Annuity Date you may request to change ANNUITY DATE Portfolio elections once a month. Transfers are not allowed to or from the Fixed Account. Changes will affect the number of units used to calculate annuity payments.

ANNUITY PAYMENT PROVISIONS. ANNUITY OPTIONS The Income Phase will start no later than the maximum annuitization age shown on the contract data page, or an earlier date if required by law. During the Income Phase, the payee (you or someone you choose) receives regular annuity payments beginning on the Annuity Date. To start the Income Phase, you the Owner on behalf of the Annuitant must notify us in writing at least 30 days prior to the date that you want the annuity payments are to begin. You This option must be approved by the Employer’s Plan Administrator. The Annuitant may choose annuity payments under an annuity option described in this Contract or another annuity option that you want the Annuitant wants and that we agree to provide. You The Income Phase cannot start the Income Phase be started until the Contract has been in effect for at least one year (eight years for the Payments Based on a Number of Years annuity option). If the amount applied to an annuity option is less than $5,000, we may pay you the Annuitant in a lump sum where permitted by state law. We reserve the right to change the payment frequency if payment amounts would be less than $250. Switching to the Income Phase is irrevocable. Once you begin the payee begins receiving annuity payments, you the Annuitant cannot switch back to the Accumulation Phase. You The Owner cannot add Purchase PaymentsPayments on behalf of the Annuitant, change or add an Annuitant, change the annuity option, or change between fixed and variable annuity payments. When the Contract switches to the Income Phase, the guaranteed minimum death benefit will no longer be applicable. Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. Annuity payments stop when the Annuitant dies. Life Annuity with Guaranteed Period The payee receives monthly annuity payments for the longer of the Annuitant’s life or a guaranteed period of five or more years as selected by you the Annuitant and agreed to by us. If the Annuitant dies before all guaranteed payments have been made, the rest will be made to the payee designated by the OwnerAnnuitant. Annuity payments stop the later of the date the Annuitant dies or the date the last guaranteed payment is made. As an alternative to monthly payments, the payee may elect to have the present value of the guaranteed variable annuity payments remaining as of the date the notice of death is received by us commuted at the assumed investment return of 4% and paid in a single payment. Joint and Survivor Life Annuity The payee receives monthly annuity payments as long as the Annuitant is living. After the Annuitant dies, the payee receives a specified percentage of each annuity payment as long as the second Annuitant is living. You name The Annuitant names the second Annuitant and payment percentage at the time you elect the Annuitant elects this option. Annuity payments stop the later of the date the Annuitant dies or the date the second Annuitant dies.