Common use of Annuity Units Clause in Contracts

Annuity Units. The number of Annuity Units is found by dividing the first Annuity Payment by the Annuity Unit Value for the selected Subaccount on the Annuity Payout Date. The number of Annuity Units for the Subaccount then remains constant, unless an Exchange of Annuity Units is made. After the first Annuity Payment, the dollar amount of each subsequent Annuity Payment is equal to the number of Annuity Units times the Annuity Unit Value for the Subaccount on the due date of the Annuity Payment. FSB201 H (4-94) 55-02010-13 -16- BP 201OM1 -------------------------------------------------------------------------------- ANNUITY PAYMENT PROVISIONS (Continued) -------------------------------------------------------------------------------- ANNUITY UNITS (Cont'd) The Annuity Unit Value for each Subaccount was first set at $1.00. The Annuity Unit Value for any subsequent Valuation Date is equal to (a) times (b) times (c), where:

Annuity Units. The number of Annuity Units is found by dividing the first Annuity Payment by the Annuity Unit Value for the selected Subaccount on the Annuity Payout Start Date. The number of Annuity Units for the Subaccount then remains constant, unless an Exchange a Transfer of Annuity Units is made. After the first Annuity Payment, the dollar amount of each subsequent Annuity Payment is equal to the number of Annuity Units times the Annuity Unit Value for the Subaccount on the due date of the Annuity Payment. FSB201 V6022 H (410-94) 55-02010-13 -16- BP 201OM1 -------------------------------------------------------------------------------- ANNUITY PAYMENT PROVISIONS (Continued) -------------------------------------------------------------------------------- ANNUITY UNITS (Cont'dContinued) The Annuity Unit Value for each Subaccount was first set at $1.00. The Annuity Unit Value for any subsequent Valuation Date is equal to (a) times (b) times (c), where:

Annuity Units. The number of Annuity Units is found by dividing the first Annuity Payment by the Annuity Unit Value for the selected Subaccount on the Annuity Payout Date. The number of Annuity Units for the Subaccount then remains constant, unless an Exchange of Annuity Units is made. After the first Annuity Payment, the dollar amount of each subsequent Annuity Payment is equal to the number of Annuity Units times the Annuity Unit Value for the Subaccount on the due date of the Annuity Payment. 55-02010-07 FSB201 H (4-94) 55-02010-13 -16- BP 201OM1 2010G1 -------------------------------------------------------------------------------- ANNUITY PAYMENT PROVISIONS (Continued) -------------------------------------------------------------------------------- ANNUITY UNITS (Cont'd) The Annuity Unit Value for each Subaccount was first set at $1.00. The Annuity Unit Value for any subsequent Valuation Date is equal to (a) times (b) times (c), where:

Annuity Units. The number of Annuity Units is found by dividing the first Annuity Payment by the Annuity Unit Value for the selected Subaccount on the Annuity Payout Date. The number of Annuity Units for the Subaccount then remains constant, unless an Exchange of Annuity Units is made. After the first Annuity Payment, the dollar amount of each subsequent Annuity Payment is equal to the number of Annuity Units times the Annuity Unit Value for the Subaccount on the due date of the Annuity Payment. FSB201 H (4-94) 55-02010-13 07 FSB000 X (0-00) -16- BP 201OM1 2010G1 -------------------------------------------------------------------------------- ANNUITY PAYMENT PROVISIONS (Continued) -------------------------------------------------------------------------------- ANNUITY UNITS (Cont'd) The Annuity Unit Value for each Subaccount was first set at $1.00. The Annuity Unit Value for any subsequent Valuation Date is equal to (a) times (b) times (c), where:

Annuity Units. The number of Annuity Units is found by dividing the first Annuity Payment by the Annuity Unit Value for the selected Subaccount on the Annuity Payout Date. The number of Annuity Units for the Subaccount then remains constant, unless an Exchange of Annuity Units is made. After the first Annuity Payment, the dollar amount of each subsequent Annuity Payment is equal to the number of Annuity Units times the Annuity Unit Value for the Subaccount on the due date of the Annuity Payment. FSB201 H (4-94) 55-02010-13 07 FSX000 X (X00-00) -16- BP 201OM1 2010G1 -------------------------------------------------------------------------------- ANNUITY PAYMENT PROVISIONS (Continued) -------------------------------------------------------------------------------- ANNUITY UNITS (Cont'd) The Annuity Unit Value for each Subaccount was first set at $1.00. The Annuity Unit Value for any subsequent Valuation Date is equal to (a) times (b) times (c), where:

Annuity Units. The number of Annuity Units is found by dividing the first Annuity Payment by the Annuity Unit Value for the selected Subaccount on the Annuity Payout Date. The number of Annuity Units for the Subaccount then remains constant, unless an Exchange of Annuity Units is made. After the first Annuity Payment, the dollar amount of each subsequent Annuity Payment is equal to the number of Annuity Units times the Annuity Unit Value for the Subaccount on the due date of the Annuity Payment. FSB201 H (4R10-9400) 55-02010-13 -16- BP 201OM1 -------------------------------------------------------------------------------- ANNUITY PAYMENT PROVISIONS (Continued) -------------------------------------------------------------------------------- ANNUITY UNITS (Cont'd) The Annuity Unit Value for each Subaccount was first set at $1.00. The Annuity Unit Value for any subsequent Valuation Date is equal to (a) times (b) times (c), where: