Common use of Automatic Withdrawal Clause in Contracts

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual or annual basis, subject to the Minimum partial withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal and will be counted in determining the amount taken as a Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the Free Withdrawal amount may be subject to Withdrawal Charges and/or MVA. If an automatic withdrawal causes the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data Pages, the Company will treat the withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGE. For purposes of determining the Withdrawal Charge, the Contract Value is divided into earnings and Remaining Premium, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages. The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Free Withdrawal available at the time of the total withdrawal. The Withdrawal Charge reduces

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual or annual basis, subject to the Minimum partial withdrawal Partial Withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal withdrawals and will be counted in determining the amount taken as a Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the Free Withdrawal amount may be subject to Withdrawal Charges and/or MVACharges. If an automatic withdrawal causes the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data Pages, the Company will treat the automatic withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGE. The Company may impose a Withdrawal Charge against certain withdrawals from the Contract. The Company will calculate Withdrawal Charges in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages. For purposes of determining the Withdrawal Charge, the Contract Value is divided into earnings and Remaining Premium, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes purpose of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain Remaining Premium is defined as the total Premium paid into the Contract less withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with , before the Withdrawal Charge Schedule shown on the Contract Data Pageswithdrawal is adjusted for any charges. The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for a waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are Percentage is applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Free Withdrawal available at the time of the total withdrawal. The Withdrawal Charge reduces

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual semiannual, or annual basis, subject to the Minimum partial withdrawal Partial Withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal withdrawals and will be counted in determining the amount taken as a Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the Free Withdrawal amount may be subject to Withdrawal Charges. Automatic withdrawals cease on the Income Date. WITHDRAWAL CHARGE. The Company may impose a Withdrawal Charge against certain withdrawals from the Contract. The Company will calculate Withdrawal Charges and/or MVA. If an automatic withdrawal causes in accordance with the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as Charge Schedule shown on the Contract Data Pages, the Company will treat the withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGE. For purposes of determining the Withdrawal Charge, the Contract Value is divided into earnings and Remaining Premium, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes purpose of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages. The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for a waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are Percentage is applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Free Withdrawal available at the time of the total withdrawal. The Withdrawal Charge reduces

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual or annual basis, subject to the Minimum partial withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal and will be counted in determining the amount taken as a Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the Free Withdrawal amount may be subject to Withdrawal Charges and/or MVAMarket Value Adjustments. If an automatic withdrawal causes the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data Pages, the Company will treat the withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGE. For purposes of determining the Withdrawal Charge, the Contract Value is divided into earnings and Remaining Premium, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages. The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Free Withdrawal available at the time of the total withdrawal. The Withdrawal Charge reducesreduces Remaining Premium and Contract Value. The Withdrawal Charge will be taken from the Contract Options in the same proportion as the requested withdrawal. Withdrawals will be allocated first to earnings (which may be withdrawn free of any Withdrawal Charge), if any, and second to Remaining Premium on a first-in, first-out basis so that all withdrawals will be allocated to Remaining Premium to which the lowest (if any) Withdrawal Charges apply. Any portion of the Withdrawal Charge that would reduce the Fixed Account Contract Value below the Fixed Account Minimum Value will be waived. ICC18 VA775 17

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual semiannual, or annual basis, subject to the Minimum partial withdrawal Partial Withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal withdrawals and will be counted in determining the amount taken as a Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the Free Withdrawal amount may be subject to Withdrawal Charges. Automatic withdrawals cease on the Income Date. WITHDRAWAL CHARGE. The Company may impose a Withdrawal Charge against certain withdrawals from the Contract. The Company will calculate Withdrawal Charges and/or MVA. If an automatic withdrawal causes in accordance with the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as Charge Schedule shown on the Contract Data Pages, the Company will treat the withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGE. For purposes of determining the Withdrawal Charge, the Contract Value is divided into earnings and Remaining Premium, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes purpose of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages. The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for a waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are Percentage is applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Free Withdrawal available at the time of the total withdrawal. The Withdrawal Charge reducesreduces Remaining Premium and Contract Value. The Withdrawal Charge will be taken from the Contract Options in the same proportion as the requested withdrawal. Withdrawals will be allocated first to earnings (which may be withdrawn free of any Withdrawal Charge), if any, and second to Remaining Premium.

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual or annual basis, subject to the Minimum partial withdrawal Partial Withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal withdrawals and will be counted in determining the amount taken as a an MVA Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the MVA Free Withdrawal amount may be subject to Withdrawal Charges and/or an MVA. If an automatic withdrawal causes the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data Pages, the Company will treat the automatic withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGEMVA FREE WITHDRAWAL. For purposes During each Contract Year, certain partial withdrawals from the Index Account will not incur an MVA. The amount of determining MVA Free Withdrawal available in any Contract Year is equal to the greater of: 1. the MVA Free Withdrawal Charge, the Contract Value is divided into earnings and Remaining PremiumPercentage, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages, multiplied by the Index Account value at the beginning of the Contract Year; or 2. zero. The MVA Free Withdrawal Charge is equal to can be taken as a single withdrawal or multiple withdrawals throughout the applicable Withdrawal Charge Percentage applied to the gross Contract Year. The amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Your MVA Free Withdrawal available at will vary throughout the time Contract Year depending on previous withdrawals of Your MVA Free Withdrawal amount. The amount of Your MVA Free Withdrawal available will reduce due to withdrawals from the Index Account during the Contract Year. MVA Free Withdrawals will be deducted from the Index Account Options in proportion to their current values within the Index Account. Any amount withdrawn to satisfy an RMD may reduce the amount of Your MVA Free Withdrawal available. No MVA Free Withdrawal may exceed the Withdrawal Value. Withdrawals during the Contract Year in excess of the total withdrawal. The MVA Free Withdrawal Charge reducesmay be subject to any applicable MVA.

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual or annual basis, subject to the Minimum partial withdrawal Partial Withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal withdrawals and will be counted in determining the amount taken as a an MVA Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the MVA Free Withdrawal amount may be subject to Withdrawal Charges and/or an MVA. If an automatic withdrawal causes the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data Pages, the Company will treat the automatic withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGEMVA FREE WITHDRAWAL. For purposes During each Contract Year, certain partial withdrawals from the Index Account will not incur an MVA. The amount of determining MVA Free Withdrawal available in any Contract Year is equal to the greater of: 1. the MVA Free Withdrawal Charge, the Contract Value is divided into earnings and Remaining PremiumPercentage, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages, multiplied by the Index Account value at the beginning of the Contract Year; or 2. zero The MVA Free Withdrawal can be taken as a single withdrawal or multiple withdrawals throughout the Contract Year. The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Your MVA Free Withdrawal available at will vary throughout the time Contract Year depending on previous withdrawals of Your MVA Free Withdrawal amount. The amount of Your MVA Free Withdrawal available will reduce due to withdrawals from the Index Account during the Contract Year. MVA Free Withdrawals will be deducted from the Index Account Options in proportion to their current values within the Index Account. Any amount withdrawn to satisfy an RMD may reduce the amount of Your MVA Free Withdrawal available. No MVA Free Withdrawal may exceed the Withdrawal Value. Withdrawals during the Contract Year in excess of the total withdrawalMVA Free Withdrawal may be subject to any applicable MVA. The Withdrawal Charge reducesRILA287 15

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual or annual basis, subject to the Minimum partial withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal and will be counted in determining the amount taken as a Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the Free Withdrawal amount may be subject to Withdrawal Charges and/or MVAMarket Value Adjustments. If an automatic withdrawal causes the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data Pages, the Company will treat the withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGE. For purposes of determining the Withdrawal Charge, the Contract Value is divided into earnings and Remaining Premium, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages. The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Free Withdrawal available at the time of the total withdrawal. The Withdrawal Charge reduces

Automatic Withdrawal. You may elect to take an automatic withdrawal by withdrawing a specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual or annual basis, subject to the Minimum partial withdrawal Partial Withdrawal amount made as a scheduled part of an automatic withdrawal program, as shown on the Contract Data Pages. Automatic withdrawals are treated as a partial withdrawal withdrawals and will be counted in determining the amount taken as a an MVA Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the MVA Free Withdrawal amount may be subject to Withdrawal Charges and/or an MVA. If an automatic withdrawal causes the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data Pages, the Company will treat the automatic withdrawal request as a total withdrawal and the Withdrawal Value will be paid. WITHDRAWAL CHARGEMVA FREE WITHDRAWAL. For purposes During each Contract Year, certain partial withdrawals from the Index Account will not incur an MVA. The amount of determining MVA Free Withdrawal available in any Contract Year is equal to the greater of: 1. the MVA Free Withdrawal Charge, the Contract Value is divided into earnings and Remaining PremiumPercentage, as defined in the Contract. Earnings are not subject to a Withdrawal Charge. For the sole purposes of determining the amount of the Withdrawal Charge, earnings are defined as any excess of the Contract Value over Remaining Premium. A Withdrawal Charge will be imposed upon certain withdrawals of Remaining Premium. The Withdrawal Charge will be calculated in accordance with the Withdrawal Charge Schedule shown on the Contract Data Pages, multiplied by the Index Account value at the beginning of the Contract Year; or 2. zero The MVA Free Withdrawal can be taken as a single withdrawal or multiple withdrawals throughout the Contract Year. The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium received by You), excluding any amount for which the Contract expressly provides for waived, or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge Percentage(s) is/are applied to the full value of Remaining Premium immediately prior to the withdrawal, less any Your MVA Free Withdrawal available at will vary throughout the time Contract Year depending on previous withdrawals of Your MVA Free Withdrawal amount. The amount of Your MVA Free Withdrawal available will reduce due to withdrawals from the Index Account during the Contract Year. MVA Free Withdrawals will be deducted from the Index Account Options in proportion to their current values within the Index Account. Any amount withdrawn to satisfy an RMD may reduce the amount of Your MVA Free Withdrawal available. No MVA Free Withdrawal may exceed the Withdrawal Value. Withdrawals during the Contract Year in excess of the total withdrawalMVA Free Withdrawal may be subject to any applicable MVA. The Withdrawal Charge reducesRILA285 15