Common use of Beneficiary Clause in Contracts

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, Beneficiaries upon Our receipt of all Required Documentation, We will pay calculate the Death Benefit and it will be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application form. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least two years after the Contract Date is shown on Date, but not beyond the later of the Owner's [90th birthday or ten years after the Contract Date PageDate] ("Latest Annuity Date"). The Annuity Date must not be beyond If the Owner is a non-natural person, the Latest Annuity Date shown on is the later of the Annuitant's [90th birthday or ten years after the Contract Data PageDate]. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven [thirty (30)] days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While (a) the Owner is living living; and (b) before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory of change was signed. Such change, however, will not apply to any payment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation designated on the Application will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving BeneficiariesBeneficiaries at the death of the Owner, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin). The date provided by the Owner to Us at the time of application is shown on the Contract Data Page as the Specified Annuity Date. You The Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar monthmonth and must be at least two years after the Contract Date, but not beyond the later of the Owner’s 90th birthday or ten years after the Contract Date. The Earliest If the Owner is a non-natural person, the latest Annuity Date After is the later of the Annuitant’s 90th birthday or ten years after the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youspecified, the Annuity Date will be the Latest latest Annuity Date, as set by the Company.

Beneficiary. The Your Beneficiary is selected by the Owner. While the Owner is living and before person you name who may receive any death benefit proceeds, or any remaining annuity payments after the Annuity Date, under your Contract if the Annuitant or Owner dies. If you leave no surviving Beneficiary, your estate may receive the death benefit proceeds under your Contract. If the Beneficiary is a trustee, we will neither be responsible for verifying a trustee's right to receive any death benefit proceeds payable, nor for how the trustee disposes of any death benefit proceeds. If before payment of any death benefit proceeds, we receive proper notice that the trust has been revoked or is not in effect, then any death benefit proceeds payable will be paid to the Owner's estate. ADDING OR CHANGING YOUR BENEFICIARY - You may add, change, or remove any Beneficiary, other than an irrevocable Beneficiary, subject to the terms of any assignment, at any time prior to the death of the Annuitant or Owner, as applicable, by sending us a request in proper form. However, if you have named an irrevocable Beneficiary, you may not add any new Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. You may remove any non-irrevocable Beneficiary by written noticewithout obtaining the consent of the irrevocable Beneficiary. A Qualified Contracts may have additional restrictions on naming and changing Beneficiaries. Any change in Beneficiary or addition will take effect only when we receive all necessary documents and record the change or addition. ANNUITY BENEFITS CHOICE OF ANNUITY DATE - Your Annuity Date is shown in the Contract Specifications. If you did not select an Annuity Date in your application for this Contract, we assigned an Annuity Date based on the date We receive type of this Contract and the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each otherAnnuitant's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS Age (see DEFAULT ANNUITY DATE You may specify an anticipated Annuity DateAND OPTIONS). You may change your Annuity Date by providing proper notice to us at least ten (10) Business Days prior to your current Annuity Date or new Annuity Date, whichever is earlier. Your Annuity Date may not be earlier than your first Contract Anniversary and must occur on or before the day the younger Annuxxxxx xxxches his or her 95th birthday, or earlier as required by state law. For certain trusts, the Annuity Date at any timemust occur before the Annuitant's 100th birthday. To meet minimum distribution requirements under the Code, at least seven days prior your Annuity Date for a Qualified Contract may need to occur on or before April 1 of the calendar year following the year in which your Annuitant (who is the Qualified Plan participant) reaches his or her 70-1/2 birthday. You may be subject to additional restrictions under your Qualified Plan. You should consult with your Qualified Plan administrator before you elect your Annuity Date. APPLICATION OF CONTRACT VALUE - Prior to the Annuity Date, by written notice you may elect to Us at Our convert all or part of your Net Contract Value, less any applicable charge for premium taxes and/or other taxes, to any currently offered Annuity Service CenterOption. You may also elect a full withdrawal (subject to the terms of the withdrawal provisions) in lieu of annuity payments under an Annuity Option. Before we make any full withdrawal, we require return of this Contract (or a signed Lost Contract Affidavit) to us. The Annuity Date aggregate net amount you convert must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.be

Beneficiary. BENEFICIARY: The Beneficiary designation in effect on the Contract Date will remain in effect until changed. The Beneficiary is selected by entitled to receive the benefits to be paid at the death of the Owner during the Accumulation Period. When a Beneficiary is designated, any relationship shown is to the Owner unless otherwise specified. To show priority among Beneficiaries, we will label the classes, so that the class with first priority is called the primary class, the class with next priority is called the secondary class, and so on. The following statements apply to Beneficiaries unless the Contract Data pages, Contract endorsement or any change request that we have processed specifies otherwise: One who survives the Owner will have the right to be paid only if no one in a prior class survives the Owner. While One who has the right to be paid will be the only one paid if no one else in the same class survives the Owner. Two or more in the same class who have the right to be paid will be paid in equal shares. If no one survives the Owner, we will pay in one sum to the Owner's estate. Unless you notify us otherwise in writing received in Good Order, when there is insufficient evidence to determine the order of death, we will deem the Owner is living to be the last survivor and before make payment to the Annuity DateOwner's Beneficiary. Before we make a payment, we have the Owner right to decide what reasonable proof we need of the identity, age or any other facts about any persons designated as Beneficiaries. If Beneficiaries are not designated by name and we make payment(s) based on that proof, we will not have to make the payment(s) again. CHANGE OF BENEFICIARY: To initiate a change of Beneficiary, call the toll-free number listed on your statement or contact the representative who sold you the Contract. We will send you a change request form. We may also ask you to send us the Contract. The change the Beneficiary by written notice. A change in Beneficiary of beneficiary will take effect on the date We receive you sign the written notice change request form, provided such request is received in a form satisfactory to Us at Our Annuity Service CenterGood Order. If two or more persons are named Then, any previous Beneficiary's interest will end as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to date the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Ownerchange request is signed and we receive it in Good Order, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, even if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is not living when we process the change request. We reserve the right to suspend or postpone payments from the Separate Account for a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at withdrawal or transfer for any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.period when:

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date the notice is signed by the Owner, subject to any action We receive the written notice in a form satisfactory to Us at Our Annuity Service Centerhave taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required DocumentationDocumentation we will calculate the death benefit, We and we will pay the Death Benefit death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. AS-993 (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven [thirty (30)] days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by entitled to receive the Owner. While Death Benefit if the Owner is living and Annuitant dies before the Annuity Payout Date, or any remaining annuity payments, in accordance with the Owner terms and provisions of this contract. You may name Beneficiaries and Contingent Beneficiaries at the time you apply for this contract. You may change Beneficiaries or Contingent Beneficiaries by providing Notice to us. Unless otherwise specified in writing at the time you apply for this contract or in a later Notice, beneficiary designations are revocable and you may change them during the lifetime of the Annuitant. Any new choice of Beneficiary by written noticewill automatically revoke any prior choice of Beneficiary. A Any new choice of Contingent Beneficiary will automatically revoke any prior choice of Contingent Beneficiary. Any irrevocable beneficiary designation may be changed only with the consent of such Irrevocable Beneficiary. The consent of any Irrevocable Beneficiary will also be required for any assignment, surrender, withdrawal, change of Annuity Payout Date or Annuity Option, or other changes to this contract. We will not allow a change in Beneficiary will take effect on or Contingent Beneficiary that, in our sole opinion, could result in the date We receive transfer of any rights or benefits payable under this contract to a person, entity, or trust that does not have an insurable interest in the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions life of the death benefit according Annuitant at the time of the requested change of Beneficiary or Contingent Beneficiary. Subject to the options listed terms and provisions of this contract, we will pay an equal portion of benefits to each Beneficiary unless you direct otherwise. A Contingent Beneficiary will only receive benefits payable under DEATH OF OWNER BEFORE THE ANNUITY DATEthis contract if there is no surviving Beneficiary. If Where applicable, a Secondary Contingent Beneficiary will only receive benefits payable under this contract if there is no surviving Beneficiary or Contingent Beneficiary. In the Annuitant event that an Owner, who is a natural person, survives the OwnerAnnuitant, and there are no surviving Beneficiaries, the Annuitant such Owner will be deemed the Beneficiary. Joint OwnersUnder such circumstances, if applicable, shall the designated Beneficiary will be each other's primary deemed the Contingent Beneficiary and the designated Contingent Beneficiary will be deemed the Secondary Contingent Beneficiary. Joint Annuitants, if any, when the Owner is The rights of a non-natural personsurviving beneficiary will pass to surviving beneficiaries of the same class unless otherwise specified in writing at the time you apply for this contract or in a later Notice. If a beneficiary is a trustee, shall we will neither be each otherresponsible for verifying a trustee's primary Beneficiaryright to receive any benefits payable under this contract, nor for how the trustee disposes of any benefits. Any other Beneficiary designation If before payment of any benefits, we receive Notice that the trust has been revoked or is not in effect, then the trustee will be treated as deemed a contingent Beneficiarynon-surviving beneficiary. If the Owner there is also the Annuitant and there are no surviving BeneficiariesBeneficiary, upon Our receipt of all Required DocumentationContingent Beneficiary, We or, where applicable, Secondary Contingent Beneficiary, benefits will pay the Death Benefit be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Datelast surviving Owner's estate.

Beneficiary. The Beneficiary is selected by the Owner. While (a) the Owner is living living; and (b) before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory of change was signed. Such change, however, will not apply to any payment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation designated will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving BeneficiariesBeneficiaries at the death of the Owner, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin). The date provided by the Owner to Us at the time of application is shown on the Data Page as the Specified Annuity Date. You The Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least two years after the Contract Date is shown on Date, but not beyond the later of the Owner’s 95th birthday or ten years after the Contract Date PageDate. The Annuity Date must not be beyond If the Latest Annuity Date shown on Owner is a non-natural person, the latest annuity date is the later of the Annuitant’s 95th birthday or ten years after the Contract Data PageDate. If no Annuity Date is specified by Youspecified, the Annuity Date will be the Latest latest Annuity Date, as set by the Company.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, Contract those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, Beneficiaries upon Our receipt of all Required Documentation, We Documentation we will pay calculate the Death Benefit and it will be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least two years after the Contract Date is shown on Date, but not beyond the later of the Owner's [90th birthday or ten years after the Contract Date PageDate] ("Latest Annuity Date"). The Annuity Date must not be beyond If the Owner is a non-natural person, the Latest Annuity Date shown on is the later of the Annuitant's [90th birthday or ten years after the Contract Data PageDate]). If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, Contract those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date with no surviving Beneficiaries, then upon Our receipt of all Required Documentation, Documentation We will calculate the death benefit and we will pay the Death Benefit death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least one year after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.FS-975 (7/04) 14

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary beneficiary is selected named by you in the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect application to receive their respective portions of the death benefit according proceeds. The interest of any beneficiary will be subject to any assignment. You may make a change of beneficiary by Written Request on a form provided by us while the Insured is living. The change will take place as of the date the request is signed. Any rights created by the change will be subject to any payments made or actions taken by us before the Written Request is received. You may designate a permanent beneficiary whose rights under the policy cannot be changed without his or her consent. The interest of a beneficiary who does not survive to receive payment will pass to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATEsurviving beneficiaries in proportion to their share in the proceeds, unless otherwise provided. If no beneficiaries survive to receive payment, the Annuitant survives death proceeds will pass to the Owner, and there are no surviving Beneficiaries, or the Annuitant Owner's estate if the Owner does not survive to receive payment. PREMIUMS PREMIUMS - This policy will not be deemed in force until the Beneficiaryinitial premium is paid. Joint Owners, if applicable, shall be each other's primary BeneficiaryThe initial premium is payable either at our Home Office or to our agent. Joint AnnuitantsAdditional premiums, if any, when are payable at our Home Office. At your request, a premium receipt signed by one of our officers will be given to you. No premium may be less than $50. Premiums may be paid at any time before the Owner Insured attains Age 100, subject to the premium limitations below. [INSERT FOR RETURN OF PREMIUM STATES ONLY: PREMIUM ALLOCATION, BEFORE THE FREE LOOK TRANSFER DATE - Any Net Premium received before the Free Look Transfer Date will be allocated to the Money Market Variable Account on the issue date or, if later, the date the premium is a non-natural personreceived and accepted by us. On the Free Look Transfer Date, shall the Accumulated Value in the Money Market Variable Account will be each other's primary Beneficiaryallocated to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any. PREMIUM ALLOCATION, ON OR AFTER THE FREE LOOK TRANSFER DATE - Any Net Premium received by us on or after the Free Look Transfer Date will be allocated to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any.] [INSERT FOR CASH VALUE STATES ONLY: PREMIUM ALLOCATION - Allocation of the initial Net Premium will be done on the issue date or, if later, the date the premium is received and accepted by us. Any other Beneficiary designation Net Premiums received before your policy has been placed in force, due to the presence of outstanding requirements, will be allocated to the Money Market Variable Account until the requirements are satisfied. At such time, the Accumulated Value in the Money Market Variable Account will be transferred to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any. Net Premiums received after your policy has been placed in force will be allocated to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any.] Upon Written Request, you may change the premium allocation. Subsequently, Net Premiums will be allocated to the Investment Options according to your most recent instructions. PREMIUM LIMITATION - We reserve the right to require evidence of insurability, satisfactory to us, for any premium payment that would result in an immediate increase in the difference between the death benefit and the Accumulated Value. GUIDELINE PREMIUM LIMITATION - This subsection applies only if you have elected the Guideline Premium Test as the Death Benefit Qualification Test. In order for this policy to be treated as life insurance under the Code, the sum of the premiums paid less a contingent Beneficiaryportion of any withdrawals, as defined in the Code, may not exceed the greater of: . If The Guideline Single Premium; or . The sum of the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit Guideline Level Premiums to the estate date of payment. The amounts of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is Guideline Premiums are shown on the Contract Date PagePolicy Specification pages. The Annuity Date must not Guideline Premiums will change whenever there is a change in the Face Amount of insurance or in other policy benefits. Such Guideline Premium change will be beyond shown in the Latest Annuity Date shown on supplemental schedule of benefits and premiums. The Guideline Premiums are determined according to the Contract Data Pagerules applicable to this policy set forth in the Code. If no Annuity Date is specified by YouThe Guideline Premiums will be adjusted to conform to any changes in the Code. In the event that a premium payment would exceed these limits, we reserve the right to refund the excess payment to the Owner. Further, we reserve the right to make distributions from the policy to the extent we deem it necessary to continue to qualify this policy as life insurance under the Code. MODIFIED ENDOWMENT CONTRACT (MEC) PREMIUN LIMITATION - In order for this policy to avoid being treated as a MEC, the Annuity Date will sum of premiums paid less a portion of any withdrawals may not exceed the 7-Pay limit as defined in the Code. In the event that a premium payment would exceed the 7-Pay limit, we reserve the right to refund the excess payment to you, unless you have previously notified us in writing that such payments may be accepted by us and applied to the Latest Annuity Date.policy. DEATH BENEFIT

Beneficiary. The Beneficiary beneficiary is selected named by you in the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect application to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATEproceeds. The beneficiary may be one or more persons. If the Annuitant beneficiary is more than one person, they will share the death benefit proceeds equally or as you may otherwise specify by Written Request. The interest of any beneficiary will be subject to any assignment. If you have named a contingent beneficiary, that person becomes the beneficiary if the beneficiary dies before the Survivor. A beneficiary may not, at or after the Survivor's death, assign, transfer or encumber any benefit payable. To the extent allowed by law, policy benefits will not be subject to the claims of any creditor of any beneficiary. You may make a change of beneficiary by Written Request on a form provided by us while at least one Insured is living. The change will take place as of the date the request is signed, subject to our receipt of the request. Any rights created by the change will be subject to any payments made or actions taken by us before the Written Request is received. You may designate a permanent beneficiary whose rights under the policy cannot be changed without his or her written consent. The interest of a beneficiary who does not survive to receive payment will pass to any surviving beneficiaries in proportion to their share in the proceeds, unless otherwise provided. If no beneficiary is named by you, or if none survives to receive payment, the death proceeds will pass to the Owner, and there are no surviving Beneficiaries, or the Annuitant Owner's estate if the Owner does not survive to receive payment. PREMIUMS Premiums - This policy will not be deemed in force until the Beneficiaryinitial premium is paid. Joint Owners, if applicable, shall be each other's primary BeneficiaryThe initial premium is payable either at our Home Office or to our agent. Joint AnnuitantsAdditional premiums, if any, when the Owner is are payable in advance at our Home Office. At your request, a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation premium receipt signed by one of our officers will be treated as a contingent Beneficiarygiven to you. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATENo premium may be less than $50. ANNUITY PROVISIONS ANNUITY DATE You Premiums may specify an anticipated Annuity Date. You may change the Annuity Date be paid at any time, at least seven days prior subject to the Annuity Date, premium limitations below. Planned Premium - is the amount of premium you plan to pay. It is shown in the Policy Specifications and may be changed by written notice to Us at Our Annuity Service CenterWritten Request. The Annuity Date must always be the first day Payment of the calendar monthPlanned Premium does not guarantee that the policy will continue in force. The Earliest Annuity Date After Premium Allocation - Allocation of the Contract Date is shown initial Net Premium will be done on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by Youissue date or, if later, the Annuity Date date the premium is received and accepted by us. Any Net Premiums received before your policy has been placed in force, due to the presence of outstanding requirements, will be allocated to the Latest Annuity DateMoney Market Variable Account until the requirements are satisfied. At such time, the Accumulated Value in the Money Market Variable Account will be transferred to the Investment Options according to the premium allocation specified in the application or your most recent allocation instructions received by us, if any. Net Premiums received after your policy has been placed in force will be allocated to the Investment Options according to the premium allocation specified in the application or your most recent allocation instructions received by us, if any. Upon Written Request, you may change the premium allocation. Subsequently, Net Premiums will be allocated to the Investment Options according to your most recent allocation instructions. Premium Limitation - We will not accept premiums after Age 100 of the younger Insured, although you may make a loan repayment at any time. We reserve the right to require Evidence of Insurability, satisfactory to us, for any unscheduled premium payment that would result in an immediate increase in the difference between the death benefit and the Accumulated Value.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. FS-993 (12/10) ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, Beneficiaries upon Our receipt of all Required Documentation, Documentation We will pay the Death Benefit to the estate of the Owner in accordance with option 1, 1 under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity DateDate on the Application as shown on the Contract Data Page. You may change the Annuity Date at any time, time at least seven days prior to before the Annuity Date, by written notice to the Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least two years after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. FS-993-PPS7 (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Designated Beneficiary is selected will remain in effect until changed by the Contract Owner. While Changes in the Owner is living Designated Beneficiary may be made during the lifetime of the Annuitant by written notice to the Company. If the Designated Beneficiary has been designated irrevocably, however, such designation cannot be changed or revoked without such Beneficiary's written consent. Upon receipt of such notice and before written consent, if required, at the Annuity Dateoffices of the Company, the Owner may change the Beneficiary by written notice. A change in Beneficiary new designation will take effect on as of the date We receive of the written notice in a form satisfactory is signed, whether or not the Annuitant or Participant is alive at the time of receipt of such notice. The change will be subject to Us at Our Annuity Service Center. If two any payments made or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified other action taken by the Owner and each must elect to receive their respective portions Company before the receipt of the notice. In the event of the death benefit according to of the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATEAnnuitant when there is no surviving Contingent Annuitant the Beneficiary will be as follows. If the Annuitant survives is a joint Contract Owner and the death of the Annuitant occurs prior to the Annuity Commencement Date, the Beneficiary shall be the surviving Contract Owner, and there are no surviving Beneficiariesnotwithstanding that the Designated Beneficiary may be different. Otherwise, the Annuitant Beneficiary will be deemed the BeneficiaryDesignated Beneficiary then in effect. Joint OwnersIf there is no Designated Beneficiary in effect or if the Designated Beneficiary is no longer living, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Contract Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent the Beneficiary. If the Annuitant is the sole Contract Owner is also the Annuitant and there are is no surviving BeneficiariesDesignated Beneficiary in effect, upon Our receipt of all Required Documentation, We the Annuitant's estate will pay be the Death Benefit to Beneficiary. In the estate event of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change death of the Annuity Date at any time, at least seven days Contract owner prior to the Annuity Commencement Date, by written notice to Us at Our Annuity Service Centerthe Beneficiary will be as follows. The Annuity Date must always Upon the death of the joint Contract Owner, the Beneficiary will be the first day of surviving joint Contract Owner, not withstanding that the calendar monthDesignated Beneficiary may be different. The Earliest Annuity Date After If the Contract Date is shown on Owner was the sole Contract Date Page. The Annuity Date must not Owner, the Beneficiary shall be beyond the Latest Annuity Date shown on the Contract Data PageDesignated Beneficiary then in effect. If no Annuity Date Beneficiary designation is specified by Youin effect or if the Designated Beneficiary has predeceased the Contract Owner, the Annuity Date Contract Owner's estate will be the Latest Beneficiary. At the first death of a joint Contract Owner prior to the Annuity Commencement Date, the Beneficiary shall be the surviving Contract Owner not withstanding that the Designated Beneficiary may be different. Form HL-12150 Printed in U.S.A. GENERAL PROVISIONS THE CONTRACT This contract constitutes the entire contract. MINIMUM VALUE STATEMENT Any values available under the Termination or Surrender Provisions of this contract equal or exceed those required by the state in which the contract is delivered.

Beneficiary. The If there is no surviving Joint Certificate Owner, or if the Annuitant is someone other than a Certificate Owner, the Beneficiary is selected by the person who will receive benefits under the Certificate Agreement if the Annuitant dies prior to the Annuitization Date. If a Certificate Owner who is also the Annuitant dies before the Annuitization Date and there is a surviving Joint Certificate Owner, all benefits under the Certificate Agreement are payable to the surviving Joint Certificate Owner. While If more than one Beneficiary survives the Owner is living and before the Annuity DateAnnuitant, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner each will share equally unless otherwise specified by in the beneficiary designation. If there is no surviving Joint Certificate Owner and no Beneficiary survives the Annuitant, all rights and interest of such parties will vest in the Contingent Beneficiary, and if more than one Contingent Beneficiary survives, each must elect to receive their respective portions will share equally unless otherwise specified in the Contingent Beneficiary designation. If no Contingent Beneficiary survives the Annuitant, all rights and interest of the death benefit according to Certificate Agreement will vest with the options listed under DEATH last surviving Certificate Owner's estate. CHANGES OF OWNER BEFORE PARTIES NAMED IN THE ANNUITY DATE. If CERTIFICATE AGREEMENT Notwithstanding any other provisions in the Annuitant survives the OwnerCertificate Agreement, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Annuitization Date, and subject to any existing assignments, the Certificate Owner may request a change in the Certificate Owner, Contingent Certificate Owner, Joint Certificate Owner, Annuitant, Contingent Annuitant, Beneficiary, or Contingent Beneficiary. Such change, upon receipt and recording by the Company at its Home Office, will take effect as of the time the written notice was signed, whether or not the Certificate Owner or Annuitant are living at the time of record, but without further liability as to Us any payment or settlement made by the Company before receipt of such change is recorded at Our Annuity Service Centerthe Home Office. The Annuity Date Any request for change of Certificate Owner must always be recorded at the first day of Home Office, may require a signature guarantee, and must be signed by the calendar month. The Earliest Annuity Date After Certificate Owner and the Contract Date is shown on person designated as the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Datenew Certificate Owner.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticeWritten Notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service CenterWritten Notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit Death Benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. Joint Owners, if applicable, shall be each other’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be Table of Contents each other’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a trust or other non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service CenterWritten Notice. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, Contract those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay calculate the Death Benefit and it will be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate (the date on which the annuity payments are to begin) at the time of application. You The Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After at least two years after the Contract Date is shown on the Contract Date Page. The Annuity Date must or less as required in your state, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, Contract those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, Beneficiaries upon Our receipt of all Required Documentation, Documentation We will pay calculate the Death Benefit and it will be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least two years after the Contract Date is shown on Date, but not beyond the later of the Owner's [95th birthday or ten years after the Contract Date PageDate] ("Latest Annuity Date"). The Annuity Date must not be beyond If the Owner is a non-natural person, the Latest Annuity Date shown on is the later of the Annuitant's [95th birthday or ten years after the Contract Data PageDate]). If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless FS-993-PPS9 (12/10) 15 otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE FS-993 (12/10) 15 You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written Written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service CenterWritten notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit Death Benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. Joint Owners, if applicable, shall be each other’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a trust or other non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service CenterWritten notice. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Data Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date the notice is signed by the Owner, subject to any action We receive the written notice in a form satisfactory to Us at Our Annuity Service Centerhave taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required DocumentationDocumentation we will calculate the death benefit, We and we will pay the Death Benefit death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory is signed by the Owner, subject to Us at Our Annuity Service Centerany action we have taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Table of Contents Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required Documentation, Documentation We will pay the Death Benefit death benefit, and We will pay the death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity DateDate on the Application as shown on the Contract Data Page. You may change the Annuity Date at any time, time at least seven days prior before to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the OwnerParticipant. While (a) the Owner Participant is living living; and (b) before the Annuity Date, the Owner Participant may change the Beneficiary by written noticenotice in a form satisfactory to Us. A The change in Beneficiary will take effect on the date We receive record the written proper notice in a form satisfactory subject to Us at Our Annuity Service Centerany payments We have made. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner Participant will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the OwnerParticipant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint OwnersParticipants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner Participant is also the Annuitant and there are no surviving BeneficiariesBeneficiaries at the death of the Participant, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner Participant in accordance with option 1, under DEATH OF OWNER PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Participant selects an anticipated Annuity DateDate (the date on which annuity payments are to begin) at the time of application. You The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar monthmonth and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. The Earliest If the Participant is a non-natural person, the latest Annuity Date After is the Contract Date is shown on later of the Contract Date Page. The Annuity Date must not be beyond Annuitant's 90th birthday or ten years after the Latest Annuity Date shown on the Contract Data PageCertificate Date. If no Annuity Date is specified by Youselected, the Annuity Date will be the Latest latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Certificate less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Certificate Value allocated to Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory is signed by the Owner, subject to Us at Our Annuity Service Centerany action we have taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required Documentation, Documentation We will pay the Death Benefit death benefit, and We will pay the death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. 14 FS-982 (6/07) ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity DateDate on the Application as shown on the Contract Data Page. You may change the Annuity Date at any time, time at least seven days prior before to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date.. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each fixed annuity payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuitization, less any applicable premium taxes, to the annuity table applicable to the fixed annuity payment option chosen. In no event will the Fixed Annuitization be changed once it begins. AMOUNT OF VARIABLE ANNUITY PAYMENTS

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, Beneficiaries upon Our receipt of all Required Documentation, Documentation We will pay the Death Benefit to the estate of the Owner in accordance with option 1, 1 under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity DateDate on the Application as shown on the Contract Data Page. You may change the Annuity Date at any time, time at least seven days prior to before the Annuity Date, by written notice to the Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least two years after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date.. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. AS-981 (5/06) AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each fixed annuity payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuitization, less any applicable premium taxes, to the annuity table applicable to the fixed annuity payment option chosen. In no event will the Fixed Annuitization be changed once it begins. AMOUNT OF VARIABLE ANNUITY PAYMENTS

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice notice, in a form satisfactory to Us Us, at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit FS-998 (6/11) 15 according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While (a) the Owner is living living; and (b) before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A The change in Beneficiary will take effect on the date We receive record the written proper notice in a form satisfactory subject to Us at Our Annuity Service Centerany payments We have made. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation designated on the Application Form will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving BeneficiariesBeneficiaries at the death of the Owner, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner selects an anticipated Annuity DateDate (the date on which annuity payments are to begin) at the time of application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least two years after the Contract Date is shown on Date, but not beyond the later of the Owner's 90th birthday or ten years after the Contract Date PageDate. The Annuity Date must not be beyond If the Latest Annuity Date shown on Owner is a non-natural person, the latest annuity date is the later of the Annuitant's 90th birthday or ten years after the Contract Data PageDate. If no Annuity Date is specified by Youselected, the Annuity Date will be the Latest latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables in the Contract. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Contract Value allocated to Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen.

Beneficiary. The Beneficiary is selected by the Owner. While (a) the Owner is living living; and (b) before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A The change in Beneficiary will take effect on the date We receive record the written proper notice in a form satisfactory subject to Us at Our Annuity Service Centerany payments We have made. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving BeneficiariesBeneficiaries at the death of the Owner, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner selects an anticipated Annuity DateDate (the date on which annuity payments are to begin) at the time of application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar monthmonth and must be at least two years after the Contract Date, but not beyond the later of the Owner's 90th birthday or ten years after the Contract Date. The Earliest If the Owner is a non-natural person, the latest Annuity Date After is the later of the Annuitant's 90th birthday or ten years after the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youselected, the Annuity Date will be the Latest latest Annuity Date., as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. FS-993-PPS7 (12/10) 15 If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the OwnerParticipant. While the Owner Participant is living and before the Annuity Date, the Owner Participant may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the ContractCertificate, those surviving the Owner Participant will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the OwnerParticipant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint OwnersParticipants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner Participant is also the Annuitant and there are no surviving Beneficiaries, Beneficiaries upon Our receipt of all Required Documentation, We will pay calculate the Death Benefit and it will be paid to the estate of the Owner Participant in accordance with option 1, under DEATH OF OWNER PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Participant specifies an anticipated Annuity DateDate on the Enrollment Form. You The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar monthmonth and must be at least two years after the Certificate Date, but not beyond the later of the Participant's [90th birthday or ten years after the Certificate Date] ("Latest Annuity Date"). The Earliest Annuity Date After If the Contract Date Participant is shown on the Contract Date Page. The Annuity Date must not be beyond a non-natural person, the Latest Annuity Date shown on is the Contract Data Pagelater of the Annuitant's [90th birthday or ten years after the Certificate Date]. If no Annuity Date is specified by Youon the Enrollment Form, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory is signed by the Owner, subject to Us at Our Annuity Service Centerany action we have taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required Documentation, Documentation We will pay the Death Benefit death benefit, and We will pay the death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity DateDate on the Application as shown on the Contract Data Page. You may change the Annuity Date at any time, time at least seven days prior before to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE FS-993-PPIII (12/10) 15 You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required DocumentationDocumentation we will calculate the death benefit, We and we will pay the Death Benefit death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least two years after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is selected by the Owner. While (a) the Owner is living living; and (b) before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A The change in Beneficiary will take effect on the date We receive record the written proper notice in a form satisfactory subject to Us at Our Annuity Service Centerany payments We have made. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to receive their respective 18 portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving BeneficiariesBeneficiaries at the death of the Owner, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner selects an anticipated Annuity DateDate (the date on which annuity payments are to begin) at the time of application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar monthmonth and must be at least two years after the Contract Date, but not beyond the later of the Owner's 90th birthday or ten years after the Contract Date. The Earliest If the Owner is a non-natural person, the latest Annuity Date After is the later of the Annuitant's 90th birthday or ten years after the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youselected, the Annuity Date will be the Latest latest Annuity Date., as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Contract Value allocated to Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. AMOUNT OF VARIABLE ANNUITY PAYMENTS

Beneficiary. The Beneficiary is selected by the Owner. While (a) the Owner is living living; and (b) before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory of change was signed. Such change, however, will not apply to any payment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation designated will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving BeneficiariesBeneficiaries upon death of the Owner, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner in accordance with option 1, 1 under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin). The date provided by the Owner to Us at the time of application is shown on the Contract Data Page as the Specified Annuity Date. You The Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar monthmonth and must be at least two years after the Contract Date, but not beyond the later of the Owner's 95th birthday or ten years after the Contract Date. The Earliest If the Owner is a non-natural person, the latest Annuity Date After is the later of the Annuitant's 95th birthday or ten years after the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youspecified, the Annuity Date will be the Latest Annuity Date., as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables in the Contract. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Contract Value allocated to Fixed Account Options less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. AMOUNT OF VARIABLE ANNUITY PAYMENTS

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date the notice is signed by the Owner, subject to any action We receive the written notice in a form satisfactory to Us at Our Annuity Service Centerhave taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required DocumentationDocumentation we will calculate the death benefit, We and we will pay the Death Benefit death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. FS-973-1 (6/07) 13 ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is selected by the OwnerParticipant. While (a) the Owner Participant is living living; and (b) before the Annuity Date, the Owner Participant may change the Beneficiary by written noticenotice in a form satisfactory to Us. A The change in Beneficiary will take effect on the date We receive record the written proper notice in a form satisfactory subject to Us at Our Annuity Service Centerany payments We have made. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner Participant will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to 18 receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the OwnerParticipant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint OwnersParticipants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner Participant is also the Annuitant and there are no surviving BeneficiariesBeneficiaries at the death of the Participant, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner Participant in accordance with option 1, under DEATH OF OWNER PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Participant selects an anticipated Annuity DateDate (the date on which annuity payments are to begin) at the time of application. You The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar monthmonth and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. The Earliest If the Participant is a non-natural person, the latest Annuity Date After is the Contract Date is shown on later of the Contract Date Page. The Annuity Date must not be beyond Annuitant's 90th birthday or ten years after the Latest Annuity Date shown on the Contract Data PageCertificate Date. If no Annuity Date is specified by Youselected, the Annuity Date will be the Latest latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Certificate less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Certificate Value allocated to Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen.

Beneficiary. The Beneficiary is selected by the Owner. While (a) the Owner is living living; and (b) before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory of change was signed. Such change, however, will not apply to any payment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contractnamed, (a) those surviving the Owner will share equally unless otherwise specified by stated; and (b) the Owner and each Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation designated on the Application will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving BeneficiariesBeneficiaries at the death of the Owner, upon Our receipt of all Required Documentation, We the death benefit will pay the Death Benefit be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin). The date provided by the Owner to Us at the time of application is shown on the Contract Data Page as the Specified Annuity Date. You The Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar monthmonth and must be at least two years after the Contract Date, but not beyond the later of the Owner's 90th birthday or ten years after the Contract Date. The Earliest If the Owner is a non-natural person, the latest Annuity Date After is the later of the Annuitant's 90th birthday or ten years after the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youspecified, the Annuity Date will be the Latest latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates as specified under the BASIS OF COMPUTATION FOR FIXED ANNUITY PAYMENTS. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. BASIS OF COMPUTATION FOR FIXED ANNUITY PAYMENTS The actuarial basis for the Table of Annuity Rates is the 1983a Individual Annuity Mortality Table with projection and a guaranteed interest rate of 3%. The mortality table is projected using Projection Scale G factors. The Fixed Annuity Payment Options Table does not include any applicable premium tax.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. FS-993-PPS4 (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The designated Beneficiary will remain in effect until You change it. Changes in the designated Beneficiary may be made during the lifetime of the Annuitant by written notice to the Administrative Office of the Company. If the designated Beneficiary has been designated irrevocably, however, such designation cannot be changed or revoked without such Beneficiary’s written consent. Upon receipt of such notice and written consent, if required by Us, the new designation will take effect as of the date the notice is selected by signed, whether or not the Owner. While the Annuitant or Contract Owner is living and alive at the time of receipt of such notice. Any payments made or other action taken by Us before the receipt of the notice will not be subject to the requested change. If the Contract Owner dies before the Annuity Commencement Date, any surviving joint Contract Owner will become the Owner may change Beneficiary. If there is no surviving joint Contract Owner, the designated Beneficiary will be the Beneficiary. If no Beneficiary designation is in effect or if the Beneficiary by written notice. A change in Beneficiary has predeceased the Contract Owner, the Contract Owner’s estate will take effect on be the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATEBeneficiary. If the Annuitant survives dies before the Owner, and there are no surviving BeneficiariesAnnuity Commencement Date, the Contingent Annuitant will become the Annuitant. If either: (a) there is no Contingent Annuitant, (b) the Contingent Annuitant predeceases the Annuitant, or (c) if any sole Contract Owner dies before the Annuity Commencement Date, the Beneficiary as determined under the Contract Control Provisions, will receive the Death Benefit as determined on the date written notification of Due Proof of Death is received at the Administrative Office of the Company. However, if the Annuitant dies prior to the annuity Commencement Date and the Contract Owner is living, the Contract Owner shall be deemed the Beneficiary. Joint OwnersIn that case, if applicable, the rights of the designated Beneficiary shall be each other's primary Beneficiaryvoided. Joint AnnuitantsIf the Contract Owner’s spouse is a Beneficiary and the Annuitant is living, the spouse may elect, in lieu of receiving the Contract Value, to be treated as the Contract owner. NCDSC98-6/7 Page 7 Printed in U.S.A. P547R2.FRM PROVISIONS This contract and the endorsements or riders, if any, when constitute the Owner entire contract. The contract is a non-natural personintended to qualify as an annuity contract for Federal tax purposes. To that end, shall be each other's primary Beneficiary. Any the provisions of the contract are interpreted and administered to insure and maintain such tax qualification, notwithstanding any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit provisions to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Datecontrary.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date the notice is signed by the Owner, subject to any action We receive the written notice in a form satisfactory to Us at Our Annuity Service Centerhave taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required Documentation, Documentation We will pay the Death Benefit death benefit, and We will pay the death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity DateDate on the Application as shown on the Contract Data Page. You may change the Annuity Date at any time, time at least seven days prior before to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date the notice is signed by the Owner, subject to any action We receive the written notice in a form satisfactory to Us at Our Annuity Service Centerhave taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, Contract those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay calculate the Death Benefit and it will be paid to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate (the date on which the annuity payments are to begin) at the time of application. You The Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request signed by You filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts. FIXED ANNUITIZATION If a Fixed Annuitization has been elected, the Contract Value less any applicable premium taxes shall be applied to the payment of the fixed annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables in the Contract. In no event will the Fixed Annuitization be changed once it begins. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each fixed annuity payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuitization, less any applicable premium taxes, to the annuity table applicable to the fixed annuity payment option chosen.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. FS-993-PPS9 (12/10) Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date the notice is signed by the Owner, subject to any action We receive the written notice in a form satisfactory to Us at Our Annuity Service Centerhave taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required DocumentationDocumentation we will calculate the death benefit, We and we will pay the Death Benefit death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. FS-973 (6/07) 13 ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary beneficiary is selected named by you in the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect application to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATEproceeds. The beneficiary may be one or more persons. If the Annuitant beneficiary is more than one person, they will share the death benefit proceeds equally or as you may otherwise specify by Written Request. The interest of any beneficiary will be subject to any assignment. If you have named a contingent beneficiary, that person becomes the beneficiary if the beneficiary dies before the Survivor. A beneficiary may not, at or after the Survivor's death, assign, transfer or encumber any benefit payable. To the extent allowed by law, policy benefits will not be subject to the claims of any creditor of any beneficiary. You may make a change of beneficiary by Written Request on a form provided by us while at least one Insured is living. The change will take place as of the date the request is signed, subject to our receipt of the request. Any rights created by the change will be subject to any payments made or actions taken by us before the Written Request is received. You may designate a permanent beneficiary whose rights under the policy cannot be changed without his or her written consent. The interest of a beneficiary who does not survive to receive payment will pass to any surviving beneficiaries in proportion to their share in the proceeds, unless otherwise provided. If no beneficiary is named by you, or if none survives to receive payment, the death benefit proceeds will pass to the Owner, and there are no surviving Beneficiaries, or the Annuitant Owner's estate if the Owner does not survive to receive payment. PREMIUMS Premiums - This policy will not be deemed in force until the Beneficiaryinitial premium is paid. Joint Owners, if applicable, shall be each other's primary BeneficiaryThe initial premium is payable either at our Home Office or to our agent. Joint AnnuitantsAdditional premiums, if any, when the Owner is are payable in advance at our Home Office. At your request, a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation premium receipt signed by one of our officers will be treated as a contingent Beneficiarygiven to you. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATENo premium may be less than $50. ANNUITY PROVISIONS ANNUITY DATE You Premiums may specify an anticipated Annuity Date. You may change the Annuity Date be paid at any time, at least seven days prior subject to the Annuity Date, premium limitations below. Planned Premium - is the amount of premium you plan to pay. It is shown in the Policy Specifications and may be changed by written notice to Us at Our Annuity Service CenterWritten Request. The Annuity Date must always be the first day Payment of the calendar monthPlanned Premium does not guarantee that the policy will continue in force. The Earliest Annuity Date After Premium Allocation - Allocation of the Contract Date is shown initial Net Premium will be done on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by Youissue date or, if later, the Annuity Date date the premium is received and accepted by us. Any Net Premiums received before your policy has been placed in force, due to the presence of outstanding requirements, will be allocated to the Latest Annuity DateMoney Market Variable Account until the requirements are satisfied. At such time, the Accumulated Value in the Money Market Variable Account will be transferred to the Investment Options according to the premium allocation specified in the application or your most recent allocation instructions received by us, if any. Net Premiums received after your policy has been placed in force will be allocated to the Investment Options according to the premium allocation specified in the application or your most recent allocation instructions received by us, if any. Upon Written Request, you may change the premium allocation. Subsequently, Net Premiums will be allocated to the Investment Options according to your most recent allocation instructions. Premium Limitation - We will not accept premiums after Age 100 of the younger Insured, although you may make a loan repayment at any time. We reserve the right to require Evidence of Insurability, satisfactory to us, for any unscheduled premium payment that would result in an immediate increase in the difference between the death benefit and the Accumulated Value.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written noticenotice in a form satisfactory to Us. A change in Beneficiary will take effect on the date the notice is signed by the Owner, subject to any action We receive the written notice in a form satisfactory to Us at Our Annuity Service Centerhave taken before receipt of such notice. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner stated; and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries, upon Our receipt of all Required DocumentationDocumentation we will calculate the death benefit, We and we will pay the Death Benefit death benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. FS-973-2 (6/07) 13 ANNUITY PROVISIONS ANNUITY DATE You may specify The Owner specifies an anticipated Annuity DateDate on the Application. You The Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us the Company at Our its Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After month and must be at least thirteen (13) months after the Contract Date is shown on the Contract Date Page. The Annuity Date must Date, but not be beyond the Latest Annuity Date shown on the Contract Data PageDate. If no Annuity Date is specified by Youon the Application, the Annuity Date will be the Latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date, the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the Owner will share equally unless otherwise specified by the Owner and each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Owners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE FS-993-PPS4 (12/10) 15 You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the Annuity Date will be the Latest Annuity Date.