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 Owner will give Equitable the name of the beneficiary who is selected by to receive any death benefit payable on the OwnerAnnuitant's death. While The Owner may change the beneficiary from time to time during the Annuitant's lifetime and while coverage under this Contract is in force. Any such change must be made in writing in a form Equitable accepts. A change will, upon receipt at the Processing Office, take effect as of the date the written form is executed, whether or not 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 of receipt. Equitable will not be liable as to any payments it made before it receives any such change. The Owner may name one or more persons to be primary beneficiary on the written notice in a form satisfactory Annuitant's death and one or more persons to Us at Our Annuity Service Centerbe successor beneficiary if the primary beneficiary dies before the Annuitant. If Unless the Owner directs otherwise, if the Owner has named two or more persons are as beneficiary, the beneficiary will be the named person or persons who survive the Annuitant and payments will be made to such persons in equal shares or the survivor. Any part of a death benefit payable as Beneficiaries under described in Section 6.01 for which there is no named beneficiary living at the ContractAnnuitant's death will be payable in a single sum to the Annuitant's children who survive the Annuitant, those surviving in equal shares, or should none survive or should there be none, then to the Annuitant's estate. If the Owner will share equally unless so elects in writing, any amount that would otherwise specified be payable to a beneficiary in a single sum may be applied to provide an Annuity Benefit, on the form of annuity elected by the Owner, subject to Equitable's rules then in effect. If at the Annuitant's death there is no election in effect, the beneficiary may make such an election. In the absence of any election by either the Owner and each must elect to receive their respective portions of or the beneficiary, Equitable will pay the death benefit according in a single sum. The naming of a beneficiary is subject to the options listed under DEATH OF OWNER BEFORE THE ANNUITY DATE. If terms of the Annuitant survives the Owner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint OwnersPlan, if applicable, shall be each other's primary Beneficiaryincluding any terms requiring spousal consent. 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 PART VII 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.BENEFITS

Beneficiary. The Beneficiary is selected as designated on the Participant Enrollment Form unless later changed by the OwnerParticipant. While 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 Contract, named: (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 designated on the Participant Enrollment Form 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

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 An individual or non-individual entitled to the Death Benefit under this contract. If an Owner dies, any surviving Owner automatically becomes the sole Beneficiary and replaces any primary or contingent Beneficiary you previously named. Business Day Each day on which the New York Stock Exchange is selected by open for trading. Our Business Day closes when regular trading on the OwnerNew York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time. While We process any instructions received after the Owner close of any Business Day on the next Business Day. L40538-NY03 4 Definitions continued from the previous page Buffer A Buffer is living and before the Annuity maximum negative Index Return that we will absorb. On the Issue Date, we declare a Buffer for each Index Option, and the Owner may change the Beneficiary by written noticeBuffers will not change. A change in Beneficiary will take effect The Buffers are shown on the date We receive Allocation Options Contract Schedule. Cap A Cap is the written notice in maximum positive Performance Credit for an Index Option. On each Term Start Date, we declare 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 OwnersCap, if applicable, shall for each Index Option or that an Index Performance Strategy Index Option with a Term longer than one Index Year is uncapped and guarantee them for the Term. If we declare that an Index Option does not have a cap, there is no limit on the positive Performance Credit on the Term End Date. Caps are shown on your Index Options statement each year and will never be each other's primary Beneficiaryless than the Minimum Cap shown on the Allocation Options Contract Schedule. Joint Annuitants• Contract Anniversary A twelve-month anniversary of the Issue Date or any subsequent twelve-month Contract Anniversary. Contract Value The Variable Account Value plus the Index Option Value(s). The Index Option Value(s) is the value(s) in a selected Index Option. Contract Year A period of 12 months. The first Contract Year begins on the Issue Date. Subsequent Contract Years begin on the Contract Anniversaries. Determining Life (Lives) The person(s) on whose life (lives) we base the Death Benefit. We determine the Determining Life (Lives) on the Issue Date. After we issue this contract, if anyyou cannot add, when remove or replace a Determining Life. • If this contract is solely owned, the Owner Determining Life is the Owner. • If this contract is owned by a non-natural personindividual, shall be each other's primary Beneficiarythe Determining Life is the Annuitant. Any other Beneficiary designation will be treated • If this contract is jointly owned, the Determining Lives are the joint Owners. If you remove a person as a contingent BeneficiaryJoint Owner due to divorce, that person no longer qualifies as a Determining Life and we remove him or her as such from this contract. If For jointly owned non-qualified contracts, if you establish a trust and change ownership to the trust, the prior Owner who is also not the Annuitant no longer qualifies as a Determining Life and there are no surviving Beneficiaries, upon Our receipt of all Required Documentation, We will pay the Death Benefit to the estate we remove him or her as such from this contract. Index Anniversary A twelve-month anniversary of the Owner in accordance with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATEIndex Effective Date or any subsequent twelve-month Index Anniversary. ANNUITY PROVISIONS ANNUITY DATE You may specify Index Availability Period The period of time between the Issue Date and when we can make an anticipated Annuity DateIndex Option temporarily unavailable. You may change the Annuity Index Effective 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 monthfirst Index Year. The Earliest Annuity Date After the Contract Index Effective Date is shown on your Index Options statement. Index Option Base The value used to determine the Contract Date Pagedollar amount of the Performance Credit. We establish an Index Option Base for each Index Option. L40538-NY03 5 Definitions continued from the previous page Index Option Value The Annuity Date must not be beyond value in a selected Index Option at the Latest Annuity Date end of the Business Day. We establish an Index Option Value for each Index Option shown on the Allocation Options Contract Data PageSchedule. If no Annuity Date is specified by You, Index Options The Index Options available to you are shown on the Annuity Date will be Allocation Options Contract Schedule. Index Value The value of an Index at the Latest Annuity end of the Business Day. Index Values are shown on your Index Options statement. Index Year A period of 12 months. The first Index Year begins on the Index Effective Date. Subsequent Index Years begin on the Index Anniversaries.

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 notice. A change designation 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 Pagewill remain in effect until changed. The Annuity Date Beneficiary is entitled to receive the benefits to be paid at the death of the last to die of the Owner or Joint Owner (or the first to die of the Owner or Joint Owner if the Owner and Joint Owner are not spouses at the time of the Owner's or Joint Owner's death) during the Accumulation Period. The Owner must not be beyond the Latest Annuity Date primary Beneficiary of the Joint Owner, and the Joint Owner must be the primary Beneficiary of the Owner. Other than primary Beneficiaries, Beneficiaries must be the same for both the Owner and Joint Owner. When a Beneficiary is designated, any relationship shown on 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 Pagepages, Contract endorsement or any change request that we have processed specifies otherwise: One who survives the last to die of the Owner and Joint Owner will have the right to be paid only if no one in a prior class survives the last to die of the Owner and Joint Owner. One who has the right to be paid will be the only one paid if no one else in the same class survives the last to die of the Owner and Joint Owner. Two or more in the same class who have the right to be paid will be paid in equal shares. If no Annuity Date one survives the sole Owner, we will pay in one sum to the Owner's estate. When there is specified by Youinsufficient evidence to determine the order of death then, unless state law prohibits, we will deem the Annuity Date will Owner to be the Latest Annuity Datelast survivor and make payment to the Owner's Beneficiary. Before we make a payment, we have the right to decide what 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 may also ask you to send us the Contract. The change will take effect only when we process the request. Then, any previous Beneficiary's interest will end as of the date we receive the request in Good Order, even if the Owner or Joint Owner is not living when we process the request. We will not be liable for any payment made or action taken before we record the change. SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT We reserve the right to suspend or postpone payments from the Separate Account for a withdrawal or transfer for any period when: the New York Stock Exchange is closed (other than customary weekend and holiday closings); trading on the New York Stock Exchange is restricted; an emergency exists as a result of which disposal of shares of the Investment Options held in the Separate Account is not reasonably practicable or it is not reasonably practicable to determine the value of such shares; or during any other period when the Securities and Exchange Commission, by order, so permits for the protection of Owners; provided that applicable rules and regulations of the Securities and Exchange Commission will govern as to whether the conditions described in (2) and (3) exist.

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 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 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 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 Beneficiary An individual or non-individual entitled to the Death Benefit under this contract. Business Day Each day on which the New York Stock Exchange is selected by open for trading. Our Business Day ends when regular trading on the OwnerNew York Stock Exchange ends, which is usually at 4:00 p.m. Eastern Time. While We process any instructions received at or after the Owner end of any Business Day on the next Business Day. If any calculations or Contract Charges fall on a day that is living and before not a Business Day, they will be processed on the Annuity next Business Day, unless otherwise specified. Buffer A Buffer is the maximum negative Index Return that we will absorb. On the Issue Date, we declare a Buffer for each Index Option, and the Owner may change the Beneficiary by written noticeBuffers will not change. A change in Beneficiary will take effect The Buffers are shown on the date We receive Allocation Options Contract Schedule. L40538-01-NY Definitions continued from the written notice in previous page Cap A Cap is the maximum positive Performance Credit for an Index Performance Strategy Index Option. On each Term Start Date, we declare 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 OwnersCap, if applicable, shall or that an Index Option is uncapped, and we guarantee it for the Term. If we declare that an Index Option is uncapped, there is no maximum positive Performance Credit for an Index Option on the Term End Date. Caps are shown on your Index Options statement and will never be each other's primary Beneficiaryless than the Minimum Cap shown on the Allocation Options Contract Schedule. Joint AnnuitantsCash Value The Cash Value is equal to the Contract Value minus any Withdrawal Charges and any final Contract Charges. Contract Anniversary A twelve-month anniversary of the Issue Date or any subsequent twelve-month Contract Anniversary. Contract Value The Variable Account Value plus the Index Option Value(s). The Index Option Value is the value in a selected Index Option. Contract Year A period of 12 months. The first Contract Year begins on the Issue Date. Subsequent Contract Years begin on the Contract Anniversaries. Determining Life (Lives) The person(s) on whose life (lives) we base the Death Benefit. We determine the Determining Life (Lives) on the Issue Date. On the Issue Date: • If this contract is solely owned, if any, when the Owner Determining Life is the Owner. • If this contract is owned by a non-natural personindividual, shall be each other's primary Beneficiarythe Determining Life is the Annuitant. Any other Beneficiary designation will be treated as • If this contract is jointly owned, the Determining Lives are the Joint Owners. After the Issue Date, if a contingent Beneficiary. If the Owner Determining Life (Lives) 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 longer a Spouse of the Owner in accordance with option 1or Joint Owner, under DEATH OF OWNER BEFORE THE ANNUITY DATEwe will remove that person from this contract. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity DateIf you add or change a Joint Owner, that person will become a Determining Life. You may For jointly owned non-qualified contracts, if you establish a trust and change the Annuity Date at any time, at least seven days prior ownership to the Annuity Datetrust, by written notice to Us at Our Annuity Service Centerthe prior Joint Owner who is not the Annuitant no longer qualifies as a Determining Life and we remove that person as such from this contract. Index Anniversary A twelve-month anniversary of the Index Effective Date or any subsequent twelve-month Index Anniversary. Index Availability Period The Annuity period of time between the Issue Date must always be the and when we can make certain Index Options temporarily unavailable. Index Effective Date The first day of the calendar monthfirst Index Year. The Earliest Annuity Date After the Contract Index Effective Date is shown on the Contract Date Pageyour Index Options statement. The Annuity Index Effective Date must can be any Business Day from the Issue Date up to and including the first Quarterly Contract Anniversary. However, it cannot be beyond the Latest Annuity 29th, 30th, or 31st of a month. If the Index Effective Date would occur on the 29th, 30th, or 31st of a month, or on a day that is not a Business Day, we change the Index Effective Date to be the next available Business Day. Index Option Base The value used to determine the dollar amount of the Performance Credit. We establish an Index Option Base for each Index Option. Index Option Value The value in a selected Index Option at the end of the Business Day. We establish an Index Option Value for each Index Option shown on the Allocation Options Contract Data PageSchedule. If no Annuity Date is specified by You, Index Options The Index Options available to you are shown on the Annuity Date will be Allocation Options Contract Schedule. L40538-01-NY Definitions continued from the Latest Annuity previous page Index Value The value of an Index at the end of the Business Day. Index Year A period of 12 months. The first Index Year begins on the Index Effective Date. Subsequent Index Years begin on the Index Anniversaries.

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 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. 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 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 as designated on the Participant Enrollment Form unless later changed by the OwnerParticipant. While 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 Contract, named: (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 BEFORE THE ANNUITY DATEdeath benefit options. If the Annuitant survives the OwnerParticipant, 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 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

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 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. 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 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 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 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 (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 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 the Owner is are payable 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 No premium may be less than $50. Premiums may be paid at any time before the Owner is also the Annuitant and there are no surviving BeneficiariesInsured attains Age 100, upon Our receipt of all Required Documentation, We will pay the Death Benefit subject to the estate of premium limitations below. Premium Allocation, Before the Owner 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 received and accepted by us. On the Free Look Transfer Date, the Accumulated Value in accordance with option 1the Money Market Variable Account will be allocated to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, under DEATH OF OWNER BEFORE THE ANNUITY DATEif any. ANNUITY PROVISIONS ANNUITY DATE You may specify an anticipated Annuity DatePremium 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. You Upon Written Request, you may change the Annuity Date at any timepremium allocation. Subsequently, at least seven days prior Net Premiums will be allocated to the Annuity DateInvestment Options according to your most recent instructions. Premium Limitation - We reserve the right to require evidence of insurability, by written notice satisfactory to Us at Our Annuity Service Center. The Annuity Date must always be us, for any premium payment that would result in an immediate increase in the first day of difference between the calendar month. The Earliest Annuity Date After death benefit and 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 DateAccumulated 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 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, 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 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 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. 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 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 (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 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 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 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 ’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 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 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 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 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 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 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 US-803 (12/15) 14 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, 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 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 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. FS-993-PPIII (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. 19 20 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 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 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 person(s) designated to receive their respective portions benefits in the case 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 of a Certificate 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 Commencement Date, by written notice to Us at Our Annuity Service Center. The Annuity Date must always Beneficiary may sometimes be referred to as the first “Designated Beneficiary” when Riders and Endorsements are attached to the Certificate. Business Day - Any day the New York Stock Exchange (“NYSE”) is open for trading, exclusive of federal holidays, or any day on which the Securities and Exchange Commission (“SEC”) requires that mutual funds, unit investment trusts or other investment portfolios be valued. Cash Surrender Value - The amount the Certificate Owner receives upon full surrender of the calendar monthCertificate. Certificate - A summary of the benefits and provisions provided under this Contract issued to the Certificate Owner. Certificate Anniversary - The Earliest Annuity Date After same date each year as 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 PageCertificate Date. If no Annuity Date is specified by Yousuch date exists, the Annuity Certificate Anniversary will be the next calendar day. Certificate Date - The date we receive and accept the Initial Premium Payment and upon which we begin determining the Certificate values. It may not be the same date as the Certificate Issue Date. Certificate Issue Date - The date the Certificate is issued at our Customer Service Center as shown in the Certificate. Certificate Owner - The person who owns the Certificate and is entitled to exercise all rights of the Certificate. The Certificate Owner may sometimes be referred to as the “Certificateowner” in the Riders and Endorsements attached to the Certificate. Certificate Processing Date - The day when we deduct certain charges from the Accumulation Value. The Certificate Processing Date will be on the Latest Annuity Certificate Anniversary of each year. If the Certificate Anniversary is not a Valuation Date, the Certificate Processing Date will be on the next succeeding Valuation Date. IU-MA-3040 3 Important Terms (continued) Certificate Year - The period between Certificate Anniversaries. Charge Deduction Division - The Division designated by us from which all charges are deducted if the Certificate Owner elects this option.

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. FS-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 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 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 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 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 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 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 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 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.