Common use of CALCULATION OF THE PERFORMANCE ADJUSTMENT Clause in Contracts

CALCULATION OF THE PERFORMANCE ADJUSTMENT. The Performance Adjustment for each fiscal quarter of the Fund shall be calculated by multiplying the appropriate Adjustment Percentage (shown below) to the Annual Percentage Rate Schedule applied to the average of the month-end net assets of the Fund over the previous 36 months, and dividing the result by four. The Adjustment Percentage for each fiscal quarter of the Fund shall be determined by applying the following Performance Adjustment Schedule to the cumulative performance of the BG Portfolio relative to the Morgan Stanley Capital International Europe, Austxxxxxxan, Xxx East Index (the "Index") over the rolling 36-month period applicable to such fiscal quarter. (See Fee Example #1 in Appendix.) -------------------------------------------------------------------------------- PERFORMANCE ADJUSTMENT SCHEDULE -------------------------------------------------------------------------------- CUMULATIVE PERFORMANCE OF BG PORTFOLIO VS. ADJUSTMENT PERCENTAGE INDEX OVER APPLICABLE 36-MONTH PERIOD -------------------------------------------------------------------------------- Less than -9% -50% -------------------------------------------------------------------------------- From -9% up to and including 0% Linear decrease from -50% to 0% -------------------------------------------------------------------------------- Greater than 0% and up to and including +9% Linear increase from 0% to +50% -------------------------------------------------------------------------------- More than +9% +50% --------------------------------------------------------------------------------

CALCULATION OF THE PERFORMANCE ADJUSTMENT. The Performance Adjustment for each fiscal quarter of the Fund shall be calculated by multiplying the appropriate Adjustment Percentage (shown below) to the Annual Percentage Rate Schedule (0.125%) applied to the average of the month-end net assets of the Fund over the previous 36 months, and dividing the result by four. The Adjustment Percentage for each fiscal quarter of the Fund shall be determined by applying the following Performance Adjustment Schedule to the cumulative performance of the BG Portfolio relative to the Morgan Stanley Capital International Europe, AustxxxxxxanAustrxxxxxxn, Xxx East Xast Index (the "Index") over the rolling 36-month period applicable to such fiscal quarter. (See Fee Example #1 in Appendix.) -------------------------------------------------------------------------------- ================================================================================ PERFORMANCE ADJUSTMENT SCHEDULE -------------------------------------------------------------------------------- CUMULATIVE PERFORMANCE OF BG PORTFOLIO VS. ADJUSTMENT PERCENTAGE INDEX OVER APPLICABLE 36-MONTH PERIOD -------------------------------------------------------------------------------- Less than -9% -50% -------------------------------------------------------------------------------- From -9% up to and including 0% Linear decrease from -50% to 0% -------------------------------------------------------------------------------- Greater than 0% and up to and including +9% Linear increase from 0% to +50% -------------------------------------------------------------------------------- More than +9% +50% --------------------------------------------------------------------------------================================================================================

CALCULATION OF THE PERFORMANCE ADJUSTMENT. The Performance Adjustment for each fiscal quarter of the Fund shall be calculated by multiplying the appropriate Adjustment Percentage (shown below) to the Annual Percentage Rate Schedule applied to the average of the month-end net assets of the Fund Acadian Portfolio over the previous 36 36-months, and dividing the result by four. The Adjustment Percentage for each fiscal quarter of the Fund Acadian Portfolio shall be determined by applying the following Performance Adjustment Schedule to the cumulative performance of the BG Acadian Portfolio relative to the Morgan Stanley Capital International Europe, Austxxxxxxan, Xxx East Intexxxxxxnxx - All Country Index (the "Index") over the rolling 36-month period applicable to such fiscal quarter. (See Fee Example #1 in Appendix1.) -------------------------------------------------------------------------------- PERFORMANCE ADJUSTMENT SCHEDULE -------------------------------------------------------------------------------- CUMULATIVE PERFORMANCE OF BG ACADIAN PORTFOLIO VS. ADJUSTMENT PERCENTAGE INDEX OVER APPLICABLE 36-MONTH PERIOD -------------------------------------------------------------------------------- Less More than -9+9% -50+50% -------------------------------------------------------------------------------- Greater than 0% up to and including +9% Linear increase between 0% to +50% -------------------------------------------------------------------------------- From -9% up to and including 0% Linear decrease from between -50% to 0% -------------------------------------------------------------------------------- Greater Less than 0-9% and up to and including +9% Linear increase from 0% to +50% -------------------------------------------------------------------------------- More than +9% +50-50% --------------------------------------------------------------------------------

CALCULATION OF THE PERFORMANCE ADJUSTMENT. The Performance Adjustment for each fiscal quarter of the Fund shall be calculated by multiplying the appropriate Adjustment Percentage (shown below) to the Annual Percentage Rate Schedule applied to the average of the month-end net assets of the Fund H&W Portfolio over the previous 36 60 months, and dividing the result by four. The Adjustment Percentage for each fiscal quarter of the Fund H&W Portfolio shall be determined by applying the following Performance Adjustment Schedule to the cumulative performance of the BG H&W Portfolio relative to the Morgan Stanley Capital International Europe, Austxxxxxxan, Xxx East MSCI Investable Market 2500 Index (the "Index") over the rolling 3660-month period applicable to such fiscal quarter. (See Fee Example #1 in Appendix1.) -------------------------------------------------------------------------------- PERFORMANCE ADJUSTMENT SCHEDULE -------------------------------------------------------------------------------- CUMULATIVE PERFORMANCE OF BG H&W PORTFOLIO VS. ADJUSTMENT PERCENTAGE INDEX OVER APPLICABLE 3660-MONTH PERIOD -------------------------------------------------------------------------------- Less More than -9+15% -50+50% -------------------------------------------------------------------------------- Greater than 0% up to and including +15% Linear increase between 0% to +50% -------------------------------------------------------------------------------- From -9-15% up to and including 0% Linear decrease from between -50% to 0% -------------------------------------------------------------------------------- Greater Less than 0-15% and up to and including +9% Linear increase from 0% to +50% -------------------------------------------------------------------------------- More than +9% +50-50% --------------------------------------------------------------------------------