Common use of CHARGE DEDUCTION DIVISION Clause in Contracts

CHARGE DEDUCTION DIVISION. All charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | | | ------------------------------------------------------------------------- | Initial Premium Annuity Option Annuity Commencement | | Date | | [$25,000] [LIFE 10-YEAR [JANUARY 1, 2028] | | CERTAIN] | ------------------------------------------------------------------------- | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED [123456] | | ACCOUNT] | ------------------------------------------------------------------------- Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Fixed Period Monthly Period Monthly Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years 20 Years Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 ] GA-IA-1042-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - The amount that a Contract provides for investment at any time. Initially, this amount is equal to the premium paid.

CHARGE DEDUCTION DIVISION. All If elected by you, all charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 IA-1083 3E2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXXTHOMAS J. DOE] [XXXX X. XXXJOHN Q. DOE] | | | ------------------------------------------------------------------------- |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement | | Date | | [$25,00010,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 20282026] | | CERTAIN] | ------------------------------------------------------------------------- ----------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED B] [123456] | | ACCOUNT] | ------------------------------------------------------------------------- |-----------------------------------------------------------------------------| Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Period Monthly Fixed Period Monthly Period Monthly Fixed Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years Certain 20 Years Certain Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 10.63/10.53] GA-IA-1042IA-1083 3F THE SCHEDULE (COMBO DB) CONTRACT FACTS ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - The amount that a YEAR CERTAIN] [JANUARY 1, 2026] | | ----------------------------------------------------------------------------| | Separate Account(s) Contract provides for investment at any time. Initially, this amount is equal to the premium paid.Number | | [SEPARATE ACCOUNT B] [123456] | |-----------------------------------------------------------------------------|

CHARGE DEDUCTION DIVISION. All If elected by you, all charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 IA-1083 3E2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | | | ------------------------------------------------------------------------- |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement | | Date | | [$25,00010,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 20282026] | | CERTAIN] | ------------------------------------------------------------------------- ----------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED B] [123456] | | ACCOUNT] | ------------------------------------------------------------------------- |-----------------------------------------------------------------------------| Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Period Monthly Fixed Period Monthly Period Monthly Fixed Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years Certain 20 Years Certain Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 10.63/10.53] GA-IA-1042IA-1083 3F THE SCHEDULE (COMBO DB) CONTRACT FACTS ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - The amount that a YEAR CERTAIN] [JANUARY 1, 2026] | | ----------------------------------------------------------------------------| | Separate Account(s) Contract provides for investment at any time. Initially, this amount is equal to the premium paid.Number | | [SEPARATE ACCOUNT B] [123456] | |-----------------------------------------------------------------------------|

CHARGE DEDUCTION DIVISION. All charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 IA-1075 3E2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- ------------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | | | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement | | Date | Date| | [$25,00010,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 20282026] | | CERTAIN] | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED B] [123456] | | ACCOUNT] | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Fixed Period Monthly Period Monthly Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years 20 Years Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 10.63/10.53] GA-IA-1042IA-1075 3E1 THE SCHEDULE (RATCHET) CONTRACT FACTS (continued) ------------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date| | [$10,000] [LIFE 10-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - YEAR CERTAIN] [JANUARY 1, 2026] | |--------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] | |--------------------------------------------------------------------------| Systematic Partial Withdrawals Systematic Partial Withdrawals may be elected to commence after 28 days from the Contract Issue Date and may be taken on a monthly, quarterly or annual basis. You select the day withdrawals will be made, but no later than the 28th day of the month. If you do not elect a day, the Contract Date will be used. Maximum Withdrawal Amounts: Variable Separate Account Divisions: .833% of Premium Payments monthly, 2.5% of Premium Payments quarterly or 10% of Premium Payments annually Guaranteed Interest Divisions: Interest earned on the Guaranteed Interest Divisions for the prior month, quarter or year (depending on the frequency selected). The amount that Maximum Withdrawal Amount available as a Systematic Partial Withdrawal is 10% of Premium Payments not previously withdrawn. A Systematic Partial Withdrawal in excess of Earnings and the Free Amount may be subject to a Surrender Charge. Withdrawal option may be subject to a Market Value Adjustment.] XXX PARTIAL WITHDRAWALS FOR QUALIFIED PLANS ONLY Partial Withdrawals may be taken from a contract issued as an XXX on a monthly, quarterly or annual basis. A minimum withdrawal of $100.00 is required. You select the day the withdrawals will be made, but no later than the 28th day of the month. If you do not elect a day, the Contract provides for investment at any timeDate will be used. InitiallySystematic Partial Withdrawals and Conventional Partial Withdrawals are not allowed when XXX Partial Withdrawals are being taken. The Death Benefit is the greatest of (i), this amount is equal to the premium paid.(ii), (iii) and (iv) below, where:

CHARGE DEDUCTION DIVISION. All charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | | | ------------------------------------------------------------------------- | Initial Premium Annuity Option Annuity Commencement | | Date | | [$25,000] [LIFE 10-YEAR [JANUARY 1, 2028] | | CERTAIN] | ------------------------------------------------------------------------- | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED [123456] | | ACCOUNT] | ------------------------------------------------------------------------- Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Fixed Period Monthly Period Monthly Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years 20 Years Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 ] GA-IA-1042-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - The amount that a Contract provides for investment at any time. Initially, this amount is equal to the premium paid.

CHARGE DEDUCTION DIVISION. All charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 IA-1075 3E2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- ------------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | | | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement | | Date | Date| | [$25,00010,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 20282026] | | CERTAIN] | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED B] [123456] | | ACCOUNT] | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Fixed Period Monthly Period Monthly Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years 20 Years Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 10.63/10.53] GA-IA-1042IA-1074 3D2 THE SCHEDULE (STANDARD) CONTRACT FACTS (continued) ------------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date| | [$10,000] [LIFE 10-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - YEAR CERTAIN] [JANUARY 1, 2026] | |--------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] | |--------------------------------------------------------------------------| Systematic Partial Withdrawals Systematic Partial Withdrawals may be elected to commence after 28 days from the Contract Issue Date and may be taken on a monthly, quarterly or annual basis. You select the day withdrawals will be made, but no later than the 28th day of the month. If you do not elect a day, the Contract Date will be used. Maximum Withdrawal Amounts: Variable Separate Account Divisions: .833% of Premium Payments monthly, 2.5% of Premium Payments quarterly or 10% of Premium Payments annually Guaranteed Interest Divisions: Interest earned on the Guaranteed Interest Divisions for the prior month, quarter or year (depending on the frequency selected). The amount that Maximum Withdrawal Amount available as a Systematic Partial Withdrawal is 10% of Premium Payments not previously withdrawn. A Systematic Partial Withdrawal in excess of Earnings and the Free Amount may be subject to a Surrender Charge. Withdrawal option may be subject to a Market Value Adjustment.] XXX PARTIAL WITHDRAWALS FOR QUALIFIED PLANS ONLY Partial Withdrawals may be taken from a contract issued as an XXX on a monthly, quarterly or annual basis. A minimum withdrawal of $100.00 is required. You select the day the withdrawals will be made, but no later than the 28th day of the month. If you do not elect a day, the Contract provides for investment at any timeDate will be used. InitiallySystematic Partial Withdrawals and Conventional Partial Withdrawals are not allowed when XXX Partial Withdrawals are being taken. DEATH BENEFITS The Death Benefit is the greatest of (i), this amount is equal to the premium paid.(ii) and (iii) below, where:

CHARGE DEDUCTION DIVISION. All If elected by you all charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 IA-1083 3E2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | | | ------------------------------------------------------------------------- |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement | | Date | | [$25,00010,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 20282026] | | CERTAIN] | ------------------------------------------------------------------------- ----------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED B] [123456] | | ACCOUNT] | ------------------------------------------------------------------------- |-----------------------------------------------------------------------------| Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Period Monthly Fixed Period Monthly Period Monthly Fixed Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years Certain 20 Years Certain Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 10.63/10.53] GA-IA-1042IA-1083 3F THE SCHEDULE (RATCHET) CONTRACT FACTS ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - The amount that a YEAR CERTAIN] [JANUARY 1, 2026] | | ----------------------------------------------------------------------------| | Separate Account(s) Contract provides for investment at any time. Initially, this amount is equal to the premium paid.Number | | [SEPARATE ACCOUNT B] [123456] | |-----------------------------------------------------------------------------|

CHARGE DEDUCTION DIVISION. All charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 IA-1075 3E2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- ------------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | | | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement | | Date | Date| | [$25,00010,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 20282026] | | CERTAIN] | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED B] [123456] | | ACCOUNT] | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Fixed Period Monthly Period Monthly Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years 20 Years Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 10.63/10.53] GA-IA-1042IA-1075 3D2 THE SCHEDULE (BASE) CONTRACT FACTS (continued) ------------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date| | [$10,000] [LIFE 10-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - YEAR CERTAIN] [JANUARY 1, 2026] | |--------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] | |--------------------------------------------------------------------------| Systematic Partial Withdrawals Systematic Partial Withdrawals may be elected to commence after 28 days from the Contract Issue Date and may be taken on a monthly, quarterly or annual basis. You select the day withdrawals will be made, but no later than the 28th day of the month. If you do not elect a day, the Contract Date will be used. Maximum Withdrawal Amounts: Variable Separate Account Divisions: .833% of Premium Payments monthly, 2.5% of Premium Payments quarterly or 10% of Premium Payments annually Guaranteed Interest Divisions: Interest earned on the Guaranteed Interest Divisions for the prior month, quarter or year (depending on the frequency selected). The amount that Maximum Withdrawal Amount available as a Systematic Partial Withdrawal is 10% of Premium Payments not previously withdrawn. A Systematic Partial Withdrawal in excess of Earnings and the Free Amount may be subject to a Surrender Charge. Withdrawal option may be subject to a Market Value Adjustment.] XXX PARTIAL WITHDRAWALS FOR QUALIFIED PLANS ONLY Partial Withdrawals may be taken from a contract issued as an XXX on a monthly, quarterly or annual basis. A minimum withdrawal of $100.00 is required. You select the day the withdrawals will be made, but no later than the 28th day of the month. If you do not elect a day, the Contract provides for investment at any timeDate will be used. InitiallySystematic Partial Withdrawals and Conventional Partial Withdrawals are not allowed when XXX Partial Withdrawals are being taken. DEATH BENEFITS The Death Benefit is the greatest of (i) and (ii) below, this amount is equal to the premium paid.where:

CHARGE DEDUCTION DIVISION. All If elected by you all charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 IA-1083 3E2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXXTHOMAS J. DOE] [XXXX X. XXXJOHN Q. DOE] | | | ------------------------------------------------------------------------- |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement | | Date | | [$25,00010,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 20282026] | | CERTAIN] | ------------------------------------------------------------------------- ----------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED B] [123456] | | ACCOUNT] | ------------------------------------------------------------------------- |-----------------------------------------------------------------------------| Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Period Monthly Fixed Period Monthly Period Monthly Fixed Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years Certain 20 Years Certain Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 10.63/10.53] GA-IA-1042IA-1083 3F THE SCHEDULE (RATCHET) CONTRACT FACTS ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-01/98 3F IMPORTANT TERMS ------------------------------------------------------------------------- ACCUMULATION VALUE - The amount that a YEAR CERTAIN] [JANUARY 1, 2026] | | ----------------------------------------------------------------------------| | Separate Account(s) Contract provides for investment at any time. Initially, this amount is equal to the premium paid.Number | | [SEPARATE ACCOUNT B] [123456] | |-----------------------------------------------------------------------------|

CHARGE DEDUCTION DIVISION. All charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division]. GA-IA-1042-01/98 3E/2 IA-1075 3E2 THE SCHEDULE INCOME PLAN FACTORS ------------------------------------------------------------------------- ------------------------------------------------------------------------- ------------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | | | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement | | Date | Date| | [$25,00010,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 20282026] | | CERTAIN] | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED B] [123456] | | ACCOUNT] | ------------------------------------------------------------------------- |--------------------------------------------------------------------------| Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied. TABLE FOR INCOME FOR A FIXED PERIOD Fixed Fixed Fixed Period Monthly Period Monthly Period Monthly of Years Income of Years Income of Years Income TABLE FOR INCOME FOR LIFE Male/Female Male/Female Male/Female Age 10 Years 20 Years Refund Certain Certain Certain [50 $4.06/3.83 $3.96/3.77 $3.93/3.75 55 4.43/4.14 4.25/4.05 4.25/4.03 60 4.90/4.56 4.57/4.37 4.66/4.40 65 5.51/5.10 4.90/4.73 5.12/4.83 70 6.26/5.81 5.18/5.07 5.76/5.42 75 7.11/6.70 5.38/5.33 6.58/6.19 80 7.99/7.70 5.48/5.46 7.69/7.21 85 8.72/8.59 5.52/5.51 8.72/8.59 90 9.23/9.18 5.53/5.53 10.63/10.53 10.63/10.53] GA-IA-1042-01/98 IA-1075 3F IMPORTANT TERMS ------------------------------------------------------------------------- ------------------------------------------------------------------------------- ACCUMULATION VALUE - The amount that a Contract provides for investment at any time. Initially, this amount is equal to the premium paid.