Common use of CONTRACT FEE Clause in Contracts

CONTRACT FEE. On each contract anniversary prior to the Maturity Date, a Contract Fee will be charged for administrative expenses. The amount of the Contract Fee is shown on page 4. The Contract Fee will be deducted from the Investment Accounts in proportion to the Accumulation Value of the Investment Accounts. The Contract Fee deducted from the Guaranteed Interest Fund will not exceed the sum of: - 10% of the gross purchase payments applied to the Guaranteed Interest Fund during the contract year; and - interest in excess of an annual effective interest rate of 3% credited to the Guaranteed Interest Fund during the contract year. The effective date of the Contract Fee will be the contract anniversary. However, if the New York Stock Exchange is closed on the contract anniversary, the effective date will be the next following Valuation Date.

CONTRACT FEE. On each contract anniversary prior to the Maturity Date, a Contract Fee will be charged for administrative expenses. The amount of the Contract Fee is shown on page 4. The Contract Fee will be deducted from the Investment Accounts Accounts, other than the Multi-Year Guaranteed Interest Funds, in proportion to the Accumulation Value of the those Investment Accounts. The In the event the Accumulation Value in accounts other than the Multi-Year Guaranteed Interest Funds is insufficient to pay the Contract Fee, the Contract Fee will be deducted from the Accumulation Value of the Multi-Year Guaranteed Interest Fund will not exceed the sum of: - 10% of the gross purchase payments applied to the Guaranteed Interest Fund during the contract year; and - interest in excess of an annual effective interest rate of 3% credited to the Guaranteed Interest Fund during the contract yearFunds. The effective date of the Contract Fee will be the contract anniversary. However, if the New York Stock Exchange is closed on the contract anniversary, the effective date will be the next following Valuation Date.

CONTRACT FEE. On each contract anniversary prior to the Maturity Date, a Contract Fee will be charged for administrative expenses. The amount of the Contract Fee is shown on page Page 4. The Contract Fee will be deducted from the Investment Accounts Accounts, other than the Multi-Year Guaranteed Interest Funds, in proportion to the Accumulation Value of the those Investment Accounts. The In the event the Accumulation Value in accounts other than the Multi-Year Guaranteed Interest Funds is insufficient to pay the Contract Fee, the Contract Fee will be deducted from the Accumulation Value of the Multi-Year Guaranteed Interest Fund will not exceed the sum of: - 10% of the gross purchase payments applied to the Guaranteed Interest Fund during the contract year; and - interest in excess of an annual effective interest rate of 3% credited to the Guaranteed Interest Fund during the contract yearFunds. The effective date of the Contract Fee will be the contract anniversary. However, if the New York Stock Exchange is closed on the contract anniversary, the effective date will be the next following Valuation Date.

CONTRACT FEE. On each contract anniversary prior to the Maturity Date, a Contract Fee will be charged for administrative expenses. The amount of the Contract Fee is shown on page 4. The Contract Fee will be deducted from the Investment Accounts in proportion to the Accumulation Value of the Investment Accounts. The Contract Fee deducted from the Guaranteed Interest Fund will not exceed the sum of: - • 10% of the gross purchase payments applied to the Guaranteed Interest Fund during the contract year; and - • interest in excess of an the guaranteed annual effective interest rate of 3% shown on page 4 credited to the Guaranteed Interest Fund during the contract year. The effective date of the Contract Fee will be the contract anniversary. However, if the New York Stock Exchange is closed on the contract anniversary, the effective date will be the next following Valuation Date.. XX.X.X.XX.(0803) 13

CONTRACT FEE. On each contract anniversary prior to the Maturity Date, a Contract Fee will be charged for administrative expenses. The amount of the Contract Fee is shown on page 4. The Contract Fee will be deducted from the Investment Accounts in proportion to the Accumulation Value of the Investment Accounts. The Contract Fee deducted from the Guaranteed Interest Fund will not exceed the sum of: - • 10% of the gross purchase payments applied to the Guaranteed Interest Fund during the contract year; and - • interest in excess of an the guaranteed annual effective interest rate of 3% shown on page 4 credited to the Guaranteed Interest Fund during the contract year. The effective date of the Contract Fee will be the contract anniversary. However, if the New York Stock Exchange is closed on the contract anniversary, the effective date will be the next following Valuation Date.

CONTRACT FEE. On each contract anniversary prior to the Maturity Date, a Contract Fee will be charged for administrative expenses. The amount of the Contract Fee is shown on page 4. The Contract Fee will be deducted from the Investment Accounts in proportion to the Accumulation Value of the Investment Accounts. The Contract Fee deducted from the Guaranteed Interest Fund will not exceed the sum of: - • 10% of the gross purchase payments applied to the Guaranteed Interest Fund during the contract year; and - • interest in excess of an the guaranteed annual effective interest rate of 3% shown on page 4 credited to the Guaranteed Interest Fund during the contract year. The effective date of the Contract Fee will be the contract anniversary. However, if the New York Stock Exchange is closed on the contract anniversary, the effective date will be the next following Valuation Date.. RR. V. B. MSNST. (0803) 13