Common use of Deferred Sales Charge Clause in Contracts

Deferred Sales Charge. The deferred sales charge is the charge made on Participant withdrawals, including contract termination, during the first six Participation Years. The amount withdrawn plus any deferred sales charge is deducted from the Participant's Accumulation Value. In the Separate Account, accumulation units will be canceled of a value equal to the charge and withdrawal. The charge is indicated in the table shown below. These percentages decrease uniformly by .083% for each of the first 72 months of participation. End of Participation Year Charge ------------------ ------ (Participation Date) 6.0% 1 5.0% 2 4.0% 3 3.0% 4 2.0% 5 1.0% 6 0% In no event will the amount of deferred sales charge exceed 9% of the total purchase payments made on behalf of each Participant.

Deferred Sales Charge. The deferred sales charge is the charge made on Participant withdrawals, including contract termination, during the first six Participation Years. The amount withdrawn plus any deferred sales charge is deducted from the Participant's Accumulation Value. In the Separate Account, accumulation units will be canceled of a value equal to the charge and withdrawal. The charge is indicated in the table shown below. These percentages decrease uniformly by .083% for each of the first 72 months of participation. End of Participation Year Charge ------------------ ------ (Participation Date) 6.0% 1 5.0% 2 4.0% 3 3.0% 4 2.0% 5 1.0% 6 0% In no event will the amount of deferred sales charge exceed 9% of the total purchase payments made on behalf of each Participant.

Deferred Sales Charge. The deferred sales charge is the charge made on Participant withdrawals, including contract termination, withdrawals during the first six Participation Years. The amount withdrawn plus any deferred sales charge is deducted from the Participant's Accumulation Value. In the Separate Account, accumulation units will be canceled of a value equal to the charge and withdrawal. The charge is indicated in the table shown below. These percentages decrease uniformly by .083% for each of the first 72 months of participation. End of Participation Year Charge ------------------ ------ (Participation Date) 6.0% 1 5.0% 2 4.0% 3 3.0% 4 2.0% 5 1.0% 6 0% In no event will the amount of deferred sales charge exceed 9% of the total purchase payments made on behalf of each Participant.

Deferred Sales Charge. The deferred sales charge is the charge made on Participant withdrawals, including contract termination, during the first six Participation Years. The amount withdrawn plus any deferred sales charge is deducted from the Participant's Accumulation Value. In the Separate Account, accumulation units will be canceled cancelled of a value equal to the charge and withdrawal. The charge is indicated in the table shown below. These percentages decrease uniformly by .083% for each of the first 72 months of participation. End of Participation Year Charge ------------------ ------ (Participation Date) 6.0% 1 5.0% 2 4.0% 3 3.0% 4 2.0% 5 1.0% 6 0% In no event will the amount of deferred sales charge exceed 9% of the total purchase payments made on behalf of each Participant.

Deferred Sales Charge. The deferred sales charge is the charge made on Participant withdrawals, including contract termination, withdrawals during the first six Participation Years. The amount withdrawn plus any deferred sales charge is deducted from the Participant's Accumulation Value. In the Separate Account, accumulation units will be canceled of a value equal to the charge and withdrawal. The charge is indicated in the table shown below. These percentages decrease uniformly by .083% for each of the first 72 months of participation. End of Participation Year Charge ------------------ ------ (Participation Date) 6.0% 1 5.0% 2 4.0% 3 3.0% 4 2.0% 5 1.0% 6 0% In no event will the amount of deferred sales charge exceed 9% of the total purchase payments made on behalf of each Participant.