Common use of DOLLAR COST AVERAGING FIXED ACCOUNT OPTION Clause in Contracts

DOLLAR COST AVERAGING FIXED ACCOUNT OPTION. We may offer a dollar cost averaging one-year (DCA) fixed account option separate from the guaranteed period option. This option will have a one-year interest rate guarantee. The current interest rate we set for the DCA fixed account may differ from the rates credited on the one-year GPO in the fixed account. In addition, the current interest rate we credit may vary on different portions of the DCA fixed account. The credited interest rate will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on Page 3. The DCA fixed account option will only be available under a dollar cost averaging program as described in Section 8. SECTION 8 - TRANSFERS

DOLLAR COST AVERAGING FIXED ACCOUNT OPTION. We may offer a dollar cost averaging one-Dollar Cost Averaging one - year (DCA) fixed account option Fixed Account Option separate from the guaranteed period optionGuaranteed Period Option. This option will have a one-one - year interest rate guarantee. The current interest rate we set for the DCA fixed account Fixed Account may differ from the rates credited on the one-one - year GPO in the fixed account. Fixed Account In addition, the current interest rate we credit may vary on different portions of the DCA fixed account. Fixed Account The credited interest rate will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on Page 3. The DCA fixed account option Fixed Account Option will only be available under a dollar cost averaging Dollar Cost Averaging program as described in Section 8. SECTION 8 - – TRANSFERS

DOLLAR COST AVERAGING FIXED ACCOUNT OPTION. We may offer a dollar cost averaging Dollar Cost Averaging one-year (DCA) fixed account option Fixed Account Option separate from the guaranteed period optionGuaranteed Period Option. This option will have a one-year interest rate guarantee. The current interest rate we set for the DCA fixed account Fixed Account may differ from the rates credited on the one-year GPO in the fixed account. Fixed Account In addition, the current interest rate we credit may vary on different portions of the DCA fixed accountFixed Account. The credited interest rate will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on Page 3. The DCA fixed account option Fixed Account Option will only be available under a dollar cost averaging Dollar Cost Averaging program as described in Section 8. AV1397 101 179 1003 Page 8 L1386 SECTION 8 - TRANSFERS

DOLLAR COST AVERAGING FIXED ACCOUNT OPTION. We may offer a dollar cost averaging Dollar Cost Averaging one-year (DCA) fixed account option Fixed Account Option separate from the guaranteed period optionGuaranteed Period Option. This option will have a one-year interest rate guarantee. The current interest rate we set for the DCA fixed account Fixed Account may differ from the rates credited on the one-year GPO in the fixed accountFixed Account. In addition, the current interest rate we credit may vary on different portions of the DCA fixed accountFixed Account. The credited interest rate will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on Page 3. The DCA fixed account option Fixed Account Option will only be available under a dollar cost averaging Dollar Cost Averaging program as described in Section 8. SECTION AV1396 101 179 1003 Page 8 - TRANSFERSL1141R

DOLLAR COST AVERAGING FIXED ACCOUNT OPTION. We may offer a dollar cost averaging Dollar Cost Averaging one-year (DCA) fixed account option Fixed Account Option separate from the guaranteed period optionGuaranteed Period Option. This option will have a one-year interest rate guarantee. The current interest rate we set for the DCA fixed account Fixed Account may differ from the rates credited on the one-year GPO in the fixed accountFixed Account. In addition, the current interest rate we credit may vary on different portions of the DCA fixed accountFixed Account. The credited interest rate will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on Page 3. The DCA fixed account option Fixed Account Option will only be available under a dollar cost averaging Dollar Cost Averaging program as described in Section 8. SECTION 8 - TRANSFERS

DOLLAR COST AVERAGING FIXED ACCOUNT OPTION. We may offer a dollar cost averaging Dollar Cost Averaging one-year (DCA) fixed account option Fixed Account Option separate from the guaranteed period optionGuaranteed Period Option. This option will have a one-year interest rate guarantee. The current interest rate we set for the DCA fixed account Fixed Account may differ from the rates credited on the one-year GPO in the fixed account. Fixed Account In addition, the current interest rate we credit may vary on different portions of the DCA fixed account. Fixed Account The credited interest rate will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on Page 3. The DCA fixed account option Fixed Account Option will only be available under a dollar cost averaging Dollar Cost Averaging program as described in Section 8. AV1396 101 179 1003 Page 8 L11 41R SECTION 8 - TRANSFERS