Common use of EXCESS TRANSFER CHARGE Clause in Contracts

EXCESS TRANSFER CHARGE. If you exceed the number of free transfers allowed, you will be assessed an excess transfer charge as shown in the above table. This charge will be deducted proportionately from your Subaccount Accumulation Values and your Guaranteed Interest Account Accumulation Value immediately prior to the deduction. DOLLAR COST AVERAGING Prior to the Annuity Date, if you have at least $10,000 of Accumulation Value in either the [Fidelity VIP Money Market] Subaccount or the [Janus Short-Term Bond] Subaccount, you may choose to transfer a specified dollar amount each month from one of these Subaccounts and have a percentage of that amount transferred to other Subaccounts of the Variable Account ("Dollar Cost Averaging"). You may elect the Dollar Cost Averaging transfer option at any time prior to the Annuity Date by Written Notice. The minimum amount that you may elect to transfer each month is $100. The maximum amount that you may transfer is equal to the Subaccount Accumulation Value (when the election is made) of the Subaccount from which the transfer is taken divided by twelve. The percentages to be transferred to the other Subaccounts must be designated in whole numbers. No specific dollar designation may be made to the Subaccounts. If you elect to transfer to a particular Subaccount, the minimum percentage that may be transferred to that Subaccount is 1% of the total amount transferred. The transfer date will be the same calendar day each month as the Contract Date. If this calendar day is not a Valuation Day, the next Valuation Day will be used. If, on any transfer date, the Accumulation Value in the selected Subaccount is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred, and this option will end. Dollar Cost Averaging will end as of the Valuation Day immediately preceding the Annuity Date. You may change the transfer amount or the Subaccount to which transfers are to be made once each Contract Year. You may cancel this election by Written Notice at least seven days before the next transfer date. Any transfer under this option will not be included for purposes of computing the excess transfer charge. AUTOMATIC REBALANCING Form 15208-95 You may choose to automatically transfer, on a quarterly basis, between and among specified Subaccounts, in order to achieve a particular percentage allocation among such Subaccounts ("Automatic Rebalancing"). Percentage allocations must be in whole numbers. Once elected, Automatic Rebalancing transfers begin on the first Valuation Day of the next calendar quarter (or, if later, the next calendar quarter after expiration of the Free Look Period). Automatic Rebalancing transfers do not count as one of the 12 free transfers available during any Contract Year. You may change your Automatic Rebalancing allocations at any time. Such allocation changes will take effect as of the Valuation Day that we receive your instructions. You may stop Automatic Rebalancing at least seven calendar days before the first Valuation Day in a new calendar quarter. If Automatic Rebalancing is elected at the same time as Dollar Cost Averaging or when Dollar Cost Averaging is in effect, Automatic Rebalancing will be postponed until the first Valuation Day in the calendar quarter following the termination of Dollar Cost Averaging.

EXCESS TRANSFER CHARGE. If you exceed the number of free transfers allowed, you will be assessed an excess transfer charge as shown in the above tableExcess Transfer Charge. This charge will be deducted proportionately from your Subaccount each of the Divisions in which you are invested in the same proportion that the amount of Accumulation Values and your Guaranteed Interest Account Value in that Division bears to the total Accumulation Value immediately prior to after the deductiontransfer. DOLLAR COST AVERAGING Prior to TRANSFER OPTION During the Annuity DateAccumulation Period only, if you have at least $10,000 of Accumulation Value in either the [Fidelity VIP Investments Money Market] Subaccount Market Division or the [Janus Short-Term Bond] SubaccountXxxxxxxxx & Xxxxxx Limited Maturity Bond Division, you may choose to transfer a specified dollar amount each month from one of these Subaccounts and have a percentage of that amount transferred Divisions to other Subaccounts Divisions of the Variable Account ("Account. Dollar Cost Averaging")Averaging transfers may not be made to the Guaranteed Interest Division. You may elect the Dollar Cost Averaging transfer option at any time prior to the Annuity Date by Written NoticeDate. The minimum amount that you may elect to transfer each month is $100. The maximum amount that you may transfer is equal to the Subaccount Accumulation Value (when in the election is made) of the Subaccount Division from which the transfer is taken when the election is made, divided by twelve12. The percentages Dollar Cost Averaging may be elected to be transferred to end on a specified date or when a specific balance remains in the other Subaccounts Fidelity Investments Money Market Division or the Xxxxxxxxx & Xxxxxx Limited Maturity Bond Division. Allocations of the transfer amount must be designated in as whole numbers. No number percentages; no specific dollar designation may be made to the SubaccountsDivisions of the Variable Account. If you elect to transfer to a particular SubaccountDivision, the minimum percentage that may be transferred to that Subaccount Division is 15% of the total amount transferred. The transfer date will be the same calendar day each month as the Contract Date. If this calendar day is not a Valuation DayDate, the next Valuation Day Date will be used. If, on any transfer date, the Accumulation Value in the selected Subaccount Division is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred, and this option will end. Dollar Cost Averaging will end as of the Valuation Day Date immediately preceding the Annuity Date. You may change the transfer amount or the Subaccount Divisions to which transfers are to be made once each Contract Year. You may cancel this election by Written Notice sending us written notice at our Customer Service Center at least seven 7 days before the next transfer date. Any transfer under this option will not be included for purposes of computing the excess transfer chargeExcess Transfer Charge. AUTOMATIC REBALANCING Form 15208-95 You may choose to automatically transfer, on a quarterly basis, between If you elect both Dollar Cost Averaging and among specified Subaccounts, in order to achieve a particular percentage allocation among such Subaccounts ("Automatic Rebalancing"), Dollar Cost Averaging will occur first. Percentage allocations must be in whole numbers. Once elected, Automatic Rebalancing transfers begin on On the first Valuation Day Date of the next calendar quarter (orafter Dollar Cost Averaging has terminated, if laterAutomatic Rebalancing will begin. AUTOMATIC REBALANCING Automatic Rebalancing allows you to match your Accumulation Value in each Division to your allocation percentages. Automatic Rebalancing can be elected in your application or by completing the client service application and returning it to our Customer Service Center. As of the first Valuation Date of each calendar quarter thereafter we will reallocate your Accumulation Value so that the amount in each Division matches your allocation percentages. Automatic Rebalancing may not begin until the end of the Contract Examination Period. When you request a change in your allocation percentages, your Accumulation Value will be reallocated as of the Valuation Date that we receive your written allocation instructions. You may not transfer among Divisions while the Automatic Rebalancing feature is in effect. If you elect both Dollar Cost Averaging and Automatic Rebalancing, Dollar Cost Averaging will occur first. On the first Valuation Date of the next calendar quarter after expiration of the Free Look Period). Automatic Rebalancing transfers do not count as one of the 12 free transfers available during any Contract Year. You may change your Automatic Rebalancing allocations at any time. Such allocation changes will take effect as of the Valuation Day that we receive your instructions. You may stop Automatic Rebalancing at least seven calendar days before the first Valuation Day in a new calendar quarter. If Automatic Rebalancing is elected at the same time as Dollar Cost Averaging or when Dollar Cost Averaging is in effecthas terminated, Automatic Rebalancing will begin. ACCUMULATION VALUE PROVISIONS The Accumulation Value of this Contract is the sum of the Accumulation Values of all the Divisions of the Variable Account in which your Contract is invested, plus any Accumulation Value of the Guaranteed Interest Division. The Accumulation Values are based on the Purchase Payments and transfers made, Partial Withdrawals, the Contract charges, earned interest of the Guaranteed Interest Division and the investment experience of the Division(s) of the Variable Account. All Contract processing occurs as of a Valuation Date. If a transaction occurs on a day other than a Valuation Date, the transaction will be postponed until processed as of the first next Valuation Day in the calendar quarter following the termination of Dollar Cost Averaging.Date. VALUATION DATE A Valuation Date is any day:

EXCESS TRANSFER CHARGE. If you exceed the number of free transfers allowed, you will be assessed an excess transfer charge as shown in the above table. This charge will be deducted proportionately from your Subaccount Accumulation Values and your Guaranteed Interest Account Accumulation Value immediately prior to the deduction. DOLLAR COST AVERAGING Prior to the Annuity Date, if you have at least $10,000 of Accumulation Value in either the [Fidelity VIP Money Market] Subaccount or the [Janus Short-Term Bond] Subaccount, you may choose to transfer a specified dollar amount each month from one of these Subaccounts and have a percentage of that amount transferred to other Subaccounts of the Variable Account ("Dollar Cost Averaging"). You may elect the Dollar Cost Averaging transfer option at any time prior to the Annuity Date by Written Notice. The minimum amount that you may elect to transfer each month is $100. The maximum amount that you may transfer is equal to the Subaccount Accumulation Value (when the election is made) of the Subaccount from which the transfer is taken divided by twelve. The percentages to be transferred to the other Subaccounts must be designated in whole numbers. No specific dollar designation may be made to the Subaccounts. If you elect to transfer to a particular Subaccount, the minimum percentage that may be transferred to that Subaccount is 1% of the total amount transferred. The transfer date will be the same calendar day each month as the Contract Date. If this calendar day is not a Valuation Day, the next Valuation Day will be used. If, on any transfer date, the Accumulation Value in the selected Subaccount is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred, and this option will end. Dollar Cost Averaging will end as of the Valuation Day immediately preceding the Annuity Date. You may change the transfer amount or the Subaccount to which transfers are to be made once each Contract Year. You may cancel this election by Written Notice at least seven days before the next transfer date. Any transfer under this option will not be included for purposes of computing the excess transfer chargeExcess Transfer Charge. AUTOMATIC REBALANCING Form 15208-95 You may choose to automatically transfer, on a quarterly basis, between and among specified Subaccounts, in order to achieve a particular percentage allocation among such Subaccounts ("Automatic Rebalancing"). Percentage allocations must be in whole numbers. Once elected, Automatic Rebalancing transfers begin on the first Valuation Day of the next calendar quarter (or, if later, the next calendar quarter after expiration of the Free Look Period). Automatic Rebalancing transfers do not count as one of the 12 free transfers available during any Contract Year. You may change your Automatic Rebalancing allocations at any time. Such allocation changes will take effect as of the Valuation Day that we receive your instructions. You may stop Automatic Rebalancing at least seven calendar days before the first Valuation Day in a new calendar quarter. If Automatic Rebalancing is elected at the same time as Dollar Cost Averaging or when Dollar Cost Averaging is in effect, Automatic Rebalancing will be postponed until the first Valuation Day in the calendar quarter following the termination of Dollar Cost Averaging.