Common use of FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING Clause in Contracts

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s), if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage allocated, as well as the duration of the Guarantee Period, is shown on the election form and/or confirmation thereof as completed by You. The interest rate applicable to the allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s), each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s), including any of the available Guaranteed Periods, will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on the Contract Data Page. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown on the Contract Data Page, if applicable, will be deducted on each Contract anniversary on or prior to the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal is not on the Contract anniversary. We reserve the right to waive the fee for Contract Values of $75,000.00 and up.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within Any amounts allocated to the Fixed Account Options from the initial Purchase Payment will earn interest at the Initial Interest Rate for the Fixed Account Option(s), if any, is credited with interest at rates guaranteed by Us ) selected for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage allocated, as well as the duration of the Guarantee Period. Subsequent Purchase Payments, is shown on the election form and/or confirmation thereof as completed by You. The interest rate applicable if any, allocated to the allocation Fixed Account Options will earn interest at the Current Interest Rate for the Fixed Account Option(s) selected for the duration of the Guarantee Period. Transfers to applicable Fixed Account Option(s) and amounts renewing in the Fixed Account Option(s) will earn interest at the Renewal Interest Rate for the Fixed Account Option(s) selected for the duration of the Guarantee Period. For thirty (30) days following the date of expiration of a Purchase Payment or transfer of Contract Value to a Guarantee Period, You may renew for the same Guarantee Period is at the rate in effect for that Renewal Interest Rate or You may transfer all or a portion of the amount to the Subaccounts and/or any other available Fixed Account Option(s). If You do not specify a Guarantee Period at the time of renewal, We will select the allocation same Guarantee Period as has just expired, crediting the Contract with the Renewal Interest Rate in effect on the date of expiration of the Guarantee Period. [If a renewal occurs within one year of the Annuity Date, We will credit interest up to the Annuity Date at the Renewal Interest Rate for the 1-Year Fixed Non-MVA Account Option]. MARKET VALUE ADJUSTMENT (MVA) Any payments and values based on a Fixed MVA Account Option may be subject to an MVA, the operation of which may result in upward or transferdownward adjustments in the Contract Value, if withdrawn, transferred or annuitized prior to the end of the respective Guarantee Period. The MVA will be calculated by multiplying the amount withdrawn, transferred or annuitized from a Fixed MVA Account Option by the following formula: {(1 + I)/(1+J+0.0025)}N/12 -1 I = The interest rate currently in effect for that Guarantee Period. J = The Initial Interest Rate available for the Guarantee Period equal to the number of years (rounded up to an integer) remaining in the current Guarantee Period at the time of withdrawal, transfer or annuitization. In the determination of J, if the Company currently does not offer the applicable Guarantee Period, then the rate will be determined by linear interpolation of the Initial Interest Rate for the nearest two Guarantee Periods that are available. N = The number of full months remaining in the current Guarantee Period at the time the withdrawal, transfer or annuitization request is processed. If You have allocated a Withdrawal Charge is applied to a withdrawal, then the MVA will be applied to the withdrawal amount net of the Withdrawal Charge. There will be no MVA on withdrawals from the Fixed MVA Account Option(s) in the following situations: (1) to pay a Death Benefit upon death of the Owner; (2) on amounts withdrawn to pay fees or charges in the Contract; (3) on amounts withdrawn, or transferred amounts at different times to the Fixed Account Option(s), each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s), including from any of the available Guaranteed Periods, will not be less than Fixed MVA Account Options within thirty (30) days after the Minimum end of the Guarantee Rate as mandated by Your state, and shown Period; (4) on annuitizations on the Contract Data PageLatest Annuity Date; (5) on amounts withdrawn from the DCA Fixed Account Options. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: CONTRACT MAINTENANCE FEE ADMINISTRATION CHARGE The charge as shown specified on the Contract Data Page, if applicable, Page will be deducted on each Contract anniversary that occurs on or prior to the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal withdrawal is not on the Contract anniversary. We reserve the right to waive assess a charge on a class basis which is less than the fee charge specified on the Contract Data Page. This charge is not deducted when the Contract Value is greater than [$50,000]. SEPARATE ACCOUNT CHARGE This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Subaccount(s) to which the Contract is allocated. This charge compensates Us for mortality and expense risks and distribution expenses associated with the Contract. We subtract this charge daily. We reserve the right to assess a charge on a class basis which is less than the charge specified on the Contract Values of $75,000.00 and upData Page.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s), if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a FS-993-PPS7 (12/10) 9 Guarantee Period, the percentage allocated, as well as the duration of the Guarantee Period, is shown on the election form and/or confirmation thereof as completed by You. The interest rate applicable to the allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s), each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s), including any of the available Guaranteed Periods, will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on the Contract Data Page. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown on the Contract Data Page, if applicable, will be deducted on each Contract anniversary on or prior to the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal is not on the Contract anniversary. We reserve the right to waive the fee for Contract Values of $75,000.00 and up.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s)Account, if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We we may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage amount allocated, as well as the duration of the Guarantee Period, Period is shown on the election form and/or Application or confirmation thereof as completed by You. The interest rate applicable to the an allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s)Account, each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s)Account, including any of the available Guaranteed Guarantee Periods, will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on the Contract Data Page. CHARGES AND DEDUCTIONS We will deduct MARKET VALUE ADJUSTMENT (MVA) Any payments and values based on available Fixed Account Options may be subject to a MVA, the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown on operation of which may result in upward or downward adjustments in the Contract Data PageValue, if applicablewithdrawn, will be deducted on each Contract anniversary on transferred or annuitized prior to the Annuity Dateend of the respective Guarantee Period. It The MVA will also be deducted when calculated by multiplying the Contract Value is withdrawn amount withdrawn, transferred or annuitized by the following formula: {(1 + I)/(1+J+0.0050)}(N/12) -1 I = The interest rate currently in full if the Withdrawal is not on the Contract anniversary. We reserve the right to waive the fee effect for Contract Values of $75,000.00 and upthat Guarantee Period.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s)Account, if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage amount allocated, as well as the duration of the Guarantee Period, is shown on the election form and/or Application or confirmation thereof as completed by You. The interest rate applicable to the an allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s)Account, each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s)Account, including any of the available Guaranteed Periods, will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on Contract Data Page. The minimum guarantee rate under Your Contract as referenced on the Contract Data PagePage is at least equal to the lesser of: (a) 3% per annum; or (b) the three-month average value of the five-year Constant Maturity Treasury Rate reported by the Federal Reserve, rounded up to the nearest 1/4th of 1%, for the second, third and fourth month preceding the first day of the calendar quarter during which the Contract is issued, reduced by 1.25% and where the resulting interest rate is not less than 1%. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: AS-981 (5/06) CONTRACT MAINTENANCE FEE The charge charge, as shown on the Contract Data Page, if applicable, will be deducted on each Contract anniversary on or prior to before the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal is not on the Contract anniversary. We also reserve the right to waive the fee for certain Contract Values of [$75,000.00 50,000.00 and up]. WITHDRAWAL CHARGE The charge, as shown on the Contract Data Page, if any, may be deducted upon Withdrawal of any portion of the Contract Value. See WITHDRAWAL PROVISIONS. SEPARATE ACCOUNT CHARGE This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract is allocated. This charge compensates Us for mortality and expense risks, distribution expenses and guaranteed death benefit risk associated with the Contract. We subtract this charge daily. We reserve the right to assess a charge on a class basis which differs from the charge specified on the Contract Data Page.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s), if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage allocated, as well as the duration of the Guarantee Period, is shown on the election form and/or confirmation thereof as completed by You. FS-995 (12/10) 9 The interest rate applicable to the allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s), each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s), including any of the available Guaranteed Periods, will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on the Contract Data Page. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown on the Contract Data Page, if applicable, will be deducted on each Contract anniversary on or prior to the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal is not on the Contract anniversary. We reserve the right to waive the fee for Contract Values of $75,000.00 and up.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s), if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage allocated, as well as the duration of the Guarantee Period, is shown on the election form and/or confirmation thereof as completed by You. FS-993 (12/10) 9 The interest rate applicable to the allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s), each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s), including any of the available Guaranteed Periods, will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on the Contract Data Page. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown on the Contract Data Page, if applicable, will be deducted on each Contract anniversary on or prior to the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal is not on the Contract anniversary. We reserve the right to waive the fee for Contract Values of $75,000.00 and up.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s)Account, if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification We also reserve the right to cease offering Guarantee Periods if market conditions are such that we are not able to credit the Minimum Guarantee Rate for Fixed Account Options shown on the Contract Data Page. We will be provided to the Owner at least notify you 30 days prior to before the discontinuation end of a Guarantee PeriodPeriod if we exercise this right. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage amount allocated, as well as the duration of the Guarantee Period, Period is shown on the election form and/or confirmation thereof Application as completed by You. The interest rate applicable to the an allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s)Account, each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s)Account, including any of the available Guaranteed Periods, Guarantee Periods will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on the Contract Data Page. The minimum guarantee rate under Your Contract as referenced on the Contract Data Page is at least equal to the lesser of: (a) 3% per annum; or (b) the three-month average value of the five-year Constant Maturity Treasury Rate reported by the Federal Reserve, rounded up to the nearest 1/4th of 1%, for the second, third and fourth month preceding the first day of the calendar quarter during which the Contract is issued, reduced by 1.25% and where the resulting interest rate is not less than 1%. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown on the Contract Data Page, if applicable, Page will be deducted on each Contract anniversary on or prior before to the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal is not on the Contract anniversary. We also reserve the right to waive the fee for Contract Values Contracts with a value of $75,000.00 50,000.00 or greater on the Contract anniversary. WITHDRAWAL CHARGE The charge, as shown on the Contract Data Page, if any, may be deducted upon Withdrawal of any portion of the Contract Value. See the Contract Data Page. Table of Contents SEPARATE ACCOUNT CHARGE This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract is allocated. This charge compensates Us for mortality and upexpense risks, and distribution expenses associated with the Contract. We subtract this charge daily.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s)Account, if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We we may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification We also reserve the right to cease offering Guarantee Periods if market conditions are such that we are not able to credit the Minimum Guarantee Rate for Fixed Account Options shown on the Contract Data Page. We will be provided to the Owner at least notify you 30 days prior to before the discontinuation end of a Guarantee PeriodPeriod if we exercise this right. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage amount allocated, as well as the duration of the Guarantee Period, Period is shown on the election form and/or confirmation thereof Application as completed by You. The interest rate applicable to the an allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s)Account, each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s)Account, including any of the available Guaranteed Guarantee Periods, will not be less than the Minimum Guarantee Rate as mandated by Your statethe laws of New York, and shown on Contract Data Page. The minimum guarantee rate under Your Contract as referenced on the Contract Data PagePage is at least equal to the lesser of: (a) 3% per annum; or (b) the three-month average value of the five-year Constant Maturity Treasury Rate reported by the Federal Reserve, rounded up to the nearest 1/4th of 1%, for the second, third and fourth month preceding the first day of the calendar quarter during which the Contract is issued, reduced by 1.25% and where the resulting interest rate is not less than 1%. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown specified on the Contract Data Page, if applicable, Page will be deducted on each Contract anniversary that occurs on or prior to the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal is not on the Contract anniversary. We also reserve the right to waive the fee for Contract Values Contracts with a value of $75,000.00 50,000.00 or greater on the Contract anniversary. WITHDRAWAL CHARGE The charge, if any, may be deducted upon withdrawal of any portion of the Contract Value. See the Contract Data Page. SEPARATE ACCOUNT CHARGE This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract is allocated. This charge compensates Us for mortality and upexpense risks, and distribution expenses associated with the Contract. We subtract this charge daily. TRANSFER PROVISIONS Prior to the Annuity Date, You may transfer all or part of Your Contract Value from any Variable Portfolio to any other Variable Portfolio(s) or available Fixed Account Options subject to applicable restrictions. The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or available Fixed Account Option are subject to Company limits. We reserve the right to charge a fee, as shown on the Contract Data Page, for transfers if the number of transfers exceeds a limit of fifteen (15) in any Contract Year. Automatic asset rebalancing and/or transfers arising out of the DCA program are not counted against the 15 allowable free transfers. We further reserve the right to restrict Your transfer privileges, including possible termination of those privileges, if we determine that a pattern of transfers reflects a market timing strategy or is potentially harmful to other contract owners. TRANSFERS OF ACCUMULATION AND ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to the Annuity Date, transfers are subject to certain restrictions. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s), other than the DCA Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the Contract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s), if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a FS-998 (6/11) 9 Guarantee Period, the percentage allocated, as well as the duration of the Guarantee Period, is shown on the election form and/or confirmation thereof as completed by You. The interest rate applicable to the allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s), each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s), including any of the available Guaranteed Periods, will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on the Contract Data Page. CHARGES AND DEDUCTIONS We will deduct the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown on the Contract Data Page, if applicable, will be deducted on each Contract anniversary on or prior to the Annuity Date. It will also be deducted when the Contract Value is withdrawn in full if the Withdrawal is not on the Contract anniversary. We reserve the right to waive the fee for Contract Values of $75,000.00 and up.

FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING. The portion of Your Contract Value within the Fixed Account Option(s)Account, if any, is credited with interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a daily basis at the then applicable effective interest rate for the applicable Guarantee Period. You may select from one or more Guarantee Periods which We we may offer at any particular time. We reserve the right at any time to add or delete Guarantee Periods. A written notification will be provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage amount allocated, as well as the duration of the Guarantee Period, Period is shown on the election form and/or Application or confirmation thereof as completed by You. The interest rate applicable to the an allocation of a Purchase Payment or transfer of Contract Value to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation or transfer. If You have allocated or transferred amounts at different times to the Fixed Account Option(s)Account, each allocation or transfer may have a unique effective interest rate associated with that amount. We guarantee that the effective annual rate of interest for the Fixed Account Option(s)Account, including any of the available Guaranteed Guarantee Periods, will not be less than the Minimum Guarantee Rate as mandated by Your state, and shown on the Contract Data Page. CHARGES AND DEDUCTIONS We will deduct MARKET VALUE ADJUSTMENT (MVA) Any payments and values based on available Fixed Account Options may be subject to a MVA, the following charges from the Contract: CONTRACT MAINTENANCE FEE The charge as shown on operation of which may result in upward or downward adjustments in the Contract Data PageValue, if applicablewithdrawn, will be deducted on each Contract anniversary on transferred or annuitized prior to the Annuity Dateend of the respective Guarantee Period. It The MVA will also be deducted when calculated by multiplying the Contract Value is withdrawn amount withdrawn, transferred or annuitized by the following formula: {(1 + I)/(1+J+0.0050)}N/12 -1 I = The interest rate currently in full if the Withdrawal is not on the Contract anniversary. We reserve the right to waive the fee effect for Contract Values of $75,000.00 and upthat Guarantee Period.