Common use of FIXED ACCOUNT PROVISIONS Clause in Contracts

FIXED ACCOUNT PROVISIONS. INVESTMENT ACCOUNT We will establish a separate Investment Account for you each time you allocate amounts to a fixed Investment Option. Amounts invested in these Investment Accounts will earn interest at the guaranteed rate in effect on the date the amounts are allocated for the duration of the guarantee period. We will determine the guaranteed rates from time to time for Net Payments, renewal amounts and amounts transferred to a fixed Investment Option. In no event will the rate be less than the Minimum Guaranteed Interest Rate on Fixed Accounts as specified in the Specifications Page. We reserve the right to prohibit or restrict Payments and transfers to the fixed Investment Option(s) if the effective annual rate of interest that would apply to the Payment or transfer is equal to the Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page. If such restrictions on Payments or Transfers are not in effect on the Contract Date, we will provide at least 30 days prior written notice of any restrictions on Payments and transfers after the Contract Date. Prior written notice will specify the fixed Investment Option(s) that are affected by such restriction. Any such restriction on Payments or Transfers to the fixed Investment Option(s) will not apply to automatic renewals of amounts already allocated to a fixed Investment Option(s). Renewal amount(s) are otherwise subject to the terms and conditions described in the Renewal provisions of the Contract. We will provide notice in writing within 30 days of when restrictions on Payments or transfers to fixed Investment Option(s) are removed. GUARANTEE PERIODS For any amounts allocated to the fixed Investment Options, you have the choice of the guarantee periods available as shown on the Specifications Page. The amount can be allocated into any combination of the fixed Investment Options offered under this Contract. Separate Investment Accounts will be established for each guarantee period. The guarantee period will be the duration of the fixed Investment Option selected measured from the date the amount is allocated to the Investment Account. Amounts cannot be allocated to a fixed Investment Option that would extend the guarantee period beyond the Maturity Date. RENEWALS The renewal amount is the Investment Account Value at the end of the particular guarantee period. The renewal amount will be automatically renewed in the same Investment Option at the end of the guarantee period, unless you specify otherwise. If renewal in a particular Investment Option would result in the guarantee period for that Investment Account extending beyond the Maturity Date, the renewal amount may not be renewed in that Investment Option. The renewal amount will be applied to the longest guarantee period of a fixed Investment Option such that the guarantee period does not extend beyond the Maturity Date. DOLLAR COST AVERAGING (DCA) The DCA Investment Option may be elected by the Owner to make automatic monthly transfers from a fixed Investment Account to one or more variable Investment Options. Only initial and subsequent Net Payments may be allocated to the DCA Investment Option. Amounts may not be transferred from other Investment Options to the DCA Investment Option.

FIXED ACCOUNT PROVISIONS. INVESTMENT ACCOUNT We will establish a separate Investment Account for you each time you allocate amounts to a fixed Investment Option. Amounts invested in these Investment Accounts will earn interest at the guaranteed rate in effect on the date the amounts are allocated for the duration of the guarantee period. We will determine the guaranteed rates from time to time for Net Payments, renewal amounts and amounts transferred to a fixed Investment Option. In no event will the rate be less than the Minimum Guaranteed Interest Rate on Fixed Accounts as specified in the Specifications Page. We reserve the right to prohibit or restrict Payments Payments, renewals and transfers to the fixed Investment Option(s) Options if the effective annual rate of interest that would apply to the Payment Payment, renewal or transfer is equal to the Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page. If such restrictions on Payments or Transfers are not in effect on the Contract Date, we will provide at least 30 days prior written notice of any restrictions on Payments and transfers after the Contract Date. Prior written notice will specify the fixed Investment Option(s) that are affected by such restriction. Any such restriction on Payments or Transfers to the fixed Investment Option(s) will not apply to automatic renewals of amounts already allocated to a fixed Investment Option(s). Renewal amount(s) are otherwise subject to the terms and conditions described in the Renewal provisions of the Contract. We will provide notice in writing within 30 days of when restrictions on Payments or transfers to fixed Investment Option(s) are removed. GUARANTEE PERIODS For any amounts allocated to the fixed Investment Options, you have the choice of the guarantee periods available as shown on the Specifications Page. The amount can be allocated into any combination of the fixed Investment Options offered under this Contract. Separate Investment Accounts will be established for each guarantee period. The guarantee period will be the duration of the fixed Investment Option selected measured from the date the amount is allocated to the Investment Account. Amounts cannot be allocated to a fixed Investment Option that would extend the guarantee period beyond the Maturity Date. RENEWALS The renewal amount is the Investment Account Value at the end of the particular guarantee period. The renewal amount will be automatically renewed in the same Investment Option at the end of the guarantee period, unless you specify otherwise. If renewals to fixed Investment Options are restricted, the renewal amount will be automatically transferred into the Restricted Renewal Transfer Portfolio as described on the Specifications Page, unless you specify otherwise. If renewal in a particular Investment Option would result in the guarantee period for that Investment Account extending beyond the Maturity Date, the renewal amount may not be renewed in that Investment Option. The renewal amount will be applied to the longest guarantee period of a fixed Investment Option such that the guarantee period does not extend beyond the Maturity Date. DOLLAR COST AVERAGING (DCA) INVESTMENT ACCOUNT VALUE The DCA Investment Option may be elected by amount in the Owner to make automatic monthly transfers from a fixed Investment Account to one or more variable Investment Options. Only initial Accounts will accumulate at a rate of interest determined by us and subsequent Net Payments may be in effect on the date the amount is allocated to the DCA Investment OptionAccount. Amounts may not be transferred The Investment Account Value is the accumulated value of the amount invested in the Investment Account reduced by any withdrawals, loans, transfers or charges taken from other the Investment Account. In no event will the sum of the Investment Account Values for all fixed Investment Options be less than the Minimum Investment Account Value. MINIMUM INVESTMENT ACCOUNT The Minimum Investment Account Value is the sum VALUE of the amounts allocated to all fixed Investment Accounts reduced by any withdrawals, loans, transfers or charges taken from all fixed Investment Accounts, accumulated at the DCA Investment Option.Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page. VENTURE.100.P07V00 SAMPLE

FIXED ACCOUNT PROVISIONS. INVESTMENT ACCOUNT We will establish a separate Investment Account for you each time you allocate amounts to a fixed Investment Option. Amounts invested in these Investment Accounts will earn interest at the guaranteed rate in effect on the date the amounts are allocated for the duration of the guarantee period. We will determine the guaranteed rates from time to time for Net Payments, renewal amounts and amounts transferred to a fixed Investment Option. In no event will the rate be less than the Minimum Guaranteed Interest Rate on Fixed Accounts as specified in the Specifications Pagebe less than 3%. We reserve the right to prohibit or restrict Payments Payments, renewals and transfers to the fixed Investment Option(s) Options if the effective annual rate of interest that would apply to the Payment Payment, renewal or transfer is equal to the Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page. If such restrictions on Payments or Transfers are not in effect on the Contract Date, we will provide at least 30 days prior written notice of any restrictions on Payments and transfers after the Contract Date. Prior written notice will specify the fixed Investment Option(s) that are affected by such restriction. Any such restriction on Payments or Transfers to the fixed Investment Option(s) will not apply to automatic renewals of amounts already allocated to a fixed Investment Option(s). Renewal amount(s) are otherwise subject to the terms and conditions described in the Renewal provisions of the Contract. We will provide notice in writing within 30 days of when restrictions on Payments or transfers to fixed Investment Option(s) are removed. GUARANTEE PERIODS For any amounts allocated to the fixed Investment Options, you have the choice of the guarantee periods available as shown on the Specifications Page. The amount can be allocated into any combination of the fixed Investment Options offered under this Contract. Separate Investment Accounts will be established for each guarantee period. The guarantee period will be the duration of the fixed Investment Option selected measured from the date the amount is allocated to the Investment Account. Amounts cannot be allocated to a fixed Investment Option that would extend the guarantee period beyond the Maturity Date. RENEWALS The renewal amount is the Investment Account Value at the end of the particular guarantee period. The renewal amount will be automatically renewed in the same Investment Option at the end of the guarantee period, unless you specify otherwise. If renewals to fixed Investment Options are restricted, the renewal amount will be automatically transferred into the Restricted Renewal Transfer Portfolio as described on the Specifications Page, unless you specify otherwise. If renewal in a particular Investment Option would result in the guarantee period for that Investment Account extending beyond the Maturity Date, the renewal amount may not be renewed in that Investment Option. The renewal amount will be applied to the longest guarantee period of a fixed Investment Option such that the guarantee period does not extend beyond the Maturity Date. DOLLAR COST AVERAGING (DCA) The DCA Investment Option may be elected by the (DCA) Owner to make automatic monthly transfers from a fixed Investment Account to one or more variable Investment Options. Only initial and subsequent Net Payments may be allocated to the DCA Investment Option. Amounts may not be transferred from other Investment Options to the DCA Investment Option. INVESTMENT ACCOUNT VALUE The amount in the fixed Investment Accounts will accumulate at a rate of interest determined by us and in effect on the date the amount is allocated to the Investment Account. The Investment Account Value is the accumulated value of the amount invested in the Investment Account reduced by any withdrawals, loans, transfers or charges taken from the Investment Account. In no event will the sum of the Investment Account Values for all fixed Investment Options be less than the Minimum Investment Account Value. 7.1 MINIMUM INVESTMENT The Minimum Investment Account Value is the sum of ACCOUNT VALUE the amounts allocated to all fixed Investment Accounts reduced by any withdrawals, loans, transfers or charges taken from all fixed Investment Accounts, accumulated at the Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page.

FIXED ACCOUNT PROVISIONS. INVESTMENT ACCOUNT We will establish a separate Investment Account for you each time you allocate amounts to a fixed Investment Option. Amounts invested in these Investment Accounts will earn interest at the guaranteed rate in effect on the date the amounts are allocated for the duration of the guarantee period. We will determine the guaranteed rates from time to time for Net Payments, renewal amounts and amounts transferred to a fixed Investment Option. In no event will the rate be less than the Minimum Guaranteed Interest Rate on Fixed Accounts as specified in the Specifications Page. We reserve the right to prohibit or restrict Payments Payments, renewals and transfers to the fixed Investment Option(s) Options if the effective annual rate of interest that would apply to the Payment Payment, renewal or transfer is equal to the Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page. If such restrictions on Payments or Transfers are not in effect on the Contract Date, we will provide at least 30 days prior written notice of any restrictions on Payments and transfers after the Contract Date. Prior written notice will specify the fixed Investment Option(s) that are affected by such restriction. Any such restriction on Payments or Transfers to the fixed Investment Option(s) will not apply to automatic renewals of amounts already allocated to a fixed Investment Option(s). Renewal amount(s) are otherwise subject to the terms and conditions described in the Renewal provisions of the Contract. We will provide notice in writing within 30 days of when restrictions on Payments or transfers to fixed Investment Option(s) are removed. GUARANTEE PERIODS For any amounts allocated to the fixed Investment Options, you have the choice of the guarantee periods available as shown on the Specifications Page. The amount can be allocated into any combination of the fixed Investment Options offered under this Contract. Separate Investment Accounts will be established for each guarantee period. The guarantee period will be the duration of the fixed Investment Option selected measured from the date the amount is allocated to the Investment Account. Amounts cannot be allocated to a fixed Investment Option that would extend the guarantee period beyond the Maturity Date. RENEWALS The renewal amount is the Investment Account Value at the end of the particular guarantee period. The renewal amount will be automatically renewed in the same Investment Option at the end of the guarantee period, unless you specify otherwise. If renewals to fixed Investment Options are restricted, the renewal amount will be automatically transferred into the Restricted Renewal Transfer Portfolio as described on the Specifications Page, unless you specify otherwise. If renewal in a particular Investment Option would result in the guarantee period for that Investment Account extending beyond the Maturity Date, the renewal amount may not be renewed in that Investment Option. The renewal amount will be applied to the longest guarantee period of a fixed Investment Option such that the guarantee period does not extend beyond the Maturity Date. DOLLAR COST AVERAGING (DCA) INVESTMENT ACCOUNT VALUE The DCA Investment Option may be elected by amount in the Owner to make automatic monthly transfers from a fixed Investment Account to one or more variable Investment Options. Only initial Accounts will accumulate at a rate of interest determined by us and subsequent Net Payments may be in effect on the date the amount is allocated to the DCA Investment OptionAccount. Amounts may not be transferred The Investment Account Value is the accumulated value of the amount invested in the Investment Account reduced by any withdrawals, loans, transfers or charges taken from other the Investment Account. In no event will the sum of the Investment Account Values for all fixed Investment Options be less than the Minimum Investment Account Value. MINIMUM INVESTMENT The Minimum Investment Account Value is the sum ACCOUNT VALUE of the amounts allocated to all fixed Investment Accounts reduced by any withdrawals, loans, transfers or charges taken from all fixed Investment Accounts, accumulated at the DCA Investment Option.Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page. VENTURE.100.P07V00 SAMPLE

FIXED ACCOUNT PROVISIONS. INVESTMENT ACCOUNT We will establish a separate Investment Account for you each time you allocate amounts to a fixed Investment Option. Amounts invested in these Investment Accounts will earn interest at the guaranteed rate in effect on the date the amounts are allocated for the duration of the guarantee period. We will determine the guaranteed rates from time to time for Net Payments, renewal amounts and amounts transferred to a fixed Investment Option. In no event will the rate be less than the Minimum Guaranteed Interest Rate on Fixed Accounts as specified in the Specifications Page. We reserve the right to prohibit or restrict Payments and transfers to the fixed Investment Option(s) if the effective annual rate of interest that would apply to the Payment or transfer is equal to the Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page. If such restrictions on Payments or Transfers are not in effect on the Contract Date, we will provide at least 30 days prior written notice of any restrictions on Payments and transfers after the Contract Date. Prior written notice will specify the fixed Investment Option(s) that are affected by such restriction. Any such restriction on Payments or Transfers to the fixed Investment Option(s) will not apply to automatic renewals of amounts already allocated to a fixed Investment Option(s). Renewal amount(s) are otherwise subject to the terms and conditions described in the Renewal provisions of the Contract. We will provide notice in writing within 30 days of when restrictions on Payments or transfers to fixed Investment Option(s) are removed. GUARANTEE PERIODS For any amounts allocated to the fixed Investment Options, you have the choice of the guarantee periods available as shown on the Specifications Page. The amount can be allocated into any combination of the fixed Investment Options offered under this Contract. Separate Investment Accounts will be established for each guarantee period. The guarantee period will be the duration of the fixed Investment Option selected measured from the date the amount is allocated to the Investment Account. Amounts cannot be allocated to a fixed Investment Option that would extend the guarantee period beyond the Maturity Date. RENEWALS The renewal amount is the Investment Account Value at the end of the particular guarantee period. The renewal amount will be automatically renewed in the same Investment Option at the end of the guarantee period, unless you specify otherwise. If renewal in a particular Investment Option would result in the guarantee period for that Investment Account extending beyond the Maturity Date, the renewal amount may not be renewed in that Investment Option. The renewal amount will be applied to the longest guarantee period of a fixed Investment Option such that the guarantee period does not extend beyond the Maturity Date. DOLLAR COST AVERAGING (DCA) The DCA Investment Option may be elected by (DCA) the Owner to make automatic monthly transfers from a fixed Investment Account to one or more variable Investment Options. Only initial and subsequent Net Payments may be allocated to the DCA Investment Option. Amounts may not be transferred from other Investment Options to the DCA Investment Option. 7.1 INVESTMENT ACCOUNT VALUE The amount in the fixed Investment Accounts will accumulate at a rate of interest determined by us and in effect on the date the amount is allocated to the Investment Account. The Investment Account Value is the accumulated value of the amount invested in the Investment Account reduced by any withdrawals, loans, transfers or charges taken from the Investment Account. In no event will the sum of the Investment Account Values for all fixed Investment Options be less than the Minimum Investment Account Value. MINIMUM INVESTMENT The Minimum Investment Account Value is the ACCOUNT VALUE sum of the amounts allocated to all fixed Investment Accounts reduced by any withdrawals, loans, transfers or charges taken from all fixed Investment Accounts, accumulated at the Minimum Guaranteed Interest Rate on Fixed Accounts, as specified on the Specifications Page.