Common use of FIXED ACCOUNT Clause in Contracts

FIXED ACCOUNT. The Fixed Account is comprised of a one - year Guaranteed Period Option and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we reserve the right to prohibit premium payments and/or transfers allocated to the Fixed Account described in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis).

FIXED ACCOUNT. The Fixed Account is comprised divided into Sub-accounts. A Sub-account is identified by the Guarantee Period and the date the Guarantee Period begins. You create a Sub-account when: / / you make a purchase payment; or / / you select a new Guarantee Period after the prior Sub-account expires; or / / you transfer an amount from an existing Sub-account of the Variable Account or the Fixed Account. A Sub-account continues until the end of the Guarantee Period. You must select the Guarantee Period for all purchase payments and transfers allocated to the Fixed Account. If you do not select a Guarantee Period for a purchase payment or transfer, we will assign the same period(s) as used for the most recent purchase payment. Guarantee Periods may be 1, 3, 5, 7, or 10 years. We may change the Guarantee Periods available for future purchase payments or transfers allocated to the Fixed Account. We will mail you a notice prior to the expiration of each Sub-account outlining the options available at the end of a one - year Guaranteed Guarantee Period. During the 30 day period after a Guarantee Period Option expires you may: / / take no action and we will automatically renew the Dollar Cost Averaging Fixed Option Sub-account value to a Guarantee Period of the same duration to be established on the day the previous Guarantee Period expired; or / / notify us to apply the Sub-account value to a new Guarantee Period(s) to be established on the day the previous Guarantee Period expired; or / / notify us to apply the Sub-account value to any Sub-account of the Variable Account on the day we receive the notification; or / / receive a portion of the Sub-account value or the entire Sub-account value through a partial or full withdrawal that we may choose is not subject to offera Market Value Adjustment. Premium payments applied In this case, the amount withdrawn will be deemed to and any amounts transferred have been withdrawn on the day the Guarantee Period expired. The minimum amount that can be allocated to a new Sub-account is $500. CREDITING INTEREST. We credit interest daily to money allocated to the Fixed Account at a rate which compounds over one year to the interest rate we guaranteed when the money was allocated. We will reflect a fixed credit interest rateto the initial purchase payment from the issue date. We will credit interest to subsequent purchase payments from the date we receive them. We will credit interest to transfers from the date the transfer is made. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate minimum guaranteed rate shown on the Policy Annuity Data pagePage. After TRANSFERS. Prior to the policy datePayout Start Date, you may transfer amounts between Investment Alternatives. You may make 12 transfers per Contract Year without charge. Each transfer after the 12th transfer in any Contract Year may be assessed a $10 transfer fee. Transfers are subject to the following restrictions. / / The minimum amount that may be transferred into a Sub-account of the Fixed Account is $500. / / Any transfer from a Sub-account of the Fixed Account at a time other than during the 30 day period after a Guarantee Period expires will be subject to a Market Value Adjustment. / / If any transfer reduces the value of a Sub-account of the Fixed Account to less than $500, we will treat the request as a transfer of the entire Sub- account value. We reserve the right to prohibit premium payments and/or transfers allocated waive the transfer restrictions contained in this Contract. CONTRACT VALUE. Your "Contract Value" is equal to the Fixed sum of: / / the number of Accumulation Units you hold in each Sub-account of the Variable Account described multiplied by the Accumulation Unit Value for that Sub- account on the most recent Valuation Date; plus / / the sum of Sub-account values in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account. ACCUMULATION UNITS AND ACCUMULATION UNIT VALUE. Amounts which you allocate to a Sub-account of the Variable Account funds will still roll into a new one - year Guaranteed are used to purchase Accumulation Units in that Sub-account. The Accumulation Unit Value for each Sub-account at the end of any Valuation Period Option is calculated by multiplying the Accumulation Unit Value at the end of the expiring option’s guaranteed period We will offer immediately preceding Valuation Period by the one - year Guaranteed Period OptionSub-account's Net Investment Factor for the Valuation Period. The current interest rate we set Accumulation Unit Values may go up or down. Additions or transfers to a Sub-account of the Variable Account will increase the number of Accumulation Units for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed PeriodSub- account. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end Sub-account of the expiring option’s Guaranteed Variable Account will decrease the number of Accumulation Units for that Sub-account. VALUATION PERIOD AND VALUATION DATE. A "Valuation Period" is the time interval between the closing of the New York Stock Exchange on consecutive Valuation Dates. However, A "Valuation Date" is any Guaranteed Period elected may not extend beyond date the maximum Annuity Commencement Date defined in Section 11New York Stock Exchange is open for trading. In NET INVESTMENT FACTOR. For each Sub-account of the absence of such electionVariable Account, the funds will be rolled into "Net Investment Factor" for a new one - year GPOValuation Period is (A) divided by (B), You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred minus (this is a “First - In, First - Out” or FIFO basis).C) where:

FIXED ACCOUNT. The Fixed Account is comprised divided into Sub-accounts. A Sub-account is identified by the Guarantee Period and the date the Guarantee Period begins. You create a Sub-account when: - you make a purchase payment; or - you select a new Guarantee Period after the prior Sub-account expires; or - you transfer an amount from an existing Sub-account of the Variable Account or the Fixed Account. A Sub-account continues until the end of the Guarantee Period. You must select the Guarantee Period for all purchase payments and transfers allocated to the Fixed Account. If you do not select a Guarantee Period for a purchase payment or transfer, we will assign the same period(s) as used for the most recent purchase payment. Guarantee Periods are offered at our discretion and may range from on to ten years. We may change the Guarantee Periods available for future purchase payments or transfers allocated to the Fixed Account. We will mail you a notice prior to the expiration of each Sub-account outlining the options available at the end of a one Guarantee Period. During the 30 day period after a Guarantee Period expires you may: - year Guaranteed take no action and we will automatically renew the Sub-account value to a Guarantee Period Option and of the Dollar Cost Averaging Fixed Option same duration to be established on the day the previous Guarantee Period expired; or - notify us to apply the Sub-account value to a new Guarantee Period(s) to be established on the day the previous Guarantee Period expired; or - notify us to apply the Sub-account value to any Sub-account of the Variable Account on the day we receive the notification; or - receive a portion of the Sub-account value or the entire Sub-account value through a partial or full withdrawal that we may choose is not subject to offera Market Value Adjustment. Premium payments applied In this case, the amount withdrawn will be deemed to and any amounts transferred have been withdrawn on the day the Guarantee Period expired. The minimum amount that can be allocated to a new Sub-account is $500. CREDITING INTEREST. We credit interest daily to money allocated to the Fixed Account at a rate which compounds over one year to the interest rate we guaranteed when the money was allocated. We will reflect a fixed credit interest rateto the initial purchase payment from the issue date. We will credit interest to subsequent purchase payments from the date we receive them. We will credit interest to transfers from the date the transfer is made. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate minimum guaranteed rate shown on the Policy Annuity Data pagePage. After TRANSFERS. Prior to the policy datePayout Start Date, you may transfer amounts between Investment Alternatives. You may make 12 transfers per Certificate Year without charge. Each transfer after the 12th transfer in any Certificate Year may be assessed a $10 transfer fee. Transfers are subject to the following restrictions. - The minimum amount that may be transferred into a Sub-account of the Fixed Account is $500. - Any transfer from a Sub-account of the Fixed Account at a time other than during the 30 day period after a Guarantee Period expires will be subject to a Market Value Adjustment. - If any transfer reduces the value of a Sub-account of the Fixed Account to less than $500, we will treat the request as a transfer of the entire Sub- account value. We reserve the right to prohibit premium payments and/or transfers allocated to waive the Fixed Account described transfer fees and restrictions contained in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis)Certificate.

FIXED ACCOUNT. FIXED ACCOUNT The Fixed Account is comprised of a one - one-year Guaranteed Period Option and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data pagePage 3. After the policy date, we We reserve the right right, at our sole discretion, to prohibit premium payments and/or transfers allocated to any of the Fixed Account options described in this sectionsection after the Policy Date. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to effect. GUARANTEED PERIOD OPTION We will offer the Fixed Account funds will still roll into a new one - one-year Guaranteed Period Option at for the end of initial premium payment and may offer it for subsequent premium payments or amounts transferred to the expiring option’s guaranteed period We will offer the one - year Guaranteed Period OptionFixed Account. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s 's Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest interest, will be rolled into a new one - one-year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s 's Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - one-year GPO if we are allowing transfers into new one-year GPO, 's at that time You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. If we are prohibiting transfers into new one-year GPO's, we will provide 30 days advance written notice of this decision. We will also provide timely written notification to you once any such prohibition of transfers is no longer in effect. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first first. If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next next, and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - "First-In, First - First-Out” " or FIFO basis).

FIXED ACCOUNT. The Fixed Account is comprised Option If you allocate all or part of a one - year Guaranteed Period Option and Purchase Payment to the Dollar Cost Averaging Fixed Option that Account Option, we may choose will credit interest at a specified rate on amounts prior to offer. Premium payments applied to and any amounts their being transferred to Portfolios you select. Monthly transfers are made over the period that you select. You may not make another Purchase Payment to this option until the entire value in this option has been transferred out, and you may not transfer money into this option. You may not choose this option within 12 months of the Annuity Date. Upon death of the Owner or surrender of the Contract, the minimum value that will be paid to the Beneficiary or Owner will not be less than 90% of your Purchase Payments allocated to the Dollar Cost Averaging Fixed Account Option accumulated at an annual effective interest rate of 3% each year, less prior transfers from the Dollar Cost Averaging Fixed Account Option accumulated at an annual effective interest rate of 3% each year. If necessary to meet this minimum, charges will reflect a fixed interest ratebe waived. The interest rates we set Enhanced Fixed Account Option Each Purchase Payment allocated to the Enhanced Fixed Account Option will be credited with the interest rate established for increments the date that we receive the Purchase Payment. This rate will apply to the Purchase Payment for an initial period of at least one year measured 12 months from the date we receive it. We can adjust the interest rate after the completion of that initial period. The adjusted rate will apply to that Purchase Payment and its credited interest for at least 12 months, when the rate can again be adjusted. From then on, we cannot adjust the interest rate more often than every 12 months. Different interest rates may apply to each premium payment of your Purchase Payments depending on the interest rate established for the date that we received the Purchase Payment and any subsequent rate adjustments. For the purpose of crediting interest, when you take a withdrawal or make a transfer datefrom the Enhanced Fixed Account Option, the Purchase Payment you last made, and the interest credited to it, is considered to be withdrawn first. These rates will never If you take a withdrawal while a distribution charge applies, your withdrawal may be less than your Purchase Payment(s). Upon annuitization, death of the Owner, or a total withdrawal from the Enhanced Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on Option, the Policy Data page. After minimum value that will be applied toward annuity payments or paid to the policy date, we reserve the right to prohibit premium payments and/or Beneficiary or Owner will not be less than 90% of your Purchase Payments and transfers allocated to the Enhanced Fixed Account described in this section. We will provide 30 days advance written notice Option accumulated at an annual effective interest rate of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or 3% each year, less prior withdrawals and transfers is no longer in effect Even if we are prohibiting premium payments or transfers to from the Enhanced Fixed Account funds will still roll into a new one - year Guaranteed Period Option accumulated at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Option. The current an annual effective interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period3% each year. At that timeIf necessary to meet this minimum, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest charges will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis)waived.

FIXED ACCOUNT. The Fixed Account is comprised a non-unitized separate account (designated as Separate Account B) that We use to account for amounts allocated to Guarantee Periods under the Contract. All amounts allocated to a Guarantee Period, whether Net Purchase Payments or transfers, become part of the Fixed Account. FIXED ACCOUNT VALUE When we receive a one - year Guaranteed Period Option and purchase payment, all or that portion, if any, of the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred Net Purchase Payment which is allocated to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we reserve the right to prohibit premium payments and/or transfers allocated to the Guarantee Period(s) You select. Your Fixed Account Value, if any, for any Valuation Period is equal to the sum of the values in each of the Guarantee Periods. The value in any one Guarantee Period on a Valuation Date is the accumulated value of the Net Purchase Payment (or transfer) at the Guaranteed Interest Rate minus the accumulated value of surrenders and transfers out of that Guarantee Period at the Guaranteed Interest Rate. GUARANTEE PERIODS You may select one or more Guarantee Period(s) from those We make available. The period(s) selected will determine the Guaranteed Interest Rates(s). The Net Purchase Payment or the portion thereof (or amount transferred in accordance with the transfer privilege described below) allocated to a particular Guarantee Period will earn interest at the Guaranteed Interest Rate during the Guarantee Period. Guarantee Periods begin on the Date of Deposit or, in this sectionthe case of a transfer, on the effective date of the transfer. The Guarantee Period is the number of years We credit the Guaranteed Interest Rate. The expiration date of any Guarantee Period is the last day of the Guarantee Period. Subsequent Guarantee Periods begin on the first day following the expiration date. As a result of Guarantee Period renewals, additional purchase payments and transfers of portions of the Contract Value, Guarantee Periods of the same duration may have different expiration dates and Guaranteed Interest Rates. We will provide 30 notify You In Writing at least 45 and no more than 60 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers prior to the Fixed Account funds expiration date for any Guarantee Period. A new Guarantee Period of the same duration as the previous Guarantee Period will still roll into a new one - year Guaranteed Period Option begin automatically at the end of the expiring option’s guaranteed period previous Guarantee Period unless We will offer receive Written notice to the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until contrary at least 3 business days prior to the end of that option’s Guaranteed such Guarantee Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose elect a different Guarantee Period or Subaccount from those We offer at such time. GUARANTEED INTEREST RATES We will periodically establish an applicable Guaranteed Interest Rate for each Guarantee Period We offer. These rates will be guaranteed for the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end duration of the expiring option’s respective Guarantee Periods. No Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence Interest Rate shall be less than an effective annual rate of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis)3% per year.

FIXED ACCOUNT. Options There are 2 Fixed Account Options under this Contract. The Fixed Account is comprised of a one - year Guaranteed Period Option and Options are the Dollar Cost Averaging Fixed Account Option that and the Standard Fixed Account Option. Dollar Cost Averaging Fixed Account Option The Dollar Cost Averaging Fixed Account is divided into individual Transfer Period Accounts. A new Transfer Period Account is established each time you allocate a purchase payment to the Dollar Cost Averaging Fixed Account and you choose the term length of the new Transfer Period Account. Purchase payments may not be allocated to any existing Transfer Period Account. No amount may be transferred into the Dollar Cost Averaging Fixed Account. Each Transfer Period Account is identified by the date the Transfer Period Account begins and the term length of the Transfer Period Account. Each purchase payment allocated to a Transfer Period Account must be at least $500. We will offer term lengths from which you may select for your Transfer Period Account(s), which may range from three to eighteen months; however, we may choose to offermodify or eliminate the term lengths we offer at our discretion. Premium payments applied to Amounts in a Transfer Period Account will earn interest at the rate declared for the Transfer Period Account at the time it is established. This interest rate will be in effect for the term of the Transfer Period Account. Each purchase payment and any amounts all associated interest in a Transfer Period Account must be transferred to the Fixed Account will reflect a fixed interest rateother Investment Alternatives according to your allocation instructions in equal monthly installments during the term of the Transfer Period Account. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we We reserve the right to prohibit premium payments and/or restrict the Investment Alternatives available for transfers allocated to the Fixed Account described in this sectionfrom any Transfer Period Account. We will provide 30 days advance written notice of this decisionmay offer weekly, quarterly, semi-annual or other installment transfer period alternatives, at our discretion. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that timeFor each purchase payment, the premium first transfer from a Transfer Period Account will begin on the first Valuation Date after the payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s)is received by us. You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if If we do not receive a written rejection within 30 days an allocation instruction from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPOyou when payment is received by us, the Policy Value purchase payment and all associated with interest will be transferred to the oldest premium payment or rollover is considered money market Variable Sub-account in equal installments until we have received a different allocation instruction. At the expiration of a Transfer Period Account, any residual amount will be automatically transferred to be withdrawn/transferred first the money market Variable Sub-account. If you discontinue the amount withdrawn/transferred exceeds Dollar Cost Averaging Option before the Policy Value associated with the oldest premiumexpiration of a Transfer Period Account, the Policy Value associated with remaining balance will be transferred on the next oldest premium payment or rollover is considered day we receive notification to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is money market Variable Sub-account unless you request a “First - In, First - Out” or FIFO basis)different Investment Alternative.

FIXED ACCOUNT. VALUE The value of the Fixed Account on the Investment Start Date is comprised equal to: 1. The portion of a one - year Guaranteed Period Option the initial net premium which has been paid and allocated to the Dollar Cost Averaging Fixed Option Account; MINUS 2. The portion of any monthly deductions charged to the Fixed Account. The value of the Fixed Account on any day after the Investment Start Date is equal to 1. The value on the preceding day, with interest on such values at the current applicable rates. PLUS 2. Any portion of net premium paid and allocated to the Fixed Account on that we may choose to offerday; PLUS 3. Premium payments applied to and any amounts Any amount transferred to the Fixed Account will reflect a fixed interest rateon that day; MINUS 4. The interest rates we set will be credited for increments of at least one year measured Any amount transferred from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on that day; MINUS 5. Any cash withdrawal made from the Policy Data pageFixed Account on that day; MINUS 6. After the policy date, we reserve the right to prohibit premium payments and/or transfers The portion of any transfer charge allocated to the value of the Fixed Account described in this sectionAccount; MINUS, IF THAT DAY IS A MONTHLY ANNIVERSARY, 7. We will provide 30 days advance written notice The portion of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers the monthly deduction which is no longer in effect Even if we are prohibiting premium payments or transfers charged to the Fixed Account, to cover the policy month which starts on that day. 1. We may declare rates of interest in excess of the guaranteed rate on amounts in the Fixed Account funds at any time, subject to the following conditions: the rate of excess interest on any net premiums paid during a month of the year will still roll into a new one - not change until the first day of the same month in the following year. We also may credit different rates of excess interest to premium payments made in different months of the year Guaranteed Period Option and different rates of excess interest at the end of each twelve-month period for Cash Value related to premiums received in a given month of each prior year. Transfers made into the expiring option’s guaranteed period Fixed Account will be treated as new premium payments for these purposes. We will offer credit the one - year Guaranteed Period Optionguaranteed and any excess interest on every Valuation Date. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of Once credited, that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end guaranteed and will become part of the expiring option’s Guaranteed Periodvalue in the Fixed Account from which monthly deductions are made. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds The monthly deduction will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with charged against the most recent premium payment or rollover is considered to be withdrawn/transferred premiums paid (this is a “First - In, First - Out” or FIFO basis)and transfers made) and interest credited.

FIXED ACCOUNT. FIXED ACCOUNT The Fixed Account is comprised a non-unitized separate account (designated as Separate Account B) that We use to account for amounts allocated to Guarantee Periods under the Contract. All amounts allocated to a Guarantee Period, whether Net Purchase Payments or transfers, become part of the Fixed Account. FIXED ACCOUNT VALUE When we receive a one - year Guaranteed Period Option and purchase payment, all or that portion, if any, of the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred Net Purchase Payment which is allocated to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we reserve the right to prohibit premium payments and/or transfers allocated to the Guarantee Period(s) You select. Your Fixed Account Value, if any, for any Valuation Period is equal to the sum of the values in each of the Guarantee Periods. The value in any one Guarantee Period on a Valuation Date is the accumulated value of the Net Purchase Payment (or transfer) at the Guaranteed Interest Rate minus the accumulated value of surrenders and transfers out of that Guarantee Period at the Guaranteed Interest Rate. GUARANTEE PERIODS You may select one or more Guarantee Period(s) from those We make available. The period(s) selected will determine the Guaranteed Interest Rate(s). The Net Purchase Payment or the portion thereof (or amount transferred in accordance with the Transfer Privilege Provision described below) allocated to a particular Guarantee Period will earn interest at the Guaranteed Interest Rate during the Guarantee Period. Guarantee Periods begin on the Date of Deposit or, in this sectionthe case of a transfer, on the effective date of the transfer. The Guarantee Period is the number of years We credit the Guaranteed Interest Rate. The expiration date of any Guarantee Period is the last day of the Guarantee Period. Subsequent Guarantee Periods begin on the first day following the expiration date. As a result of Guarantee Period renewals, additional purchase payments and transfers of portions of the Contract Value, Guarantee Periods of the same duration may have different expiration dates and Guaranteed Interest Rates. We will provide 30 notify You In Writing at least 45 and no more than 60 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers prior to the Fixed Account funds expiration date for any Guarantee Period. A new Guarantee Period of the same duration as the previous Guarantee Period will still roll into a new one - year Guaranteed Period Option begin automatically at the end of the expiring option’s guaranteed period previous Guarantee Period unless We will offer receive Written notice to the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until contrary at least 3 business days prior to the end of that option’s Guaranteed such Guarantee Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us elect a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed different Guarantee Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of or Subaccount from those We offer at such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis)time.

FIXED ACCOUNT. The Fixed Account is comprised of a one - one-year Guaranteed Period Option and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we reserve the right right, to prohibit premium payments and/or transfers allocated to the Fixed Account described in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect effect. Even if we are prohibiting premium payments or transfers to the Fixed Account Account, funds will still roll into a new one - one-year Guaranteed Period Option at the end of the expiring option’s guaranteed period period. We will offer the one - one-year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest interest, will be rolled into a new one - one-year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - one-year GPO, . You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - one-year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first first. If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next next, and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - First-In, First - First-Out” or FIFO basis).

FIXED ACCOUNT. The Fixed Account is comprised Option If all or part of a one - year Guaranteed Period Option and Purchase Payment is allocated to the Dollar Cost Averaging Fixed Option that Account Option, we may choose will credit interest at a specified rate on amounts prior to offer. Premium payments applied to and any amounts their being transferred to the selected Portfolios. Monthly transfers are made over the period selected by the Annuitant. The Annuitant may not make another Purchase Payment to this option until the entire value in this option has been transferred out and may not transfer money into this option. This option may not be chosen within 12 months of the Annuity Date. Upon annuitization, death of the Annuitant or a total withdrawal of the Dollar Cost Averaging Fixed Account Option, the minimum value that will reflect a fixed be paid to the Beneficiary or Annuitant will not be less than 90% of the Purchase Payments allocated to the Dollar Cost Averaging Fixed Account Option accumulated at an annual effective interest raterate of 3% each year, less prior transfers from the Dollar Cost Averaging Fixed Account Option accumulated at an annual effective interest rate of 3% each year. The interest rates we set If necessary to meet this minimum, charges will be waived. Enhanced Fixed Account Option Each Purchase Payment allocated to the Enhanced Fixed Account Option will be credited with the interest rate established for increments the date that we receive the Purchase Payment. This rate will apply to the Purchase Payment for an initial period of at least one year measured 12 months from the date we receive it. We can adjust the interest rate after the completion of that initial period. The adjusted rate will apply to that Purchase Payment and its credited interest for at least 12 months, when the rate can again be adjusted. From then on, we cannot adjust the interest rate more often than every 12 months. Different interest rates may apply to each premium payment Purchase Payment depending on the interest rate established for the date that we received the Purchase Payment and any subsequent rate adjustments. For the purpose of crediting interest, when a withdrawal is taken or a transfer dateis made from the Enhanced Fixed Account Option, the last Purchase Payment made, and the interest credited to it, is considered to be withdrawn first. These rates will never If a withdrawal is taken while a distribution charge applies, the withdrawal may be less than the Purchase Payment(s). Upon annuitization, death of the Annuitant, or a total withdrawal from the Enhanced Fixed Account Option, the minimum value that will be applied toward annuity payments or paid to the Beneficiary or Annuitant will not be less than 90% of the Purchase Payments and transfers allocated to the Enhanced Fixed Account Option accumulated at an annual effective interest rate of 3% each year, less prior withdrawals and transfers from the Enhanced Fixed Account Option accumulated at an annual effective interest rate of 3% each year. If necessary to meet this minimum, charges will be waived. Guaranteed Minimum Effective Annual Interest Rate Period Fixed Account Option If money is allocated to the Guaranteed Interest Period Fixed Account Option, we will credit interest at a specified rate for a Guaranteed Period. The Annuitant may select different Guaranteed Periods for each amount allocated to this option, and each allocation starts a new Guaranteed Period. Each Guaranteed Period we offer may have a different interest rate. We may change the rates we offer for new Guaranteed Periods at any time. In the future we may offer Guaranteed Periods of different lengths or stop offering some Guaranteed Periods. Money allocated to a Guaranteed Period under this option matures the day after the Guaranteed Period ends. Within 30 days after the end of the Guaranteed Period, the Annuitant may: • take no action and we will automatically apply the value to a new Guaranteed Period of the same or next shorter duration. The next shorter duration will be used if the prior Guaranteed Period is not currently available. The new Guaranteed Period earns interest at the then current interest rate for that Guaranteed Period and begins the day after the prior Guaranteed Period ended; or • notify us to allocate all or a portion of the value to one or more new Guaranteed Periods beginning the day after the prior Guaranteed Period ended; or • notify us to allocate all or a portion of the value to one or more of the Portfolios on the day we receive the notification; or • withdraw all or a portion of the value. If the Annuitant selects one of the last two alternatives, we will credit interest at the rate we are currently offering for Guaranteed Periods of the same or next shorter duration from the day after the Guaranteed Period ended until the day we receive the instructions. If the Annuitant moves money out before the end of a Guaranteed Period, either as a transfer, withdrawal, or to purchase annuity payments, there will be a Market Value Adjustment (MVA). The formula used to calculate the MVA is shown on the Policy Data contract data page. After The MVA is based primarily on the policy datedifference between the interest rate being credited to the money you move and the current interest rate offered for a Guaranteed Period of the same duration. In general, if interest rates have dropped, the MVA will be positive and if interest rates have risen, it will be negative. Unless we are instructed otherwise, the MVA will be applied to your remaining contract value. If amounts are taken from more than one Guaranteed Period at the same time, the MVA is calculated individually for each Guaranteed Period. We will not apply an MVA if the Annuitant moves money within 30 days after the end of a Guaranteed Period. Upon annuitization, death of the Annuitant, or a total withdrawal from a Guaranteed Period, the minimum value that will be applied toward annuity payments or paid to the Beneficiary or Annuitant will not be less than 90% of the original amount allocated to that Guaranteed Period accumulated at an annual effective interest rate of 3%, less prior withdrawals and transfers from that Guaranteed Period accumulated at an annual effective interest rate of 3% each year. If necessary to meet this minimum, the MVA will be adjusted or charges will be waived. CONTRACT VALUE The contract value is the sum of the values in the Portfolios and the Fixed Account Options attributable to the Contract. We calculate this by: • adding all the Purchase Payments invested; • subtracting the charges which have been deducted; • subtracting the withdrawals made (adjusted for any MVA); • adjusting for any MVA on amounts that were transferred to the Portfolios; • adjusting for each Portfolio’s gain or loss; • adding the interest we credit to each Fixed Account Option while any of the contract value is in that option; • subtracting the amounts withdrawn for an annuity option; and • subtracting the amounts withdrawn to pay the death benefit. TRANSFERS During the Accumulation Phase, the Annuitant can transfer money between investment options. (For purposes of these transfer provisions, “investment options” does not include the Dollar Cost Averaging Fixed Account Option.) The minimum amounts that can be transferred are shown on the contract data page. In each Contract Year a specified number of transfers are free of charge. Each additional transfer in a Contract Year may have a transfer charge. The number of free transfers and the transfer charge are shown on the contract data page. We reserve the right to modify, suspend, or terminate transfer privileges at any time. In addition, if we receive a transfer request that is to be allocated to a Fixed Account Option and we are not able to invest the money such that we can credit at least the minimum guaranteed interest rate, we reserve the right to prohibit premium payments and/or transfers reject the portion of the transfer request that was to be allocated to the Fixed Account described in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis).

FIXED ACCOUNT. The Fixed Account is comprised a separate account under state insurance law and is not required to be registered with the Securities and Exchange Commission under the Investment Company Act of 1940. The Fixed Account includes your Single Premium Paid which we credit with fixed rates of interest for the Guarantee Period you select. We reset the interest rates for subsequent Guarantee Periods based on our sole discretion. GUARANTEE PERIODS The Initial Guarantee Period is selected by you from among the durations then being offered by the Company and is shown in The Schedule on page 3. The length of the Initial Guarantee Period will determine the Initial Guaranteed Interest Rate. Upon the expiry of a one - year Guaranteed Guarantee Period, a subsequent Guarantee Period Option and will begin. Each subsequent Guarantee Period will be the Dollar Cost Averaging Fixed Option that we may choose to offersame length as the previous Guarantee Period, unless a) you elect a different duration from among those then being offered by the Company; or b) the new Guarantee Period would extend beyond the Annuity Commencement Date then in effect. Premium payments applied to and any amounts transferred If the period remaining from the expiry of the previous Guarantee Period to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be Annuity Commencement Date is less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on period you have elected or the Policy Data page. After period expiring, the policy date, we reserve next shortest period then available that will not extend beyond the right Annuity Commencement Date will be offered to prohibit premium payments and/or transfers allocated to the Fixed Account described in this sectionyou. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers notify you prior to the Fixed Account funds will still roll into Maturity Date of your options for renewal. In order to elect a new one - year Guaranteed Period Option at different Guarantee Period, you must notify the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days Company in writing before the end of the expiring option’s Guaranteed 30-day period immediately preceding the Maturity Date of the current Guarantee Period. However, any Guaranteed Period elected You may not select a Guarantee Period that would extend beyond the maximum Annuity Commencement Date defined then in Section 11effect. In We reserve the absence right to offer Guarantee Periods of such election, durations other than those available on the funds Contract Date. We also reserve the right to cease offering a particular Guarantee Period or Periods. GA-IA-1070 8 6/00 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE (continued) ---------------------------------------------------------------------------- MARKET VALUE ADJUSTMENTS A Market Value Adjustment will be rolled into a new one - year GPOapplied upon withdrawal or application to an Income Plan if made more than 30 days prior to the Maturity Date of the current Guarantee Period, You except on free Partial Withdrawal amounts as described on page 10. Market Value Adjustments will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed applied as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis).follows:

FIXED ACCOUNT. The Fixed Account is comprised of a one - one-year Guaranteed Period Option and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we reserve the right right, to prohibit premium payments and/or transfers allocated to the Fixed Account described in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect effect. Even if we are prohibiting premium payments or transfers to the Fixed Account Account, funds will still roll into a new one - one-year Guaranteed Period Option at the end of the expiring option’s guaranteed period period. We will offer the one - one-year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest interest, will be rolled into a new one - one-year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - one-year GPO, . You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - one-year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first first. If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next next, and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - InFirst-ln, First - First-Out” or FIFO basis).

FIXED ACCOUNT. Allocation and credits to Fixed Account -- The Fixed Account is comprised of a one - year Guaranteed Period Option will receive the net payments allocated to it, guaranteed interest, excess interest and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any dollar amounts transferred from the Variable Account. On the date we receive your purchase payment for the Fixed Account, the net payment will be allocated to this account. As of the date we receive your request to transfer an amount from the Variable Account, such amount will be deposited to the Fixed Account will reflect a fixed Account. All purchase payments must be received at the Home Office. Guaranteed interest rate. The rate -- Prior to the Maturity Date, guaranteed interest rates we set will be credited to the Fixed Account. The guaranteed interest rate is shown on the Certificate Data page. This interest will be credited from: 1. the date the purchase payment is received by us; or 2. the date a dollar amount is transferred from the Variable Account. Excess interest rate -- We may pay interest in excess of the guaranteed amount. This excess interest will be credited on a daily basis to the Fixed Account. Any excess interest paid, as determined by us, will be applied on an equitable basis and credited to this class of certificates. The excess interest will be over and above the guaranteed interest applied to this class of certificates. Renewal of Fixed Account -- The Fixed Account will be automatically renewed on its Renewal Date. The new Renewal Date will be set for increments a period equal to the initial renewal period. You may choose a different Renewal Date if allowed by us. If you choose, you may withdraw the fixed cash value of the Fixed Account without charge or penalty on the Renewal Date. We will send you a notice 90 days prior to the Renewal Date. This notice will explain your renewal rights. If you want a different Renewal Date or choose to withdraw the fixed cash value, your request must be received at least one year measured from 30 days prior to the Renewal Date. If we do not receive a request, we will automatically renew your Fixed Account. Upon each premium payment or transfer daterenewal, a new Certificate Data page will be sent to you. The guaranteed interest rate and the guaranteed settlement option factors are established on the Certificate Date. These rates will never be less than changed. Transfers -- You may transfer money from the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown to various divisions of the Variable Account. Any 1 transfer must be for an amount not less than $1,000. A partial transfer may not be made if such transfer would reduce the Fixed Account's cash value to less than $600. Transfers must be made at least 30 days prior to the Maturity Date. The early withdrawal penalty will be charged when transfers are made at any time other than on the Policy Data pageRenewal Date. After Your request to make a transfer must be sent to the policy dateHome Office. An approved transfer will be made as of the date we receive your request. Fixed Account cash withdrawal and surrender privilege -- You may at any time during the Annuitant's lifetime and prior to the Maturity Date, elect to withdraw part or surrender all of the fixed cash value. Any one withdrawal must be for an amount not less than $200. We will deduct the surrender charges and early withdrawal penalties, if any, from the fixed cash value. The amount due will be sent to you. We will figure the fixed cash value of your account as of the date we receive your written request. The written request must be on a form satisfactory to us. The request must be sent to the Home Office. The payment is usually paid within 30 days. However, we reserve the right to prohibit premium payments and/or postpone payment for not more than 6 months from the date your request was received by us. If payment is deferred after the 30 days, we will continue to credit current interest, if any. Surrender charge -- The surrender charge during the first 5 years is a portion of the fixed cash value kept by us if you make a cash withdrawal from or surrender the Fixed Account. The rate varies by certificate year as shown on the Certificate Data page. There is no surrender charge after the fifth certificate year. Early withdrawal penalty -- The early withdrawal penalty is a portion of the fixed cash value kept by us if you make a partial withdrawal, make a transfer to the Variable Account or surrender this certificate for its total cash value. There will be no early withdrawal penalty for cash withdrawals, transfers allocated or surrenders on any Renewal Date. The early withdrawal penalty is established on the Certificate Date. This fee will not be changed throughout the lifetime of the certificate prior to the Maturity Date. Waiver of charges and penalties -- No surrender charge or early withdrawal penalty will be made on a partial withdrawal from the Fixed Account described in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers a transfer to the Fixed Variable Account funds will still roll into a new one - year Guaranteed Period Option at if all the end of following occur: 1. it is made after the expiring option’s guaranteed period We will offer certificate has been in force 2 years; 2. it is more than 12 months since the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made last transfer or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis).withdrawal was made; and

FIXED ACCOUNT. The Fixed Account is comprised of a one - one-year Guaranteed Period Option and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we reserve the right to prohibit premium payments and/or transfers allocated to the Fixed Account described in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account funds will still roll into a new one - one-year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - one–year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - one–year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - one-year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - First-In, First - First-Out” or FIFO basis).

FIXED ACCOUNT. FIXED ACCOUNT The Fixed Account is comprised a non-unitized separate account (designated as Separate Account B) that We use to account for amounts allocated to Guarantee Periods under the Contract. All amounts allocated to a Guarantee Period, whether Net Purchase Payments or transfers, become part of the Fixed Account. FIXED ACCOUNT VALUE When we receive a one - year Guaranteed Period Option and purchase payment, all or that portion, if any, of the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred Net Purchase Payment which is allocated to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we reserve the right to prohibit premium payments and/or transfers allocated to the Guarantee Period(s) You select. Your Fixed Account Value, if any, for any Valuation Period is equal to the sum of the values in each of the Guarantee Periods. The value in any one Guarantee Period on a Valuation Date is the accumulated value of the Net Purchase Payment (or transfer) at the Guaranteed Interest Rate minus the accumulated value of surrenders and transfers out of that Guarantee Period at the Guaranteed Interest Rate. GUARANTEE PERIODS You may select one or more Guarantee Period(s) from those We make available. The period(s) selected will determine the Guaranteed Interest Rates(s). The Net Purchase Payment or the portion thereof (or amount transferred in accordance with the transfer privilege described below) allocated to a particular Guarantee Period will earn interest at the Guaranteed Interest Rate during the Guarantee Period. Guarantee Periods begin on the Date of Deposit or, in this sectionthe case of a transfer, on the effective date of the transfer. The Guarantee Period is the number of years We credit the Guaranteed Interest Rate. The expiration date of any Guarantee Period is the last day of the Guarantee Period. Subsequent Guarantee Periods begin on the first day following the expiration date. As a result of Guarantee Period renewals, additional purchase payments and transfers of portions of the Contract Value, Guarantee Periods of the same duration may have different expiration dates and Guaranteed Interest Rates. We will provide 30 notify You In Writing at least 45 and no more than 60 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers prior to the Fixed Account funds expiration date for any Guarantee Period. A new Guarantee Period of the same duration as the previous Guarantee Period will still roll into a new one - year Guaranteed Period Option begin automatically at the end of the expiring option’s guaranteed period previous Guarantee Period unless We will offer receive Written notice to the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until contrary at least 3 business days prior to the end of that option’s Guaranteed such Guarantee Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us elect a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed different Guarantee Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of or Subaccount from those We offer at such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis)time.

FIXED ACCOUNT. Allocation and credits to Fixed Account -- The Fixed Account is comprised of a one - year Guaranteed Period Option will receive the net payment allocated to it, guaranteed interest, excess interest and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any dollar amounts transferred from the Variable Account. On the date we receive your purchase payment for the Fixed Account, the net payment will be allocated to this account. As of the date we receive your request to transfer an amount from the Variable Account, such amount will be deposited to the Fixed Account will reflect a fixed Account. Guaranteed interest rate. The rate -- Prior to the Maturity Date, guaranteed interest rates we set will be credited for increments of at least one year measured on a daily basis to the Fixed Account. The guaranteed interest rate is shown on the Contract Data pages. This interest will be credited from: 1. the date the purchase payment is received by us; or 2. the date a dollar amount is transferred from each premium payment or transfer datethe Variable Account. The guaranteed interest rate and the guaranteed annuity income option rates are established on the Contract Date. These rates will never be less than changed. Excess interest rate -- We may pay interest in excess of the guaranteed amount. This excess interest will be credited on a daily basis to the Fixed Account. Transfers -- You may transfer money from the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on to various divisions of the Policy Data pageVariable Account. After Any 1 transfer must be for an amount not less than $200. A partial transfer may not be made if such transfer would reduce the policy dateFixed Account's cash value to less than $200. Your written request to make a transfer must be sent to the Home Office. An approved transfer will be made as of the date we receive your request. Fixed Account cash withdrawal and surrender privilege -- You may at any time during the Annuitant's lifetime and prior to the Maturity Date, elect to withdraw part or surrender all of the fixed cash value. Any 1 withdrawal must be for an amount not less than $200. We will deduct the surrender charges, if any, from the fixed cash value. The amount due will be sent to you. We will figure the fixed cash value of your account as of the date we receive your written request. The written request must be in a form satisfactory to us. The request must be sent to the Home Office. The payment is usually paid within 30 days. However, we reserve the right to prohibit premium payments and/or transfers allocated postpone payment for not more than 6 months from the date your request was received by us. If payment is deferred after the 30 days, we will continue to credit current interest, if any. Surrender charge -- A surrender charge is deducted from your fixed cash value if you make a cash withdrawal from or surrender the Fixed Account described in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Optionfixed cash value. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until varies by contract year as shown on the end Contract Data pages. Waiver of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest charges -- No surrender charge will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis).apply:

FIXED ACCOUNT. Options The Fixed Account is comprised Options are the Short Term Dollar Cost Averaging Fixed Account, the Extended Short Term Dollar Cost Averaging Fixed Account, and the Guarantee Periods of the Guaranteed Maturity Fixed Account. Short Term Dollar Cost Averaging Fixed Account Money in the Short Term Dollar Cost Averaging Fixed Account will earn interest at the annual rate in effect at the time of allocation to the Short Term Dollar Cost Averaging Fixed Account. Each purchase payment and associated interest in the Short Term Dollar Cost Averaging Fixed Account must be transferred to Sub-Accounts of the Variable Account according to your current allocation instructions in equal monthly installments within the selected transfer period. You may select a one - year Guaranteed Period Option and transfer period of no less than 3 months or more than 6 months. If you discontinue the Dollar Cost Averaging program before the end of the transfer period, the remaining balance in the Short Term Dollar Cost Averaging Fixed Option Account will be transferred to the Money Market Variable Sub-Account unless you request a different Investment Alternative. At the end of the transfer period, any residual amount will be automatically transferred to the Money Market Variable Sub-Account. No amount may be transferred into the Short Term Dollar Cost Averaging Fixed Account. For each purchase payment, the first transfer from the Short Term Dollar Cost Averaging Fixed Account must occur within one month of the date of payment. If we do not receive an allocation instruction from you within one month of the date of payment, the payment plus associated interest will be transferred to the Money Market Variable Sub-Account in equal monthly installments within the selected transfer period until we have received a different allocation instruction. Extended Short Term Dollar Cost Averaging Fixed Account Money in the Extended Short Term Dollar Cost Averaging Fixed Account will earn interest at the annual rate in effect at the time of allocation to the Extended Short Term Dollar Cost Averaging Fixed Account. Each purchase payment and associated interest in the Extended Short Term Dollar Cost Averaging Fixed Account must be transferred to Sub-Accounts of the Variable Account according to your current allocation instructions in equal monthly installments within the selected transfer period. You may select a transfer period of no less than 7 months or more than 12 months. If you discontinue the Dollar Cost Averaging program before the end of the transfer period, the remaining balance in the Extended Short Term Dollar Cost Averaging Fixed Account will be transferred to the Money Market Variable Sub-Account unless you request a different Investment Alternative. At the end of the transfer period, any residual amount will be automatically transferred to the Money Market Variable Sub-Account. No amount may be transferred into the Extended Short Term Dollar Cost Averaging Fixed Account. For each purchase payment, the first transfer from the Extended Short Term Dollar Cost Averaging Fixed Account must occur within one month of the date of payment. If we do not receive an allocation instruction from you within one month of the date of payment, the payment plus associated interest will be transferred to the Money Market Variable Sub-Account in equal monthly installments within the selected transfer period until we have received a different allocation instruction. Guaranteed Maturity Fixed Account The Guaranteed Maturity Fixed Account is divided into Guarantee Periods. A Guarantee Period is identified by the date the Guarantee Period begins and the duration of the Guarantee Period. You create a Guarantee Period when: o you make a purchase payment; or o you select a new Guarantee Period after the prior Guarantee Period expires; or o you transfer an amount from an existing Sub-Account of the Variable Account, from another Guarantee Period of the Guaranteed Maturity Fixed Account, or from any Fixed Account Options. You must select the Guarantee Period for all purchase payments and transfers allocated to the Guaranteed Maturity Fixed Account. If you do not select a Guarantee Period for a purchase payment or transfer, we will assign the same period(s) as used for the most recent purchase payment. Guarantee Periods are offered at our discretion and may range from one to ten years. We may change the Guarantee Periods available for future purchase payments or transfers allocated to the Guaranteed Maturity Fixed Account. We will mail you a notice prior to the expiration of each Guarantee Period outlining the options available at the end of the Guarantee Period. During the 30 day period after a Guarantee Period expires you may: o take no action and we will automatically apply the Guarantee Period value to a Guarantee Period of the same duration as the Guarantee Period that just expired to be established on the day the previous Guarantee Period expired; or o notify us to apply the Guarantee Period value to a new Guarantee Period(s) to be established on the day the previous Guarantee Period expired; or o notify us to apply the Guarantee Period value to any Sub-Account of the Variable Account on the day we receive the notification; or o receive a portion of the Guarantee Period value or the entire Guarantee Period value through a partial or full withdrawal that is not subject to a Market Value Adjustment; however, taxes may choose apply. We will pay interest from the date the Guarantee Period expires until the date of the withdrawal. Crediting Interest We credit interest daily to offer. Premium payments applied to and any amounts transferred money allocated to the Fixed Account Options at rates which compound over one year at the current annualized interest rates when the money was allocated. We will reflect a fixed credit interest rateto the initial purchase payment from the issue date. We will credit interest to subsequent purchase payments from the date we receive them. We will credit interest to transfers from the date the transfer is made. The annual interest rates we set will be credited rate for increments of at least one year measured from each premium payment or transfer date. These rates the Short Term Dollar Cost Averaging Fixed Account and the Extended Short Term Dollar Cost Averaging Fixed Account will never be less than 3%. Transfers Prior to the Payout Start Date, you may transfer amounts between Investment Alternatives. You may make 12 transfers per Contract Year without charge. Each transfer after the 12th transfer in any Contract Year may be assessed a $10 transfer fee. Transfers are subject to the following restrictions: o No amount may be transferred into the Short Term Dollar Cost Averaging Fixed Account or the Extended Short Term Dollar Cost Averaging Fixed Account. At the end of the transfer period, any remaining portion of the purchase payment and interest in the Short Term Dollar Cost Averaging Fixed Account or the Extended Short Term Dollar Cost Averaging Fixed Account will be allocated to other Investment Alternatives as set forth in the current Short Term Dollar Cost Averaging Fixed Account or the Extended Short Term Dollar Cost Averaging Fixed Account allocations. o Any transfer from a Guarantee Period of the Guaranteed Minimum Effective Annual Interest Rate shown on Maturity Fixed Account will be subject to a Market Value Adjustment unless the Policy Data pagetransfer occurs during the 30 day period after the Guarantee Period expires. After the policy date, we o We reserve the right to prohibit premium payments and/or limit the number of transfers allocated among the Variable Sub-Accounts in any Contract Year or to refuse any transfer request for an Owner or certain Owners if, in our sole discretion, we believe that: o excessive trading by such Owner or Owners or a specific transfer request or group of transfer requests may have a detrimental effect on Unit Values or the share prices of the underlying mutual funds or would be to the Fixed Account described disadvantage of other Contract Owners; or o We are informed by one or more of the underlying mutual funds that the purchase or redemption of shares is to be restricted because of excessive trading or a specific transfer or group of transfers is deemed to have a detrimental effect on share prices of affected underlying mutual funds. Such restrictions may be applied in any manner which is reasonably designed to prevent any use of the transfer right which is considered by us to be to the disadvantage of the other Contract Owners. We reserve the right to waive the transfer fees and restrictions contained in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis)Contract.

FIXED ACCOUNT. Allocation and credits to Fixed Account -- The Fixed Account is comprised of a one - year Guaranteed Period Option will receive the net payment allocated to it, guaranteed interest, excess interest and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any dollar amounts transferred from the Variable Account. On the date we receive your purchase payment for the Fixed Account, the net payment will be allocated to this account. As of the date we receive your request to transfer an amount from the Variable Account, such amount will be deposited to the Fixed Account will reflect a fixed Account. Guaranteed interest rate. The rate -- Prior to the Maturity Date, guaranteed interest rates we set will be credited for increments of at least one year measured on a daily basis to the Fixed Account. The guaranteed interest rate is shown on the Contract Data pages. This interest will be credited from: 1. the date the purchase payment is received by us; or 2. the date a dollar amount is transferred from each premium payment or transfer datethe Variable Account. The guaranteed interest rate and the guaranteed annuity income option rates are established on the Contract Date. These rates will never be less than changed. Excess interest rate -- We may pay interest in excess of the guaranteed amount. This excess interest will be credited on a daily basis to the Fixed Account. Renewal of Fixed Account -- The fixed portion of your contract will be automatically renewed on the contract Renewal Date. The new Renewal Date will be set for a period equal to the initial renewal period. You may choose a different renewal period if allowed by us. If you choose, you may withdraw your fixed cash value from the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown without charge or penalty on the Policy Renewal Date. We will send you a notice 90 days prior to the Renewal Date. This notice will explain your renewal rights. If you want a different Renewal Date or choose to withdraw the fixed cash value, your written request must be received at the Home Office prior to the Renewal Date. If we do not receive a written request, we will automatically renew the fixed portion of your contract. Upon each renewal, new Contract Data pagepages will be sent to you. After Transfers -- You may transfer money from the policy dateFixed Account to various divisions of the Variable Account. Any 1 transfer must be for an amount not less than $200. A partial transfer may not be made if such transfer would reduce the Fixed Account's cash value to less than $200. The early withdrawal penalty will be charged when transfers are made at any time other than on the Renewal Date. Your written request to make a transfer must be sent to the Home Office. An approved transfer will be made as of the date we receive your request. Fixed Account cash withdrawal and surrender privilege -- You may at any time during the Annuitant's lifetime and prior to the Maturity Date, elect to withdraw part or surrender all of the fixed cash value. Any 1 withdrawal must be for an amount not less than $200. We will deduct the surrender charges and early withdrawal penalties, if any, from the fixed cash value. The amount due will be sent to you. We will figure the fixed cash value of your account as of the date we receive your written request. The written request must be in a form satisfactory to us. The request must be sent to the Home Office. The payment is usually paid within 30 days. However, we reserve the right to prohibit premium payments and/or transfers allocated postpone payment for not more than 6 months from the date your request was received by us. If payment is deferred after the 30 days, we will continue to credit current interest, if any. Surrender charge -- A surrender charge is deducted from your fixed cash value if you make a cash withdrawal from or surrender the fixed cash value. The rate varies by contract year as shown on the Contract Data pages. Early withdrawal penalty -- An early withdrawal penalty is deducted from your fixed cash value if you make a partial withdrawal from, make a transfer to the Fixed Variable Account described in this sectionor surrender your fixed cash value. We There will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or be no early withdrawal penalty for cash withdrawals, transfers is no longer in effect Even if we are prohibiting premium payments or transfers to surrenders made on the Fixed Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period OptionRenewal Date. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) early withdrawal penalty is guaranteed until shown on the end Contract Data pages. Waiver of that option’s Guaranteed Period. At that time, the premium payment made charges and penalties -- No surrender charge or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest early withdrawal penalty will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis).apply:

FIXED ACCOUNT. Allocation and credits to Fixed Account -- The Fixed Account is comprised of a one - year Guaranteed Period Option will receive the net payments allocated to it, guaranteed interest, excess interest and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any dollar amounts transferred from the Variable Account. On the date we receive your purchase payment for the Fixed Account, the net payment will be allocated to this account. As of the date we receive your request to transfer an amount from the Variable Account, such amount will be deposited to the Fixed Account will reflect a fixed Account. All purchase payments must be received at the Home Office. Guaranteed interest rate. The rate -- Prior to the Maturity Date, guaranteed interest rates we set will be credited to the Fixed Account. The guaranteed interest rate is shown on the Contract Data page. This interest will be credited from: 1. the date the purchase payment is received by us; or 2. the date a dollar amount is transferred from the Variable Account. Excess interest rate -- We may pay interest in excess of the guaranteed amount. This excess interest will be credited on a daily basis to the Fixed Account. Any excess interest paid, as determined by us, will be applied on an equitable basis and credited to this class of contracts. The excess interest will be over and above the guaranteed interest applied to this class of contracts. Renewal of Fixed Account -- The Fixed Account will be automatically renewed on its Renewal Date. The new Renewal Date will be set for increments a period equal to the initial renewal period. You may choose a different Renewal Date if allowed by us. If you choose, you may withdraw the fixed cash value of the account without charge or penalty on the Renewal Date. We will send you a notice 90 days prior to the Renewal Date. This notice will explain your renewal rights. If you want a different Renewal Date or choose to withdraw the fixed cash value, your request must be received at least one year measured from 30 days prior to the Renewal Date. If we do not receive a request, we will automatically renew your Fixed Account. Upon each premium payment or transfer daterenewal, a new Contract Data page will be sent to you. The guaranteed interest rate and the guaranteed settlement option factors are established on the Contract Date. These rates will never be less than changed. Transfers -- You may transfer money from the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown to various divisions of the Variable Account. Any 1 transfer must be for an amount not less than $1,000. A partial transfer may not be made if such transfer would reduce the Fixed Account's cash value to less than $600. Transfers must be made at least 30 days prior to the Maturity Date. The early withdrawal penalty will be charged when transfers are made at any time other than on the Policy Data pageRenewal Date. After Your request to make a transfer must be sent to the policy dateHome Office. An approved transfer will be made as of the date we receive your request. Fixed Account cash withdrawal and surrender privilege -- You may at any time during the Annuitant's lifetime and prior to the Maturity Date, elect to withdraw part or surrender all of the fixed cash value. Any 1 withdrawal must be for an amount not less than $200. We will deduct the surrender charges and early withdrawal penalties, if any, from the fixed cash value. The amount due will be sent to you. We will figure the fixed cash value of your account as of the date we receive your written request. The written request must be on a form satisfactory to us. The request must be sent to the Home Office. The payment is usually paid within 30 days. However, we reserve the right to prohibit premium postpone payment for not more than 6 months from the date your request was received by us. If payment is deferred after the 30 days, we will continue to credit current interest, if any. Surrender charge -- The surrender charge during the first 5 years is a portion of the fixed cash value kept by us if you make a cash withdrawal from or surrender your Fixed Account. The rate varies by contract year as shown on the Contract Data page. There is no surrender charge after the fifth contract year. Early withdrawal penalty -- The early withdrawal penalty is a portion of the fixed cash value kept by us if you make a partial withdrawal, make a transfer to the Variable Account or surrender this contract for its total cash value. There will be no early withdrawal penalty for cash withdrawals, transfers or surrenders on the Renewal Date. The early withdrawal penalty is established on the Contract Date. This fee will not be changed throughout the lifetime of the contract prior to the Maturity Date. Waiver of charges and penalties -- No surrender charge or early withdrawal penalty will be made on a partial withdrawal from the Fixed Account or a transfer to the Variable Account if all the following occur: 1. it is made after the contract has been in force 2 years; 2. it is more than 12 months since the last transfer or withdrawal was made; and 3. the amount is not more than 15 percent of the then current fixed cash value. No surrender charge or early withdrawal penalty will be made: 1. on any fixed cash value applied to the payment of either settlement Options 1, 2, 6 or 7; or 2. on or after the Maturity Date if the contract has been in force for at least 10 years; or 3. if annuity income payments and/or transfers allocated are selected to be made in equal installments over a period of at least 5 years; during such period the elected annuity benefit cannot be surrendered; or 4. if an Annuitant is disabled continuously for 3 months and satisfactory proof of such disability is sent to the Home Office. Guaranteed return of payments -- We guarantee the return of the purchase payment credited to the Fixed Account described in this section. We will provide 30 days advance written notice or the surrender value of the Fixed Account, whichever is greater, upon surrender of this decisioncontract if: 1. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is the contract has been in force more than 2 years; and 2. no longer in effect Even if we are prohibiting premium payments cash withdrawals or transfers to the Fixed Variable Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option’s guaranteed period We will offer the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option’s Guaranteed Period. At that time, the premium payment have been made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option’s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a “First - In, First - Out” or FIFO basis)Fixed Account.