Common use of INTEREST TO BE CREDITED Clause in Contracts

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at promotional rates that are higher than those We credit to the Regular Fixed Account. All interest rates We quote are effective annual interest rates - this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate office, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer date. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and other contracts to the Variable Account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied to the variable subaccounts will be allocated as specified by You. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described below. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Data. We may also: - add additional variable subaccounts investing in other funds, - combine any two or more variable subaccounts, - transfer assets to and from the variable subaccounts or the Variable Account, and - eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is delivered. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for variable subaccounts chosen by You is found by:

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at promotional rates that are higher than those We credit to the Regular Fixed Account. All interest rates We quote are effective annual interest rates - this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate office, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer date. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and other contracts to the Variable AccountAccount with a value at least equal to the reserves and other contract liabilities with respect to such account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied to the variable subaccounts will be allocated as specified by You. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described below. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Data. We may also: - add additional variable subaccounts investing in other funds, - combine any two or more variable subaccounts, - transfer assets to and from the variable subaccounts or the Variable Account, and - eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is delivered. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for variable subaccounts chosen by You is found by:

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at promotional rates that are higher than those We credit to the Regular Fixed Account. All interest rates We quote are effective annual interest rates - rates—this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate officeservice center, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer dateuse. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Guaranteed Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and other contracts to the Variable Account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied transferred to the variable subaccounts will be allocated as specified by You. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described belowsubaccount. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Datafunds. We may also: - • add additional variable subaccounts investing in other funds, - • combine any two or more variable subaccounts, - • transfer assets to and from the variable subaccounts or the Variable Account, and - • eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is deliveredissued for delivery. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for variable subaccounts chosen by You is found determined by:

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at promotional rates that are higher than those We credit to the Regular Fixed Account. All interest rates We quote are effective annual interest rates - this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate office, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer date. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of several variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and certain other contracts to the Variable Account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Accountseparate account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied to the variable subaccounts will be allocated as specified by Youthe Owner. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described below. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Data. We may also: - add additional variable subaccounts investing in other funds, - combine any two or more variable subaccounts, - transfer assets to and from the variable subaccounts or the Variable Account, and - eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is delivered. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for each of Your variable subaccounts chosen by You is found byby adding the number of accumulation units resulting from:

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at higher promotional rates that are higher than those We credit to the Regular Fixed Accountrates. All interest rates We quote are effective annual interest rates - this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate office, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer dateuse. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and other contracts to the Variable Account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied to the variable subaccounts will be allocated as specified by Youthe Participants. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described below. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Data. We may also: - add additional variable subaccounts investing in other funds, - combine any two or more variable subaccounts, - transfer assets to and from the variable subaccounts or the Variable Account, and - eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is delivered. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for each variable subaccounts subaccount chosen by You a Participant is found by:

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at promotional rates that are higher than those We credit to the Regular Fixed Account. All interest rates We quote are effective annual interest rates - rates—this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate officeservice center, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer dateuse. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Guaranteed Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and other contracts to the Variable AccountAccount with a value at least equal to the reserves and other contract liabilities with respect to such account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied transferred to the variable subaccounts will be allocated as specified by You. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described belowsubaccount. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Datafunds. We may also: - • add additional variable subaccounts investing in other funds, - • combine any two or more variable subaccounts, - • transfer assets to and from the variable subaccounts or the Variable Account, and - • eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is deliveredof New York. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for variable subaccounts chosen by You is found determined by:

INTEREST TO BE CREDITED. We The Company will credit interest to the Fixed Account dailyCertificate Value. We may credit Such interest will be credited at such rate or rates as the Company prospectively declares from time to each Special DCA Fixed Account time, at promotional the sole discretion of the Company. Such rates that are higher than those We credit will be declared to the Regular Fixed AccountCertificate Owner in writing after each quarterly period. All interest Any such rate or rates We quote so determined, for which deposits are effective annual interest rates - this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate office, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation modelreceived, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer date. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently remain in effect for new and existing company annuities, product design, competition, and the company's revenues and expensesa period of not less than 12 months. However, the rate Company guarantees that it will never be credit interest at not less than 3.0% per year or any lesser amount as permitted by state law. VARIABLE ACCOUNT CERTIFICATE VALUE The Variable Account Certificate Value is the Fixed sum of the value of all Variable Account Minimum Interest Rate shown Accumulation Units under Contract Datathis Certificate Agreement. Your interest rate for each purchase payment If: (1) part or transfer all of the Variable Account Certificate Value is surrendered; or (2) charges or deductions are made against the Variable Account Certificate Value; then, an appropriate number of Accumulation Units will never change more frequently than annuallybe canceled or surrendered to equal such amount. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Oursthe Company. It consists of variable subaccounts which are named under Contract Data. We have The Company has allocated a part of Our its assets for this the Contract and certain other contracts to the Variable Account. Such assets of the Variable Account remain Our propertythe property of the Company. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall they may not be charged with the liabilities arising out of from any other business in which We the Company may take part. Income, gains, and losses, whether or not realized from assets allocated to the The Variable Account, are credited or charged to such account without regard to other income, gains or losses Account is divided into Sub-Accounts which invest in shares of the companyMutual Funds. Purchase payments are allocated among one or more of these Sub-Accounts, as designated by the Certificate Owner. INVESTMENTS OF THE VARIABLE ACCOUNT The Purchase payments and transfer amounts Payments applied to the variable subaccounts Variable Account will be allocated as specified by You. Each variable subaccount will buy, invested at net asset value, shares value in one or more of the fund for that variable subaccount shown under Contract Data or as later added or changed as described below. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Data. We may also: - add additional variable subaccounts investing in other funds, - combine any two or more variable subaccounts, - transfer assets to and from the variable subaccounts or the Variable Account, and - eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is deliveredSub-Accounts. VALUATION OF ASSETS Mutual Fund shares in the variable subaccounts Variable Account will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS UNITS (2) the Accumulation Unit value for the Sub-Account for the Valuation Period during which the Company received the Purchase Payment. VARIABLE ACCOUNT ACCUMULATION UNIT VALUE The value of an Accumulation Unit for each Sub-Account of the Variable Account was arbitrarily set at $10 when the first Mutual Fund shares were available for purchase. The value for any later Valuation Period is found as follows: The Accumulation Unit value for each Sub-Account for the last prior Valuation Period is multiplied by the Net Investment Factor for the Sub-Account for the next following Valuation Period. The result is the Accumulation Unit value. The value of an Accumulation Unit may increase or decrease from one Valuation Period to the next. The number of Accumulation Units for variable subaccounts chosen by You is found by:will not change as a result of investment experience.

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at promotional rates that are higher than those We credit to the Regular Fixed Account. All interest rates We quote are effective annual interest rates - this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate officeservice center, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer dateuse. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Guaranteed Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and other contracts to the Variable AccountAccount with a value at least equal to the reserves and other contract liabilities with respect to such account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied transferred to the variable subaccounts will be allocated as specified by You. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described belowsubaccount. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Datafunds. We may also: - • add additional variable subaccounts investing in other funds, - • combine any two or more variable subaccounts, - • transfer assets to and from the variable subaccounts or the Variable Account, and - • eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is deliveredof New York. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for variable subaccounts chosen by You is found determined by:

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at promotional rates that are higher than those We credit to the Regular Fixed Account. All interest rates We quote are effective annual interest rates - this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate office, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer date. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of several variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and certain other contracts to the Variable AccountAccount with a value at least equal to the reserves and other contract liabilities with respect to such account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Accountseparate account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied to the variable subaccounts will be allocated as specified by Youthe Owner. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described below. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Data. We may also: - add additional variable subaccounts investing in other funds, - combine any two or more variable subaccounts, - transfer assets to and from the variable subaccounts or the Variable Account, and - eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is delivered. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for each of Your variable subaccounts chosen by You is found byby adding the number of accumulation units resulting from:

INTEREST TO BE CREDITED. We will credit interest to the Fixed Account daily. We may credit interest to each Special DCA Fixed Account at promotional rates that are higher than those We credit to the Regular Fixed Account. All interest rates We quote are effective annual interest rates - this refers to the rate that results after interest has been credited and compounded daily for a full year. Interest will begin to accrue at Our current crediting rate on the date each purchase payment, which is received in Our corporate office, becomes available to Us for use and on the date of any transfers to the Fixed Account. Amounts transferred from the Special DCA Fixed Account to the Regular Fixed Account, through transfers to an asset allocation model, will begin earning interest at the current crediting rate for the Regular Fixed Account on the transfer dateuse. The current crediting rate is determined by Us and at Our discretion but will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its accumulated interest, may change. Interest will accrue at revised rates determined by Us and at Our discretion. These rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing company annuities, product design, competition, and the company's revenues and expenses. However, the rate will never be less than the Fixed Account Minimum Interest Rate shown under Contract Data. Your interest rate for each purchase payment or transfer will never change more frequently than annually. THE VARIABLE ACCOUNT The Variable Account is a separate investment account of Ours. It consists of variable subaccounts which are named under Contract Data. We have allocated a part of Our assets for this and other contracts to the Variable AccountAccount with a value at least equal to the reserves and other contract liabilities with respect to such account. Such assets remain Our property. However, the portion of the assets which equals the reserves and other liabilities of the account(s) shall not be charged with liabilities arising out of any other business in which We may take part. Income, gains, and losses, whether or not realized from assets allocated to the Variable Account, are credited or charged to such account without regard to other income, gains or losses of the company. INVESTMENTS OF THE VARIABLE ACCOUNT Purchase payments and transfer amounts applied to the variable subaccounts will be allocated as specified by You. Each variable subaccount will buy, at net asset value, shares of the fund for that variable subaccount shown under Contract Data or as later added or changed as described below. We may change the funds from which the variable subaccounts buy shares if laws or regulations change, the existing funds become unavailable or, in Our judgment, the funds are no longer suitable for the variable subaccounts. We have the right to substitute any funds for those shown under Contract Data. We may also: - add additional variable subaccounts investing in other funds, - combine any two or more variable subaccounts, - transfer assets to and from the variable subaccounts or the Variable Account, and - eliminate or close any variable subaccounts. When required, We would first seek approval of the Securities and Exchange Commission and the insurance regulator of the state where this contract is delivered. VALUATION OF ASSETS Fund shares in the variable subaccounts will be valued at their net asset value. VARIABLE ACCOUNT ACCUMULATION UNITS The number of Accumulation Units for variable subaccounts chosen by You is found by: