Common use of JOINT OWNER Clause in Contracts

JOINT OWNER. Any person named as Joint Owner on the Application and/or confirmation thereof and listed on the Contract Data Page, unless subsequently changed. The Joint Owner, if any, possesses an undivided interest in this Contract in conjunction with the Owner. All references within this Contract to Owner will also apply to the Joint Owner. The first day of the month following Age 95 of the Owner. If the Owner is a non-natural person, the Latest Annuity Date is the first day of the month following Age 90 of the Annuitant. Guaranteed withdrawals applicable only if You have elected an optional living benefit or guaranteed minimum withdrawal benefit and have not terminated the benefit under this Contract. The sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is reduced by each such Withdrawal. New York Stock Exchange. FS-993-PPS4 (12/10) 6 The person or entity named in the Contract who is entitled to exercise all rights and privileges of ownership under the Contract. Owner means both Joint Owners, if applicable. The person receiving annuity income payments under this Contract. Payments in U.S. currency made by or on behalf of the Owner to the Company to fund the Contract.

JOINT OWNER. Any person named as Joint Owner on the Application and/or confirmation thereof and listed on the Contract Data Page, unless subsequently changed. The Joint Owner, if any, possesses an undivided interest in this Contract in conjunction with the Owner. All references within this Contract to Owner will also apply to the Joint Owner. The first day of the month following Age 95 of the Owner. If the Owner is a non-natural person, the Latest Annuity Date is the first day of the month following Age 90 95 of the Annuitant. Guaranteed withdrawals applicable only if You have elected an optional living benefit or guaranteed minimum withdrawal benefit and have not terminated the benefit under this Contract. The sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is reduced by each such Withdrawal. New York Stock Exchange. FS-993-PPS4 PPIII (12/10) 6 The person or entity named in the Contract who is entitled to exercise all rights and privileges of ownership under the Contract. Owner means both Joint Owners, if applicable. The person receiving annuity income payments under this Contract. Payments in U.S. currency made by or on behalf of the Owner to the Company to fund the Contract.

JOINT OWNER. Any person named as Joint Owner on the Application and/or confirmation thereof and listed on the Contract Data Page, unless subsequently changed. The Joint Owner, if any, possesses an undivided interest in this Contract in conjunction with the Owner. All references within this Contract to Owner will also apply to the Joint Owner. The first day of the month following Age 95 of the Owner. If the Owner is a non-natural person, the Latest Annuity Date is the first day of the month following Age 90 95 of the Annuitant. Guaranteed withdrawals applicable only if You have elected an optional living benefit or guaranteed minimum withdrawal benefit and have not terminated the benefit under this Contract. The sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is reduced by each such Withdrawal. New York Stock Exchange. FS-993-PPS4 FS-998 (12/106/11) 6 The person or entity named in the Contract who is entitled to exercise all rights and privileges of ownership under the Contract. Owner means both Joint Owners, if applicable. The person receiving annuity income payments under this Contract. Payments in U.S. currency made by or on behalf of the Owner to the Company to fund the Contract.

JOINT OWNER. Any person named as Joint Owner on the Application and/or confirmation thereof and listed on the Contract Data Page, unless subsequently changed. The Joint Owner, if any, possesses an undivided interest in this Contract in conjunction with the Owner. All references within this Contract to Owner will also apply to the Joint Owner. The first day of the month following Age 95 of the Owner. If the Owner is a non-natural person, the Latest Annuity Date is the first day of the month following Age 90 of the Annuitant95. Guaranteed withdrawals applicable only if You have elected an optional living benefit or guaranteed minimum withdrawal benefit and have not terminated the benefit under this Contract. The sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is reduced by each such Withdrawal. New York Stock Exchange. FS-993-PPS4 PPS7 (12/10) 6 The person or entity named in the Contract who is entitled to exercise all rights and privileges of ownership under the Contract. Owner means both Joint Owners, if applicable. The person receiving annuity income payments under this Contract. Payments in U.S. currency made by or on behalf of the Owner to the Company to fund the Contract.

JOINT OWNER. Any person named as Joint Owner on the Application and/or confirmation thereof and listed on the Contract Data Page, unless subsequently changed. The Joint Owner, if any, possesses an undivided interest in this Contract in conjunction with the Owner. All references within this Contract to Owner will also apply to the Joint Owner. The first day of the month following Age 95 of the Owner. If the Owner is a non-natural person, the Latest Annuity Date is the first day of the month following Age 90 95 of the Annuitant. Guaranteed withdrawals applicable only if You have elected an optional living benefit or guaranteed minimum withdrawal benefit and have not terminated the benefit under this Contract. The sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is reduced by each such Withdrawal. New York Stock Exchange. FS-993-PPS4 FS-993 (12/10) 6 The person or entity named in the Contract who is entitled to exercise all rights and privileges of ownership under the Contract. Owner means both Joint Owners, if applicable. The person receiving annuity income payments under this Contract. Payments in U.S. currency made by or on behalf of the Owner to the Company to fund the Contract.