Common use of Market Timing Clause in Contracts

Market Timing. The Company has adopted its own Market Timing policies and procedures and will apply these policies and procedures consistently to all contractowners. The Company will also investigate any patterns of trading behavior identified by the Fund. As permitted by law, the Company agrees to cooperate fully with the Distributor for the purpose of preventing market timing, and will upon request furnish the Distributor such information as Distributor may consider necessary or desirable to review the possible existence and extent of market timing by any contractowner. Once Market Timing has been identified within a contract under the Company's Market Timing Procedures, or if the Distributor so determines based on its review of the information provided by the Company, we will impose restrictions on the contractowner's ability to make future transfers. 2. To change the names of certain portfolios, as indicated in Schedule A ("Amendment to Schedule A") that serve as underlying investment media for variable annuity contracts and variable life insurance policies issued by Insurer; and 3. To make shares of the Portfolios of the Fund available by Distributor to serve as underlying investment media for variable annuity contracts and variable life insurance policies issued by Insurer listed in Schedule B ("Amendment to Schedule B").

Market Timing. The Company has adopted its own Market Timing policies and procedures and will apply these policies and procedures consistently to all contractowners. The Company will also investigate any patterns of trading behavior identified by the Fund. As permitted by law, <PAGE> the Company agrees to cooperate fully with the Distributor for the purpose of preventing market timing, and will upon request furnish the Distributor such information as Distributor may consider necessary or desirable to review the possible existence and extent of market timing by any contractowner. Once Market Timing has been identified within a contract under the Company's Market Timing Procedures, or if the Distributor so determines based on its review of the information provided by the Company, we will impose restrictions on the contractowner's ability to make future transfers. 2. To change the names of certain portfolios, as indicated in Schedule A ("Amendment to Schedule A") that serve as underlying investment media for variable annuity contracts and variable life insurance policies issued by Insurer; and 3. To make shares of the Portfolios of the Fund available by Distributor to serve as underlying investment media for variable annuity contracts and variable life insurance policies issued by Insurer listed in Schedule B ("Amendment to Schedule B").

Market Timing. <PAGE> The Company has adopted its own Market Timing policies and procedures and will apply these policies and procedures consistently to all contractowners. The Company will also investigate any patterns of trading behavior identified by the Fund. As permitted by law, the Company agrees to cooperate fully with the Distributor for the purpose of preventing market timing, and will upon request furnish the Distributor such information as Distributor may consider necessary or desirable to review the possible existence and extent of market timing by any contractowner. Once Market Timing has been identified within a contract under the Company's Market Timing Procedures, or if the Distributor so determines based on its review of the information provided by the Company, we will impose restrictions on the contractowner's ability to make future transfers. 2. To change the names of certain portfolios, as indicated in Schedule A ("Amendment to Schedule A") that serve as underlying investment media for variable annuity contracts and variable life insurance policies issued by Insurer; and 3. To make shares of the Portfolios of the Fund available by Distributor to serve as underlying investment media for variable annuity contracts and variable life insurance policies issued by Insurer listed in Schedule B ("Amendment to Schedule B").