Common use of MISSTATEMENT OF AGE OR SEX Clause in Contracts

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid in full with the next payment due. With respect to Contract issue Age and other age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, We may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payments, subject to state requirements, from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid in full with the next payment due. With respect to Contract issue Age and other age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, We may reasonably require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payments, subject to state requirements, from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, Interest will be credited during any deferral period exceeding the deferral periodnumber of days as specified by the state at the rate currently paid by Us on proceeds left under the interest-only settlement option. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid in full with the next payment due. With respect to Contract issue Age and other age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, We may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payments, subject to state requirements, payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid in full with the next payment due. With respect to Contract issue Age and other age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, We may reasonably require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payments, subject to state requirements, from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, Interest will be credited during any deferral period exceeding the deferral periodnumber of days as specified by the state at the rate currently paid by Us on proceeds left under the interest-only settlement option. FS-995 (12/10) 18 SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid in full with the next payment due. With respect to Contract issue Age and other age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, We may reasonably require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payments, subject to state requirements, from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, Interest will be credited during any deferral period exceeding the deferral periodnumber of days as specified by the state at the rate currently paid by Us on proceeds left under the interest-only settlement option. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid in full with the next payment due. FS-997-PVGII (5/11) 18 With respect to Contract issue Age and other age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, We may reasonably require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payments, subject to state requirements, from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, will be credited during any deferral period exceeding the deferral periodnumber of days as specified by the state at the rate currently paid by Us on proceeds left under the interest-only settlement option. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. You must, upon Our request, provide proof of the Annuitant’s birth date and sex. If the Age or sex of any Annuitant has been is misstated, We will adjust future annuity payments Annuity Income Payments. The amount remaining to be paid will be adjusted using the amount that should have been paid with the correct Age and sexinformation. We will credit or charge the amount of any underpayment or overpayment against the next succeeding Annuity Income Payment(s), according if any remain. We reserve the right to Our rates in effect on the date that annuity payments were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted collect any overpayment directly from the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid in full with the next payment duePayee. With respect to Contract issue Age and other age driven features in the Contract, should We discover a misstatement of Age such that You would not otherwise qualify for an Age-driven benefit, We reserve the right to may fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. A Written notification will be provided to the Owner at least ten (10) days prior to the revocation of the Contract. PROOF OF AGE, SEX, OR SURVIVAL We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, We may reasonably require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payments, subject to state requirements, from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid in full with the next payment due. With respect to Contract issue Age and other age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, We may reasonably require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payments, subject to state requirements, from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, will be credited during any deferral period exceeding the deferral periodnumber of days as specified by the state at the rate currently paid by Us on proceeds left under the interest-only settlement option. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur: