Common use of PARTIAL WITHDRAWAL PROVISIONS Clause in Contracts

PARTIAL WITHDRAWAL PROVISIONS. You may apply for a Partial Withdrawal of your Account Value on any monthly Processing Date after the first Policy anniversary by writing to us at our Customer Service Center. The minimum and maximum Partial Withdrawal amounts are shown in the Schedule. When a Partial Withdrawal is made, the amount of the withdrawal plus a service fee is deducted from your Account Value. The amount of the service fee is shown in the Schedule. We limit the number of Partial Withdrawals in a Policy year and this number is shown in the Schedule. The Stated Death Benefit is not reduced by a Partial Withdrawal taken when the Base Death Benefit has been increased to qualify your Policy as life insurance under the Federal income tax laws and the amount withdrawn is no greater than that which reduces your Account Value to the level which no longer requires the Base Death Benefit to be increased for Federal income tax law purposes. For a Policy under an Option 1 death benefit, the Stated Death Benefit is not reduced by a Partial Withdrawal in the circumstances described above. In addition, if no more than 16 years have elapsed since the Policy date and the Insured is not yet Age 81, a Partial Withdrawal of an amount up to 10% of your Account Value or, if greater, 5% of the Stated Death Benefit, calculated immediately before the Partial Withdrawal is taken will not reduce the State Death Benefit. Any additional amount withdrawn reduces your Stated Death Benefit by that additional amount. For a Policy under an Option 2 death benefit, a Partial Withdrawal does not reduce your Stated Death Benefit. For a Policy under an Option 3 death benefit, your Stated Death Benefit will be reduced by any amount of the Partial Withdrawal in excess of Premiums paid to the date of the Partial Withdrawal. Any reduction in death benefit or Account Value will occur as of the date the Partial Withdrawal occurs. No Partial Withdrawal will be allowed if the Stated Death Benefit remaining in force after any such Partial Withdrawal would be reduced below the minimum Stated Death Benefit shown in the Schedule. For a Policy under an Option 2 or Option 3 death benefit, a Partial Withdrawal reduces the Base Death Benefit by the amount of the withdrawal. Under any death benefit option, if the Base Death Benefit has been increased in order to qualify your Policy as a life insurance contract under the Federal income tax laws, the Partial Withdrawal reduces the Base Death Benefit by an amount greater than the withdrawal. You may specify how much of the withdrawal you wish taken from each Division of the Variable Account or from the Guaranteed Interest Division. You may not withdraw from the Guaranteed Interest Division more than the total withdrawal times the ratio of your Account Value in the Guaranteed Interest Division to your Net Account Value immediately prior to the withdrawal. Unless you indicate otherwise, we will make the withdrawal from the amounts in the Guaranteed Interest Division and the Divisions of the Variable Account in the same proportion that your Account Value in each Division bears to your Net Account Value immediately prior to the withdrawal. The withdrawal service fee is deducted from each Variable Division and the Guaranteed Interest Division in the same proportion that your Account Value of each division bears to your Net Account Value immediately after the withdrawal. We may send you a new Schedule to reflect the effect of the withdrawal, including any changes to the Stated Death Benefit. We may ask you to return your Policy to our Customer Service Center to make this change. The withdrawal and the reductions in death benefits will be effective as of the Valuation Date after we received your request. SURRENDER PROVISIONS SURRENDER VALUE The net Cash Surrender Value on any date will be your Account Value plus any refund of sales charges due and minus any Policy Loan including accrued but unpaid loan interest.

PARTIAL WITHDRAWAL PROVISIONS. You may apply for a Partial Withdrawal of your Account Value on any monthly Monthly Processing Date after the first Policy anniversary by writing to us at our Customer Service Center. The minimum and maximum Partial Withdrawal amounts are shown in the Schedule. When a Partial Withdrawal is made, the amount of the withdrawal plus a service fee is deducted from your Account Value. The amount of the service fee is shown in the Schedule. We limit the number of Partial Withdrawals in a Policy year and this number is shown in the Schedule. If the Stated Death Benefit is reduced by a Partial Withdrawal during the first 14 years following the Policy date or following an increase in the Stated Death Benefit, a Surrender Charge will be deducted from your Account Value. The Stated Death Benefit is not reduced by a Partial Withdrawal taken when the Base Death Benefit has been increased to qualify your Policy as life insurance under the Federal income tax laws and the amount withdrawn is no greater than that which reduces your Account Value to the level which no longer requires the Base Death Benefit to be increased for Federal income tax law purposes. For a Policy under an Option 1 death benefit, the Stated Death Benefit is not reduced by a Partial Withdrawal in the circumstances described above. In addition, if no more than 16 years have elapsed since the Policy date and the Insured is not yet Age 81, a Partial Withdrawal of an amount up to 10% of your Account Value or, if greater, 5% of the Stated Death Benefit, calculated immediately before the Partial Withdrawal is taken will not reduce the State Stated Death Benefit. Any additional amount withdrawn reduces your Stated Death Benefit by that additional amount. For a Policy under an Option 2 death benefit, a Partial Withdrawal does not reduce your Stated Death Benefit. For a Policy under an Option 3 death benefit, your Stated Death Benefit will be reduced by any amount of the Partial Withdrawal in excess of Premiums paid to the date of the Partial Withdrawal. Any reduction in death benefit or Account Value will occur as of the date the Partial Withdrawal occurs. No Partial Withdrawal will be allowed if the Stated Death Benefit remaining in force after any such Partial Withdrawal would be reduced below the minimum Stated Death Benefit shown in the Schedule. For a Policy under an Option 2 or Option 3 death benefit, a Partial Withdrawal reduces the Base Death Benefit by the amount of the withdrawal. Under any death benefit option, if the Base Death Benefit has been increased in order to qualify your Policy as a life insurance contract under the Federal income tax laws, the Partial Withdrawal reduces the Base Death Benefit by an amount greater than the withdrawal. If the Stated Death Benefit is reduced during the first 7 years of a coverage segment, a new Target Premium will be calculated and future maximum Surrender Charges will be reduced. If the Stated Death Benefit is reduced after the first 7 years of a coverage segment, the Surrender Charge is reduced in the same proportion that the Stated Death Benefit is reduced. You may specify how much of the withdrawal you wish taken from each Division of the Variable Account or from the Guaranteed Interest Division. You may not withdraw from the Guaranteed Interest Division more than the total withdrawal times the ratio of your Account Value in the Guaranteed Interest Division to your Net net Account Value immediately prior to the withdrawal. Unless you indicate otherwise, we will make the withdrawal from the amounts in the Guaranteed Interest Division and the Divisions of the Variable Account in the same proportion that your Account Value in each Division bears to your Net net Account Value immediately prior to the withdrawal. The withdrawal service fee and any Surrender Charge deducted from your Account Value is deducted from each Variable Division and the Guaranteed Interest Division in the same proportion that your Account Value of each division Division bears to your Net net Account Value immediately after the withdrawal. We may send you a new Schedule to reflect the effect of the withdrawal, including any changes change to the Stated Death BenefitBenefit and Surrender Charges. We may ask you to return your Policy to our Customer Service Center to make this change. The withdrawal and the reductions in death benefits will be effective as of the Valuation Date after we received receive your request. SURRENDER PROVISIONS SURRENDER VALUE The net Cash Surrender Value on any date will be your Account Value plus minus any refund of sales charges due applicable Surrender Charge and minus any Policy Loan including accrued but unpaid loan interest.. SURRENDER CHARGES

PARTIAL WITHDRAWAL PROVISIONS. You may apply for a Partial Withdrawal of your Account Value on any monthly Monthly Processing Date after the first Policy policy anniversary by writing to us at our Customer Service Center. The minimum and maximum Partial Withdrawal amounts are shown in the Schedule. When a Partial Withdrawal is made, the amount of the withdrawal plus a service fee is deducted from your Account Value. The amount of the service fee is shown in the Schedule. We limit the number of Partial Withdrawals in a Policy policy year and this number is shown in the Schedule. If the Stated Death Benefit is reduced by a Partial Withdrawal during the first 14 years following the policy date or following an increase in the Stated Death Benefit, a Surrender Charge will be deducted from your Account Value. The Stated Death Benefit is not reduced by a Partial Withdrawal taken when the Base Death Benefit has been increased to qualify your Policy policy as life insurance under the Federal income tax laws Internal Revenue Code and the amount withdrawn is no greater than that which reduces your Account Value to the level which no longer requires the Base Death Benefit to be increased for Federal income tax law Internal Revenue Code purposes. For a Policy policy under an Option 1 death benefit, the Stated Death Benefit is not reduced by a Partial Withdrawal in the circumstances described above. In addition, if no more than 16 15 years have elapsed since the Policy policy date and the Insured insured is not yet Age age 81, a Partial Withdrawal of an amount up to 10% of your Account Value or, if greater, 5% of the Stated Death Benefit, calculated immediately before the Partial Withdrawal is taken will not reduce the State Stated Death Benefit. Any additional amount withdrawn reduces your Stated Death Benefit by that additional amount. For a Policy policy under an Option 2 death benefit, a Partial Withdrawal does not reduce your Stated Death Benefit. For a Policy under an Option 3 death benefit, your Stated Death Benefit will be reduced by any amount of the Partial Withdrawal in excess of Premiums paid to the date of the Partial Withdrawal. Any reduction in death benefit or Account Value will occur as of the date the Partial Withdrawal occurs. No Partial Withdrawal will be allowed if the Stated Death Benefit remaining in force after any such Partial Withdrawal would be reduced below the minimum Stated Death Benefit shown in the Schedule. For a Policy policy under an Option 2 or Option 3 death benefit, a Partial Withdrawal generally reduces the Base Death Benefit by the amount of the withdrawal. Under any death benefit option, if the Base Death Benefit has been increased in order to qualify your Policy policy as a life insurance contract under the Federal income tax lawsInternal Revenue Code, the Partial Withdrawal reduces the Base Death Benefit by an amount greater than the withdrawal. If the Stated Death Benefit is reduced during the first 7 years of a coverage segment, a new target premium will be calculated and future maximum Surrender Charges will be reduced. If the Stated Death Benefit is reduced after the first 7 years of a coverage segment, the Surrender Charge is reduced in the same proportion that the Stated Death Benefit is reduced. You may specify how much of the withdrawal you wish taken from each Division division of the Variable Account or from the Guaranteed Interest Division. You may not withdraw from the Guaranteed Interest Division more than the total withdrawal times the ratio of your Account Value in the Guaranteed Interest Division to your Net Account Value immediately prior to the withdrawal. Unless you indicate otherwise, we will make the withdrawal from the amounts in the Guaranteed Interest Division and the Divisions divisions of the Variable Account in the same proportion that your Account Value in each Division division bears to your Net Account Value immediately prior to the withdrawal. The withdrawal service fee and any Surrender Charge deducted from your Account Value is deducted from each Variable Division and the Guaranteed Interest Division in the same proportion that your Account Value of each division bears to your Net Account Value immediately after the withdrawal. We may send you a new Schedule to reflect the effect of the withdrawal, including if there is any changes change to the Stated Death BenefitBenefit and Surrender Charges. We may ask you to return your Policy policy to our Customer Service Center to make this change. The withdrawal and the reductions in death benefits will be effective as of the Valuation Date after we received receive your request. SURRENDER PROVISIONS SURRENDER VALUE The net Net Cash Surrender Value on any date will be your Account Value plus minus any refund of sales charges due applicable Surrender Charge and minus any Policy Loan including accrued but unpaid loan interest. SURRENDER CHARGES A separate Surrender Charge will apply to each Stated Death Benefit Segment. The Surrender Charge for this policy is the sum of the Surrender Charge for each Segment of Stated Death Benefit. The Surrender Charge will not exceed the total maximum Surrender Charge shown in the Schedule. For purposes of calculating the Surrender Charge for a Segment premiums are allocated to a Segment in the same proportion that the Guideline Annual Premium of each Segment bears to the sum of the Guideline Annual Premiums of all Segments. The Guideline Annual Premium for each Segment is shown in the Schedule. For each Segment, the Surrender Charge consists of an administrative Surrender Charge and a sales Surrender Charge. The administrative Surrender Charge for each Segment is determined from the administrative Surrender Charge table in the Schedule. It depends on the Segment's issue age, effective date and initial Stated Death Benefit which are in the Schedule. For the first 7 policy years following the effective date of a Segment, the sales Surrender Charge is the lesser of: 50% of the target premium for the Segment; or 25% of the sum of all premiums paid up to the target premium for the Segment plus 5% of the sum of all premiums paid in excess of the target premium for the Segment. Thereafter, the sales Surrender Charge for the Segment decreases at the beginning of each year following the 7th policy year from the effective date of the Segment by 12.5% of the sales Surrender Charge in effect at the end of the 7th policy year until it reaches zero at the beginning of the 15th policy year following the Segment's effective date or the policy year the insured reaches age 98, whichever is sooner. During the first 14 policy years or within 14 years of the effective date of an increase in the Stated Death Benefit Segment, if you request a decrease to the Stated Death Benefit or take a Partial Withdrawal which causes the Stated Death Benefit to decrease, the administrative Surrender Charge will decrease in the same proportion that the Stated Death Benefit decreases. Upon a decrease in the Stated Death Benefit, a portion of the Surrender Charge will be deducted from your Account Value. The amount of the Surrender Charge which will be deducted from your Account Value will equal the Surrender Charge in effect before the decrease minus the Surrender Charge in effect after the decrease. If a decrease to the Stated Death Benefit occurs after the first 7 years of a Segment, the maximum Surrender Charges for the remaining policy will be reduced by the percentage that the Stated Death Benefit is decreased. If a decrease occurs during the first 7 years of a Segment, the target premium will be recalculated; future maximum Surrender Charges for that Segment will be reduced. A Surrender Charge is not deducted from your Account Value if the Stated Death Benefit is decreased because the death benefit option is changed. If the Surrender Charge deducted from your Account Value causes your Net Cash Surrender Value to become zero or less, you may enter the Grace Period (see Grace Period).

PARTIAL WITHDRAWAL PROVISIONS. You may apply for a Partial Withdrawal of your Account Value on any monthly Monthly Processing Date after the first Policy anniversary by writing to us at our Customer Service Center. The minimum and maximum Partial Withdrawal amounts are shown in the Schedule. When a Partial Withdrawal is made, the amount of the withdrawal plus a service fee is deducted from your Account Value. The amount of the service fee is shown in the Schedule. We limit the number of Partial Withdrawals in a Policy year and this number is shown in the Schedule. If the Stated Death Benefit is reduced by a Partial Withdrawal during the first 14 years following the Policy date or following an increase in the Stated Death Benefit, a Surrender Charge will be deducted from your Account Value. The Stated Death Benefit is not reduced by a Partial Withdrawal taken when the Base Death Benefit has been increased to qualify your Policy as life insurance under the Federal income tax laws and the amount withdrawn is no greater than that which reduces your Account Value to the level which no longer requires the Base Death Benefit to be increased for Federal income tax law purposes. For a Policy under an Option 1 death benefit, the Stated Death Benefit is not reduced by a Partial Withdrawal in the circumstances described above. In addition, if no more than 16 years have elapsed since the Policy date and the Insured is not yet Age 81, a Partial Withdrawal of an amount up to 10% of your Account Value or, if greater, 5% of the Stated Death Benefit, calculated immediately before the Partial Withdrawal is taken will not reduce the State Death Benefit. Any additional amount withdrawn reduces your Stated Death Benefit by that additional amount. For a Policy under an Option 2 death benefit, a Partial Withdrawal does not reduce your Stated Death Benefit. For a Policy under an Option 3 death benefit, your Stated Death Benefit will be reduced by any amount of the Partial Withdrawal in excess of Premiums paid to the date of the Partial Withdrawal. Any reduction in death benefit or Account Value will occur as of the date the Partial Withdrawal occurs. No Partial Withdrawal will be allowed if the Stated Death Benefit remaining in force after any such Partial Withdrawal would be reduced below the minimum Stated Death Benefit shown in the Schedule. For a Policy under an Option 2 or Option 3 death benefit, a Partial Withdrawal reduces the Base Death Benefit by the amount of the withdrawal. Under any death benefit option, if the Base Death Benefit has been increased in order to qualify your Policy as a life insurance contract under the Federal income tax laws, the Partial Withdrawal reduces the Base Death Benefit by an amount greater than the withdrawal. If the Stated Death Benefit is reduced during the first 7 years of a coverage segment, a new Target Premium will be calculated and future maximum Surrender Charges will be reduced. If the Stated Death Benefit is reduced after the first 7 years of a coverage segment, the Surrender Charge is reduced in the same proportion that the Stated Death Benefit is reduced. You may specify how much of the withdrawal you wish taken from each Division of the Variable Account or from the Guaranteed Interest Division. You may not withdraw from the Guaranteed Interest Division more than the total withdrawal times the ratio of your Account Value in the Guaranteed Interest Division to your Net net Account Value immediately prior to the withdrawal. Unless you indicate otherwise, we will make the withdrawal from the amounts in the Guaranteed Interest Division and the Divisions of the Variable Account in the same proportion that your Form 1197 (VUL) Page 20 Account Value in each Division bears to your Net net Account Value immediately prior to the withdrawal. The withdrawal service fee and any Surrender Charge deducted from your Account Value is deducted from each Variable Division and the Guaranteed Interest Division in the same proportion that your Account Value of each division Division bears to your Net net Account Value immediately after the withdrawal. We may send you a new Schedule to reflect the effect of the withdrawal, including any changes change to the Stated Death BenefitBenefit and Surrender Changes. We may ask you to return your Policy to our Customer Service Center to make this change. The withdrawal and the reductions in death benefits will be effective as of the Valuation Date after we received receive your request. SURRENDER PROVISIONS SURRENDER VALUE The net Cash Surrender Value on any date will be your Account Value plus minus any refund of sales charges due applicable Surrender Charge and minus any Policy Loan including accrued but unpaid loan interest.. SURRENDER CHARGES

PARTIAL WITHDRAWAL PROVISIONS. You may apply for a Partial Withdrawal of partial withdrawal from your Account Value account value on any monthly Processing Date processing date after the first Policy policy anniversary by writing to us at our Customer Service Center. The minimum and maximum Partial Withdrawal partial withdrawal amounts are shown in the Schedule. When we process a Partial Withdrawal is madepartial withdrawal, the amount of the withdrawal plus a service fee is deducted from your Account Valueaccount value. The amount of the service fee is shown in the Schedule. If a surrender charge is applicable, we will deduct it from your account value. We limit the number of Partial Withdrawals partial withdrawals in a Policy year and this policy year. This number is shown in the Schedule. The Stated Death Benefit stated death benefit is reduced by the amount of the partial withdrawal unless one of the following exceptions applies. The stated death benefit is not reduced by a Partial Withdrawal partial withdrawal taken when the Base Death Benefit base death benefit has been increased to qualify your Policy policy as life insurance under the Federal income tax laws Internal Revenue Code and the amount withdrawn is no not greater than that which reduces your Account Value account value to the level which no longer requires the Base Death Benefit base death benefit to be increased for Federal income tax law Internal Revenue Code purposes. For a Policy policy under an Option 1 A death benefit, the Stated Death Benefit stated death benefit is not reduced by a Partial Withdrawal in the circumstances described above. In addition, if partial withdrawal: If no more than 16 15 years have elapsed since the Policy date and policy date; If the Insured insured's age is not yet Age age 81, a Partial Withdrawal ; and If the partial withdrawal taken is less than either the greater of an amount up to 10% of your Account Value or, if greater, account value or 5% of the Stated Death Benefitstated death benefit, calculated immediately before the Partial Withdrawal is taken will not reduce the State Death Benefitpartial withdrawal. Any additional amount withdrawn reduces your Stated Death Benefit stated death benefit by that additional amount. For a Policy policy under an Option 2 B death benefit, a Partial Withdrawal partial withdrawal does not reduce your Stated Death Benefitstated death benefit. For If the stated death benefit is reduced by a Policy under partial withdrawal during the first 14 years following the policy date or following an Option 3 increase in the stated death benefit, your Stated Death Benefit a surrender charge will be reduced by any amount of the Partial Withdrawal in excess of Premiums paid to the date of the Partial Withdrawaldeducted from your account value. (See your Surrender Charges provision.) Any reduction in death benefit or Account Value account value will occur as of the date the Partial Withdrawal partial withdrawal occurs. No Partial Withdrawal Form 15291-00 16 We will be allowed if the Stated Death Benefit remaining in force after any such Partial Withdrawal would be reduced below the minimum Stated Death Benefit shown in the Schedule. For a Policy under an Option 2 or Option 3 death benefit, a Partial Withdrawal reduces the Base Death Benefit by limit the amount of the partial withdrawal such that, immediately after the requested withdrawal. Under any , the stated death benefit option, if the Base Death Benefit has been increased in order to qualify your Policy as a life insurance contract under the Federal income tax laws, the Partial Withdrawal reduces the Base Death Benefit by an amount greater than the withdrawalis at least $100,000. You may specify how much of the withdrawal you wish taken from each Division division of the Variable Separate Account or from the Guaranteed Interest Division. You may not withdraw from the Guaranteed Interest Division more than the total withdrawal times the ratio of your Account Value account value in the Guaranteed Interest Division to your Net Account Value net account value immediately prior to the withdrawal. Unless you indicate otherwise, we will make the withdrawal from the amounts in the Guaranteed Interest Division and the Divisions portfolios of the Variable Separate Account in the same proportion that your Account Value account value in each Division division bears to your Net Account Value net account value immediately prior to the withdrawal. The withdrawal service fee is and any surrender charge deducted from your account value are deducted from each Variable Division division of the Separate Account and the Guaranteed Interest Division as described in the same proportion that your Account Value prospectus in effect at the time of each division bears to your Net Account Value immediately after the withdrawaltransaction. We may send you a new Schedule to reflect the effect of the withdrawal, including withdrawal if there is any changes change to the Stated Death Benefitstated death benefit and surrender charges. We may ask you to return your Policy policy to our Customer Service Center to make this change. The withdrawal and the reductions in death benefits will be effective as of the Valuation Date valuation date after we received receive your request. SURRENDER PROVISIONS SURRENDER VALUE The net Cash Surrender Value on any date will be your Account Value plus any refund of sales charges due and minus any Policy Loan including accrued but unpaid loan interest.

PARTIAL WITHDRAWAL PROVISIONS. You may apply for a Partial Withdrawal of your Account Value on any monthly Monthly Processing Date after the first Policy anniversary by writing to us at our Customer Service Center. The minimum and maximum Partial Withdrawal amounts are shown in the Schedule. When a Partial Withdrawal is made, the amount of the withdrawal plus a service fee is deducted from your Account Value. The amount of the service fee is shown in the Schedule. We limit the number of Partial Withdrawals in a Policy year and this number is shown in the Schedule. The Stated Death Benefit is not reduced by a Partial Withdrawal taken when the Base Death Benefit has been increased to qualify your Policy as life insurance under the Federal income tax laws and the amount withdrawn is no greater than that which reduces your Account Value to the level which no longer requires the Base Death Benefit to be increased for Federal income tax law purposes. For a Policy under an Option 1 death benefit, the Stated Death Benefit is not reduced by a Partial Withdrawal in the circumstances described above. In addition, if no more than 16 years have elapsed since the Policy date and the Insured is not yet Age 81, a Partial Withdrawal of an amount up to 10% of your Account Value or, if greater, 5% of the Stated Death Benefit, calculated immediately before the Partial Withdrawal is taken will not reduce the State Death Benefit. Any additional amount withdrawn reduces your Stated Death Benefit by that additional amount. For a Policy under an Option 2 death benefit, a Partial Withdrawal does not reduce your Stated Death Benefit. For a Policy under an Option 3 death benefit, your Stated Death Benefit will be reduced by any amount of the Partial Withdrawal in excess of Premiums paid to the date of the Partial Withdrawal. Any reduction in death benefit or Account Value will occur as of the date the Partial Withdrawal occurs. No Partial Withdrawal will be allowed if the Stated Death Benefit remaining in force after any such Partial Withdrawal would be reduced below the minimum Stated Death Benefit shown in the Schedule. For a Policy under an Option 2 or Option 3 death benefit, a Partial Withdrawal reduces the Base Death Benefit by the amount of the withdrawal. Under any death benefit option, if the Base Death Benefit has been increased in order to qualify your Policy as a life insurance contract under the Federal income tax laws, the Partial Withdrawal reduces the Base Death Benefit by an amount greater than the withdrawal. Form 1197 (VUL) Page 20 If the Stated Death Benefit is reduced during the first 7 years of a coverage segment, a new Target Premium will be calculated and future maximum Surrender Charges will be reduced. If the Stated Death Benefit is reduced after the first 7 years of a coverage segment, the Surrender Charge is reduced in the same proportion that the Stated Death Benefit is reduced. You may specify how much of the withdrawal you wish taken from each Division of the Variable Account or from the Guaranteed Interest Division. You may not withdraw from the Guaranteed Interest Division more than the total withdrawal times the ratio of your Account Value in the Guaranteed Interest Division to your Net Account Value immediately prior to the withdrawal. Unless you indicate otherwise, we will make the withdrawal from the amounts in the Guaranteed Interest Division and the Divisions of the Variable Account in the same proportion that your Account Value in each Division bears to your Net Account Value immediately prior to the withdrawal. The withdrawal service fee and any Surrender Charge deducted from your Account Value is deducted from each Variable Division and the Guaranteed Interest Division in the same proportion that your Account Value of each division bears to your Net Account Value immediately after the withdrawal. We may send you a new Schedule to reflect the effect of the withdrawal, including any changes change to the Stated Death Benefit. We may ask you to return your Policy to our Customer Service Center to make this change. The withdrawal and the reductions in death benefits will be effective as of the Valuation Date after we received your request. SURRENDER PROVISIONS SURRENDER VALUE The net Cash Surrender Value on any date will be your Account Value plus minus any refund of sales charges due applicable Surrender Charge and minus any Policy Loan including accrued but unpaid loan interest.. SURRENDER CHARGES