Common use of PURCHASE PAYMENT PROVISIONS Clause in Contracts

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS During the Accumulation Phase, you may make additional Purchase Payments. You may change the amount and frequency of Purchase Payments. The minimum dollar amounts are shown on the contract data page. If you stop making Purchase Payments, all benefits under this Contract continue until the contract value is completely withdrawn. Purchase Payments must be in lawful currency of the United States and submitted to our Home Office at ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, or P.O. Box 3882, Seattle, WA 98124-3882, or in a manner agreed to by Safeco Life. We reserve the right to refuse any Purchase Payment. If we do not accept a Purchase Payment, we will return it within five business days. ALLOCATION OF PURCHASE Your initial Purchase Payment will be allocated PAYMENTS according to your instructions on your contract application. Unless you tell us otherwise, subsequent Purchase Payments will be allocated in the same proportion as your most recent Purchase Payment (unless that was a Purchase Payment you directed us to allocate on a one-time-only basis). Once we receive your Purchase Payment, the portion to be allocated to the Fixed Account is credited as of the day it is received. The portion to be allocated to the Portfolios is effective and valued as of the next close of the New York Stock Exchange (NYSE). If for any reason the NYSE is closed when we receive your Purchase Payment, it will be valued as of the close of the NYSE on its next regular business day. When we are required to guarantee a return of Purchase Payments during the Right to Examine period, we reserve the right to initially apply amounts designated for the Portfolios to the Safeco RST Money Market Portfolio as shown on the cover page of this Contract. These amounts will then be allocated in the manner you selected, unless you have canceled the Contract.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS During the Accumulation Phase, you may make additional Purchase Payments. You may change the amount and frequency of Purchase Payments. The minimum dollar amounts are shown on the contract data page. If you stop making Purchase Payments, all benefits under this Contract continue until the contract value is completely withdrawn. Purchase Payments must be in lawful currency of the United States and submitted to our Home Administrative Office at ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, or [P.O. Box 3882, Seattle, WA 98124-3882], or in a manner agreed to by Safeco LifeFirst Symetra. We reserve the right to refuse reject any application by an Owner or Annuitant who is ineligible for this Contract, any incomplete application, any Purchase PaymentPayment which does not meet the minimum payment amount shown on the contract data page, and any Purchase Payment in excess of $1 million dollars. If we do not accept a Purchase Payment, we will return it within five business days. ALLOCATION OF PURCHASE PAYMENTS Your initial Purchase Payment will be allocated PAYMENTS according to your instructions on your contract application. Unless you tell us otherwise, subsequent Purchase Payments will be allocated in the same proportion as your most recent Purchase Payment (unless that was a Purchase Payment you directed us to allocate on a one-time-only basis). Once we receive your Purchase Payment, the portion to be allocated to the Fixed Account is credited as of the day it is received. The portion to be allocated allocation to the Portfolios is effective and valued as of the next close of the New York Stock Exchange (NYSE). If for any reason the NYSE is closed when we receive your Purchase Payment, it will be valued as of the close of the NYSE on its next regular business day. When we are required to guarantee a return of Purchase Payments during the Right to Examine period, we reserve the right to initially apply amounts designated for the Portfolios to the Safeco RST [Fidelity VIP Money Market Portfolio Initial Class] as shown on the cover page of this Contract. These amounts will then be allocated in the manner you selected, unless you have canceled the Contract. ACCUMULATION UNITS When you make Purchase Payments or transfers into a Sub-account, we credit your Contract with Accumulation Units. Similarly, when you request a withdrawal or a transfer of money from a Sub-account, Accumulation Units are liquidated. In either case, the increase or decrease in the number of your Accumulation Units is determined by taking the dollar amount of the Purchase Payment, transfer, or withdrawal and dividing it by the value of an Accumulation Unit on the date the transaction occurs. We calculate the value of an Accumulation Unit for each Portfolio after the NYSE closes each day. To determine the current Accumulation Unit value, we take the prior day’s Accumulation Unit value and multiply it by the Net Investment Factor for the current day. The Net Investment Factor is used to measure the daily change in Accumulation Unit value for each Sub-account. The Net Investment Factor equals: · the net asset value per share of a Sub-account at the end of the current day plus the per share amount of any dividend or income distributions made by the Sub-account that day; divided by · the net asset value per share of a Sub-account at the end of the prior day plus the per share amount of any dividend or income distributions made by the Sub-account that day; minus · the daily insurance charges, expressed as a percentage of the total net assets of the Sub-account. The value of an Accumulation Unit will usually go up or down from day to day.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS During the Accumulation Phase, you may make additional Purchase Payments. You may change the amount and frequency of Purchase Payments. The minimum dollar amounts are shown on the contract data page. If you stop making Purchase Payments, all benefits under this Contract continue until the contract value is completely withdrawn. Purchase Payments must be in lawful currency of the United States and submitted to our Home Office at ▇[777 108th Avenue NE #1200, Bellevue, WA 98004-5135], or [P.O. ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, or P.O. Box 3882, Seattle, WA 98124-3882], or in a manner agreed to by Safeco LifeSymetra. We reserve the right to refuse any Purchase Payment. If we do not accept a Purchase Payment, we will return it within five business days. ALLOCATION OF PURCHASE PAYMENTS Your initial and subsequent Purchase Payment will be allocated PAYMENTS according to your instructions on your contract application. Unless you tell us otherwise, You may change the way subsequent Purchase Payments will be are allocated in the same proportion as your most recent Purchase Payment (unless that was a Purchase Payment you directed by providing us to allocate on a one-time-only basis)with new instructions. Once we receive your Purchase Payment, the portion to be allocated to the a Fixed Account Option is credited as of the day it is received. The portion to be allocated to the Portfolios is effective and valued as of the next close of the New York Stock Exchange (NYSE). If for any reason the NYSE is closed when we receive your Purchase Payment, it will be valued as of the close of the NYSE on its next regular business day. When we are required to guarantee a return of Purchase Payments during the Right to Examine period, we reserve the right to initially apply amounts designated for the Portfolios to the Safeco RST [Fidelity VIP Money Market Portfolio Portfolio- Service Class 2] as shown on the cover page of this Contract. These amounts will then be allocated in the manner you selected, unless you have canceled the Contract.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS During the Accumulation Phase, you may make additional Purchase Payments. You may change the amount and frequency of Purchase Payments. The minimum dollar amounts are shown on the contract data page. If you stop making Purchase Payments, all benefits under this Contract continue until the contract value is completely withdrawn. Purchase Payments must be in lawful currency of the United States and submitted to our Home Office at ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, or P.O. Box 3882▇.▇. ▇▇▇ ▇▇▇▇, Seattle▇▇▇▇▇▇▇, WA 98124▇▇ ▇▇▇▇▇-3882▇▇▇▇, or in a manner agreed to by Safeco LifeSymetra. We reserve the right to refuse any Purchase Payment. If we do not accept a Purchase Payment, we will return it within five business days. ALLOCATION OF PURCHASE PAYMENTS Your initial Purchase Payment will be allocated PAYMENTS according to your instructions on your contract application. Unless you tell us otherwise, subsequent Purchase Payments will be allocated in the same proportion as your most recent Purchase Payment (unless that was a Purchase Payment you directed us to allocate on a one-time-only basis). Once we receive your Purchase Payment, the portion to be allocated to the Fixed Account is credited as of the day it is received. The portion to be allocated to the Portfolios is effective and valued as of the next close of the New York Stock Exchange (NYSE). If for any reason the NYSE is closed when we receive your Purchase Payment, it will be valued as of the close of the NYSE on its next regular business day. When we are required to guarantee a return of Purchase Payments during the Right to Examine period, we reserve the right to initially apply amounts designated for the Portfolios to the Safeco RST [Fidelity VIP Money Market Portfolio – Service Class 2] as shown on the cover page of this Contract. These amounts will then be allocated in the manner you selected, unless you have canceled the Contract.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS During the Accumulation Phase, you may make additional Purchase PaymentsPayments can be made. You may change the The amount and frequency of Purchase PaymentsPayments may be changed. The minimum dollar amounts are shown on the contract data page. If you stop the Owner stops making Purchase PaymentsPayments on behalf of the Annuitant, all benefits under this Contract continue until the contract value is completely withdrawn. Purchase Payments must be in lawful currency of the United States and submitted to our Home Office at [777 ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ or or ▇.▇. ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, or P.O. Box 3882, Seattle, WA 98124-3882], or in a manner agreed to by Safeco LifeSymetra. We reserve the right to refuse any Purchase Payment. If we do not accept a Purchase Payment, we will return it within five business days. ALLOCATION OF PURCHASE Your PAYMENTS The initial Purchase Payment will be allocated PAYMENTS according to your the instructions on your the contract application. Unless you tell us we are told otherwise, subsequent Purchase Payments will be allocated in the same proportion as your the most recent Purchase Payment (unless that was a Purchase Payment you we were directed us to allocate on a one-time-only basis). Once we receive your a Purchase Payment, the portion to be allocated to the a Fixed Account Option is credited as of the day it is received. The portion to be allocated to the Portfolios is effective and valued as of the next close of the New York Stock Exchange (NYSE). If for any reason the NYSE is closed when we receive your the Purchase Payment, it will be valued as of the close of the NYSE on its next regular business day. When we are required to guarantee a return of Purchase Payments during the Contract’s Right to Examine period, we reserve the right to initially apply amounts designated for the Portfolios to the Safeco RST [Fidelity VIP Money Market Portfolio – Service Class 2] as shown on the cover page of this the Contract. These amounts will then be allocated according to the instructions we received, unless the Contract has been canceled. ACCUMULATION UNITS When Purchase Payments or transfers are made into a Portfolio, we credit the Contract with Accumulation Units. Similarly, when withdrawals or transfers of money are made from a Portfolio, Accumulation Units are liquidated. In either case, the increase or decrease in the manner you selectednumber of Accumulation Units is determined by taking the dollar amount of the Purchase Payment, unless you have canceled transfer, or withdrawal and dividing it by the Contractvalue of an Accumulation Unit on the date the transaction occurs. We calculate the value of an Accumulation Unit for each Portfolio after the NYSE closes each day. To determine the current Accumulation Unit value, we take the prior day’s Accumulation Unit value and multiply it by the Net Investment Factor for the current day. The Net Investment Factor is used to measure the daily change in Accumulation Unit value for each Portfolio. The Net Investment Factor equals: • the net asset value per share of a Portfolio at the end of the current day plus the per share amount of any dividend or income distributions made by the Portfolio that day; divided by • the net asset value per share of a Portfolio at the end of the prior day plus the per share amount of any dividend or income distributions made by the Portfolio that day; minus • the daily insurance charges, expressed as a percentage of the total net assets of the Portfolio. The value of an Accumulation Unit will usually go up or down from day to day.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS During the Accumulation Phase, you may make additional PAYMENTS Purchase Payments. You may change the amount and frequency of Purchase Payments. The minimum dollar amounts are shown on the contract data page. If you stop making Purchase Payments, all benefits under this Contract continue until the contract value is completely withdrawn. Purchase Payments must be in lawful currency of the United States and submitted to our Home Office at ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, or P.O. Box 3882, Seattle, WA 98124-3882, or in a manner agreed to by Safeco Life▇▇▇▇▇▇▇. We reserve the right to refuse any Purchase Payment. If we do not accept a Purchase Payment, we will return it within five business days. ALLOCATION OF PURCHASE Your initial and subsequent Purchase Payment will be PURCHASE allocated PAYMENTS according to your instructions on your PAYMENTS contract application. Unless you tell us otherwise, You may change the way subsequent Purchase Payments will be are allocated in the same proportion as your most recent Purchase Payment (unless that was a Purchase Payment you directed by providing us to allocate on a one-time-only basis)with new instructions. Once we receive your Purchase Payment, the portion to be allocated to the a Fixed Account Option is credited as of the day it is received. The portion to be allocated to the Portfolios is effective and valued as of the next close of the New York Stock Exchange (NYSE). If for any reason the NYSE is closed when we receive your Purchase Payment, it will be valued as of the close of the NYSE on its next regular business day. When we are required to guarantee a return of Purchase Payments during the Right to Examine period, we reserve the right to initially apply amounts designated for the Portfolios to the Safeco RST Fidelity VIP Money Market Portfolio - Service Class 2 as shown on the cover page of this Contract. These amounts will then be allocated in the manner you selected, unless you have canceled the Contract. ACCUMULATION When you make Purchase Payments or transfers into a UNITS Portfolio, we credit your Contract with Accumulation Units. Similarly, when you request a withdrawal or a transfer of money from a Portfolio, Accumulation Units are liquidated. In either case, the increase or decrease in the number of your Accumulation Units is determined by taking the dollar amount of the Purchase Payment, transfer, or withdrawal and dividing it by the value of an Accumulation Unit on the date the transaction occurs. We calculate the value of an Accumulation Unit for each Portfolio after the NYSE closes each day. To determine the current Accumulation Unit value, we take the prior day's Accumulation Unit value and multiply it by the Net Investment Factor for the current day. The Net Investment Factor is used to measure the daily change in Accumulation Unit value for each Portfolio. The Net Investment Factor equals: - the net asset value per share of a Portfolio at the end of the current day plus the per share amount of any dividend or income distributions made by the Portfolio that day; divided by - the net asset value per share of a Portfolio at the end of the prior day plus the per share amount of any dividend or income distributions made by the Portfolio that day; minus - the daily insurance charges, expressed as a percentage of the total net assets of the Portfolio. The value of an Accumulation Unit will usually go up or down from day to day. INVESTMENT OPTIONS VARIABLE You may allocate money to the Portfolios shown on the INVESTMENT contract data page. We reserve the right to add, OPTIONS combine, restrict, or remove any Portfolio as an investment option of this Contract. Portfolios have different investment objectives. Investment performance of a Portfolio may be positive or negative. SUBSTITUTION OF If any shares of the Portfolios are no longer SHARES available, or if in our view no longer meet the purpose of the Contract, it may be necessary to substitute shares of another Portfolio. We will seek prior approval of the Securities and Exchange Commission (SEC) to the extent required by law and give you notice before doing this. FIXED ACCOUNT The Fixed Account Options are part of Symetra's General OPTIONS Account and provide for guaranteed interest rates as follows. We establish the annual effective interest rates that apply to Purchase Payments allocated to the Fixed Account Options. The annual effective interest rate will be at least the minimum guaranteed interest rate shown on the contract data page. We credit interest daily from the date the money is allocated to the specific Fixed Account Option up to, but not including, the date the money is withdrawn or transferred. We credit interest at a rate that compounds over one year to the annual effective interest rate we guaranteed when the money was allocated.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS During the Accumulation Phase, you may make additional Purchase PaymentsPayments may be made. You may change the The amount and frequency of Purchase PaymentsPayments may be changed. The minimum dollar amounts are shown on the contract data page. If you stop the Owner stops making Purchase PaymentsPayments on behalf of the Annuitant, all benefits under this Contract continue until the contract value is completely withdrawn. Purchase Payments must be in lawful currency of the United States and submitted to our Home Office at [777 ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇], or [P.O. ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, or P.O. Box 3882, Seattle, WA 98124-3882], or in a manner agreed to by Safeco LifeSymetra. We reserve the right to refuse reject any application by an Owner or Annuitant who is ineligible for this Contract, any Purchase PaymentPayment which does not meet the minimum payment amount shown on the contract data page, and any Purchase Payment in excess of $1 million. If we do not accept a Purchase Payment, we will return it within five business days. ALLOCATION OF PURCHASE Your PAYMENTS The initial Purchase Payment will be allocated PAYMENTS according to your the instructions on your the contract application. Unless you tell us we are told otherwise, subsequent Purchase Payments will be allocated in the same proportion as your the most recent Purchase Payment (unless that was a Purchase Payment you we were directed us to allocate on a one-time-only basis). Once we receive your a Purchase Payment, the portion to be allocated allocation to the Fixed Account is credited as of the day it is received. The portion to be allocated to the Portfolios Sub-accounts is effective and valued as of the next close of the New York Stock Exchange (NYSE). If for any reason the NYSE is closed when we receive your the Purchase Payment, it will be valued as of the close of the NYSE on its next regular business day. When we are required to guarantee a return of Purchase Payments during the Right to Examine period, we reserve the right to initially apply amounts designated for the Portfolios to the Safeco RST [Fidelity VIP Money Market Portfolio – Initial Service Class] as shown on the cover page of this Contract. These amounts will then be allocated according to the instructions we received, unless the Contract has been canceled. ACCUMULATION UNITS When Purchase Payments or transfers are made into a Sub-account, we credit the Contract with Accumulation Units. Similarly, when withdrawals or transfers of money are made from a Sub-account, Accumulation Units are liquidated. In either case, the increase or decrease in the manner you selectednumber of Accumulation Units is determined by taking the dollar amount of the Purchase Payment, unless you have canceled transfer, or withdrawal and dividing it by the Contractvalue of an Accumulation Unit on the date the transaction occurs. We calculate the value of an Accumulation Unit for each Sub-account after the NYSE closes each day. To determine the current Accumulation Unit value, we take the prior day’s Accumulation Unit value and multiply it by the Net Investment Factor for the current day. The Net Investment Factor is used to measure the daily change in Accumulation Unit value for each Sub-account. The Net Investment Factor equals: • the net asset value per share of a Sub-account at the end of the current day plus the per share amount of any dividend or income distributions made by the Sub-account that day; divided by • the net asset value per share of a Sub-account at the end of the prior day plus the per share amount of any dividend or income distributions made by the Sub-account that day; minus • the daily insurance charges, expressed as a percentage of the total net assets of the Sub-account. The value of an Accumulation Unit will usually go up or down from day to day.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS During the Accumulation Phase, you may make PAYMENTS additional Purchase Payments. You may change the amount and frequency of Purchase Payments. The minimum dollar amounts are shown on the contract data page. If you stop making Purchase Payments, all benefits under this Contract continue until the contract value is completely withdrawn. Purchase Payments must be in lawful currency of the United States and submitted to our Home Office at ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, or P.O. Box 3882, Seattle, WA 98124-3882, or in a manner agreed to by Safeco Life. We reserve the right to refuse any Purchase Payment. If we do not accept a Purchase Payment, we will return it within five business days. ALLOCATION OF PURCHASE Your initial and subsequent Purchase Payment will be PURCHASE allocated PAYMENTS according to your instructions on your PAYMENTS contract application. Unless you tell us otherwise, You may change the way subsequent Purchase Payments will be are allocated in the same proportion as your most recent Purchase Payment (unless that was a Purchase Payment you directed by providing us to allocate on a one-time-only basis)with new instructions. Once we receive your Purchase Payment, the portion to be allocated to the a Fixed Account Option is credited as of the day it is received. The portion to be allocated to the Portfolios is effective and valued as of the next close of the New York Stock Exchange (NYSE). If for any reason the NYSE is closed when we receive your Purchase Payment, it will be valued as of the close of the NYSE on its next regular business day. When we are required to guarantee a return of Purchase Payments during the Right to Examine period, we reserve the right to initially apply amounts designated for the Portfolios to the Safeco RST Money Market Portfolio as shown on the cover page of this Contract. These amounts will then be allocated in the manner you selected, unless you have canceled the Contract. ACCUMULATION When you make Purchase Payments or transfers into a UNITS Portfolio, we credit your Contract with Accumulation Units. Similarly, when you request a withdrawal or a transfer of money from a Portfolio, Accumulation Units are liquidated. In either case, the increase or decrease in the number of your Accumulation Units is determined by taking the dollar amount of the Purchase Payment, transfer, or withdrawal and dividing it by the value of an Accumulation Unit on the date the transaction occurs. We calculate the value of an Accumulation Unit for each Portfolio after the NYSE closes each day. To determine the current Accumulation Unit value, we take the prior day's Accumulation Unit value and multiply it by the Net Investment Factor for the current day. The Net Investment Factor is used to measure the daily change in Accumulation Unit value for each Portfolio. The Net Investment Factor equals: - the net asset value per share of a Portfolio at the end of the current day plus the per share amount of any dividend or income distributions made by the Portfolio that day; divided by - the net asset value per share of a Portfolio at the end of the prior day plus the per share amount of any dividend or income distributions made by the Portfolio that day; minus - the daily insurance charges, expressed as a percentage of the total net assets of the Portfolio. The value of an Accumulation Unit will usually go up or down from day to day. INVESTMENT OPTIONS VARIABLE You may allocate money to the Portfolios shown on INVESTMENT the contract data page. We reserve the right to add, OPTIONS combine, restrict, or remove any Portfolio as an investment option of this Contract. Portfolios have different investment objectives. Investment performance of a Portfolio may be positive or negative. SUBSTITUTION OF If any shares of the Portfolios are no longer SHARES available, or if in our view no longer meet the purpose of the Contract, it may be necessary to substitute shares of another Portfolio. We will seek prior approval of the Securities and Exchange Commission (SEC) to the extent required by law and give you notice before doing this. FIXED ACCOUNT The Fixed Account Options are part of Safeco Life's OPTIONS General Account and provide for guaranteed interest rates as follows. We establish the annual effective interest rates that apply to Purchase Payments allocated to the Fixed Account Options. The annual effective interest rate will be at least the minimum guaranteed interest rate shown on the contract data page. We credit interest daily from the date the money is allocated to the specific Fixed Account Option up to, but not including, the date the money is withdrawn or transferred. We credit interest at a rate that compounds over one year to the annual effective interest rate we guaranteed when the money was allocated.