Common use of Reports to Owner Clause in Contracts

Reports to Owner. At least once a year as of a date not more than four months previous to the date of mailing, We will send You, without charge, a statement showing (1) the Contract Value as of the beginning and end dates of the period, (2) the contract's surrender value and any outstanding loan value as of the end date of the period, (3) the contract's death benefit, and (4) amounts credited or debited during the period, identified by type. This statement will also show any other information required under state or federal law. It will be mailed to Your last known post office address. We will also send You, without charge, notices of current or other values upon Your request. EVIDENCE OF SURVIVAL Where any payments under this contract depend on the recipient or Annuitant being alive on a certain date, We may require proof satisfactory to Us that such condition has been met. Such proof may be required prior to making the payments. PROTECTION OF PROCEEDS Payments under this contract are not assignable by any beneficiary prior to the time they are due. To the extent allowed by law, payments are not subject to the claims of creditors or to legal process. PAYMENTS BY US All sums payable by Us are payable at Our corporate office. Any payment or surrender from a variable subaccount is based on the variable subaccount value. VOTING RIGHTS If federal law requires, We will give certain voting rights to contract owners. If You have voting rights, We will send You a notice telling You the time and place of a shareholder meeting. The notice will also explain matters to be voted upon and how many votes to which You are entitled.

Reports to Owner. At least once a year as of a date not more than four months previous to the date of mailing, We will send You, without charge, a statement showing (1) the Contract Value as of the beginning and end dates of the period, (2) the contract's surrender value and any outstanding loan value as of the end date of the period, (3) the contract's death benefit, and (4) amounts credited or debited during the period, identified by type. This statement will also show any other information required under state or federal law. It will be mailed to Your last known post office address. We will also send You, without charge, notices notice of current or other values upon Your request. EVIDENCE OF SURVIVAL Where any payments under this contract depend on the recipient or Annuitant being alive on a certain date, We may require proof satisfactory to Us that such condition has been met. Such proof may be required prior to making the payments. PROTECTION OF PROCEEDS Payments under this contract are not assignable by any beneficiary prior to the time they are due. To the extent allowed by law, payments are not subject to the claims of creditors or to legal process. PAYMENTS BY US All sums payable by Us are payable at Our corporate office. Any payment or surrender from a 411380-NY Page 6 (04/2013) variable subaccount is based on the variable subaccount value. VOTING RIGHTS If federal law requires, We will give certain voting rights to contract owners. If You have voting rights, We will send You a notice telling You the time and place of a shareholder meeting. The notice will also explain matters to be voted upon and how many votes to which You are entitled.. TERMINATION OF THE CONTRACT The contract will be terminated under the following conditions:

Reports to Owner. At least once a year as of a date not more than four months previous to the date of mailing, We will send You, without charge, a statement showing (1) the Contract Value as of the beginning and end dates of the period, (2) the contract's surrender value and any outstanding loan value as of the end date of the period, and (3) the contract's death benefit, and (4) amounts credited or debited during the period, identified by type. This statement will also show any other information required under state or federal law. It will be mailed to Your last known post office address. We will also send You, without charge, notices notice of current or other values upon Your request. EVIDENCE OF SURVIVAL Where any payments under this contract depend on the recipient or Annuitant being alive on a certain date, We may require proof satisfactory to Us that such condition has been met. Such proof may be required prior to making the payments. PROTECTION OF PROCEEDS Payments under this contract are not assignable by any beneficiary prior to the time they are due. To the extent allowed by law, payments are not subject to the claims of creditors or to legal process. ICC12 411381 Page 5 (04/2013) PAYMENTS BY US All sums payable by Us are payable at Our corporate office. Any payment or surrender from a variable subaccount is based on the variable subaccount value. VOTING RIGHTS If federal law requires, We will give certain voting rights to contract owners. If You have voting rights, We will send You a notice telling You the time and place of a shareholder meeting. The notice will also explain matters to be voted upon and how many votes to which You are entitled.. TERMINATION OF THE CONTRACT The contract will be terminated under the following conditions:

Reports to Owner. At least once a year as of a date not more than four months previous to the date of mailing, We will send You, without charge, a statement showing (1) the Contract Value as of the beginning and end dates of the period, (2) the contract's surrender value and any outstanding loan value as of the end date of the period, (3) the contract's death benefit, and (4) amounts credited or debited during the period, identified by type. This statement will also show any other information required under state or federal law. It will be mailed to Your last known post office address. We will also send You, without charge, notices notice of current or other values upon Your request. EVIDENCE OF SURVIVAL Where any payments under this contract depend on the recipient or Annuitant being alive on a certain date, We may require proof satisfactory to Us that such condition has been met. Such proof may be required prior to making the payments. PROTECTION OF PROCEEDS Payments under this contract are not assignable by any beneficiary prior to the time they are due. To the extent allowed by law, payments are not subject to the claims of creditors or to legal process. PAYMENTS BY US All sums payable by Us are payable at Our corporate office. Any payment or surrender from a 411381-NY Page 6 (4/2013) variable subaccount is based on the variable subaccount value. VOTING RIGHTS If federal law requires, We will give certain voting rights to contract owners. If You have voting rights, We will send You a notice telling You the time and place of a shareholder meeting. The notice will also explain matters to be voted upon and how many votes to which You are entitled.. TERMINATION OF THE CONTRACT The contract will be terminated under the following conditions:

Reports to Owner. At least once a year as of a date not more than four months previous to the date of mailing, We will send You, without charge, a statement showing (1) the Contract Value as of the beginning and end dates of the period, (2) the contract's surrender value and any outstanding loan value as of the end date of the period, and (3) the contract's death benefit, and (4) amounts credited or debited during the period, identified by type. This statement will also show any other information required under state or federal law. It will be mailed to Your last known post office address. We will also send You, without charge, notices notice of current or other values upon Your request. EVIDENCE OF SURVIVAL Where any payments under this contract depend on the recipient or Annuitant being alive on a certain date, We may require proof satisfactory to Us that such condition has been met. Such proof may be required prior to making the payments. PROTECTION OF PROCEEDS Payments under this contract are not assignable by any beneficiary prior to the time they are due. To the extent allowed by law, payments are not subject to the claims of creditors or to legal process. ICC12 411382 Page 5 (04/2013) PAYMENTS BY US All sums payable by Us are payable at Our corporate office. Any payment or surrender from a variable subaccount is based on the variable subaccount value. VOTING RIGHTS If federal law requires, We will give certain voting rights to contract owners. If You have voting rights, We will send You a notice telling You the time and place of a shareholder meeting. The notice will also explain matters to be voted upon and how many votes to which You are entitled.. TERMINATION OF THE CONTRACT The contract will be terminated under the following conditions:

Reports to Owner. At least once a year as of a date not more than four months previous to the date of mailing, We will send You, without charge, a statement showing (1) the Contract Value as of the beginning and end dates of the period, (2) the contract's surrender value and any outstanding loan value as of the end date of the period, and (3) the contract's death benefit, and (4) amounts credited or debited during the period, identified by type. This statement will also show any other information required under state or federal law. It will be mailed to Your last known post office address. We will also send You, without charge, notices notice of current or other values upon Your request. EVIDENCE OF SURVIVAL Where any payments under this contract depend on the recipient or Annuitant being alive on a certain date, We may require proof satisfactory to Us that such condition has been met. Such proof may be required prior to making the payments. 411380 Page 5 (04/2013) PROTECTION OF PROCEEDS Payments under this contract are not assignable by any beneficiary prior to the time they are due. To the extent allowed by law, payments are not subject to the claims of creditors or to legal process. PAYMENTS BY US All sums payable by Us are payable at Our corporate office. Any payment or surrender from a variable subaccount is based on the variable subaccount value. VOTING RIGHTS If federal law requires, We will give certain voting rights to contract owners. If You have voting rights, We will send You a notice telling You the time and place of a shareholder meeting. The notice will also explain matters to be voted upon and how many votes to which You are entitled.. TERMINATION OF THE CONTRACT The contract will be terminated under the following conditions:

Reports to Owner. At least once a year as of a date not more than four months previous to the date of mailing, We will send You, without charge, a statement showing (1) the Contract Value as of the beginning and end dates of the period, (2) the contract's surrender value and any outstanding loan value as of the end date of the period, (3) the contract's death benefit, and (4) amounts credited or debited during the period, identified by type. This statement will also show any other information required under state or federal law. It will be mailed to Your last known post office address. We will also send You, without charge, notices notice of current or other values upon Your request. EVIDENCE OF SURVIVAL Where any payments under this contract depend on the recipient or Annuitant being alive on a certain date, We may require proof satisfactory to Us that such condition has been met. Such proof may be required prior to making the payments. PROTECTION OF PROCEEDS Payments under this contract are not assignable by any beneficiary prior to the time they are due. To the extent allowed by law, payments are not subject to the claims of creditors or to legal process. PAYMENTS BY US All sums payable by Us are payable at Our corporate office. Any payment or surrender from a 411382-NY Page 6 (04/2013) variable subaccount is based on the variable subaccount value. VOTING RIGHTS If federal law requires, We will give certain voting rights to contract owners. If You have voting rights, We will send You a notice telling You the time and place of a shareholder meeting. The notice will also explain matters to be voted upon and how many votes to which You are entitled.. TERMINATION OF THE CONTRACT The contract will be terminated under the following conditions: