Common use of RIGHT TO CANCEL CONTRACT Clause in Contracts

RIGHT TO CANCEL CONTRACT. This Contract may be returned within [10] days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be canceled upon our receipt, and we will return your money in accordance with applicable law. Under certain circumstances, we have the right to allocate Purchase Payment(s) to the Money Market Subaccount until the expiration of the Right to Cancel period. If we so allocate Purchase Payment(s), we will refund the Purchase Payment(s), less any withdrawals, in the event of cancellation under the terms of this paragraph. READ YOUR CONTRACT CAREFULLY TABLE OF CONTENTS CONTRACT DATA PAGES DEFINITIONS PURCHASE PAYMENTS CREDITS CONTRACT VALUE VARIABLE SEPARATE ACCOUNT CONTRACT MAINTENANCE CHARGE TRANSFERS WITHDRAWALS PROTECTED VALUE GUARANTEED MINIMUM INCOME BENEFIT GUARANTEED MINIMUM DEATH BENEFIT ANNUITY AND SETTLEMENT OPTIONS BENEFICIARY SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT GENERAL PROVISIONS VALUES AND BENEFITS ANNUITY SETTLEMENT TABLES PURCHASE PAYMENTS: Initial Purchase Payment: Minimum Subsequent Purchase Payment: $1,000. For IRA contracts, the Minimum Subsequent Purchase Payment is $1,000. The Minimum Subsequent Purchase Payment for automatic purchase plans, if available, is $100. Annual Purchase Payment Limits: The total of all Purchase Payments made into this Contract in the first Contract Year may not exceed [$20,000,000]. The total of all Purchase Payments made into this Contract in any Contract Year after the first Contract Year may not exceed [$2,000,000]. Purchase Payments of greater value may be allowed with our prior approval. Aggregate Purchase Payment Limit: The total of all Purchase Payments made into this Contract may not exceed [$20,000,000]. Purchase Payments of greater value may be allowed with our prior approval. CREDIT PAYMENT: [4%] of Initial Purchase Payment. CREDIT VESTING SCHEDULE: Number of Contract Anniversaries Since Date of Each Purchase Payment Vested Percentage 10% 20% 30% 40% 50% 60% 70% 80% 100%] BENEFICIARY: As designated by Owner at Contract Date unless changed in accordance with the Contract provisions.

RIGHT TO CANCEL CONTRACT. This Contract may be returned within [10] days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be canceled upon our receipt, and we will return your money in accordance with applicable law. Under certain circumstances, we have the right to allocate Purchase Payment(s) to the Money Market Subaccount until the expiration of the Right to Cancel period. If we so allocate Purchase Payment(s), we will refund the Purchase Payment(s), less any withdrawals, in the event of cancellation under the terms of this paragraph. READ YOUR CONTRACT CAREFULLY TABLE OF CONTENTS CONTRACT DATA PAGES DEFINITIONS PURCHASE PAYMENTS CREDITS CONTRACT VALUE VARIABLE SEPARATE ACCOUNT DCA FIXED RATE INVESTMENT OPTION FIXED RATE INVESTMENT OPTION CONTRACT MAINTENANCE CHARGE TRANSFERS WITHDRAWALS PROTECTED VALUE GUARANTEED MINIMUM INCOME BENEFIT GUARANTEED MINIMUM DEATH BENEFIT ANNUITY AND SETTLEMENT OPTIONS BENEFICIARY SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT GENERAL PROVISIONS VALUES AND BENEFITS ANNUITY SETTLEMENT TABLES PURCHASE PAYMENTS: Initial Purchase Payment: Minimum Subsequent Purchase Payment: $1,000. For IRA contracts, the Minimum Subsequent Purchase Payment is $1,000. The Minimum Subsequent Purchase Payment for automatic purchase plans, if available, is $100. Annual Purchase Payment Limits: The total of all Purchase Payments made into this Contract in the first Contract Year may not exceed [$20,000,000]. The total of all Purchase Payments made into this Contract in any Contract Year after the first Contract Year may not exceed [$2,000,000]. Purchase Payments of greater value may be allowed with our prior approval. Aggregate Purchase Payment Limit: The total of all Purchase Payments made into this Contract may not exceed [$20,000,000]. Purchase Payments of greater value may be allowed with our prior approval. CREDIT PAYMENT: [4%] of Initial Purchase Payment. CREDIT VESTING SCHEDULE: Number of Contract Anniversaries Since Date of Each Purchase Payment Vested Percentage 10% 20% 30% 40% 50% 60% 70% 80% 100%] BENEFICIARY: As designated by Owner at Contract Date unless changed in accordance with the Contract provisions.

RIGHT TO CANCEL CONTRACT. This Contract may be returned within [10] days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be canceled upon our receipt, and we will return your money in accordance with applicable law. Under certain circumstances, we have the right to allocate Purchase Payment(s) to the Money Market Subaccount until the expiration of the Right to Cancel period. If we so allocate Purchase Payment(s), we will refund the Purchase Payment(s), less any withdrawals, in the event of cancellation under the terms of this paragraph. READ YOUR CONTRACT CAREFULLY TABLE OF CONTENTS CONTRACT DATA PAGES DEFINITIONS PURCHASE PAYMENTS CREDITS 2 CONTRACT VALUE VARIABLE SEPARATE ACCOUNT CONTRACT MAINTENANCE CHARGE TRANSFERS WITHDRAWALS PROTECTED VALUE GUARANTEED MINIMUM INCOME BENEFIT GUARANTEED MINIMUM DEATH BENEFIT ANNUITY AND SETTLEMENT OPTIONS BENEFICIARY SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT GENERAL PROVISIONS VALUES AND BENEFITS ANNUITY SETTLEMENT TABLES PURCHASE PAYMENTS: Initial Purchase Payment: Minimum Subsequent Purchase Payment: $1,000. For IRA contracts, the Minimum Subsequent Purchase Payment is $1,000. The Minimum Subsequent Purchase Payment for automatic purchase plans, if available, is $100. Annual Purchase Payment Limits: The total of all Purchase Payments made into this Contract in the first Contract Year may not exceed [$20,000,000]. The total of all Purchase Payments made into this Contract in any Contract Year after the first Contract Year may not exceed [$2,000,000]. Purchase Payments of greater value may be allowed with our prior approval. Aggregate Purchase Payment Limit: The total of all Purchase Payments made into this Contract may not exceed [$20,000,000]. Purchase Payments of greater value may be allowed with our prior approval. CREDIT PAYMENT: [4%] of Initial Purchase Payment. CREDIT VESTING SCHEDULE: Number of Contract Anniversaries Since Date of Each Purchase Payment Vested Percentage 10% 20% 30% 40% 50% 60% 70% 80% 100%] BENEFICIARY: As designated by Owner at Contract Date unless changed in accordance with the Contract provisions.

RIGHT TO CANCEL CONTRACT. This Contract may be returned within [10] days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be canceled upon our receipt, and we will return your money in accordance with applicable law. Under certain circumstances, we have the right to allocate Purchase Payment(s) to the Money Market Subaccount until the expiration of the Right to Cancel period. If we so allocate Purchase Payment(s), we will refund the Purchase Payment(s), less any withdrawals, in the event of cancellation under the terms of this paragraph. READ YOUR CONTRACT CAREFULLY TABLE OF CONTENTS CONTRACT DATA PAGES DEFINITIONS PURCHASE PAYMENTS CREDITS CONTRACT VALUE VARIABLE SEPARATE ACCOUNT DCA FIXED RATE INVESTMENT OPTION FIXED RATE INVESTMENT OPTION CONTRACT MAINTENANCE CHARGE TRANSFERS WITHDRAWALS PROTECTED VALUE GUARANTEED MINIMUM INCOME BENEFIT GUARANTEED MINIMUM DEATH BENEFIT ANNUITY AND SETTLEMENT OPTIONS BENEFICIARY SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT GENERAL PROVISIONS VALUES AND BENEFITS ANNUITY SETTLEMENT TABLES PURCHASE PAYMENTS: Initial Purchase Payment: Minimum Subsequent Purchase Payment: $1,000. For IRA contracts, the Minimum Subsequent Purchase Payment is $1,000. The Minimum Subsequent Purchase Payment for automatic purchase plans, if available, is $100. Annual Purchase Payment Limits: The total of all Purchase Payments made into this Contract in the first Contract Year may not exceed [$20,000,000]. The total of all Purchase Payments made into this Contract in any Contract Year after the first Contract Year may not exceed [$2,000,000]. Purchase Payments of greater value may be allowed with our prior approval. Aggregate Purchase Payment Limit: The total of all Purchase Payments made into this Contract may not exceed [$20,000,000]. Purchase Payments of greater value may be allowed with our prior approval. CREDIT PAYMENT: [4%] of Initial Purchase Payment. CREDIT VESTING SCHEDULE: Number of Contract Anniversaries Since Date of Each Purchase Payment Vested Percentage 10% 20% 30% 40% 50% 60% 70% 80% 100%] BENEFICIARY: As designated by Owner at Contract Date unless changed in accordance with the Contract provisions.