Common use of RIGHT TO EXAMINE AND RETURN THIS CONTRACT Clause in Contracts

RIGHT TO EXAMINE AND RETURN THIS CONTRACT. We want You to be satisfied with the Contract You have purchased. We urge You to closely examine its provisions. If for any reason You are not satisfied, You may cancel the Contract by returning it within 10 days after You receive it if this is not a replacement contract or 30 days, if this is a replacement contract. A written request for cancellation must accompany the Contract. Mail or deliver the Contract and written request to Us at the Annuity Service Center address shown on the Contract Data Page or to the agent from whom it was purchased. If You return the Contract by mail, it will be deemed returned on being postmarked, properly addressed and postage prepaid. In such an event, we will pay You the Contract Value plus any applicable Rider Charges deducted from premiums or imposed under the Contract. THIS CONTRACT HAS AN ANNUITY BENEFIT PAYABLE ON THE ANNUITY COMMENCEMENT DATE. A DEATH BENEFIT IS PAYABLE IN THE EVENT OF THE OWNER'S DEATH PRIOR TO THE ANNUITY COMMENCEMENT DATE. WHILE CONTRACT VALUES MAY BE AFFECTED BY AN EXTERNAL INDEX OR INDICES, THE CONTRACT DOES NOT DIRECTLY PARTICIPATE IN ANY STOCK OR EQUITY INVESTMENT. THE CONTRACT CONTAINS A FIXED STRATEGY AND AN INDEXED STRATEGY. THE CONTRACT VALUE MAY INCREASE OR DECREASE BASED ON THE CALCULATIONS DESCRIBED IN THE INDEXED OR FIXED STRATEGY(IES) YOU HAVE SELECTED.

RIGHT TO EXAMINE AND RETURN THIS CONTRACT. We want You to be satisfied with the Contract You have purchased. We urge You to closely examine its provisions. If for any reason You are not satisfied, You may cancel the Contract by returning it within 10 days after You receive it if this is not a replacement contract or 30 days, if this is a replacement contract. A written request for cancellation must accompany the Contract. Mail or deliver the Contract and written request to Us at the Annuity Service Center address shown on the Contract Data Page or to the agent from whom it was purchased. If You return the Contract by mail, it will be deemed returned on being postmarked, properly addressed and postage prepaid. In such an event, we will pay You the Contract Value plus any applicable Rider Charges deducted from premiums or imposed under the Contract. THIS CONTRACT HAS AN ANNUITY BENEFIT PAYABLE ON THE ANNUITY COMMENCEMENT DATE. A DEATH BENEFIT IS PAYABLE IN THE EVENT OF THE OWNER'S DEATH PRIOR TO THE ANNUITY COMMENCEMENT DATE. WHILE CONTRACT VALUES MAY BE AFFECTED BY AN EXTERNAL INDEX OR INDICES, THE CONTRACT DOES NOT DIRECTLY PARTICIPATE IN ANY STOCK OR EQUITY INVESTMENT. THE CONTRACT CONTAINS A FIXED STRATEGY AND STRATEGY, AN INDEXED STRATEGY, AND, IF APPLICABLE, A PERFORMANCE CREDIT ACCOUNT. THE CONTRACT VALUE MAY INCREASE OR DECREASE BASED ON THE CALCULATIONS DESCRIBED IN THE INDEXED STRATEGY(IES), FIXED STRATEGY, OR FIXED STRATEGY(IES) YOU HAVE SELECTEDPERFORMANCE CREDIT ACCOUNT, IF APPLICABLE.

RIGHT TO EXAMINE AND RETURN THIS CONTRACT. We want You to be satisfied with the Contract You have purchased. We urge You to closely examine its provisions. If for any reason You are not satisfied, You may cancel the Contract by returning it within 10 days after You receive it if this is not a replacement contract or 30 days, if this is a replacement contract. A written request for cancellation must accompany the Contract. Mail or deliver the Contract and written request to Us at the Annuity Service Center address shown on the Contract Data Specifications Page or to the agent from whom it was purchased. If You return the Contract by mail, it will be deemed returned on being postmarked, properly addressed addressed, and postage prepaid. In such an event, we We will pay You the Contract Value on the date of surrender, plus any applicable Rider Charges fees and charges deducted from the premiums or imposed under the such Contract. For the Separate Account portion, You bear only the investment risk during the period prior to Our receipt of request for cancellation. Signed for the Company SAMPLE I-SHARE (FR4) SECRETARY PRESIDENT PREMIUM PAYMENTS ARE FLEXIBLE AS DESCRIBED HEREIN. RIGHT TO ADDITIONAL INFORMATION: You may request in writing additional information regarding the benefits and provisions of your Contract, and we will respond to your written request, in writing or verbally, within a reasonable amount of time but in no event not later than ten (10) days from the date on which we received Your written request. This Contract is an Individual Flexible Premium Variable Annuity. It is nonparticipating. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SUB-ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. DETAILS OF THE VARIABLE PROVISIONS ARE DESCRIBED UNDER VALUATION PROVISIONS, PAGES 6 AND 7. ICC12-FLICVA-NCDSC 1 TABLE OF CONTENTS PAGE Annuity Provisions 12 Annuity Tables 15 Contract Control Provisions 8 Death Benefits 11 Definition of Certain Terms 4 General Provisions 8 Premium Payments 6 Surrenders and Partial Withdrawals 10 Transfers Between Accounts 7 Valuation Provisions 6 CONTRACT HAS AN ANNUITY BENEFIT PAYABLE ON THE SPECIFICATIONS PAGE CONTRACT NUMBER SPECIMEN ISSUE DATE 07-14-2016 ANNUITANT XXXXX XXXXX ANNUITY COMMENCEMENT DATE. A DEATH BENEFIT IS PAYABLE IN THE EVENT OF THE OWNER'S DEATH PRIOR TO THE ANNUITY COMMENCEMENT DATE. WHILE CONTRACT VALUES MAY BE AFFECTED BY AN EXTERNAL INDEX OR INDICES, THE CONTRACT DOES NOT DIRECTLY PARTICIPATE IN ANY STOCK OR EQUITY INVESTMENT. THE CONTRACT CONTAINS A FIXED STRATEGY AND AN INDEXED STRATEGY. THE DATE 01-01-2046 ANNUITANT AGE 35 INITIAL PREMIUM PAYMENT $10,000 ANNUITANT GENDER MALE MINIMUM SUBSEQUENT PAYMENT $500 DESIGNATED BENEFICIARY XXX XXXXX MINIMUM CONTRACT VALUE MAY INCREASE OR DECREASE $2,500 OWNER XXXXX XXXXX MINIMUM ANNUITY PAYMENT $100 JOINT OWNER XXXX XXXXX PREMIUM BASED ON THE CALCULATIONS DESCRIBED IN THE INDEXED OR FIXED STRATEGY(IES) YOU HAVE SELECTEDCHARGE 0.00% OWNER AGE 35 MINIMUM INITIAL PREMIUM $5,000 for Qualified Plans, $10,000 for Non-Qualified Plans INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY CONTRACT SEPARATE ACCOUNT: Separate Account A MORTALITY AND EXPENSE RISK CHARGE: 1.45% Per annum of the daily Sub-Accounts value. ADMINISTRATION CHARGE: 0.20% Per annum of the daily Sub-Accounts value. ANNUAL MAINTENANCE FEE: $0 If the Contract Value is $50,000 or more on the Contract Anniversary. $50 If the Contract Value is less than $50,000 on the Contract Anniversary and when the Contract is fully surrendered. ADDITIONAL PREMIUMS: Additional payments must be at least equal to the minimum subsequent Premium Payment shown on the Contract Specifications Page. Our approval is required for any Premium Payment if the aggregate of all Premium Payments received from You under all deferred variable annuity contracts issued by Us or Our affiliates then equals or exceeds $1,000,000. Our approval is also required for any Premium Payment if the aggregate of all Premium Payments received from You under this Contract exceeds 150% of the Initial Premium.