Common use of Right to Examine Clause in Contracts

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. For Individual Retirement Annuities, or if a refund of the Purchase Payment(s) is otherwise required, We reserve the right to allocate Your Purchase Payment(s) to the Cash Management Portfolio until the end of the Right To Examine period. With 30 days advance notice, we may cease offering Fixed Account Guarantee Period Options and/or Dollar Cost Averaging Fixed Account Options if market conditions are such that we are not able to credit the Minimum Guarantee Rate shown on the Contract Data Page. THIS IS A LEGAL DOCUMENT. READ IT CAREFULLY. ¬3 For Inquiries Call: [0-000-000-0000] ¬4 INDIVIDUAL FIXED AND VARIABLE DEFERRED ANNUITY CONTRACT Nonparticipating FS-993-PPIII (12/10) 1 TABLE OF CONTENTS Definitions Page 5 Purchase Payment Provisions Page 8 Accumulation Provisions Page 8 Charges and Deductions Page 10 Transfer Provisions Page 10 Withdrawal Provisions Page 11 Annuity Provisions Page 16 General Provisions Page 17 Annuity Income Payment Options Page 20 Fixed Annuity Income Payment Options Table Page 21 Variable Annuity Income Payment Options Table Page 24 FS-993-PPIII (12/10) 2 CONTRACT DATA PAGE Contract Number: [P9999999999] ¬1 Contract Date: [May 2, 2011] ¬1

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. For Individual Retirement Annuities, or if a refund of the Purchase Payment(s) is otherwise required, We reserve the right to allocate Your Purchase Payment(s) to the Cash Management Portfolio until the end of the Right To Examine period. With 30 days advance notice, we may cease offering Fixed Account Guarantee Period Options and/or Dollar Cost Averaging Fixed Account Options if market conditions are such that we are not able to credit the Minimum Guarantee Rate shown on the Contract Data Page. THIS IS A LEGAL DOCUMENT. READ IT CAREFULLY. ¬3 For Inquiries Call: [0-000-000-0000] ¬4 INDIVIDUAL FIXED AND VARIABLE DEFERRED ANNUITY CONTRACT Nonparticipating FS-993-PPIII PPS4 (12/10) 1 TABLE OF CONTENTS Definitions Page 5 Purchase Payment Provisions Page 8 Accumulation Provisions Page 8 Charges and Deductions Page 10 Transfer Provisions Page 10 Withdrawal Provisions Page 11 Death Provisions Page 12 Annuity Provisions Page 16 General Provisions Page 17 Annuity Income Payment Options Page 20 Fixed Annuity Income Payment Options Table Page 21 Variable Annuity Income Payment Options Table Page 24 FS-993-PPIII PPS4 (12/10) 2 CONTRACT DATA PAGE Contract Number: [P9999999999] ¬1 P9999999999]¬1 Contract Date: [May 2, 2011] ¬1

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. For Individual Retirement Annuities, or if a refund of the Purchase Payment(s) is otherwise required, required We reserve the right to allocate Your your Purchase Payment(s) to the Cash Management Portfolio until the end of the Right To Examine period. Thereafter, allocations will be made as selected by You on Your Application. With 30 days advance notice, we may cease offering Fixed Account Guarantee Period Options and/or Dollar Cost Averaging Fixed Account Options if market conditions are such that we are not able to credit the Minimum Guarantee Rate shown on the Contract Data Page. THIS IS A LEGAL DOCUMENT. READ IT CAREFULLY. ¬3 For Inquiries Call: [0-000-000-0000] ¬4 INDIVIDUAL FIXED AND VARIABLE DEFERRED ANNUITY CONTRACT Nonparticipating FS-993-PPIII (12/10) 1 TABLE OF CONTENTS Definitions Page 5 Table of Contents TABLE OF CONTENTS Purchase Payment Provisions Page 8 7 Accumulation Provisions Page 8 Charges and Deductions Page 10 9 Transfer Provisions Page 10 Withdrawal Provisions Page 11 10 Annuity Provisions Page 16 15 General Provisions Page 17 16 Annuity Income Payment Options Page 20 19 Fixed Annuity Income Payment Options Table Page 21 Variable Annuity Income Payment Options 20 Table of Contents Contract Data Page 24 FS-993-PPIII (12/10) 2 CONTRACT DATA PAGE Contract Number: Annuity Service Center: [P9999999999] ¬1 P. O. BOX 54299 LOS ANGELES, CA 90054-0299 Owner: Age at Issue: [35] [XXXX XXX] Initial Purchase Payment: [$10,000.00] Annuitant: [XXXX XXX] Contract Date: [May 2December 1, 20111996] ¬1Specified Annuity Date: Current Interest Rate for Fixed Account [December 1, 2026] Options:

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. For Individual Retirement Annuities, or if a refund of the Purchase Payment(s) is otherwise required, We reserve the right to allocate Your Purchase Payment(s) to the Cash Management Portfolio until the end of the Right To Examine period. With 30 days advance notice, we may cease offering Fixed Account Guarantee Period Options and/or Dollar Cost Averaging Fixed Account Options if market conditions are such that we are not able to credit the Minimum Guarantee Rate shown on the Contract Data Page. THIS IS A LEGAL DOCUMENT. READ IT CAREFULLY. ¬3 For Inquiries Call: [0-000-000-0000] ¬4 INDIVIDUAL FIXED AND VARIABLE DEFERRED ANNUITY CONTRACT Nonparticipating FS-993-PPIII FS-995 (12/10) 1 TABLE OF CONTENTS Definitions Page 5 Purchase Payment Provisions Page 8 Accumulation Provisions Page 8 Charges and Deductions Page 10 Transfer Provisions Page 10 11 Withdrawal Provisions Page 11 Annuity Provisions Page 16 General Provisions Page 17 18 Annuity Income Payment Options Page 20 21 Fixed Annuity Income Payment Options Table Page 21 22 Variable Annuity Income Payment Options Table Page 24 FS-993-PPIII 25 FS-995 (12/10) 2 CONTRACT DATA PAGE Contract Number: [P9999999999] ¬1 Contract Date: [May 2, 2011] ¬1