Common use of SEPARATE ACCOUNT ACCUMULATION VALUE Clause in Contracts

SEPARATE ACCOUNT ACCUMULATION VALUE. The Separate Account Accumulation Value under the Contract is the sum of the Accumulation Unit Values held in the Variable Portfolios for You. NUMBER OF ACCUMULATION UNITS Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal to: The sum of each Purchase Payment and/or transfer amount allocated to the Variable Portfolio reduced by premium taxes, if any: Divided by The Accumulation Unit Value for that Variable Portfolio for the NYSE business day in which the Purchase Payment or transfer amount is received. The number of Accumulation Units will be reduced for Withdrawals of Contract Value, annuitizations, amounts transferred out of a Variable Portfolio, the Contract Maintenance Fee, if applicable, and applicable charges for any elected features as set forth in Endorsements to this Contract. Any reduction to the Contract Value will be made as of the NYSE business day in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Portfolio for any NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where:

SEPARATE ACCOUNT ACCUMULATION VALUE. The Separate Account Accumulation Value under the Contract is the sum of the Accumulation Unit Values held in the Variable Portfolios for You. NUMBER OF ACCUMULATION UNITS Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal toequal: The sum of each Purchase Payment and/or transfer amount allocated to the Variable Portfolio reduced by premium taxes, if any: Divided by The Accumulation Unit Value for that Variable Portfolio for the NYSE business day in which the Purchase Payment or transfer amount is received. The number of Accumulation Units will be reduced for Withdrawals of Contract Value, annuitizations, amounts transferred out of a Variable Portfolio, the Contract Maintenance Fee, if applicable, Fee and applicable charges for any elected optional features as set forth in Endorsements endorsements to this Contract. Any reduction to the Contract Value will be made as of the NYSE business day in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Portfolio for any NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where:

SEPARATE ACCOUNT ACCUMULATION VALUE. The Separate Account Accumulation Value under the Contract is the sum of the Accumulation Unit Values held in the Variable Portfolios for You. NUMBER OF ACCUMULATION UNITS The Company does not hold itself out to be a trustee of the Separate Account. Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal to: The sum of each Purchase Payment and/or transfer amount allocated to the Variable Portfolio reduced by any applicable premium taxes, if any: Divided by The Accumulation Unit Value for that Variable Portfolio for the NYSE business day Business Day in which the Purchase Payment or transfer amount is receivedallocated to the Variable Portfolio. The number of Accumulation Units will be reduced for Withdrawals of Contract ValueWithdrawals, annuitizationsAnnuitization, amounts transferred out of a Variable Portfolio, the Contract Maintenance Fee, if applicable, and applicable charges for any elected features as set forth in Endorsements endorsements or riders to this Contract. Any reduction to the Contract Value will be made as of the NYSE business day Business Day in which We receive all requirements In Writing for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Portfolio for any NYSE business day Business Day is calculated by subtracting (2) from (1) and dividing the result by (3) wheredetermined as follows: