Common use of SEPARATE ACCOUNT CHARGE Clause in Contracts

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract is allocated. This charge compensates Us for mortality and expense risks, distribution, and administration expenses associated with the Contract. We subtract this charge daily. We reserve the right to assess a charge on a class basis which differs from the charge specified on the Contract Data Page. TRANSFER PROVISIONS Prior to the Annuity Date, You may transfer all or part of Your Contract Value from any Variable Portfolio to any other Variable Portfolio(s) or available Fixed Account Options subject to applicable restrictions. The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges, including possible termination of those privileges in Our sole discretion. TRANSFERS OF ACCUMULATION AND ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to the Annuity Date, transfers are subject to certain restrictions. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge daily. FS-993-PPS9 (12/10) 10 TRANSFER FEE We reserve the right to assess permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges. Furthermore, including possible termination the Underlying Funds, may have their own transfer policies that are applicable to this Contract as a result of those privileges investment in Our sole discretionthe Variable Portfolios. TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contractContract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge daily. TRANSFER FEE We reserve the right to assess permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges. Furthermore, including possible termination the Underlying Funds, may have their own transfer policies that are applicable to this Contract as a result of those privileges investment in Our sole discretionthe Variable Portfolios. FS-993-PPIII (12/10) 10 TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contractContract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which FS-997-PVGII (5/11) 10 the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge daily. TRANSFER FEE We reserve the right to assess permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges. Furthermore, including possible termination the Underlying Funds, may have their own transfer policies that are applicable to this Contract as a result of those privileges investment in Our sole discretionthe Variable Portfolios. TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contractContract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge daily. FS-995 (12/10) 10 TRANSFER FEE We reserve the right to assess permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges. Furthermore, including possible termination the Underlying Funds, may have their own transfer policies that are applicable to this Contract as a result of those privileges investment in Our sole discretionthe Variable Portfolios. TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contractContract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge daily. TRANSFER FEE We reserve the right to assess permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges. Furthermore, including possible termination the Underlying Funds, may have their own transfer policies that are applicable to this Contract as a result of those privileges investment in Our sole discretionthe Variable Portfolios. FS-998 (6/11) 10 TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contractContract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge daily. TRANSFER FEE We reserve the right to assess permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges. Furthermore, including possible termination the Underlying Funds, may have their own transfer policies that are applicable to this Contract as a result of those privileges investment in Our sole discretionthe Variable Portfolios. FS-993 (12/10) 10 TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contractContract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge daily. TRANSFER FEE We reserve the right to assess permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges. Furthermore, including possible termination the Underlying Funds, may have their own transfer policies that are applicable to this Contract as a result of those privileges investment in Our sole discretionthe Variable Portfolios. FS-993-PPS7 (12/10) 10 TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contractContract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which all or part of the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge dailydaily from the Separate Account. TRANSFER FEE We permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We reserve the right to assess may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer in that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and is subject to the Minimum Transfer Amount, as shown on the Contract Data page. The amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are is subject to Company limits. We further reserve the right to restrict Your transfer privileges. Due to the risks that frequent transfers impose upon Owners and other investors in Variable Portfolio(s) and/or Underlying Funds, We or the manager of an Underlying Fund may limit transfer and impose other requirements to minimize these risks, including possible termination of those privileges but not limited to, requiring a minimum amount that can be transferred, and an amount that can remain in Our sole discretiona Variable Portfolio and/or available Fixed Account Option after a transfer. TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account OptionsOption(s). You may also transfer all or a portion of Your Contract Value from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) other than the DCA Fixed Account Option(s) of the contractContract. A transfer to a Variable Portfolio will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in US-803 (12/15) 11 Table of Contents the other Variable Portfolio. Transfers will be effected effective at the end of the NYSE business day in Business Day on which We receive Your completed request for the Written transfer request. Unless You instruct Us to make a transfer. After the Annuity Date, transfers into and out of Your allocation to any available Fixed Account Option(s) are not allowedand Variable Portfolio(s) will remain unchanged, subject to the terms of the Contract. You may We reserve the right to terminate Your ability to transfer all or a portion of Your Contract Value from one Variable Portfolio to another any discontinued Fixed Account Option(s) and/or Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers Written notification will be effected for the provided to You at Your last NYSE business day known address prior to any such termination of the month in which We receive Your request for the ability to transfer.

SEPARATE ACCOUNT CHARGE. This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which the Contract Value is allocated. This charge compensates Us for the mortality and expense risks, distribution, risk and administration expenses associated with the Contractcosts of contract distribution assumed by Us. We subtract this charge daily. TRANSFER FEE We reserve the right to assess permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s) each Contract Year. We may charge You a charge on a class basis which differs from the charge specified fee, as shown on the Contract Data Page, for each additional transfer that Contract Year, except for transfers made as part of an automated transfer program. TRANSFER PROVISIONS Prior Subject to the Annuity Dateapplicable restrictions, You may transfer all or part of Your Contract Value from any amongst the Variable Portfolio to any other Variable Portfolio(s) or Portfolios and/or available Fixed Account Options subject to applicable restrictionsOption(s) (unless otherwise noted). The minimum amount that can be transferred and the amount that can remain in a Variable Portfolio or and/or available Fixed Account Option are subject to Company limits. We further reserve the right to restrict Your transfer privileges. Furthermore, including possible termination the Underlying Funds, may have their own transfer policies that are applicable to this Contract as a result of those privileges investment in Our sole discretionthe Variable Portfolios. FS-993-PPS4 (12/10) 10 TRANSFERS OF ACCUMULATION AND BEFORE THE ANNUITY UNITS BETWEEN VARIABLE PORTFOLIOS AND FIXED ACCOUNTS Prior to DATE Before the Annuity Date, transfers are subject to certain restrictionsrestrictions as indicated above and on the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the Variable Portfolio(s) and/or any available Fixed Account Option(s) of the contractContract. A transfer will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the NYSE business day in which We receive Your completed request for the transfer. After the Annuity Date, transfers into and out of any available Fixed Account Option(s) are not allowed. You may transfer all or a portion of Your Contract Value from one Variable Portfolio to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers will be effected for the last NYSE business day of the month in which We receive Your request for the transfer.