Common use of SMALL CAP EQUITY FUND Clause in Contracts

SMALL CAP EQUITY FUND. NET ASSETS ANNUAL RATE ---------- ----------- First $250 million......................................... 0.745% Next $250 million.......................................... 0.73% Next $500 million.......................................... 0.715% Next $1.5 billion.......................................... 0.70% Next $2.5 billion.......................................... 0.685% Next $2.5 billion.......................................... 0.67% Next $2.5 billion.......................................... 0.655% Over $10 billion........................................... 0.64%

SMALL CAP EQUITY FUND. NET ASSETS ANNUAL RATE ---------- ----------- First $250 million......................................... ................................................ 0.745% Next $250 million.......................................... ................................................. 0.73% Next $500 million.......................................... ................................................. 0.715% Next $1.5 billion.......................................... ................................................. 0.70% Next $2.5 billion.......................................... ................................................. 0.685% Next $2.5 billion.......................................... ................................................. 0.67% Next $2.5 billion.......................................... ................................................. 0.655% Over $10 billion........................................... .................................................. 0.64%

SMALL CAP EQUITY FUND. NET ASSETS ANNUAL RATE ---------- ----------- First $250 million......................................... ............................................... 0.745% Next $250 million.......................................... ................................................ 0.73% Next $500 million.......................................... ................................................ 0.715% Next $1.5 billion.......................................... ................................................ 0.70% Next $2.5 billion.......................................... ................................................ 0.685% Next $2.5 billion.......................................... ................................................ 0.67% Next $2.5 billion.......................................... ................................................ 0.655% Over $10 billion........................................... ................................................. 0.64%

SMALL CAP EQUITY FUND. NET ASSETS ANNUAL RATE ---------- ----------- First $250 million......................................... ................................................. 0.745% Next $250 million.......................................... .................................................. 0.73% Next $500 million.......................................... .................................................. 0.715% Next $1.5 billion.......................................... .................................................. 0.70% Next $2.5 billion.......................................... .................................................. 0.685% Next $2.5 billion.......................................... .................................................. 0.67% Next $2.5 billion.......................................... .................................................. 0.655% Over $10 billion........................................... ................................................... 0.64%

SMALL CAP EQUITY FUND. NET ASSETS ANNUAL RATE ---------- ----------- First $250 million......................................... .................................................. 0.745% Next $250 million.......................................... ................................................... 0.73% Next $500 million.......................................... ................................................... 0.715% Next $1.5 billion.......................................... ................................................... 0.70% Next $2.5 billion.......................................... ................................................... 0.685% Next $2.5 billion.......................................... ................................................... 0.67% Next $2.5 billion.......................................... ................................................... 0.655% Over $10 billion........................................... .................................................... 0.64%