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%