Common use of SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS Clause in Contracts

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year do not exceed [7%] of the sum of cumulative premiums, plus any credits, but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that year. The Special Partial Withdrawal Adjustment is equal to the amount of Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death Benefit, in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal Adjustment. The Prorata Partial Withdrawal Adjustment to a death benefit component for a partial withdrawal is equal to (1) divided by (2), multiplied by (3), where: (1) is the Accumulation Value withdrawn, (2) is the Accumulation Value immediately prior to withdrawal, and (3) is the amount of the applicable death benefit component immediately prior to the withdrawal.

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year do not exceed [7%] of the sum of cumulative premiums, plus and any creditsCredits, but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that year. The Special Partial Withdrawal Adjustment is equal to the amount of Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death Benefit, and in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal Adjustment. The Prorata Partial Withdrawal Adjustment to a death benefit component for a partial withdrawal is equal to (1) divided by (2), multiplied by (3), where: (1) is the Accumulation Value withdrawn, (2) is the Accumulation Value immediately prior to withdrawal, and (3) is the amount of the applicable death benefit component immediately prior to the withdrawal.. GA-RA-1044-1

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that the component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year any Contract Year do not exceed [7%] of the sum of cumulative premiums, plus premiums and any creditsCredits, but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that year. The Special Partial Withdrawal Adjustment is equal to the amount of the Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death BenefitBenefit Base, and in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal AdjustmentAdjustments. 107 The Prorata Partial Withdrawal Adjustment to a death benefit Death Benefit component for a partial withdrawal is equal to (1) divided by (2), ) multiplied by (3), where: (1) is the Accumulation Value withdrawn, ; (2) is the Accumulation Value immediately prior to withdrawal, ; and (3) is the amount of the applicable death benefit Death Benefit component immediately prior to the withdrawal. Separate adjustments will apply to the amounts in the Special and non-Special Funds.

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year do not exceed [7%] of the sum of cumulative premiums, plus any credits, premiums but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that yearpaid. The Special Partial Withdrawal Adjustment is equal to the amount of Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death Benefit, in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal Adjustment. The Prorata Partial Withdrawal Adjustment to a death benefit component for a partial withdrawal is equal to (1) divided by (2), multiplied by (3), where: (1) is the Accumulation Value withdrawn, (2) is the Accumulation Value immediately prior to withdrawal, and (3) is the amount of the applicable death benefit component immediately prior to the withdrawal.

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year do not exceed [7%] of the sum of cumulative premiums, plus any credits, but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that year. The Special Partial Withdrawal Adjustment is equal to the amount of Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death Benefit, and in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal Adjustment. The Prorata Partial Withdrawal Adjustment to a death benefit component for a partial withdrawal is equal to (1) divided by (2), multiplied by (3), where: (1) is the Accumulation Value withdrawn, (2) is the Accumulation Value immediately prior to withdrawal, and (3) is the amount of the applicable death benefit component immediately prior to the withdrawal.. CHANGE OF OWNER

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that the component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year any Contract Year do not exceed [7%] of the sum of cumulative premiums, plus premiums and any creditsCredits, but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that year. The Special Partial Withdrawal Adjustment is equal to the amount of the Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death BenefitBenefit Base, and in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal AdjustmentAdjustments. The Prorata Partial Withdrawal Adjustment to a death benefit Death Benefit component for a partial withdrawal is equal to (1) divided by (2), ) multiplied by (3), where: (1) is the Accumulation Value withdrawn, ; (2) is the Accumulation Value immediately prior to withdrawal, ; and (3) is the amount of the applicable death benefit Death Benefit component immediately prior to the withdrawal. Separate adjustments will apply to the amounts in the Special and non-Special Funds.

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year do not exceed [7%] of the sum of cumulative premiums, plus any credits, but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that year. The Special Partial Withdrawal Adjustment is equal to the amount of Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death Benefit, and in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal Adjustment. The Prorata Partial Withdrawal Adjustment to a death benefit component for a partial withdrawal is equal to (1) divided by (2), multiplied by (3), where: (1) is the Accumulation Value withdrawn, (2) is the Accumulation Value immediately prior to withdrawal, and (3) is the amount of the applicable death benefit component immediately prior to the withdrawal.

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year do not exceed [7%] of the sum of cumulative premiums, plus any credits, premiums but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that yearpaid. The Special Partial Withdrawal Adjustment is equal to the amount of Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death Benefit, in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal Adjustment. The Prorata Partial Withdrawal Adjustment to a death benefit component for a partial withdrawal is equal to (1) divided by (2), multiplied by (3), where: (1) is the Accumulation Value withdrawn, (2) is the Accumulation Value immediately prior to withdrawal, and (3) is the amount of the applicable death benefit component immediately prior to the withdrawal.. ALTERNATE GUARANTEED DEATH BENEFIT On the Contract Date, the Alternate Guaranteed Death Benefit is the initial premium. On subsequent Valuation Dates, the Alternate Guaranteed Death Benefit is calculated as follows:

SPECIAL AND PRORATA PARTIAL WITHDRAWAL ADJUSTMENTS. For any partial withdrawal, the Death Benefit components will be reduced by Prorata or Special Partial Withdrawal Adjustments. A Prorata Partial Withdrawal Adjustment will be made unless a Special Partial Withdrawal Adjustment applies to that the component for the withdrawal. Special Partial Withdrawal Adjustments are made when partial withdrawals in a contract year any Contract Year do not exceed [7%] of the sum of cumulative premiums, plus premiums and any creditsCredits, but only if partial withdrawals in each prior contract year did not exceed [7%] of the sum of cumulative premiums paid and any Credits prior to that year. The Special Partial Withdrawal Adjustment is equal to the amount of the Accumulation Value withdrawn. Special Partial Withdrawal Adjustments are applicable only in the calculation of the Maximum Guaranteed Death Benefit and the Guaranteed Death BenefitBenefit Base, and in all other cases including the Alternate Guaranteed Death Benefit, withdrawals are treated as Prorata Partial Withdrawal AdjustmentAdjustments. The Prorata Partial Withdrawal Adjustment to a death benefit Death Benefit component for a partial withdrawal is equal to (1) divided by (2), multiplied by (3), where: (1) is the Accumulation Value withdrawn, ; (2) is the Accumulation Value immediately prior to withdrawal, ; and (3) is the amount of the applicable death benefit Death Benefit component immediately prior to the withdrawal. Separate adjustments will apply to the amounts in the Special and non-Special Funds.