Common use of SURRENDERS Clause in Contracts

SURRENDERS. You may surrender this contract at any time prior to the Annuitization Date provided that the Owner and Joint Owner, if any, are living and provided that You give Us Notice at Our office. You may surrender this contract in full for the surrender value. The surrender value at any time is the accumulated value on the date We receive Your Notice, less any applicable Surrender Charge and other fees and charges. You may make unscheduled and scheduled partial surrenders of this contract by providing Us Notice. Partial surrenders reduce the accumulated value of the contract and are deducted from the Investment Options in the same proportion as Your current premium payment allocations unless You direct otherwise. Partial surrenders that exceed the remaining Free Surrender Amount for that Contract Year are subject to any applicable Surrender Charge. If the partial surrender amount is less than the remaining Free Surrender Amount for that Contract Year, no Surrender Charge will apply. Any partial surrender that would reduce the accumulated value to less than the Minimum Accumulated Value After A Partial Surrender amount shown on the Data Page will be treated as a request for surrender of this contract. We reserve the right to change the Minimum Accumulated Value After A Partial Surrender amount but it will never be greater than the amount shown on the Data Page. The Minimum Unscheduled Partial Surrender amount is shown on the Data Page. The Minimum Accumulated Value To Initiate A Scheduled Partial Surrender is shown on the Data Page. Scheduled partial surrenders will:

SURRENDERS. You may surrender Surrender this contract at any time prior to the Annuitization Date provided that the Owner and Joint Owner, if any, are living and provided that You give Us Notice in Good Order at Our office. The Bond Adjustment will apply to all Surrenders. You may surrender Surrender this contract in full for the surrender valueSurrender Value. The surrender value Surrender Value at any time is the accumulated value Accumulated Value on the date We receive Your NoticeNotice in Good Order adjusted for the Bond Adjustment, less any applicable Surrender Charge and other fees and charges. You may make take unscheduled and scheduled partial surrenders Surrenders of this contract by providing Us Notice. Partial surrenders Surrenders reduce the accumulated value Accumulated Value of the contract and are deducted proportionately from the Investment Options in the same proportion as Your current premium payment allocations Segment Options, unless You direct otherwise. The deductions are based on the values as of the end of day of the effective date of the Surrender. Partial surrenders Surrenders that exceed the remaining Free Surrender Amount for that Contract Year are subject to any applicable Surrender Charge. If the partial surrender Surrender amount is less than the remaining Free Surrender Amount for that Contract Year, no Surrender Charge will apply. Any partial surrender Surrender that would reduce the accumulated value Accumulated Value to less than the Minimum Accumulated Value After A Partial Surrender amount shown on the Data Page will be treated as a request for surrender Surrender of this contract. We reserve the right to change the Minimum Accumulated Value After A a Partial Surrender amount amount, but it will never be greater than the amount shown on the Data Page. The Minimum Unscheduled Partial Surrender amount is shown on the Data Page. The Minimum Accumulated Value To Initiate A Scheduled Partial Surrender is shown on the Data Page. Scheduled partial surrenders Surrenders will:

SURRENDERS. You Full or partial surrenders may surrender this contract at be made any time prior to the Annuitization Date Annuity Commencement Date. Partial surrenders may be taken provided that the Owner Contract Value remaining after the surrender is at least $10,000. After the first Contract Year, 10% of the Contract Value on the prior Contract Anniversary (the "free withdrawal amount") is available during a Contract Year without a surrender charge through partial surrenders. Xxxxxxx surrendered during a Contract Year in excess of the free withdrawal amount, and Joint Owner, if anyfull surrenders, are living and provided that You give Us Notice at Our office. You may surrender this contract in full for subject to the surrender valuecharge. The amount we will pay upon a full or partial surrender is equal to the Contract Value surrendered minus any applicable surrender charge, any contract maintenance fee, and any applicable premium tax. We calculate the surrender charge by first allocating surrendered Contract Value in excess of any free withdrawal amount to Purchase Payments not previously assessed with a surrender charge using a "first-in, first-out" (FIFO) basis. We then allocate any remaining surrendered Contract Value pro-rata to these Purchase Payments. The surrender value at any time charge is the accumulated value total of each of the allocated amounts of surrendered Contract Value multiplied by its applicable surrender charge percentage, as shown on the date We receive Your Notice, less any applicable Surrender Charge and other fees and charges. You may make unscheduled and scheduled partial surrenders of this contract by providing Us Notice. Partial surrenders reduce the accumulated value of the contract and are deducted from the Investment Options in the same proportion as Your current premium payment allocations unless You direct otherwise. Partial surrenders that exceed the remaining Free Surrender Amount for that Contract Year are subject to any applicable Surrender ChargeSchedule. If the partial surrendered Contract Value exceeds any free withdrawal amount and if no surrendered Contract Value was allocated to Purchase Payments, the surrender amount is less than the remaining Free Surrender Amount for that Contract Year, no Surrender Charge will apply. Any partial surrender that would reduce the accumulated value to less than the Minimum Accumulated Value After A Partial Surrender amount shown charge on the Data Page surrendered Contract Value is determined by applying the surrender charge percentage associated with the most recent Purchase Payment we accepted. The cumulative surrender charges assessed will never exceed 8.5% of the total Purchase Payments accepted by us under this Contract. Surrenders will be treated as made on a request pro-rata basis from your Allocation Options unless you specify, in writing, the amount(s) and Allocation Option(s) from which the surrender is to be taken. SUSPENSION OR DELAY IN PAYMENT OF SURRENDER - The Company may suspend or delay the date of payment of a partial or full surrender from the Variable Account value for surrender of this contract. We reserve the right to change the Minimum Accumulated Value After A Partial Surrender amount but it will never be greater than the amount shown on the Data Page. The Minimum Unscheduled Partial Surrender amount is shown on the Data Page. The Minimum Accumulated Value To Initiate A Scheduled Partial Surrender is shown on the Data Page. Scheduled partial surrenders willany period:

SURRENDERS. FULL SURRENDER PRIOR TO THE ANNUITY COMMENCEMENT DATE At any time prior to the Annuity Commencement Date, You have the right to terminate the contract by submitting a written request to Us at the Administrative Office of the Company. In such event, the Surrender Value of the contract may be taken in the form of a cash settlement. The Surrender Value of the contract is equal to the Contract Value less: (a) any applicable Premium Taxes not previously deducted; and (b) the Annual Maintenance Fee as specified on Page 3. PARTIAL SURRENDERS PRIOR TO THE ANNUITY COMMENCEMENT DATE You may request, in writing, or other means acceptable to Us, a partial surrender this contract of Contract Values at any time prior to the Annuitization Annuity Commencement Date provided that the Owner Contract Value remaining after the surrender is at least equal to Our minimum amount rules then in effect. If the remaining Contract Value following such surrender is less than Our minimum amount rules, We will terminate the contract and Joint Owner, if any, are living and provided that You give Us Notice at Our officepay the Surrender Value. SURRENDERS AFTER THE ANNUITY COMMENCEMENT DATE You may surrender this all or portions of Your contract in full attributable to Period Certain payments if You selected an annuity under Option 3 (Life Annuity with Payments for a Period Certain), Option 5 (Joint Life Annuity with Payments for a Period Certain), or Option 6 (Payments for a Period Certain). We pay You the Commuted Value of the amounts surrendered that We would have paid during the Period Certain. Your surrender valuemust occur during the Period Certain. The surrender value at any time For Options 5 and 6, on the date the Period Certain would have expired had it not been surrendered and if the Annuitant is living, annuity payments will resume ceasing with the accumulated value last payment due prior to the death of the Annuitant. To calculate the Commuted Value for variable annuity payments, We will use the AIR elected by You and the Annuity Unit Value(s) on the date We receive Your Noticea fully completed request for surrender. To calculate the Commuted Value for fixed dollar payments, less We will use an interest rate We determine at Our discretion. PAYMENT ON SURRENDER - DEFERRAL OF PAYMENT Payment on any applicable Surrender Charge request for surrender will be made as soon as possible and other fees and chargeswith respect to Contract Values in the Sub-Accounts, within seven days after the written request is received by Us in good order. You However, such payment may make unscheduled and scheduled partial surrenders be subject to postponement: (a) for any period during which the New York Stock Exchange is closed or during which trading on the New York Stock Exchange is restricted; (b) for any period during which an emergency exists as a result of this contract by providing Us Notice. Partial surrenders reduce which (i) disposal of the accumulated securities held in the Sub-Accounts is not reasonably practicable, or (ii) it is not reasonably practicable for the value of the contract net assets of the Separate Account to be fairly determined; and are deducted from (c) for such other periods as the Investment Options in Securities and Exchange Commission may, by order, permit for the same proportion as Your current premium payment allocations unless You direct otherwise. Partial surrenders that exceed protection of the remaining Free Surrender Amount for that Contract Year are subject to any applicable Surrender Charge. If the partial surrender amount is less than the remaining Free Surrender Amount for that Contract Year, no Surrender Charge will apply. Any partial surrender that would reduce the accumulated value to less than the Minimum Accumulated Value After A Partial Surrender amount shown on the Data Page will be treated as a request for surrender of this contract. We reserve the right to change the Minimum Accumulated Value After A Partial Surrender amount but it will never be greater than the amount shown on the Data PageOwners. The Minimum Unscheduled Partial Surrender amount is shown on conditions under which trading shall be deemed to be restricted or any emergency shall be deemed to exist shall be determined by rules and regulations of the Data Page. The Minimum Accumulated Value To Initiate A Scheduled Partial Surrender is shown on the Data Page. Scheduled partial surrenders will:Securities and Exchange Commission.