Common use of SYSTEMATIC WITHDRAWALS Clause in Contracts

SYSTEMATIC WITHDRAWALS. Systematic Withdrawals are automatic periodic Withdrawals from Contract Value in substantially equal amounts prior to the Annuity Start Date. To start Systematic Withdrawals, you must make the request in writing, stating the type of payment, its frequency and allocations for such Withdrawals. If no allocation is specified, SBL will deduct each Systematic Withdrawal from the Accounts in the order shown on page 3A, "Method for Deductions." The type of payment may be: (1) in a fixed amount; (2) in Level Payments calculated by SBL; (3) for a specified period; (4) a specified percentage; (5) earnings only; or (6) based upon the life expectancy of the Owner or the Owner and a beneficiary. The payment frequency may be: (1) monthly; (2) quarterly; (3) semiannually; or (4) annually. The minimum Systematic Withdrawal amount is $100 per payment. You may stop or change Systematic Withdrawals upon proper written request Received by SBL at least 30 days in advance of the requested date of termination or change. SBL reserves the right to stop, modify or suspend Systematic Withdrawals at any time. WITHDRAWAL VALUE The Withdrawal Value is the amount available for Withdrawal. The Withdrawal Value as of the close of any Valuation Date is the Contract Value less: (1) any Withdrawal Charges; (2) any pro rata Account Charge; and (3) any Premium Tax due or paid by SBL. -------------------------------------------------------------------------------- DEATH BENEFIT PROVISIONS -------------------------------------------------------------------------------- DEATH BENEFIT

SYSTEMATIC WITHDRAWALS. Systematic Withdrawals are automatic periodic Withdrawals from Contract Value in substantially equal amounts prior to the Annuity Start Date. To start Systematic Withdrawals, you must make the request in writing, stating the type of payment, its frequency and allocations for such Withdrawals. If no allocation is specified, SBL FSBL will deduct each Systematic Withdrawal Withdrawals from the Accounts in the order shown on page 3Asame proportion that Contract Value is allocated among the Accounts. Any Systematic Withdrawal will reduce Contract Value by the amount of the Systematic Withdrawal, "Method for Deductions." any Withdrawal Charges attributable to the Systematic Withdrawal, and any Premium tax. The type of payment may be: (1) in a fixed amount; (2) in Level Payments calculated by SBLFSBL; (3) for a specified period; (4) a specified percentage; (5) earnings only; or (6) based upon the life expectancy of the Owner or the Owner and a beneficiary. The payment frequency may be: (1) monthly; (2) quarterly; (3) semiannually; or (4) annually. The minimum Systematic Withdrawal amount is $100 per payment. You may stop or change Systematic Withdrawals upon proper written request Received by SBL FSBL at least 30 days in advance of the requested date of termination or change. SBL FSBL reserves the right to stop, modify or suspend Systematic Withdrawals at any time. WITHDRAWAL VALUE The Withdrawal Value is the amount available for Withdrawal. The Withdrawal Value as of the close of any Valuation Date is the Contract Value less: (1) any Withdrawal Charges; (2) any pro rata Account Charge; and (3) any Premium Tax tax due or paid by SBL. -------------------------------------------------------------------------------- DEATH BENEFIT PROVISIONS -------------------------------------------------------------------------------- DEATH BENEFITFSBL.