Common use of Table Clause in Contracts

Table. Withdrawals made in the months indicated, counting from the day the Participant's Account was Withdrawal Charge per $1.00 established* being withdrawn.** ----------------------------------- --------------------------- First 24 months $0.07 Next 36 months 0.06 Next 60 months 0.04 Next 60 months 0.03 Thereafter 0.00 *Or, if earlier, the day an Account was established for him under a companion contract (or under a similar contract if section 3.5 applies). **No charge is made after the amount withdrawn equals the contributions made for the Participant. The withdrawal charge is also deducted from a Participant's Account if an annuity is purchased for him under this contract during the first 36 months from the day an Account was established for him. The earliest of the days an Account was established for him under this contract, under a companion contract or under a similar contract if section 3.5 applies will be used in counting the 36 months. As of the first day no amounts remain in the Participant's Account or in an Account for him under a companion contract, his Account is cancelled. This section may be changed as provided in section 5.1.

Table. Withdrawals made in the months indicated, counting from the day the Participant's Account was Withdrawal Charge per $1.00 established* being withdrawn.** ----------------------------------- -------------------------------- --------------------------- First 24 months $0.07 Next 36 months 0.06 Next 60 months 0.04 Next 60 months 0.03 Thereafter 0.00 *Or, if earlier, the day an Account was established for him under a companion contract (or under a similar contract if section 3.5 applies)contract. **No charge is made after the amount withdrawn equals the contributions made for the Participant. The withdrawal charge is also deducted from a Participant's Account if an annuity is purchased for him under this contract during the first 36 months from the day an Account was established for him. The earliest earlier of the days an Account was established for him under this contract, contract or under a companion contract or under a similar contract if section 3.5 applies will be used in counting the 36 months. As of the first day no amounts remain in the Participant's Account or in an Account for him under a companion contract, his Account is cancelled. This section may be changed as provided in section 5.1.

Table. Withdrawals made in the months indicated, counting from the day the Participant's Account was Withdrawal Charge per $1.00 established* being withdrawn.** ----------------------------------- --------------------------------- --------------------------- First 24 months $0.07 Next 36 months 0.06 Next 60 months 0.04 Next 60 months 0.03 Thereafter 0.00 *Or, if earlier, the day an Account was established for him under a companion contract (or under a similar contract if section 3.5 applies). **No charge is made after the amount withdrawn equals the contributions made for the Participant. The withdrawal charge is also deducted from a Participant's Account if an annuity is purchased for him under this contract during the first 36 months from the day an Account was established for him. The earliest of the days an Account was established for him under this contract, under a companion contract or under a similar contract if section 3.5 applies will be used in counting the 36 months. As of the first day no amounts remain in the a Participant's Account or in an Account for him under a companion contract, his Account is cancelled. This section may be changed as provided in section 5.1.