Common use of THRESHOLD PROCESSING Clause in Contracts

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 IA-1083 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain get any required regulatory approvals approval before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. MA-1082 14 How We Measure the Accumulation Value -------------------------------------------------------------------------------- THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Scheduleeach Certificate, are kept separate from ournGeneral our General Account and any other Separate Accounts separate accounts we may have. They are used to support Variable Annuity Contracts variable annuity contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income Xxxxxx and realized and unrealized gains or losses from assets in these Variable Separate Accounts separate accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The This Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") SEC under the Investment Company Act of 1940. The This Variable Separate Account is also governed by state law laws as designated in the Scheduleeach Certificate. The trusts may offer non-registered unregistered series. Divisions of the Variable Separate Account Divisions A unit investment trust Variable Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios in which they invest, if applicable, are specified in each Certificate. Some of the portfolios designated may be managed by a separate investment adviser. Such adviser may will be registered under the Investment Advisers Act of 19401940 if required. Changes within Within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Accountseparate account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose purposes of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Divisions of the Variable Separate Account Account, which we determine to be associated with the class of contracts Contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GARLNY-IA-1082 IA-1080 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- -------------------------------------------------------------------------------- How We Measure the Contract's Accumulation Value -------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accountsThe Variable Separate Account The Separate Account is a unit investment trust Separate Account, organized in and governed by the laws of the State of New York, our state of Domicile. The Separate Account is divided into Divisions, each of which are designated in the Schedule, are is available for investment under this Contract. The Variable Separate Account is kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are It is used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Variable Separate AccountsAccount. Assets equal to the reserves and other liabilities of the accounts Variable Separate Account will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these the Variable Separate Accounts Account are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Scheduleabove. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts Account We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contractcontract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 10 <PAGE> hxxxx://xxx.xxx.xxx/Xxxxxxxx/exxxx/data/836687/000083727601500024/ex4bidcvfac.txt 10/31/2017 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income Ixxxxx and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 10 MA-1108 12 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- -------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate AccountsAccount(s). THE VARIABLE SEPARATE ACCOUNTS These accountsACCOUNT(S) The Separate Account (the "Account") is a unit investment trust Separate Account, organized in and governed by the laws of the State of Delaware, our state of Domicile. The Account is divided into Divisions, each of which are designated in the Schedule, are is available for investment under this Contract. The Account is kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are It is used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate AccountsAccount. Assets equal to the reserves and other liabilities of the accounts account will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate AccountsAccount. Income and realized and unrealized gains or losses from assets in these the Variable Separate Accounts Account are credited to or charged against the account Account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Scheduledescribed above. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:: (1) deregister a Variable Separate Account under the Investment Company Act of 1940; (2) operate a Variable Separate Account as a management company under the Investment Company Act of 1940, if it is operating as a unit investment trust; (3) operate a Variable Separate Account as a unit investment trust under the Investment Company Act of 1940, if it is operating as a managed Variable Separate Account; (4) restrict or eliminate any voting rights of Owners, or other persons who have voting rights to a Variable Separate Account; and (5) combine a Variable Separate Account with other Variable Separate Accounts. GA-MA-1108 13 HOW WE MEASURE THE ACCUMULATION VALUE (continued) -------------------------------------------------------------------------------- THE GENERAL ACCOUNT The General Account contains all assets of the Company other than those in the Separate Accounts we establish. The Guaranteed Interest Divisions available for investment are shown in the Schedule. We may, from time to time, offer other Divisions where assets are held in our General Account.

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. MA-1082 14 How We Measure the Accumulation Value -------------------------------------------------------------------------------- THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Scheduleeach Certificate, are kept separate from ournGeneral our General Account and any other Separate Accounts separate accounts we may have. They are used to support Variable Annuity Contracts variable annuity contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts separate accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The This Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") SEC under the Investment Company Act of 1940. The This Variable Separate Account is also governed by state law laws as designated in the Scheduleeach Certificate. The trusts may offer non-registered unregistered series. Divisions of the Variable Separate Account Divisions A unit investment trust Variable Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios in which they invest, if applicable, are specified in each Certificate. Some of the portfolios designated may be managed by a separate investment adviser. Such adviser may will be registered under the Investment Advisers Act of 19401940 if required. Changes within Within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Accountseparate account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose purposes of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Divisions of the Variable Separate Account Account, which we determine to be associated with the class of contracts Contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 10 MA-1108 12 <PAGE> HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- -------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate AccountsAccount(s). THE VARIABLE SEPARATE ACCOUNTS These accountsACCOUNT(S) The Separate Account (the "Account") is a unit investment trust Separate Account, organized in and governed by the laws of the State of Delaware, our state of Domicile. The Account is divided into Divisions, each of which are designated in the Schedule, are is available for investment under this Contract. The Account is kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are It is used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate AccountsAccount. Assets equal to the reserves and other liabilities of the accounts account will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate AccountsAccount. Income and realized and unrealized gains or losses from assets in these the Variable Separate Accounts Account are credited to or charged against the account Account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Scheduledescribed above. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a xxxxx://xxx.xxx.xxx/Archives/xxxxx/data/836687/000083727603000061/gama1108-mast... 11/18/2016 designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 IA-1108 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- -------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate AccountsAccount(s). THE VARIABLE SEPARATE ACCOUNTS These accountsACCOUNT(S) The Separate Account (the "Account") is a unit investment trust Separate Account, organized in and governed by the laws of the State of Delaware, our state of Domicile. The Account is divided into Divisions, each of which are designated in the Schedule, are is available for investment under this Contract. The Account is kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are It is used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate AccountsAccount. Assets equal to the reserves and other liabilities of the accounts account will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate AccountsAccount. Income and realized and unrealized gains or losses from assets in these the Variable Separate Accounts Account are credited to or charged against the account Account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Scheduledescribed above. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this the Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this the Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this the Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:: (1) deregister a Variable Separate Account under the Investment Company Act of 1940; (2) operate a Variable Separate Account as a management company under the Investment Company Act of 1940, if it is operating as a unit investment trust; (3) operate a Variable Separate Account as a unit investment trust under the Investment Company Act of 1940, if it is operating as a managed Variable Separate Account; (4) restrict or eliminate any voting rights of Owners, or other persons who have voting rights to a Variable Separate Account; and (5) combine a Variable Separate Account with other Variable Separate Accounts. GA-IA-1108 11 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE (continued) -------------------------------------------------------------------------------- THE GENERAL ACCOUNT The General Account contains all assets of the Company other than those in the Separate Accounts we establish. The Guaranteed Interest Divisions available for investment are shown in the Schedule. We may, from time to time, offer other Divisions where assets are held in our General Account.

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. MA-1082 <PAGE> How We Measure the Accumulation Value -------------------------------------------------------------------------------- THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Scheduleeach Certificate, are kept separate from ournGeneral our General Account and any other Separate Accounts separate accounts we may have. They are used to support Variable Annuity Contracts variable annuity contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income Ixxxxx and realized and unrealized gains or losses from assets in these Variable Separate Accounts separate accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The This Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") SEC under the Investment Company Act of 1940. The This Variable Separate Account is also governed by state law laws as designated in the Scheduleeach Certificate. The trusts may offer non-registered unregistered series. Divisions of the Variable Separate Account Divisions A unit investment trust Variable Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios in which they invest, if applicable, are specified in each Certificate. Some of the portfolios designated may be managed by a separate investment adviser. Such adviser may will be registered under the hxxxx://xxx.xxx.xxx/Xxxxxxxx/exxxx/data/836687/000083727601500024/ex4amaster.txt 10/31/2017 Investment Advisers Act of 19401940 if required. Changes within Within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Accountseparate account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose purposes of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Divisions of the Variable Separate Account Account, which we determine to be associated with the class of contracts Contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 IA-1075 <PAGE> <PAGE> HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 MA-1074 <PAGE> <PAGE> HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Scheduleeach Certificate, are kept separate from ournGeneral our General Account and any other Separate Accounts separate accounts we may have. They are used to support Variable Annuity Contracts variable annuity contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts separate accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The This Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") SEC under the Investment Company Act of 1940. The This Variable Separate Account is also governed by state law laws as designated in the Scheduleeach Certificate. The trusts may offer non-registered unregistered series. Divisions of the Variable Separate Account Divisions A unit investment trust Variable Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios in which they invest, if applicable, are specified in each Certificate. Some of the portfolios designated may be managed by a separate investment adviser. Such adviser may will be registered under the Investment Advisers Act of 19401940 if required. Changes within Within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Accountseparate account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose purposes of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Divisions of the Variable Separate Account Account, which we determine to be associated with the class of contracts Contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:: (1)Deregister a Variable Separate Account under the Investment Company Act of 1940; (2)Operate a Variable Separate Account as a management company under the Investment Company Act of 1940, if it is operating as a unit investment trust; (3)Operate a Variable Separate Account as a unit investment trust under the Investment Company Act of 1940, if it is operating as a managed Variable Separate Account; (4)Restrict or eliminate any voting rights of Certificate Owners, or other persons who have voting rights as to a Variable Separate Account; and, (5)Combine a Variable Separate Account with other Variable Separate Accounts. GA-MA-1074 <PAGE> <PAGE> HOW WE MEASURE THE ACCUMULATION VALUE (continued) ------------------------------------------------------------------------------- THE GENERAL ACCOUNT The General Account contains all assets of the Company other than those in the Separate Accounts we establish. The Guaranteed Interest Divisions available for investment are shown in the Schedule. We may, from time to time, offer other Divisions where assets are held in the General Account.

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. MA-1090 17 How We Measure the Accumulation Value -------------------------------------------------------------------------------- THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Scheduleeach Certificate, are kept separate from ournGeneral our General Account and any other Separate Accounts separate accounts we may have. They are used to support Variable Annuity Contracts variable annuity contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts separate accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The This Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") SEC under the Investment Company Act of 1940. The This Variable Separate Account is also governed by state law laws as designated in the Scheduleeach Certificate. The trusts may offer non-registered unregistered series. Divisions of the Variable Separate Account Divisions A unit investment trust Variable Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios in which they invest, if applicable, are specified in each Certificate. Some of the portfolios designated may be managed by a separate investment adviser. Such adviser may will be registered under the Investment Advisers Act of 19401940 if required. Changes within Within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Accountseparate account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose purposes of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Divisions of the Variable Separate Account Account, which we determine to be associated with the class of contracts Contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 IA-1090 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- -------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income Xxxxxx and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contractcontract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. MA-1090 17 <PAGE> xxxxx://xxx.xxx.xxx/Archives/xxxxx/data/836687/000083727601500345/mastercontract.txt 11/18/2016 Page 12 of 28 How We Measure the Accumulation Value -------------------------------------------------------------------------------- THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Scheduleeach Certificate, are kept separate from ournGeneral our General Account and any other Separate Accounts separate accounts we may have. They are used to support Variable Annuity Contracts variable annuity contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts separate accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The This Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") SEC under the Investment Company Act of 1940. The This Variable Separate Account is also governed by state law laws as designated in the Scheduleeach Certificate. The trusts may offer non-registered unregistered series. Divisions of the Variable Separate Account Divisions A unit investment trust Variable Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios in which they invest, if applicable, are specified in each Certificate. Some of the portfolios designated may be managed by a separate investment adviser. Such adviser may will be registered under the Investment Advisers Act of 19401940 if required. Changes within Within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Accountseparate account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose purposes of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Divisions of the Variable Separate Account Account, which we determine to be associated with the class of contracts Contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 IA-1074 <PAGE> <PAGE> HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- ------------------------------------------------------------------------------ The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 10 IA-1083 <PAGE> HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income Xxxxxx and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for xxxxx://xxx.xxx.xxx/Archives/xxxxx/data/836687/000083727601500024/ex4didvac.txt 10/31/2017 investment, or for some other reason. We will obtain get any required regulatory approvals approval before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 10 MA-1074 14 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Scheduleeach Certificate, are kept separate from ournGeneral our General Account and any other Separate Accounts separate accounts we may have. They are used to support Variable Annuity Contracts variable annuity contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts separate accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The This Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") SEC under the Investment Company Act of 1940. The This Variable Separate Account is also governed by state law laws as designated in the Scheduleeach Certificate. The trusts may offer non-registered unregistered series. Divisions of the Variable Separate Account Divisions A unit investment trust Variable Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios in which they invest, if applicable, are specified in each Certificate. Some of the portfolios designated may be managed by a separate investment adviser. Such adviser may will be registered under the Investment Advisers Act of 19401940 if required. Changes within Within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to youavailable. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Accountseparate account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose purposes of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Divisions of the Variable Separate Account Account, which we determine to be associated with the class of contracts Contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:: (1)Deregister a Variable Separate Account under the Investment Company Act of 1940; (2)Operate a Variable Separate Account as a management company under the Investment Company Act of 1940, if it is operating as a unit investment trust; (3)Operate a Variable Separate Account as a unit investment trust under the Investment Company Act of 1940, if it is operating as a managed Variable Separate Account; (4)Restrict or eliminate any voting rights of Certificate Owners, or other persons who have voting rights as to a Variable Separate Account; and, (5)Combine a Variable Separate Account with other Variable Separate Accounts. GA-MA-1074 15 HOW WE MEASURE THE ACCUMULATION VALUE (continued) ------------------------------------------------------------------------------- THE GENERAL ACCOUNT The General Account contains all assets of the Company other than those in the Separate Accounts we establish. The Guaranteed Interest Divisions available for investment are shown in the Schedule. We may, from time to time, offer other Divisions where assets are held in the General Account.

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 IA-1090 10 <PAGE> HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- -------------------------------------------------------------------------------- The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contractcontract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions divisions will be determined using the prior day's closing Index index of Investment Experienceinvestment experience. GA-IA-1082 CA-1074 10 HOW WE MEASURE THE CONTRACTCERTIFICATE'S ACCUMULATION VALUE ------------------------------------------------------------------------------- ------------------------------------------------------------------------------ The variable Annuity Benefits under this Contract Certificate are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in the Schedule, are kept separate from ournGeneral our General Account and any other Separate Accounts we may have. They are used to support Variable Annuity Contracts Certificates and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Accounts. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income Xxxxxx and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this ContractCertificate's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contractthe group contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contractthe group contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reason. We may get prior approval from the insurance department of our state of domicile before making such a substitution. We will obtain also get any required regulatory approval from the SEC and any other required approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right to transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract the group contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve the right to:: (1)deregister a Variable Separate Account under the Investment Company Act of 1940; (2)operate a Variable Separate Account as a management company under the Investment Company Act of 1940, if it is operating as a unit investment trust; (3)operate a Variable Separate Account as a unit investment trust under the Investment Company Act of 1940, if it is operating as a managed Variable Separate Account; (4)restrict or eliminate any voting rights of Owners, or other persons who have voting rights to a Variable Separate Account; and, (5)combine a Variable Separate Account with other Variable Separate Accounts. GA-CA-1074 11 HOW WE MEASURE THE CERTIFICATE'S ACCUMULATION VALUE (continued) ------------------------------------------------------------------------------ THE GENERAL ACCOUNT The General Account contains all assets of the Company other than those in the Separate Accounts we establish. The Guaranteed Interest Divisions available for investment are shown in the Schedule. We may, from time to time, offer other Divisions where assets are held in our General Account.

THRESHOLD PROCESSING. For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience. GA-IA-1082 10 MA-1112 12 HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE ------------------------------------------------------------------------------- -------------------------------------------------------------------------------- THE GENERAL ACCOUNT The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Accounts. THE VARIABLE SEPARATE ACCOUNTS These accounts, which are designated in General Account contains all assets of the Schedule, are kept separate from ournGeneral Account and any Company other Separate Accounts we may have. They are used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets than those in the Separate AccountsAccount(s) we establish. Assets equal to the reserves and other liabilities of the accounts will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Accounts. Income and realized and unrealized gains or losses from assets in these Variable Separate Accounts are credited to or charged against the account without regard to other income, gains or losses in our other investment accounts. The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as designated in the Schedule. The trusts may offer non-registered series. Variable Separate Account Divisions A unit investment trust Separate Account includes Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940. Changes within the Variable Separate Accounts We may, from time to time, make additional Variable Separate available for allocations of Premium Payments or Accumulation Value under the Certificate specific Divisions of the General Account (Guaranteed Interest Divisions ) which we credit with fixed rates of interest declared by us for the then available to youGuarantee Period(s). These Divisions Any declaration will invest be by class and will be based solely on our expectations of future earnings, but will never be less than the Guaranteed Minimum Interest Rate shown in investment portfolios we find suitable for this Contractthe Schedule. We also have may periodically guarantee higher rates for specific Guarantee Periods based on our sole discretion. Such rates will apply to periods following the right date of declaration. Interest will be credited daily at a rate to eliminate Divisions yield the declared annual Guaranteed Interest Rate. Guarantee Periods We may offer any number of Guarantee Periods and may, from time to time, change the Guarantee Periods available. Any change in the Guarantee Periods available under the Certificate will not affect existing Allocations in a Variable Separate Account, Guarantee Period until the Guarantee Period Maturity Date. The Guaranteed Interest Rates for an Allocation to combine two or more Divisions or to substitute a new portfolio Guaranteed Interest Division are effective for the portfolio in which a Division investsentire period. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits Transfers from the purpose General Account We currently require that amounts allocated to the General Account not be transferred until the Maturity Date of this Contract. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions, or because the portfolio or Division is no longer available for investment, or for some other reasonapplicable Guarantee Period. We will obtain any required regulatory approvals before making such a substitution. Subject to any required regulatory approvals, we reserve the right not to transfer assets of allow amounts previously transferred from the General Account to the Variable Separate Account which we determine or Fixed Account to be associated with transferred back to the class General Account for a period of contracts to which this Contract belongs, to another Variable Separate Account or Division. When permitted by law, we reserve at least six months from the right to:date of transfer.