Common use of TRANSFERS AMONG DIVISIONS Clause in Contracts

TRANSFERS AMONG DIVISIONS. You may, upon written request or through the use of a touch tone telephone, transfer all of part of the amount you have in a Division to one or more of the Divisions as follows: (i) amounts in the Guaranteed Interest Division, Stock Division, Balanced Division and Aggressive Stock Division may be transferred among such Divisions; (2) amounts in the Money Market Division may be transferred to other Divisions. Written authorization for touch tone telephone initiated transfers is only required when authorization for telephone transfers is requested. Upon advance written notice to you, we reserve the right to discontinue the acceptance of transfer requests through the use of a touch tone telephone. All transfers will be effective on the Trans- action Date and will be subject to our rules in effect at the time of transfer. With respect to the Investment Division, the transfer will be made at the Accumulation Unit Value next computed after the Transfer Date. No transfers are permitted to the Money Market Division from the other Divisions.

TRANSFERS AMONG DIVISIONS. You may, upon Upon written request or through the use of a touch tone telephone, the Owner may transfer all of or part of the amount you have amounts in a Division to one or more of the Divisions as follows: : (i1) amounts in the Guaranteed Interest Division, Stock Division, Balanced Division and Aggressive Stock Division may be transferred among such Divisions; and (2) amounts in the Money Market Division may be transferred to other Divisions. Written authorization for touch tone telephone initiated transfers is only required when authorization for telephone transfers is requested. (Upon advance written notice to youthe Owner, we reserve the right to discontinue the acceptance of transfer requests through the use of a touch tone telephone. .) All transfers will be effective made on the Trans- action Transaction Date and will be subject to our rules in effect at the time of transfer. With respect to the Investment DivisionDivisions, the transfer will be made at the Accumulation Unit Value next computed after the Transfer Transaction Date. No transfers are permitted to the Money Market Division from the other Divisions.

TRANSFERS AMONG DIVISIONS. You may, upon written request or through the use of a touch tone telephone, transfer all of or part of the amount you have in a Division to one or more of the Divisions as follows: : (i1) amounts in the Guaranteed Interest Division, Stock Division, Balanced Division and Aggressive Stock Division may be transferred among such Divisions; (2) amounts in the Money Market Division may be transferred to other Divisions. Written authorization for touch tone telephone initiated transfers is only required when authorization for telephone transfers is requested. Upon advance written notice to you, we reserve the right to discontinue the acceptance of transfer requests through the use of a touch tone telephone. All transfers will be effective on the Trans- action Transaction Date and will be subject to our rules in effect at the time of transfer. With respect to the Investment Division, the transfer will be made at the Accumulation Unit Value next computed after the Transfer Transaction Date. No transfers are permitted to the Money Market Division from the other Divisions.

TRANSFERS AMONG DIVISIONS. You may, upon written request request, or through the use of a touch tone telephone, transfer all of or part of the amount you have in a Division to one or more of the Divisions as follows: : (i1) amounts in the Guaranteed Interest Division, Stock Division, Balanced Division and Aggressive Stock Division may be transferred among such Divisions; (2) amounts in the Money Market Division may be transferred to other Divisions. Written authorization for touch tone telephone initiated transfers is only required when authorization for telephone transfers is requested. Upon advance written notice to you, you we reserve the right to discontinue the acceptance of transfer requests through the use of a touch tone telephonetelephones. All transfers will be effective made on the Trans- action Transaction Date and will be subject to our rules in effect at the time of transfer. With respect to the Investment DivisionDivisions, the transfer transfers will be made at the Accumulation Unit Value next computed after the Transfer Transaction Date. No transfers are permitted to the Money Market Division from the other Divisions.

TRANSFERS AMONG DIVISIONS. You may, upon written request request, or through the use of a touch tone telephone, transfer all of or part of the amount you have in a Division to one or more of the Divisions as follows: : (i1) amounts in the Guaranteed Interest Division, Stock Division, Balanced Division and Aggressive Stock Division may be transferred among such Divisions; (2) amounts in the Money Market Division may be transferred to other Divisions. Written authorization for touch tone telephone initiated transfers is only required when authorization for telephone transfers is requested. Upon advance written notice to you, we reserve the right to discontinue the acceptance of transfer requests through the use of a touch tone telephone. All transfers will be effective on the Trans- action Transaction Date and will be subject to our rules in effect at the time of transfer. With respect to the Investment Division, the transfer will be made at the Accumulation Unit Value next computed after the Transfer Transaction Date. No transfers are permitted to the Money Market Division from the other Divisions.

TRANSFERS AMONG DIVISIONS. You may, upon written request request, or through the use of a touch tone telephone, transfer all of or part of the amount you have in a Division to one or more of the Divisions as follows: : (i1) amounts in the Guaranteed Interest Division, Stock Division, Balanced Division and Aggressive Stock Division may be transferred among such Divisions; (2) amounts in the Money Market Division may be transferred trans- ferred to other Divisions. Written authorization for touch tone telephone initiated transfers is only required when authorization for telephone transfers is requested. Upon advance written notice to you, we reserve the right to discontinue the acceptance of transfer requests through the use of a touch tone telephone. All transfers will be effective on the Trans- action Transaction Date and will be subject to our rules in effect at the time of transfer. With respect to the Investment Division, the transfer will be made at the Accumulation Unit Value next computed after the Transfer Transaction Date. No transfers are permitted to the Money Market Division from the other Divisions.

TRANSFERS AMONG DIVISIONS. You may, upon written request or through the use of a touch tone telephone, transfer all of or part of the amount you have in a Division to one or more of the Divisions as follows: : (i1) amounts in the Guaranteed Interest Division, Stock Division, Balanced Division and Aggressive Stock Division may be transferred among such Divisions; (2) amounts in the Money Market Division may be transferred to other Divisions. Written authorization for touch tone telephone initiated transfers is only required when authorization for telephone transfers is requested. (Upon advance written notice to you, we reserve the right to discontinue the acceptance of transfer requests through the use of a touch tone telephone. .) All transfers will be effective on the Trans- action Transaction Date and will be subject to our rules in effect at the time of transfer. With respect to the Investment DivisionDivisions, the transfer will be made at the Accumulation Unit Value next computed after the Transfer Transaction Date. No transfers are permitted to the Money Market Division from the other Divisions.