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 or part of the amount you have in a Division to one or more of the Divisions as follows: (1) 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 transfer 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 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 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 or part of the amount you have in a Division to one or more of the Divisions as follows: (1) 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 transfer 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 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 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 or part of the amount you have in a Division to one or more of the Divisions as follows: (1) 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 transfer 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. If the Plan permits and you provide us with advance written instructions to do so, we will accept transfer instructions directly from the Annuitant. All transfers will be effective on the Transaction Date and will be subject to our rules in effect at the time of transfer. With respect to the Investment Division; Divisions, the transfer will be made at the Accumulation Unit Value next computed after the Transaction Date. No transfers are permitted to the Money Market Division from the other Divisions.

TRANSFERS AMONG DIVISIONS. You mayThe Owner, unless the Owner transfers to you the right to transfer all or part of the amounts in the Divisions under this Contract, upon written request, request or through the use of a touch tone telephone, may transfer all or part of the amount you have in a Division to one or more of the Divisions as follows: (1) 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 transfer 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 on the 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 Accumulated Unit Value next computed after the Transaction Date. No transfers are permitted to the Money Market Division from the other Divisions.