Common use of TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE Clause in Contracts

TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE. Prior to the annuity commencement date, you may transfer the value of the accumulation units from one investment option to another by providing us notice containing the facts that we need. Transfers of policy value from the separate account are subject to a minimum of $500 or the entire subaccount policy value, if less However, if the remaining subaccount policy value is less than $500, we reserve the right to include that amount as part of the transfer. Transfers of interest credited in the one-year GPO to other investment options are allowed on a “First-In, First-Out” basis. Such transfers may be made monthly, quarterly, semi-annually, or annually. Each such transfer must be at least $50. We reserve the right to limit transfers to no more than 12 in any one policy year. Any transfers in excess of 12 per policy year may be charged a $10 per transfer fee. Transfers among multiple investment options will be treated as one transfer in determining the number of transfers that have occurred. We also reserve the right to prohibit transfers to the fixed account. If we are prohibiting transfers to the fixed account, we will provide 30 days advance written notice of this decision. You must indicate which investment option(s) to transfer the funds to while such prohibition is in effect. We will also provide timely written notification to you once any such prohibition of transfers is no longer in effect. The policy was not designed for professional market timing organizations or other persons that use programmed, large, or frequent transfers. The use of such transfers may be disruptive to an underlying portfolio. We reserve the right to reject any transfer request from any person in the interest of overall fund management or, if, in our judgment an underlying fund would be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected or if an underlying fund would reject our purchase order. We also reserve the right to revoke your fax, and electronic transfer privileges at any time without revoking all owners fax and electronic transfer privileges. Prior to the annuity commencement date, you may instruct us to automatically transfer a specified amount from the Money Market Subaccount, U.S. Government Securities Subaccount, or out of the dollar cost averaging (DCA) fixed account option to any other subaccount(s) of the separate account. The automatic transfers can occur monthly or quarterly. Transfers will continue until the elected subaccount or DCA fixed account value is depleted. The amount transferred each time must be at least $500. All transfers from the DCA account will be the same amount as the initial transfer. Changes to the subaccounts to which these transfers are allocated are not restricted. Transfers must be scheduled for at least 6, but not more than 24 months or for at least 4, but not more than 8 quarters each time the dollar cost averaging program is started or restarted following termination of the program for any reason. Dollar cost averaging results in the purchase of more accumulation units when the value of the accumulation unit is low, and fewer accumulation units when the value of the accumulation unit is high. However, there is no guarantee that the dollar cost averaging program will result in higher policy values or will otherwise be successful. Dollar cost averaging may be discontinued before its scheduled completion by sending written notice to us. While dollar cost averaging is in effect, asset rebalancing is not available. If dollar cost averaging is discontinued prior to the end of the scheduled period, all remaining funds in the dollar cost averaging fixed account will be transferred at that time. Unless we are notified otherwise, the funds remaining in the dollar cost averaging fixed account will be transferred to the subaccounts in the percentages currently indicated. Prior to the annuity commencement date, you may instruct us to automatically transfer amounts among the subaccounts of the separate account on a regular basis to maintain a desired allocation of the policy value among the various subaccounts offered. Rebalancing will occur on a monthly, quarterly, semi-annual or annual basis, beginning on a date selected by you. You must select the percentage of the policy value desired in each of the various subaccounts offered (totaling 100%). Any amounts in the fixed account are ignored for the purposes of asset rebalancing. Rebalancing can be started, stopped or changed at any time. Asset rebalancing is not available while dollar cost averaging is in effect. Rebalancing will cease as soon as we receive a request for any other transfer.

TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE. Prior to the annuity commencement dateAnnuity Commencement Date, you You may transfer the value of the accumulation units from one investment option Investment Option to another by providing us notice containing the facts that we need. Transfers of policy value from the separate account are subject to a minimum of $500 or the entire subaccount policy value, if less However, if the remaining subaccount policy value is less than $500, we reserve the right to include that amount as part of the transfer. Transfers of interest credited in the one-year GPO to other investment options Investment Options are allowed on a “First-Inln, First-Out” basis. Such transfers may be made monthly, quarterly, semi-annually, or annually. Each such transfer must be at least $50. Transfers of Policy Value from the Separate Account are subject to a minimum of $500 or the entire Subaccount Policy Value, if less. However, if the remaining Subaccount Policy Value is less than $500, we reserve the right to include that amount as part of the transfer. We reserve the right to limit transfers to no more than 12 in any one policy yearPolicy Year. Any transfers in excess of 12 per policy year Policy Year may be charged a $10 per transfer fee. Transfers among multiple investment options Investment Options will be treated as one transfer in determining the number of transfers that have occurred. We also reserve the right to prohibit transfers to the fixed accountFixed Account. We may prohibit premium payments and/or transfers if the yield on investments at such time is not sufficient to support the statutory minimum interest rate guarantee and other company expenses. If we are prohibiting transfers to the fixed accountFixed Account, we will provide 30 days advance written notice of this decision. You must indicate which investment option(sInvestment Option(s) to transfer the funds to while such prohibition is in effect. We will also provide timely written notification to you You once any such prohibition of transfers is no longer in effect. The policy was not designed for professional market timing organizations or other persons that use programmed, large, or frequent transfers. The use of such transfers may be disruptive to an underlying portfolio. We reserve the right to reject any transfer request from any person in the interest of overall fund management or, if, in our judgment judgment, an underlying fund would be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected or if an underlying fund would reject our purchase order. We also reserve the right to revoke your fax, Your fax and electronic transfer privileges at any time without revoking all owners owners’ fax and electronic transfer privileges. Prior to the annuity commencement dateAnnuity Commencement Date, you You may instruct us to automatically transfer a specified amount from the Money Market Subaccount, U.S. Government Securities Subaccount, or out of the dollar cost averaging Dollar Cost Averaging (DCA) fixed account option Fixed Account Option to any other subaccount(sSubaccount(s) of the separate accountSeparate Account. The automatic transfers can occur monthly or quarterly. Transfers will continue until the elected subaccount Subaccount or DCA fixed account Fixed Account value is depleted. The amount transferred each time must be at least $500. All transfers from the DCA account will be the same amount as the initial transfer. Changes to the subaccounts Subaccounts to which these transfers are allocated are not restricted. Transfers must be scheduled for at least 6, but not more than 24 months or for at least 4, but not more than 8 quarters each time the dollar cost averaging Dollar Cost Averaging program is started or restarted following termination of the program for any reason. Dollar cost averaging Cost Averaging results in the purchase of more accumulation units when the value of the accumulation unit is low, and fewer accumulation units when the value of the accumulation unit is high. However, there is no guarantee that the dollar cost averaging Dollar Cost Averaging program will result in higher policy values or will otherwise be successfulPolicy Values. Dollar cost averaging Cost Averaging may be discontinued before its scheduled completion by sending written notice to us. While dollar cost averaging Dollar Cost Averaging is in effect, asset rebalancing Asset Rebalancing is not available. If dollar cost averaging Dollar Cost Averaging is discontinued prior to the end of the scheduled period, all remaining funds in the dollar cost averaging fixed account Dollar Cost Averaging Fixed Account will be transferred at that time. Unless we are notified otherwise, the funds remaining in the dollar cost averaging fixed account Dollar Cost Averaging Fixed Account will be transferred to the subaccounts Subaccounts in the percentages currently indicated. Prior to the annuity commencement dateAnnuity Commencement Date, you You may instruct us to automatically transfer amounts among the subaccounts Subaccounts of the separate account Separate Account on a regular basis to maintain a desired allocation of the policy value Policy Value among the various subaccounts Subaccounts offered. Rebalancing will occur on a monthly, quarterly, semi-annual or annual basis, beginning on a date selected by youYou. You must select the percentage of the policy value Policy Value desired in each of the various subaccounts Subaccounts offered (totaling 100%). Any amounts in the fixed account Fixed Account are ignored for the purposes of asset rebalancingAsset Rebalancing. Rebalancing can be started, stopped or changed at any time. Asset rebalancing Rebalancing is not available while dollar cost averaging Dollar Cost Averaging is in effect. Rebalancing will cease as soon as we receive a request for any other transfer.

TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE. Prior to the annuity commencement date, you may transfer the value of the accumulation units policy values from one investment option to another by providing notifying us notice containing the facts that we needin a form and manner acceptable to us. Transfers under this policy may be restricted if you elect a rider which contains restrictions on transfers. Transfers of policy value from the separate account are subject to a minimum of $500 or the entire subaccount policy value, if less less. However, if the remaining subaccount policy value is less than $500, we reserve the right to include that amount as part of the transfer. Transfers of interest credited in the one-year GPO guaranteed period options to other investment options Investment Options are allowed on a “First-In, First-Out” basis. Such transfers may be made monthly, quarterly, semi-annually, or annually. Each such transfer must be at least $50. You may choose the one-year guaranteed period option to transfer to or from, however, any guaranteed period option elected may not extend beyond the maximum annuity commencement date defined in Section 11. We reserve the right to limit transfers to no more than 12 in any one policy year. Any transfers in excess of 12 per policy year may be charged a $10 per transfer fee. Transfers among multiple investment options will be treated as one transfer in determining the number of transfers that have occurred. We also reserve the right right, at our sole discretion, to prohibit refuse transfers allocated to any of the fixed accountaccount options. If we are prohibiting transfers to the fixed account, we will provide 30 days advance written notice of this decision. You must indicate which investment option(s) to transfer the funds to while such prohibition is in effect. We will also provide timely written notification to you once any such prohibition of transfers is no longer in effect. The policy was not designed for professional market timing organizations or other persons that use programmed, large, or frequent transfers. The use of such transfers may be disruptive to an underlying portfolio. We reserve the right to reject any transfer request from any person in the interest of overall fund management or, if, in our judgment an underlying fund would be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected or if an underlying fund would reject our purchase order. We also reserve the right to revoke your fax, and electronic transfer privileges at any time without revoking all owners fax and electronic transfer privileges. Prior to the annuity commencement date, you may instruct us to automatically transfer a specified amount from the Money Market Subaccount, U.S. Government Securities Subaccount, or out of the dollar cost averaging (DCA) fixed account option to any other subaccount(s) of the separate account. The automatic transfers can occur monthly or quarterly. Transfers will continue until the elected subaccount or DCA fixed account value is depleted. The amount transferred each time must be at least $500. All transfers from the DCA account will be the same amount as the initial transfer. Changes to the subaccounts to which these transfers are allocated are not restricted. Transfers must be scheduled for at least 6, but not more than 24 months or for at least 4, but not more than 8 quarters each time the dollar cost averaging program is started or restarted following termination of the program for any reason. Dollar cost averaging results in the purchase of more accumulation units when the value of the accumulation unit is low, and fewer accumulation units when the value of the accumulation unit is high. However, there is no guarantee that the dollar cost averaging program will result in higher policy values or will otherwise be successful. Dollar cost averaging may be discontinued before its scheduled completion by sending written notice to us. While dollar cost averaging is in effect, asset rebalancing is not available. If dollar cost averaging is discontinued prior to the end of the scheduled period, all remaining funds in the dollar cost averaging fixed account will be transferred at that time. Unless we are notified otherwise, the funds remaining in the dollar cost averaging fixed account will be transferred to the subaccounts in the percentages currently indicated. Prior to the annuity commencement date, you may instruct us to automatically transfer amounts among the subaccounts of the separate account on a regular basis to maintain a desired allocation of the policy value among the various subaccounts offered. Rebalancing will occur on a monthly, quarterly, semi-annual or annual basis, beginning on a date selected by you. You must select the percentage of the policy value desired in each of the various subaccounts offered (totaling 100%). Any amounts in the fixed account are ignored for the purposes of asset rebalancing. Rebalancing can be started, stopped or changed at any time. Asset rebalancing is not available while dollar cost averaging is in effect. Rebalancing will cease as soon as we receive a request for any other transfer.

TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE. Prior to the annuity commencement date, you may transfer the value of the accumulation units from one investment option to another by providing us notice containing the facts that we need. Transfers of policy value from the separate account are subject to a minimum of $500 or the entire subaccount policy value, if less less. However, if the remaining subaccount policy value is less than $500, we reserve the right to include that amount as part of the transfer. Transfers of interest credited in the one-year GPO to other investment options are allowed on a “First-Inln, First-Out” basis. Such transfers may be made monthly, quarterly, semi-annually, or annually. Each such transfer must be at least $50. We reserve the right to limit transfers to no more than 12 in any one policy year. Any transfers in excess of 12 per policy year may be charged a $10 per transfer fee. Transfers among multiple investment options will be treated as one transfer in determining the number of transfers that have occurred. We also reserve the right to prohibit transfers to the fixed account. If we are prohibiting transfers to the fixed account, we will provide 30 days advance written notice of this decision. You must indicate which investment option(s) to transfer the funds to while such prohibition is in effect. We will also provide timely written notification to you once any such prohibition of transfers is no longer in effect. The policy was not designed for professional market timing organizations or other persons that use programmed, large, or frequent transfers. The use of such transfers may be disruptive to an underlying portfolio. We reserve the right to reject any transfer request from any person in the interest of overall fund management or, if, in our judgment judgment, an underlying fund would be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected or if an underlying fund would reject our purchase order. We also reserve the right to revoke your fax, and electronic transfer privileges at any time without revoking all owners owner’s fax and electronic transfer privileges. Prior to the annuity commencement date, you may instruct us to automatically transfer a specified amount from the Money Market Subaccount, U.S. Government Securities Subaccount, or out of the dollar cost averaging (DCA) fixed account option to any other subaccount(s) of the separate account. The automatic transfers can occur monthly or quarterly. Transfers will continue until the elected subaccount or DCA fixed account value is depleted. The amount transferred each time must be at least $500. All transfers from the DCA account will be the same amount as the initial transfer. Changes to the subaccounts to which these transfers are allocated are not restricted. Transfers must be scheduled for at least 6, but not more than 24 months or for at least 4, but not more than 8 quarters each time the dollar cost averaging program is started or restarted following termination of the program for any reason. Dollar cost averaging results in the purchase of more accumulation units when the value of the accumulation unit is low, and fewer accumulation units when the value of the accumulation unit is high. However, there is no guarantee that the dollar cost averaging program will result in higher policy values or will otherwise be successful. Dollar cost averaging may be discontinued before its scheduled completion by sending written notice to us. While dollar cost averaging is in effect, asset rebalancing is not available. If dollar cost averaging is discontinued prior to the end of the scheduled period, all remaining funds in the dollar cost averaging fixed account will be transferred at that time. Unless we are notified otherwise, the funds remaining in the dollar cost averaging fixed account will be transferred to the subaccounts in the percentages currently indicated. Prior to the annuity commencement date, you may instruct us to automatically transfer amounts among the subaccounts of the separate account on a regular basis to maintain a desired allocation of the policy value among the various subaccounts offered. Rebalancing will occur on a monthly, quarterly, semi-annual or annual basis, beginning on a date selected by you. You must select the percentage of the policy value desired in each of the various subaccounts offered (totaling 100%). Any amounts in the fixed account are ignored for the purposes of asset rebalancing. Rebalancing can be started, stopped or changed at any time. Asset rebalancing is not available while dollar cost averaging is in effect. Rebalancing will cease as soon as we receive a request for any other transfer.

TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE. Prior to the annuity commencement date, you may transfer the value of the accumulation units from one investment option to another by providing us notice containing the facts that we need. Transfers of policy value from the separate account are subject to a minimum of $500 or the entire subaccount policy value, if less less. However, if the remaining subaccount policy value is less than $500, we reserve the right to include that amount as part of the transfer. Transfers of interest credited in the one-year GPO guaranteed period options to other investment options Investment Options are allowed on a “First-–In, First-–Out” basis. Such transfers may be made monthly, quarterly, semi-annually, or annually. Each such transfer must be at least $50. We reserve the right to limit transfers to no more than 12 in any one policy year. Any transfers in excess of 12 per policy year may be charged a $10 per transfer fee. Transfers among multiple investment options will be treated as one transfer in determining the number of transfers that have occurred. We also reserve the right to prohibit transfers to the fixed account. If we are prohibiting transfers to the fixed account, we will provide 30 days advance written notice of this decision. You must indicate which investment option(s) to transfer the funds to while such prohibition is in effect. We will also provide timely written notification to you once any such prohibition of transfers is no longer in effect. The This policy was is not designed for professional market timing organizations or other persons that use programmed, large, or frequent transfers. The use of such transfers may be disruptive to an underlying portfolio. We reserve the right to reject any transfer request from any person in the interest of overall fund management or, if, in our judgment judgement, an underlying fund would be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected or if an underlying fund would reject our purchase order. We also reserve the right to revoke your fax, fax and electronic transfer privileges provileges at any time without revoking all owners owner’s fax and electronic transfer privileges. Prior to the annuity commencement date, you may instruct us to automatically transfer a specified amount from the Money Market Subaccount, U.S. Government Securities Subaccount, or out of the dollar cost averaging (DCA) fixed account option to any other subaccount(s) of the separate account. The automatic transfers can occur monthly or quarterly. Transfers will continue until the elected subaccount or DCA fixed account value is depleted. The amount transferred each time must be at least $500. All transfers from the DCA account will be the same amount as the initial transfer. Changes to the subaccounts to which these transfers are allocated are not restricted. Transfers must be scheduled for at least 6, but not more than 24 months or for at least 4, but not more than 8 quarters each time the dollar cost averaging program is started or restarted following termination of the program for any reason. Dollar cost averaging results in the purchase of more accumulation units when the value of the accumulation unit is low, and fewer accumulation units when the value of the accumulation unit is high. However, there is no guarantee that the dollar cost averaging program will result in higher policy values or will otherwise be successful. Dollar cost averaging may be discontinued before its scheduled completion by sending written notice to us. While dollar cost averaging is in effect, asset rebalancing is not available. If dollar cost averaging is discontinued prior to the end of the scheduled period, all remaining funds in the dollar cost averaging fixed account will be transferred at that time. Unless we are notified otherwise, the funds remaining in the dollar cost averaging fixed account will be transferred to the subaccounts in the percentages currently indicated. Prior to the annuity commencement date, you may instruct us to automatically transfer amounts among the subaccounts of the separate account on a regular basis to maintain a desired allocation of the policy value among the various subaccounts offered. Rebalancing will occur on a monthly, quarterly, semi-annual or annual basis, beginning on a date selected by you. You must select the percentage of the policy value desired in each of the various subaccounts offered (totaling 100%). Any amounts in the fixed account are ignored for the purposes of asset rebalancing. Rebalancing can be started, stopped or changed at any time. Asset rebalancing is not available while dollar cost averaging is in effect. Rebalancing will cease as soon as we receive a request for any other transfer.

TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE. Prior to the annuity commencement dateAnnuity Commencement Date, you You may transfer the value of the accumulation units from one investment option Investment Option to another by providing us notice containing the facts that we need. Transfers of policy value from the separate account are subject to a minimum of $500 or the entire subaccount policy value, if less However, if the remaining subaccount policy value is less than $500, we reserve the right to include that amount as part of the transfer. Transfers of interest credited in the one-year GPO to other investment options Investment Options are allowed on a “First-Inln, First-Out” basis. Such transfers may be made monthly, quarterly, semi-annually, or annually. Each such transfer must be at least $50. Transfers of Policy Value from the Separate Account are subject to a minimum of $500 or the entire Subaccount Policy Value, if less. However, if the remaining Subaccount Policy Value is less than $500, we reserve the right to include that amount as part of the transfer. We reserve the right to limit transfers to no more than 12 in any one policy yearPolicy Year. Any transfers in excess of 12 per policy year Policy Year may be charged a $10 per transfer fee. Transfers among multiple investment options Investment Options will be treated as one transfer in determining the number of transfers that have occurred. We also reserve the right to prohibit transfers to the fixed accountFixed Account. We may prohibit premium payments and/or transfers if the yield on investments at such time is not sufficient to support the statutory minimum interest rate guarantee and other company expenses. If we are prohibiting transfers to the fixed accountFixed Account, we will provide 30 days advance written notice of this decision. You must indicate which investment option(sInvestment Option(s) to transfer the funds to while such prohibition is in effect. We will also provide timely written notification to you You once any such prohibition of transfers is no longer in effect. The policy was not designed for professional market timing organizations or other persons that use programmed, large, or frequent transfers. The use of such transfers may be disruptive to an underlying portfolio. We reserve the right to reject any transfer request from any person in the interest of overall fund management or, if, in our judgment judgment, an underlying fund would be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected or if an underlying fund would reject our purchase order. We also reserve the right to revoke your fax, Your fax and electronic transfer privileges at any time without revoking all owners owners’ fax and electronic transfer privileges. Prior to the annuity commencement date, you may instruct us to automatically transfer a specified amount from the Money Market Subaccount, U.S. Government Securities Subaccount, or out of the dollar cost averaging (DCA) fixed account option to any other subaccount(s) of the separate account. The automatic transfers can occur monthly or quarterly. Transfers will continue until the elected subaccount or DCA fixed account value is depleted. The amount transferred each time must be at least $500. All transfers from the DCA account will be the same amount as the initial transfer. Changes to the subaccounts to which these transfers are allocated are not restricted. Transfers must be scheduled for at least 6, but not more than 24 months or for at least 4, but not more than 8 quarters each time the dollar cost averaging program is started or restarted following termination of the program for any reason. Dollar cost averaging results in the purchase of more accumulation units when the value of the accumulation unit is low, and fewer accumulation units when the value of the accumulation unit is high. However, there is no guarantee that the dollar cost averaging program will result in higher policy values or will otherwise be successful. Dollar cost averaging may be discontinued before its scheduled completion by sending written notice to us. While dollar cost averaging is in effect, asset rebalancing is not available. If dollar cost averaging is discontinued prior to the end of the scheduled period, all remaining funds in the dollar cost averaging fixed account will be transferred at that time. Unless we are notified otherwise, the funds remaining in the dollar cost averaging fixed account will be transferred to the subaccounts in the percentages currently indicated. Prior to the annuity commencement date, you may instruct us to automatically transfer amounts among the subaccounts of the separate account on a regular basis to maintain a desired allocation of the policy value among the various subaccounts offered. Rebalancing will occur on a monthly, quarterly, semi-annual or annual basis, beginning on a date selected by you. You must select the percentage of the policy value desired in each of the various subaccounts offered (totaling 100%). Any amounts in the fixed account are ignored for the purposes of asset rebalancing. Rebalancing can be started, stopped or changed at any time. Asset rebalancing is not available while dollar cost averaging is in effect. Rebalancing will cease as soon as we receive a request for any other transfer.

TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE. Prior to the annuity commencement dateAnnuity Commencement Date, you You may transfer the value of the accumulation units from one investment option Investment Option to another by providing us notice containing the facts that we need. Transfers of policy value interest credited in the one–year GPO to other Investment Options are allowed on a “First–In, First–Out” basis. Such transfers may be made monthly, quarterly, semi–annually, or annually. Each such transfer must be at least $50, Transfers of Policy Value from the separate account Separate Account are subject to a minimum of $500 or the entire subaccount policy valueSubaccount Policy Value, if less less. However, if the remaining subaccount policy value Subaccount Policy Value is less than $500, we reserve the right to include that amount as part of the transfer. Transfers of interest credited in the one-year GPO to other investment options are allowed on a “First-In, First-Out” basis. Such transfers may be made monthly, quarterly, semi-annually, or annually. Each such transfer must be at least $50. We reserve the right to limit transfers to no more than 12 in any one policy yearPolicy Year. Any transfers in excess of 12 per policy year Policy Year may be charged a $10 1 0 per transfer fee. Transfers among multiple investment options Investment Options will be treated as one transfer in determining the number of transfers that have occurred. occurred We also reserve the right to prohibit transfers to the fixed account. Fixed Account We may prohibit premium payments and/or transfers if the yield on investments at such time is not sufficient to support the statutory minimum interest rate guarantee and other company expenses If we are prohibiting transfers to the fixed account, Fixed Account we will provide 30 days advance written notice of this decision. You must indicate which investment option(sInvestment Option(s) to transfer the funds to while such prohibition is in effect. effect We will also provide timely written notification to you You once any such prohibition of transfers is no longer in effect. effect The policy was not designed for professional market timing organizations or other persons that use programmed, large, or frequent transfers. The use of such transfers may be disruptive to an underlying portfolio. We reserve the right to reject any transfer request from any person in the interest of overall fund management or, if, in our judgment an underlying fund would be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected or if an underlying fund would reject our purchase order. We also reserve the right to revoke your fax, Your fax and electronic transfer privileges at any time without revoking all owners owners’ fax and electronic transfer privileges. Prior to the annuity commencement dateAnnuity Commencement Date, you You may instruct us to automatically transfer a specified amount from the Money Market Subaccount, U.S. Government Securities Subaccount, or out of the dollar cost averaging Dollar Cost Averaging (DCA) fixed account option Fixed Account Option to any other subaccount(sSubaccount(s) of the separate account. Separate Account The automatic transfers can occur monthly or quarterly. Transfers will continue until the elected subaccount Subaccount or DCA fixed account Fixed Account value is depleted. The amount transferred each time must be at least $500. All transfers from the DCA account will be the same amount as the initial transfer. Changes to the subaccounts Subaccounts to which these transfers are allocated are not restricted. Transfers must be scheduled for at least 6, but not more than 24 months or for at least 4, but not more than 8 quarters each time the dollar cost averaging Dollar Cost Averaging program is started or restarted following termination of the program for any reason. Dollar cost averaging Cost Averaging results in the purchase of more accumulation units when the value of the accumulation unit is low, and fewer accumulation units when the value of the accumulation unit is high. However, there is no guarantee that the dollar cost averaging Dollar Cost Averaging program will result in higher policy values or will otherwise be successfulPolicy Values. Dollar cost averaging Cost Averaging may be discontinued before its scheduled completion by sending written notice to us. us While dollar cost averaging Dollar Cost Averaging is in effect, asset rebalancing effect Asset Rebalancing is not available. available If dollar cost averaging Dollar Cost Averaging is discontinued prior to the end of the scheduled period, all remaining funds in the dollar cost averaging fixed account Dollar Cost Averaging Fixed Account will be transferred at that time. Unless we are notified otherwise, the funds remaining in the dollar cost averaging fixed account Dollar Cost Averaging Fixed Account will be transferred to the subaccounts Subaccounts in the percentages currently indicated. Prior to the annuity commencement dateAnnuity Commencement Date, you You may instruct us to automatically transfer amounts among the subaccounts Subaccounts of the separate account Separate Account on a regular basis to maintain a desired allocation of the policy value Policy Value among the various subaccounts Subaccounts offered. Rebalancing will occur on a monthly, quarterly, semi-–annual or annual basis, beginning on a date selected by youYou. You must select the percentage of the policy value Policy Value desired in each of the various subaccounts Subaccounts offered (totaling 100%). Any amounts in the fixed account Fixed Account are ignored for the purposes of asset rebalancingAsset Rebalancing. Rebalancing can be started, stopped or changed at any time. Asset rebalancing Rebalancing is not available while dollar cost averaging Dollar Cost Averaging is in effect. effect Rebalancing will cease as soon as we receive a request for any other transfer.