Common use of Value Fund Clause in Contracts

Value Fund. ANNUAL NET ASSETS RATE ---------- ---- First $250 million......................................... 0.65% Over $250 million.......................................... 0.60%

Value Fund. ANNUAL NET ASSETS ANNUAL RATE ---------- ---- ----------- First $250 million......................................... ............................................................................... 0.65% Over $250 million.......................................... ................................................................................ 0.60%

Value Fund. ANNUAL NET ASSETS ANNUAL RATE ---------- ---- ----------- First $250 million......................................... ................................................................................... 0.65% Over $250 million.......................................... .................................................................................... 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ---- ------ First $250 million......................................... .......................................... 0.65% Over $250 million.......................................... ........................................... 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ---- ------ First $250 million......................................... million ................................................... 0.65% Over $250 million.......................................... million .................................................... 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ---- ------ First $250 million......................................... million ........................................... 0.65% Over $250 million.......................................... million ............................................ 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ---- ------ First $250 million......................................... ....................................................................................... 0.65% Over $250 million.......................................... ........................................................................................ 0.60%

Value Fund. ANNUAL NET ASSETS ANNUAL RATE ---------- ---- ----------- First $250 million......................................... 0.65500 million ............................................... 0.55% Next $500 million ................................................ 0.50% Over $250 million.......................................... 0.601 billion .................................................. 0.45%"

Value Fund. ANNUAL NET ASSETS ANNUAL RATE ---------- ---- ----------- First $250 500 million......................................... 0.65................................................ 0.55% Next $500 million................................................. 0.50% Over $250 million.......................................... 0.601 billion................................................... 0.45%"

Value Fund. ANNUAL NET ASSETS RATE ---------- ---- First $250 million......................................... million .................................................... 0.65% Over $250 million.......................................... million ..................................................... 0.60%