Common use of VOTING RIGHTS AND REPORTS TO OWNERS Clause in Contracts

VOTING RIGHTS AND REPORTS TO OWNERS. As long as the Separate Account continues to be registered as a unit investment trust under the Investment Company Act of 1940 and the assets of the Separate Account are invested in shares of a Portfolio, the Company will vote shares held by the Separate Account in accordance with the instructions received from the Owners of Accumulation Units or, after payments have commenced under a variable payment plan, from the beneficiaries receiving payments under those payment plans. Each Owner or beneficiary will receive: • periodic reports relating to the Portfolio; • proxy material; • a form with which to give voting instructions; and • information regarding the proportion of shares of each Portfolio held in the Separate Account corresponding either to the Accumulation Units credited to this contract or the number of shares held in the Separate Account representing the Company’s actuarial liability under the variable payment plan. At least once each Contract Year, the Company will also send to the Owner or beneficiary a statement of the Accumulation Values of the Investment Accounts, the number of units credited to the contract, the dollar value of a unit as of a date not more than two months previous to the date of mailing, and a statement of the investments held by the Separate Account. RR.V.B.BK.(0803) 15

VOTING RIGHTS AND REPORTS TO OWNERS. As long as the Separate Account continues to be registered as a unit investment trust under the Investment Company Act of 1940 and the assets of the Separate Account are invested in shares of a Portfolio, the Company will vote shares held by the Separate Account in accordance with the instructions received from the Owners of Accumulation Units or, after payments have commenced under a variable payment plan, from the beneficiaries receiving payments under those payment plans. Each Owner or beneficiary will receive: • periodic reports relating to the Portfolio; • proxy material; • a form with which to give voting instructions; and • information regarding the proportion of shares of each Portfolio held in the Separate Account corresponding either to the Accumulation Units credited to this contract or the number of shares held in the Separate Account representing the Company’s actuarial liability under the variable payment plan. At least once each Contract Year, the Company will also send to the Owner or beneficiary a statement of the Accumulation Values of the Investment Accounts, the number of units credited to the contract, the dollar value of a unit as of a date not more than two months previous to the date of mailing, and a statement of the investments held by the Separate Account. RR.V.B.BK.(0803RR.V.B.BK.(0805) 1516

VOTING RIGHTS AND REPORTS TO OWNERS. As long as the Separate Account continues to be registered as a unit investment trust under the Investment Company Act of 1940 and the assets of the Separate Account are invested in shares of a Portfolio, the Company will vote shares held by the Separate Account in accordance with the instructions received from the Owners of Accumulation Units or, after payments have commenced under a variable payment plan, from the beneficiaries receiving payments under those payment plans. Each Owner or beneficiary will receive: • periodic reports relating to the Portfolio; • proxy material; • a form with which to give voting instructions; and • information regarding the proportion of shares of each Portfolio held in the Separate Account corresponding either to the Accumulation Units credited to this contract or the number of shares held in the Separate Account representing the Company’s actuarial liability under the variable payment plan. At least once each Contract Year, the Company will also send to the Owner or beneficiary a statement of the Accumulation Values of the Investment Accounts, the number of units credited to the contract, the dollar value of a unit as of a date not more than two months previous to the date of mailing, and a statement of the investments held by the Separate Account. RR.V.B.BK.(0803RR. V. B. MSNST. (0803) 1514

VOTING RIGHTS AND REPORTS TO OWNERS. As long as the Separate Account continues to be registered as a unit investment trust under the Investment Company Act of 1940 and the assets of the Separate Account are invested in shares of a Portfolio, the Company will vote shares held by the Separate Account in accordance with the instructions received from the Owners of Accumulation Units or, after payments have commenced under a variable payment plan, from the beneficiaries receiving payments under those payment plans. Each Owner or beneficiary will receive: • periodic reports relating to the Portfolio; • proxy material; • a form with which to give voting instructions; and • information regarding the proportion of shares of each Portfolio held in the Separate Account corresponding either to the Accumulation Units credited to this contract or the number of shares held in the Separate Account representing the Company’s actuarial liability under the variable payment plan. At least once each Contract Year, the Company will also send to the Owner or beneficiary a statement of the Accumulation Values of the Investment Accounts, the number of units credited to the contract, the dollar value of a unit as of a date not more than two months previous to the date of mailing, and a statement of the investments held by the Separate Account. RR.V.B.BK.(0803RR.V.B.MSNST.(0805) 1514