Common use of Withdrawal Benefits Clause in Contracts

Withdrawal Benefits. A Participant may direct AUL at its Home Office, in a form acceptable to AUL, to withdraw all or a portion of the Withdrawal Value of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) If, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. (f) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met). (h) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, as of the close of business on the Valuation Date that AUL receives a proper withdrawal request, in a form acceptable to AUL, at its Home Office. If it is necessary to withdraw the entire Account Value of a Participant Account to make a lump- sum cash payment, the amount paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary to withdraw the entire Account Value to make such payment, AUL shall reduce the Account Value of the Participant Account by an amount sufficient to make the cash payment requested and to cover the Withdrawal Charge and any Section 6.5

Withdrawal Benefits. A Participant may direct (a) Except as stated below, a Participant, upon submitting a proper written request to AUL at its Home Office, in a form acceptable to AUL, may direct AUL to withdraw all or a portion of the Account Value (subject to the Withdrawal Value Charge) of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) If, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. (f) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any an Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met)withdrawn. (hc) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, effective as of the close of business on the Valuation Date that AUL receives a proper written withdrawal request, in a form acceptable to AUL, request at its Home Office, provided that AUL receives such request by 4:00 p.m. E.S.T. on that Valuation Date. If it such request is necessary received after 4:00 p.m. E.S.T., such request shall be effective as of the close of business on the next succeeding Valuation Date. (d) The Account Value to withdraw be applied pursuant to this Section shall be determined as of the applicable Valuation Date determined in (c) above. If the entire Account Value of a Participant Account to make a lump- sum cash paymentis withdrawn, the amount Participant shall be paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary the Participant requests that a specified percentage or dollar amount be paid to withdraw the entire Account Value to make such paymentParticipant, AUL shall reduce withdraw from the Participant Account an amount equal to the dollar amount to be paid divided by the difference between 1 and the decimal equivalent of the applicable Withdrawal Charge. Notwithstanding the previous sentence, in any Contract Year the Participant may withdraw up to 10% of the Account Value of his Participant Account determined as of the last Contract Anniversary preceding the request for the withdrawal without application of any Withdrawal Charge, provided that 12 months have elapsed from the date that the Participant's first Contribution is credited to his Participant Account by an AUL to the date of such withdrawal. (e) AUL shall pay such amount sufficient in a cash lump sum to make the Participant. Such cash lump sum will be paid within 7 days from the date that AUL receives the withdrawal request at its Home Office, except as AUL may be permitted to defer such payment requested and of amounts withdrawn from the Variable Account in accordance with appropriate provisions of the federal securities laws. AUL reserves the right to cover defer the Withdrawal Charge and any Section 6.5payment of amounts with drawn from the Fixed Interest Account for a period of up to 6 months after AUL receives the withdrawal request at its Home Office. (f) Withdrawals from a Participant Account's share of the Fixed Interest Account shall be made on a first-in/first-out basis so that all or a portion of the amounts credited to the Participant Account's share of the Fixed Interest Account which have been on deposit for the longest period of time, as well as the interest credited thereon, shall be withdrawn first. P-12867.11

Withdrawal Benefits. A Participant may direct AUL at its Home Office(a)(6) Effective January 1, in a form acceptable to AUL1993, to withdraw all or a portion of the Withdrawal Value of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) Ifif, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. (fd) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met). (h) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, determined as of the close of business on the applicable Valuation Date that AUL receives a proper withdrawal request, determined in a form acceptable to AUL, at its Home Office(c) above. If it is necessary to withdraw the entire Account Value of a Participant Account to make a lump- sum cash paymentis withdrawn, the amount Participant shall be paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary the Participant requests that a specified percentage or dollar amount be paid to withdraw the entire Account Value to make such paymentParticipant, AUL shall reduce withdraw from the Participant Account an amount equal to the dollar amount to be paid divided by the difference between 1and the decimal equivalent of the applicable Withdrawal Charge. Notwithstanding the previous sentence, in the first Contract Year in which a Participant Account is established, and in the next succeeding Contract Year, the Participant may withdraw from that Participant Account up to 10% of the sum of the Account Value of that Participant Account, determined as of the last Contract Anniversary preceding the request for the withdrawal, plus Contributions made during the applicable Contract Year, without application of any Withdrawal Charge. In any subsequent Contract Year, the Participant may withdraw from that Participant Account up to 10% of the Account Value of that Participant Account, determined as of the last Contract Anniversary preceding the request for the withdrawal, without application of any Withdrawal Charge. Where amounts have been transferred to this contract from another AUL P-12833 contract, Contract Years of participation for purposes of this 10% free-out provision shall be determined by using the date of the Participant's first contribution to the Participant Account in the previous contract which was transferred. Also, where a Participant has outstanding loans under this contract, a partial withdrawal by a Participant from the Fixed Interest Account shall be permitted only to the extent that the remaining Withdrawal Value of the Participant Account by an amount sufficient to make held in the cash payment requested and to cover Fixed Interest Account equals twice the Withdrawal Charge and any Section 6.5total of the Participant's outstanding loans under that Participant Account.

Withdrawal Benefits. A Participant may direct AUL at its Home Office, in a form acceptable to AUL, to withdraw all or a portion of the Withdrawal Value of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) If, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. (f) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met). (h) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, as of the close of business on the Valuation Date that AUL receives a proper withdrawal request, in a form acceptable to AUL, at its Home Office. If it is necessary to withdraw the entire Account Value of a Participant Account to make a lump- lump-sum cash payment, the amount paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary to withdraw the entire Account Value to make such payment, AUL shall reduce the Account Value of the Participant Account by an amount sufficient to make the cash payment requested and to cover the Withdrawal Charge and any Section 6.5

Withdrawal Benefits. A Participant may direct (a) Except as stated below, a Participant, upon submitting a proper written request to AUL at its Home Office, in a form acceptable to AUL, may direct AUL to withdraw all or a portion of the Account Value (subject to the Withdrawal Value Charge) of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) If, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. (f) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any an Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met)withdrawn. (hc) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, effective as of the close of business on the Valuation Date that AUL receives a proper written withdrawal request, in a form acceptable to AUL, request at its Home Office, provided that AUL receives such request by 4:00 p.m. E.S.T. on that Valuation Date. If it such request is necessary received after 4:00 p.m. E.S.T., such request shall be effective as of the close of business on the next succeeding Valuation Date. (d) The Account Value to withdraw be applied pursuant to this Section shall be determined as of the applicable Valuation Date determined in (c) above. If the entire Account Value of a Participant Account to make a lump- sum cash paymentis withdrawn, the amount Participant shall be paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary the Participant requests that a specified percentage or dollar amount be paid to withdraw the entire Account Value to make such paymentParticipant, AUL shall reduce withdraw from the Participant Account an amount equal to the dollar amount to be paid divided by the difference between 1 and the decimal equivalent of the applicable Withdrawal Charge. Notwithstanding the previous sentence, in any Contract Year the Participant may withdraw up to 10% of the Account Value of his Participant Account determined as of the last Contract Anniversary preceding the request for the withdrawal without application of any Withdrawal Charge, provided that 12 months have elapsed from the date that the Participant's first Contribution is credited to his Participant Account by an AUL to the date of such withdrawal. (e) AUL shall pay such amount sufficient in a cash lump sum to make the Participant. Such cash lump sum will be paid within 7 days from the date that AUL receives the withdrawal request at its Home Office, except as AUL may be permitted to defer such payment requested and of amounts withdrawn from the Variable Account in accordance with appropriate provisions of the federal securities laws. AUL reserves the right to cover defer the Withdrawal Charge and any Section 6.5payment of amounts with drawn from the Fixed Interest Account for a period of up to 6 months after AXX receives the withdrawal request at its Home Office. P-12867.14 A Mutual Company G-11020B (f) Withdrawals from a Participant Account's share of the Fixed Interest Account shall be made on a first-in/first-out basis so that all or a portion of the amounts credited to the Participant Account's share of the Fixed Interest Account which have been on deposit for the longest period of time, as well as the interest credited thereon, shall be withdrawn first. P-12867.15 A Mutual Company G-11020B

Withdrawal Benefits. A Participant may direct (a) The Contractholder, upon submitting a proper written request to AUL at its Home Office, in a form acceptable to AUL, may direct AUL to withdraw all or a portion of the Withdrawal Account Value of his Participant Account, (subject to the following provisions: (aWithdrawal Charge) Amounts attributable to amounts held as of December 31any Participant Account for any purpose permitted for the Plan under applicable law, 1988 under another Code Section 403(b) annuity contract which may be withdrawn. (b) Amounts attributable to Contributions made include providing benefits for retirement, disability, unforeseeable emergencies, attainment of age 70-1/2, or termination, other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawnPlan termination benefits, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, set forth in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) If, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. (f) AUL shall not be responsible for determining a Participant's compliance with the requirements abovePlan. Any withdrawal request submitted by the Contractholder pursuant to the previous sentence shall include the certification as to the purpose of the withdrawal. The Participant Contractholder assumes full responsibility for determining whether the any withdrawal is permitted under applicable law. AUL may rely solely upon law and under the representations terms of the Participant made in the withdrawal requesta particular Plan. (gb) Withdrawals from a Participant Account's share of any an Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met)withdrawn. (hc) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, effective as of the close of business on the Valuation Date that AUL receives a proper withdrawal request, in a form acceptable to AUL, written Contractholder request at its Home Office, provided that AUL receives such request by 4:00 p.m. E.S.T. on that Valuation Date. If it such request is necessary received after 4:00 p.m. E.S.T., such request shall be effective as of the close of business on the next succeeding Valuation Date. (d) The Account Value to withdraw be applied pursuant to this Section shall be determined as of the applicable Valuation Date determined in (c) above. If the entire Account Value of a Participant Account to make a lump- sum cash paymentis withdrawn, the amount Contractholder or party named by the Contractholder shall be paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary the Contractholder requests that a specified percentage or dollar amount be paid to withdraw the entire Account Value Contractholder or to make such paymenta party named by the Contractholder, AUL shall reduce withdraw from the Participant Account an amount equal to the dollar amount to be paid divided by the difference between 1 and the decimal equivalent of the applicable Withdrawal Charge. Notwithstanding the previous sentence, in any Contract Year the Contractholder may withdraw up to 10% of the Account Value of a Participant Account determined as of the last Contract Anniversary preceding the request for the withdrawal without application of any Withdrawal Charge, provided that 12 months have elapsed from the date that the Participant's first Contribution is credited to his Participant Account by an AUL to the date of such withdrawal. (e) AUL shall pay such amount sufficient in a cash lump sum to make the Contractholder or as otherwise directed by the Contractholder. Such cash lump sum will be paid within 7 days from the date that AUL receives the withdrawal request at its Home Office, except as AUL may be permitted to defer such payment requested and of amounts withdrawn from the Variable Account in accordance with appropriate provisions of the federal securities laws. AUL reserves the right to cover defer the Withdrawal Charge and any payment of amounts withdrawn from the Fixed Interest Account for a period of up to 6 P-12518.12 months after AUL receives the withdrawal request at its Home Office. (f) Withdrawals from a Participant Account's share of the Fixed Interest Account shall be made on a first-in/first-out basis so that all or a portion of the amounts credited to the Participant Account's share of the Fixed Interest Account which have been on deposit for the longest period of time, as well as the interest credited thereon, shall be withdrawn first. (g) No withdrawals shall be permitted prior to the termination of this contract except as provided in this Section 6.54.8. P-12518.13

Withdrawal Benefits. A Participant may direct AUL at its Home Office, in a form acceptable to AUL, to withdraw all or a portion of the Withdrawal Value of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31(6) Effective January 1, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn1993, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) Ifif, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. (fd) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met). (h) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, determined as of the close of business on the applicable Valuation Date that AUL receives a proper withdrawal request, determined in a form acceptable to AUL, at its Home Office(c) above. If it is necessary to withdraw the entire Account Value of a Participant Account to make a lump- sum cash paymentis withdrawn, the amount Participant shall be paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary the Participant requests that a specified percentage or dollar amount be paid to withdraw the entire Account Value to make such paymentParticipant, AUL shall reduce withdraw from the Participant Account an amount equal to the dollar amount to be paid divided by the difference between 1 and the decimal equivalent of the applicable Withdrawal Charge. Notwithstanding the previous sentence, in the first Contract Year in which a Participant Account is established, and in the next succeeding Contract Year, the Participant may withdraw from that Participant Account up to 10% of the sum of the Account Value of that Participant Account, determined as of the last Contract Anniversary preceding the request for the withdrawal, plus Contributions made during the applicable Contract Year, without application of any Withdrawal Charge. In any subsequent Contract Year, the Participant may withdraw from that Participant Account up to 10% of the Account Value of that Participant Account, determined as of the last Contract Anniversary preceding the request for the withdrawal, without application of any Withdrawal Charge. Also, where a Participant has outstanding loans under this contract, a partial P-12833SPL.AMD.2 withdrawal by a Participant from the Fixed Interest Account shall be permitted only to the extent that the remaining Withdrawal Value of the Participant Account by an amount sufficient to make held in the cash payment requested and to cover Fixed Interest Account equals twice the Withdrawal Charge and any Section 6.5total of the Participant's outstanding loans under this contract.

Withdrawal Benefits. A Participant may direct AUL at its Home Office(a)(6) Effective January 1, in a form acceptable to AUL1993, to withdraw all or a portion of the Withdrawal Value of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) Ifif, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. rollover (fd) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met). (h) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, determined as of the close of business on the applicable Valuation Date that AUL receives a proper withdrawal request, determined in a form acceptable to AUL, at its Home Office(c) above. If it is necessary to withdraw the entire Account Value of a Participant Account to make a lump- sum cash paymentis withdrawn, the amount Participant shall be paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary the Participant requests that a specified percentage or dollar amount be paid to withdraw the entire Account Value to make such paymentParticipant, AUL shall reduce withdraw from the Participant Account an amount equal to the dollar amount to be paid divided by the difference between 1 and the decimal equivalent of the applicable Withdrawal Charge. Notwithstanding the previous sentence, in the first Contract Year in which a Participant Account is established, and in the next succeeding Contract Year, the Participant may withdraw from that Participant Account up to 10% of the sum of the Account Value of that Participant Account, determined as of the last Contract Anniversary preceding the request for the withdrawal, plus Contributions made during the applicable Contract Year, without application of any Withdrawal Charge. In any subsequent Contract Year, the Participant may withdraw from that Participant Account up to 10% of the Account Value of that Participant Account, determined as of the last Contract Anniversary preceding the request for the withdrawal, without application of any Withdrawal Charge. Where amounts have been transferred to this contract from another AUL P-12833 contract, Contract Years of participation for purposes of this 10% free-out provision shall be determined by using the date of the Participant's first contribution to the Participant Account in the previous contract which was transferred. Also, where a Participant has outstanding loans under this contract, a partial withdrawal by a Participant from the Fixed Interest Account shall be permitted only to the extent that the remaining Withdrawal Value of the Participant Account by an amount sufficient to make held in the cash payment requested and to cover Fixed Interest Account equals twice the Withdrawal Charge and any Section 6.5total of the Participant's outstanding loans under that Participant Account.

Withdrawal Benefits. A Participant may direct AUL at its Home Office, in a form acceptable to AUL, to withdraw all or a portion of the Withdrawal Value of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31(6) Effective January 1, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn1993, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) Ifif, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. rollover (fd) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met). (h) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, determined as of the close of business on the applicable Valuation Date that AUL receives a proper withdrawal request, determined in a form acceptable to AUL, at its Home Office(c) above. If it is necessary to withdraw the entire Account Value of a Participant Account to make a lump- sum cash paymentis withdrawn, the amount Participant shall be paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary the Participant requests that a specified percentage or dollar amount be paid to withdraw the entire Account Value to make such paymentParticipant, AUL shall reduce withdraw from the Participant Account an amount equal to the dollar amount to be paid divided by the difference between 1 and the decimal equivalent of the applicable Withdrawal Charge. Notwithstanding the previous sentence, in the first Contract Year in which a Participant Account is established, and in the next succeeding Contract Year, the Participant may withdraw from that Participant Account up to 10% of the sum of the Account Value of that Participant Account, determined as of the last Contract Anniversary preceding the request for the withdrawal, plus Contributions made during the applicable Contract Year, without application of any Withdrawal Charge. In any subsequent Contract Year, the Participant may withdraw from that Participant Account up to 10% of the Account Value of that Participant Account, determined as of the last Contract Anniversary preceding the request for the withdrawal, without application of any Withdrawal Charge. Where amounts have been transferred to this contract from another AUL P-12833 contract, Contract Years of participation for purposes of this 10% free-out provision shall be determined by using the date of the Participant's first contribution to the Participant Account in the previous contract which was transferred. Also, where a Participant has outstanding loans under this contract, a partial withdrawal by a Participant from the Fixed Interest Account shall be permitted only to the extent that the remaining Withdrawal Value of the Participant Account by an amount sufficient to make held in the cash payment requested and to cover Fixed Interest Account equals twice the Withdrawal Charge and any Section 6.5total of the Participant's outstanding loans under that Participant Account.

Withdrawal Benefits. A Participant may direct (a) Except as stated below, a Participant, upon submitting a proper written request to AUL at its Home Office, in a form acceptable to AUL, may direct AUL to withdraw all or a portion of the Account Value (subject to the Withdrawal Value Charge) of his Participant Account, subject to the following provisions: (a) Amounts attributable to amounts held as of December 31, 1988 under another Code Section 403(b) annuity contract may be withdrawn. (b) Amounts attributable to Contributions made other than pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn. (c) Amounts attributable to Contributions made pursuant to a salary reduction agreement (within the meaning of Code Section 402(g)(3)(C)) may be withdrawn, provided that any distribution of such amounts shall not occur until the Participant has either attained age 59 1/2, separated from service, become totally disabled (as defined by the Internal Revenue Service), or experienced a hardship (as defined by the Internal Revenue Service). However, in the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. (d) Withdrawal of any amount from this contract which is transferred directly by AUL pursuant to Participant instructions to another tax-deferred annuity funding vehicle under applicable Internal Revenue Service rules and regulations shall be subject to application of the Withdrawal Charge. (e) If, as provided in Internal Revenue Code Regulation Section 1.403(b)-2T Q&A-2, the distributee of any eligible rollover distribution elects to have the distribution paid directly to an eligible retirement plan (as defined in Q&A-1 of that Section) and specifies the eligible retirement plan to which the distribution is to be paid, then the distribution shall be paid to that eligible retirement plan in a direct rollover. (f) AUL shall not be responsible for determining a Participant's compliance with the requirements above. Any withdrawal request shall include certification as to the purpose of the withdrawal. The Participant assumes full responsibility for determining whether the withdrawal is permitted under applicable law. AUL may rely solely upon the representations of the Participant made in the withdrawal request. (g) Withdrawals from a Participant Account's share of any an Investment Option may not be made in an amount less than the smaller of $500 or the Participant Account's entire share of the Investment Option. If a withdrawal reduces the Participant Account's share of an Investment Option to less than $500, such remaining share shall also be withdrawn (except for amounts prohibited from being distributed because Subsection (c) above is not met)withdrawn. (hc) A withdrawal request shall be effective, and the Account Value to be applied pursuant to this Section shall be determined, effective as of the close of business on the Valuation Date that AUL receives a proper written withdrawal request, in a form acceptable to AUL, request at its Home Office, provided that AUL receives such request by 4:00 p.m. E.S.T. on that Valuation Date. If it such request is necessary received after 4:00 p.m. E.S.T., such request shall be effective as of the close of business on the next succeeding Valuation Date. (d) The Account Value to withdraw be applied pursuant to this Section shall be determined as of the applicable Valuation Date determined in (c) above. If the entire Account Value of a Participant Account to make a lump- sum cash paymentis withdrawn, the amount Participant shall be paid shall equal the Withdrawal Value, minus any Section 6.5 charges. If it is not necessary the Participant requests that a specified percentage or dollar amount be paid to withdraw the entire Account Value to make such paymentParticipant, AUL shall reduce withdraw from the Participant Account an amount equal to the dollar amount to be paid divided by the difference between 1 and the decimal equivalent of the applicable Withdrawal Charge. Notwithstanding the previous sentence, in any Contract Year the Participant may withdraw up to 10% of the Account Value of his Participant Account determined as of the last Contract Anniversary preceding the request for the withdrawal without application of any Withdrawal Charge, provided that 12 months have elapsed from the date that the Participant's first Contribution is credited to his Participant Account by an AUL to the date of such withdrawal. (e) AUL shall pay such amount sufficient in a cash lump sum to make the Participant. Such cash lump sum will be paid within 7 days from the date that AUL receives the withdrawal request at its Home Office, except as AUL may be permitted to defer such payment requested and of amounts withdrawn from the Variable Account in accordance with appropriate provisions of the federal securities laws. AUL reserves the right to cover P-12566.15 (rpl) defer the Withdrawal Charge and any Section 6.5payment of amounts withdrawn from the Fixed Interest Account for a period of up to 6 months after AUL receives the withdrawal request at its Home Office. (f) Withdrawals from a Participant Account's share of the Fixed Interest Account shall be made on a first-in/first-out basis so that all or a portion of the amounts credited to the Participant Account's share of the Fixed Interest Account which have been on deposit for the longest period of time, as well as the interest credited thereon, shall be withdrawn first. P-12566.16