Common use of WITHDRAWAL PROVISION Clause in Contracts

WITHDRAWAL PROVISION. Prior to the Annuity Date while the Annuitant is living, You may withdraw all or part of the Contract Value amounts under this Contract by informing Us at Our Annuity Service Center. For full withdrawal, this Contract must be returned to Our Annuity Service Center. Absent written notification to the contrary, withdrawals and any applicable charge will be deducted from the Contract Value in proportion to its allocation among the Fixed Account and the Variable Accounts. Withdrawals will be based on values at the end of the Valuation Period in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven days. Market Value Adjustment may be applied to withdrawals. CONTINGENT DEFERRED SALES CHARGE Withdrawal of all or part of the Contract Value may be subject to a Continent Deferred Sales Charge (CDSC). However, no CDSC is made on an amount withdrawn which is considered to be a withdrawal of earnings. In addition, for the first withdrawal of a Contract Year, no Contingent Deferred Sales Charge is applied to such part of the withdrawal which does not exceed the larger of (a) earnings in the Contract or (b) the Free Corridor. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all Owners, and Owners will be notified of such change. For the purpose of determining the CDSC, a withdrawal will be attributed to amounts in the following order: (1) earnings in the Contract, (2) Purchase Payments which are both no longer subject to CDSC and are not yet withdrawn, and (3) Purchase Payments subject to CDSC. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC will depend on the age of the Purchase Payment to which the withdrawal is attributed. Number of Full Contribution Years Elapsed Contingent Between Contribution Year of Withdrawal Deferred and Contribution Year of Purchase Payment Sales Charge ========================================== ============== 0 7% 1 6% 2 5% 3 4% 4 3% 5 2% 6 1% 7+ 0% The CDSC will be assessed against the Variable Accounts and the Fixed Account in the same proportion as the remaining Contract Value is allocated unless the allocation is specified by the Owner. If the remaining Contract Value is insufficient to cover the Contingent Deferred Sales Charge, any remaining balance will be deducted from the dollar amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details.

WITHDRAWAL PROVISION. Prior to the Annuity Date while the Annuitant is living, You may withdraw all or part of the Contract Value amounts under this Contract Certificate by informing Us at Our Annuity Service Center. For full withdrawal, this Contract Certificate must be returned to Our Annuity Service Center. Absent written notification to the contrary, withdrawals and any applicable charge will be deducted from the Contract Value in proportion to its allocation among the Fixed Account and the Variable Accounts. Withdrawals will be based on values at the end of the Valuation Period in which the request for withdrawal and the Contract Certificate (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven days. Market Value Adjustment may be applied to withdrawals. CONTINGENT DEFERRED SALES CHARGE Withdrawal of all or part of the Contract Value may be subject to a Continent Contingent Deferred Sales Charge (CDSC). However, no CDSC is made on an amount withdrawn which is considered to be a withdrawal of earnings. In addition, for the first withdrawal of a Contract Year, no Contingent Deferred Sales Charge is applied to such part of the withdrawal which does not exceed the larger of (a) earnings in the Contract Certificate or (b) the Free Corridor. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal withdrawal, are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner Participant and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all Owners, Participants and Owners Participants will be notified of such change. For the purpose of determining the CDSC, a withdrawal will be attributed to amounts in the following order: (1) earnings in the ContractCertificate, (2) Purchase Payments which are both no longer subject to CDSC and are not yet withdrawn, and (3) Purchase Payments subject to CDSC. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC will depend on the age of the Purchase Payment Payments to which the withdrawal is attributed. Number of Full Contribution Contract Years Elapsed Contingent Between Contribution Contract Year of Withdrawal Deferred and Contribution Contract Year of Purchase Payment Sales Charge ======================================== === ============== 0 7% 1 6% 2 5% 3 4% 4 3% 5 2% 6 1% 7+ 0% The CDSC will be assessed against the Variable Accounts and the Fixed Account in the same proportion as the remaining Contract Value is allocated unless the allocation is specified by the OwnerParticipant. If the remaining Contract Value is insufficient to cover the Contingent Deferred Sales Charge, any remaining balance will be deducted from the dollar amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details.

WITHDRAWAL PROVISION. Prior to the Annuity Date while the Annuitant is living, You may withdraw all or part of the Contract Certificate Value amounts under this Contract Certificate by informing Us at Our Annuity Service Center. For full withdrawal, this Contract Certificate must be returned to Our Annuity Service Center. Absent written notification to the contrary, withdrawals and any applicable charge will be deducted from the Contract Certificate Value in proportion to its allocation among the Fixed Account and the Variable Accounts. Withdrawals will be based on values at the end of the Valuation valuation Period in which the request for withdrawal and the Contract Certificate (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven days. Market Value Adjustment may be applied to withdrawals. CONTINGENT DEFERRED SALES CHARGE Withdrawal of all or part of the Contract Certificate Value may be subject to a Continent Deferred Sales Charge (CDSC). However, no CDSC is made on an amount withdrawn which is considered to be a withdrawal of earnings. In addition, for the first withdrawal of during a Contract Certificate Year, after the first Certificate Year, no Contingent Deferred Sales Charge is applied to such part of the withdrawal which does not exceed the larger greater of (a) earnings in the Contract Certificate or (b) the Free Corridor. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner Participant and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all OwnersParticipants, and Owners Participants will be notified of such change. For the purpose of determining the CDSC, a withdrawal will be attributed to amounts in the following order: (1) earnings in the ContractCertificate, (2) Purchase Payments which are both no longer subject to CDSC and are not yet withdrawn, and (3) Purchase Payments subject to CDSC. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC will depend on the age of the Purchase Payment to which the withdrawal is attributed. Number of Full Contribution Years Elapsed Contingent Between Contribution Year of Withdrawal Deferred and Contribution Year of Purchase Payment Sales Charge ========================================== ============== ----------------------------------------- ------------ 0 76% 1 6% 2 5% 3 4% 4 3% 5 2% 6 1% 7+ 0% The CDSC will be assessed against the Variable Accounts and the Fixed Account in the same proportion as the remaining Contract Value is allocated unless the allocation is specified by the Owner. If the remaining Contract Value is insufficient to cover the Contingent Deferred Sales Charge, any remaining balance will be deducted from the dollar amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details.%

WITHDRAWAL PROVISION. Prior to On or before the Annuity Date and while the Annuitant Owner is living, You may withdraw all or part of the Your Contract Value amounts under this Contract by informing Us at Our Annuity Service Center. For a full withdrawal, this Contract must be returned to Our Annuity Service Center. Absent The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Without a written notification notice to the contrary, withdrawals and any applicable charge will be deducted from the Contract Value in proportion to its their allocation among the Fixed Account Options and the Variable AccountsSubaccounts. Withdrawals will be based on values at the end of the Valuation Period NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. Market Value Adjustment may be applied to withdrawals. CONTINGENT DEFERRED SALES WITHDRAWAL CHARGE Withdrawal Withdrawals of all or part a portion of the Contract Value may be subject to a Continent Deferred Sales Withdrawal Charge (CDSC)as shown in the chart below. However, no CDSC The Withdrawal Charge applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is made on an amount withdrawn withdrawn, which is considered to be a withdrawal of penalty-free earnings. In addition, for the first withdrawal of a Contract Year, no Contingent Deferred Sales Charge is applied to such part of the withdrawal which does not exceed the larger of (a) earnings in the Contract or (b) the Free Corridor. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all Owners, and Owners will be notified of such change. For the purpose of determining the CDSCWithdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract, ; (2) Purchase Payments which are both no longer subject to CDSC the Withdrawal Charge and are not yet withdrawn, ; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and (34) Purchase Payments subject to CDSCa Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in in-first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC You will depend on not receive the age benefit of the Purchase Payment to which the withdrawal is attributed. Number of Full Contribution Years Elapsed Contingent Between Contribution Year of a Penalty-Free Withdrawal Deferred and Contribution Year of Purchase Payment Sales Charge ========================================== ============== 0 7% 1 6% 2 5% 3 4% 4 3% 5 2% 6 1% 7+ 0% The CDSC will be assessed against the Variable Accounts and the Fixed Account in the same proportion as the remaining Contract Value is allocated unless the allocation is specified by the Owner. If the remaining Contract Value is insufficient to cover the Contingent Deferred Sales Charge, any remaining balance will be deducted from the dollar amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further detailsfull surrender.

WITHDRAWAL PROVISION. Prior to On or before the Annuity Date and while the Annuitant Owner is living, You may withdraw all or part of the Your Contract Value amounts under this Contract by informing Us at Our Annuity Service Center. For a full withdrawal, this Contract must be returned to Our Annuity Service Center. Absent Without a written notification notice to the contrary, withdrawals and any applicable charge will be deducted from the Contract Value in proportion to its their allocation among the Fixed Account Options and the Variable AccountsSubaccounts. Withdrawals will be based on values at the end of the Valuation Period NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. Market Value Adjustment WITHDRAWAL CHARGE Each Contract Year, the Owner may be applied withdraw, free of a Withdrawal Charge, 10% of all Purchase Payments which are still subject to a Withdrawal Charge. Amounts withdrawn as a free withdrawal do not reduce Purchase Payments for purposes of calculating future free withdrawals. CONTINGENT DEFERRED SALES CHARGE Withdrawal The Owner will not receive the benefit of all or part a free withdrawal in a full surrender. Withdrawals in excess of the Contract Value this free withdrawal amount may be subject to a Continent Deferred Sales Charge (CDSC)Withdrawal Charge. However, no CDSC is made on an amount withdrawn which is considered to be a The withdrawal of earnings. In addition, for the first withdrawal of a Contract Year, no Contingent Deferred Sales Charge is charge applied to such part any withdrawal will depend on the age of the Purchase Payment to which the withdrawal which does not exceed the larger of (a) earnings in the Contract or (b) the Free Corridoris attributed. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all Owners, and Owners will be notified of such changeSee chart below. For the purpose of determining the CDSCWithdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) earnings in the Contract, free withdrawal amount (partial withdrawals only); (2) Purchase Payments which are both no longer subject to CDSC the Withdrawal Charge and are not yet withdrawn, and ; (3) Purchase Payments subject to CDSCa Withdrawal Charge; and (4) other Contract Value. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in in-first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC will depend on the age of the Purchase Payment to which the withdrawal is attributed. Number of Full Contribution Years Elapsed Contingent Withdrawal Charge as a Between Contribution Year of Withdrawal Deferred and Contribution Year of Purchase Payment Sales Charge ========================================== ============== 0 Percentage of Withdrawn and Contribution Year of Withdrawal Purchase Payment -------------------------------------------------------------------------------- 1 7% 1 2 6% 2 3 6% 4 5% 3 5 4% 4 6 3% 5 7 2% 6 1% 78+ 0% The CDSC Withdrawal Charge will be assessed against the Variable Accounts Subaccounts and the Fixed Account Options in the same proportion as the remaining Contract Value is allocated unless You request that the allocation is specified by the Ownerwithdrawal come from a particular Fixed Account Option or Subaccount. If the remaining Contract Value is insufficient to cover the Contingent Deferred Sales Withdrawal Charge, any remaining balance will be deducted from the dollar withdrawal amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details.

WITHDRAWAL PROVISION. Prior to On or before the Annuity Date and while the Annuitant Participant is living, You may withdraw all or part of the Contract Your Certificate Value amounts under this Contract Certificate by informing Us at Our Annuity Service Center. For a full withdrawal, this Contract Certificate must be returned to Our Annuity Service Center. Absent Without a written notification notice to the contrary, withdrawals and any applicable charge will be deducted from the Contract Certificate Value in proportion to its their allocation among the Fixed Account Options and the Variable AccountsSubaccounts. Withdrawals will be based on values at the end of the Valuation Period NYSE business day in which the request for withdrawal and the Contract Certificate (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. Market Value Adjustment may be applied to withdrawals. CONTINGENT DEFERRED SALES WITHDRAWAL CHARGE Withdrawal Withdrawals of all or part a portion of the Contract Certificate Value may be subject to a Continent Deferred Sales Withdrawal Charge (CDSC)as shown in the chart below. However, no CDSC The Withdrawal Charge applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Certificate. No Withdrawal Charge is made on an amount withdrawn which is considered to be a withdrawal of penalty-free earnings. In addition, for the first withdrawal of a Contract Year, no Contingent Deferred Sales Charge is applied to such part of the withdrawal which does not exceed the larger of (a) earnings in the Contract or (b) the Free Corridor. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all Owners, and Owners will be notified of such change. For the purpose of determining the CDSCWithdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract, Certificate; (2) Purchase Payments which are both no longer subject to CDSC the Withdrawal Charge and are not yet withdrawn, ; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and (34) Purchase Payments subject to CDSCa Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in in-first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC You will depend on not receive the age benefit of the Purchase Payment to which the withdrawal is attributed. Number of Full Contribution Years Elapsed Contingent Between Contribution Year of a Penalty-Free Withdrawal Deferred and Contribution Year of Purchase Payment Sales Charge ========================================== ============== 0 7% 1 6% 2 5% 3 4% 4 3% 5 2% 6 1% 7+ 0% The CDSC will be assessed against the Variable Accounts and the Fixed Account in the same proportion as the remaining Contract Value is allocated unless the allocation is specified by the Owner. If the remaining Contract Value is insufficient to cover the Contingent Deferred Sales Charge, any remaining balance will be deducted from the dollar amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further detailsfull surrender.

WITHDRAWAL PROVISION. Prior to On or before the Annuity Date and while the Annuitant Participant is living, You may withdraw all or part of the Contract Your Certificate Value amounts under this Contract Certificate by informing Us at Our Annuity Service Center. For a full withdrawal, this Contract Certificate must be returned to Our Annuity Service Center. Absent Without a written notification notice to the contrary, withdrawals and any applicable charge will be deducted from the Contract Certificate Value in proportion to its their allocation among the Fixed Account Options and the Variable AccountsSubaccounts. Withdrawals will be based on values at the end of the Valuation Period NYSE business day in which the request for withdrawal and the Contract Certificate (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. Market Value Adjustment WITHDRAWAL CHARGE Each Certificate Year, a Participant may be applied withdraw, free of a Withdrawal Charge, 10% of all Purchase Payments which are still subject to a Withdrawal Charge. Amounts withdrawn as a free withdrawal do not reduce Purchase Payments for purposes of calculating future free withdrawals. CONTINGENT DEFERRED SALES CHARGE Withdrawal The Participant will not receive the benefit of all or part a free withdrawal in a full surrender. Withdrawals in excess of the Contract Value this free withdrawal amount may be subject to a Continent Deferred Sales Charge (CDSC)Withdrawal Charge. However, no CDSC is made on an amount withdrawn which is considered to be a The withdrawal of earnings. In addition, for the first withdrawal of a Contract Year, no Contingent Deferred Sales Charge is charge applied to such part any withdrawal will depend on the age of the Purchase Payment to which the withdrawal which does not exceed the larger of (a) earnings in the Contract or (b) the Free Corridoris attributed. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all Owners, and Owners will be notified of such changeSee chart below. For the purpose of determining the CDSCWithdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) earnings in the Contract, free withdrawal amount (partial withdrawals only); (2) Purchase Payments which are both no longer subject to CDSC the Withdrawal Charge and are not yet withdrawn, and ; (3) Purchase Payments subject to CDSCa Withdrawal Charge; and (4) other Certificate Value. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in in-first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC will depend on the age of the Purchase Payment to which the withdrawal is attributed. Number of Full Contribution Years Elapsed Contingent Withdrawal Charge as a Between Contribution Year of Withdrawal Deferred and Contribution Year of Purchase Payment Sales Charge ========================================== ============== 0 Percentage of Withdrawn and Contribution Year of Withdrawal Purchase Payment -------------------------------------------------------------------------------- 1 7% 1 2 6% 2 3 6% 4 5% 3 5 4% 4 6 3% 5 7 2% 6 1% 78+ 0% The CDSC Withdrawal Charge will be assessed against the Variable Accounts Subaccounts and the Fixed Account Options in the same proportion as the remaining Contract Certificate Value is allocated unless You request that the allocation is specified by the Ownerwithdrawal come from a particular Fixed Account Option or Subaccount. If the remaining Contract Certificate Value is insufficient to cover the Contingent Deferred Sales Withdrawal Charge, any remaining balance will be deducted from the dollar withdrawal amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details.

WITHDRAWAL PROVISION. Prior to the Annuity Date while the Annuitant is living, You may withdraw all or part of the Contract Certificate Value amounts under this Contract Certificate by informing Us at Our Annuity Service Center. For full withdrawal, this Contract Certificate must be returned to Our Annuity Service Center. Absent written notification to the contrary, withdrawals and any applicable charge will be deducted from the Contract Certificate Value in proportion to its allocation among the Fixed Account and the Variable Accounts. Withdrawals will be based on values at the end of the Valuation valuation Period in which the request for withdrawal and the Contract Certificate (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven days. Market Value Adjustment may be applied to withdrawals. 15 CONTINGENT DEFERRED SALES CHARGE Withdrawal of all or part of the Contract Certificate Value may be subject to a Continent Deferred Sales Charge (CDSC). However, no CDSC is made on an amount withdrawn which is considered to be a withdrawal of earnings. In addition, for the first withdrawal of during a Contract Certificate Year, after the first Certificate Year, no Contingent Deferred Sales Charge is applied to such part of the withdrawal which does not exceed the larger greater of (a) earnings in the Contract Certificate or (b) the Free Corridor. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner Participant and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all Owners, and Owners will be notified of such change. For the purpose of determining the CDSC, a withdrawal will be attributed to amounts in the following order: (1) earnings in the ContractCertificate, (2) Purchase Payments which are both no longer subject to CDSC and are not yet withdrawn, and (3) Purchase Payments subject to CDSC. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC will depend on the age of the Purchase Payment to which the withdrawal is attributed. Number of Full Contribution Years Elapsed Contingent Between Contribution Year of Withdrawal Deferred and Contribution Year of Purchase Payment Sales Charge ========================================== ============== 0 7% 1 6% 2 5% 3 4% 4 3% 5 2% 6 1% 7+ 0% The CDSC will be assessed against the Variable Accounts and the Fixed Account in the same proportion as the remaining Contract Value is allocated unless the allocation is specified by the Owner. If the remaining Contract Value is insufficient to cover the Contingent Deferred Sales Charge, any remaining balance will be deducted from the dollar amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further details.

WITHDRAWAL PROVISION. Prior to On or before the Annuity Date and while the Annuitant Owner is living, You may withdraw all or part of the Your Contract Value amounts under this Contract by informing Us at Our Annuity Service Center. For a full withdrawal, this Contract must be returned to Our Annuity Service Center. Absent Without a written notification notice to the contrary, withdrawals and any applicable charge will be deducted from the Contract Value in proportion to its their allocation among the Fixed Account Options and the Variable AccountsSubaccounts. Withdrawals will be based on values at the end of the Valuation Period NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. Market Value Adjustment may be applied to withdrawals. CONTINGENT DEFERRED SALES WITHDRAWAL CHARGE Withdrawal Withdrawals of all or part a portion of the Contract Value may be subject to a Continent Deferred Sales Withdrawal Charge (CDSC)as shown in the chart below. However, no CDSC The Withdrawal Charge applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is made on an amount withdrawn which is considered to be a withdrawal of penalty- free earnings. In addition, for the first withdrawal of a Contract Year, no Contingent Deferred Sales Charge is applied to such part of the withdrawal which does not exceed the larger of (a) earnings in the Contract or (b) the Free Corridor. The Free Corridor is equal to 10% of the sum of Purchase Payments made more than one year prior to the date of withdrawal are still subject to CDSC, and are not yet withdrawn. The portion of a free withdrawal, which exceeds the sum of earnings attributable to the Owner and premiums which are both no longer subject to CDSC and not yet withdrawn, is assumed to be a withdrawal against future earnings. We reserve the right to allow the Free Corridor to include all Purchase Payments still subject to CDSC which are not yet withdrawn. If this is done, it will apply to all Owners, and Owners will be notified of such change. For the purpose of determining the CDSCWithdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract, ; (2) Purchase Payments which are both no longer subject to CDSC the Withdrawal Charge and are not yet withdrawn, ; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and (34) Purchase Payments subject to CDSCa Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in in-first-out (FIFO) basis. The charge applied to any withdrawal subject to CDSC You will depend on not receive the age benefit of the Purchase Payment to which the withdrawal is attributed. Number of Full Contribution Years Elapsed Contingent Between Contribution Year of a Penalty-Free Withdrawal Deferred and Contribution Year of Purchase Payment Sales Charge ========================================== ============== 0 7% 1 6% 2 5% 3 4% 4 3% 5 2% 6 1% 7+ 0% The CDSC will be assessed against the Variable Accounts and the Fixed Account in the same proportion as the remaining Contract Value is allocated unless the allocation is specified by the Owner. If the remaining Contract Value is insufficient to cover the Contingent Deferred Sales Charge, any remaining balance will be deducted from the dollar amount requested. In addition to a CDSC, a withdrawal from the Fixed Account may also incur a Market Value Adjustment. See ACCUMULATION PROVISIONS - MARKET VALUE ADJUSTMENT for further detailsfull surrender.