Common use of ACCUMULATION UNITS Clause in Contracts

ACCUMULATION UNITS. The Account Value in a Separate Account before the Annuity Commencement Date is represented by accumulation units. The dollar value of accumulation units for each Subaccount will change from day to day reflecting the investment experience of the Subaccount. Purchase Payments allocated to and any amounts transferred to the Subaccounts will be applied to provide accumulation units in those Subaccounts. The number of accumulation units purchased in a Subaccount will be determined by dividing the amount allocated to or transferred to that Subaccount, by the value of an accumulation unit for that Subaccount on the purchase payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts will be determined by dividing the amount withdrawn or transferred by the value of an accumulation unit for that Subaccount on the withdrawal or transfer date. The value of an accumulation unit on any business day is determined by multiplying the value of that unit at the end of the immediately preceding valuation period by the net investment factor for the valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount for the valuation period is determined by dividing (a) by (b) and subtracting (c) from the result, where:

ACCUMULATION UNITS. The Account Value policy value in a Separate Account the separate account before the Annuity Commencement Date annuity commencement date is represented by accumulation units. The dollar value of accumulation units for each Subaccount subaccount will change from business day to business day reflecting the investment experience of the Subaccountsubaccount. Purchase Payments Transfers and premium payments allocated to and any amounts transferred to the Subaccounts subaccounts will be applied to provide accumulation units in those Subaccountssubaccounts. The number of accumulation units purchased in a Subaccount subaccount will be determined by dividing the dollar amount allocated to or transferred to that subaccount, by the value of an accumulation unit for that subaccount on the premium payment or transfer date. Premium payments allocated to and any amounts transferred to the subaccounts will be applied to provide accumulation units in those subaccounts. The number of accumulation units purchased in a subaccount will be determined by dividing the amount allocated to or transferred to that Subaccountsubaccount, by the value of an accumulation unit for that Subaccount subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts subaccounts will be determined by dividing the dollar amount withdrawn or transferred by the value of an accumulation unit for that Subaccount subaccount on the withdrawal or transfer date. The value of an accumulation unit on any business day is determined by multiplying the value of that unit at the end of the immediately preceding valuation period by the net investment factor for the valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount subaccount for the valuation period is determined by dividing (a) by (b) and subtracting (c) from the result, where:

ACCUMULATION UNITS. The Account Value in a the Separate Account before the Annuity Commencement Date is represented by accumulation units. The dollar value of accumulation units for each Subaccount will change from business day to business day reflecting the investment experience of the Subaccount. Purchase Payments Premium payments allocated to and any amounts transferred to the Subaccounts will be applied to provide accumulation units in those Subaccounts. The number of accumulation units purchased in a Subaccount will be determined by dividing the amount allocated to or transferred to that Subaccount, by the value of an accumulation unit for that Subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts will be determined by dividing the amount withdrawn or transferred by the value of an accumulation unit for that Subaccount on the withdrawal Withdrawal or transfer date. The value of an accumulation unit on any business day is determined by multiplying the value of that unit at the end of the immediately preceding valuation period by the net investment factor for the valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount for the valuation period Valuation Period is determined by dividing (a) by (b) and subtracting (c) from the result, where:

ACCUMULATION UNITS. The Account Policy Value in a the Separate Account before the Annuity Commencement Date is represented by accumulation units. The dollar value of accumulation units for each Subaccount will change from business day to business day reflecting the investment experience of the Subaccount. Purchase Premium Payments allocated to and any amounts transferred to the Subaccounts will be applied to provide accumulation units in those Subaccounts. The number of accumulation units purchased in a Subaccount will be determined by dividing the amount allocated to or transferred to that Subaccount, by the value of an accumulation unit for that Subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts will be determined by dividing the amount withdrawn or transferred by the value of an accumulation unit for that Subaccount on the withdrawal Withdrawal or transfer date. The value of an accumulation unit on any business day is determined by multiplying the value of that unit at the end of the immediately preceding valuation period by the net investment factor for the valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount for the valuation period Valuation Period is determined by dividing (a) by (b) and subtracting (c) from the result, where:

ACCUMULATION UNITS. The Account Policy Value in a the Separate Account before the Annuity Commencement Date is represented by accumulation units. The dollar value of accumulation units for each Subaccount will change from business day to business day reflecting the investment experience of the Subaccount. Purchase Premium Payments allocated to and any amounts transferred to the Subaccounts will be applied to provide accumulation units in those Subaccounts. The number of accumulation units purchased in a Subaccount will be determined by dividing the amount allocated to or transferred to that Subaccount, by the value of an accumulation unit for that Subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts will be determined by dividing the amount withdrawn or transferred by the value of an accumulation unit for that Subaccount on the withdrawal Withdrawal or transfer date. The value of an accumulation unit on any business day is determined by multiplying the value of that unit at the end of the immediately preceding valuation period by the net investment factor for the valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount for the valuation period Valuation Period is determined by dividing (a) by (b) and subtracting (c) from the result, where:: AV1397 101 179 1003 Page 7 VB2104 SECTION 6 - CONTINUED

ACCUMULATION UNITS. The Account Policy Value in a the Separate Account before the Annuity Commencement Date is represented by accumulation units. The dollar value of accumulation units for each Subaccount will change from business day to business day reflecting the investment experience of the Subaccount. Purchase Premium Payments allocated to and any amounts transferred to the Subaccounts will be applied to provide accumulation units in those Subaccounts. The number of accumulation units purchased in a Subaccount will be determined by dividing the amount allocated to or transferred to that Subaccount, by the value of an accumulation unit for that Subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts will be determined by dividing the amount withdrawn or transferred by the value of an accumulation unit for that Subaccount on the withdrawal Withdrawal or transfer date. The value of an accumulation unit on any business day is determined by multiplying the value of that unit at the end of the immediately preceding valuation period by the net investment factor for the valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount for the valuation period Valuation Period is determined by dividing (a) by (b) and subtracting (c) from the result, result where:: SECTION 6 - CONTINUED

ACCUMULATION UNITS. The Account Value policy value in a Separate Account the separate account before the Annuity Commencement Date annuity commencement date is represented by accumulation units. The dollar value of accumulation units for each Subaccount subaccount will change from business day to business day reflecting the investment experience of the Subaccountsubaccount. Purchase Payments Premium payments allocated to and any amounts transferred to the Subaccounts subaccounts will be applied to provide accumulation units in those Subaccountssubaccounts. The number of accumulation units purchased in a Subaccount subaccount will be determined by dividing the dollar amount allocated to or transferred to that Subaccountsubaccount, by the value of an accumulation unit for that Subaccount subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts subaccounts will be determined by dividing the dollar amount withdrawn or transferred by the value of an accumulation unit for that Subaccount subaccount on the withdrawal or transfer datedata. The value of an accumulation unit on any business day is determined by multiplying the value of that unit at the end of the immediately preceding valuation period by the net investment factor for the valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount subaccount for the valuation period is determined by dividing (a) by (b) and subtracting (c) from the result, where:

ACCUMULATION UNITS. The Account Value policy value in a Separate Account the separate account before the Annuity Commencement Date annuity commencement date is represented by accumulation units. The dollar value of accumulation units for each Subaccount subaccount will change from business day to business day reflecting the investment experience of the Subaccount. Purchase Payments subaccount Accumulation units shall be used to account for all amounts allocated to or withdrawn from a subaccount of the separate account as a result of premium payments, partial withdrawals, transfers, or fees and any amounts transferred charges. Transfers and premium payments allocated to the Subaccounts subaccounts will be applied to provide accumulation units in those Subaccountssubaccounts. The number of accumulation units purchased in a Subaccount subaccount will be determined by dividing the dollar amount allocated to or transferred to that Subaccountsubaccount, by the value of an accumulation unit for that Subaccount subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts subaccounts will be determined by dividing the dollar amount withdrawn or transferred by the value of an accumulation unit for that Subaccount subaccount on the withdrawal or transfer date. The value of an We set the initial accumulation unit on any business day is value for each subaccount. Subsequent accumulation unit values for each subaccount are determined by multiplying the accumulation unit value of that unit at the end of for the immediately preceding valuation period by the net investment factor of the subaccount for the current valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount subaccount for the valuation period is determined by dividing (a) by (b) and subtracting (c) from the result, where:

ACCUMULATION UNITS. The Account Value policy value in a Separate Account the separate account before the Annuity Commencement Date annuity commencement date is represented by accumulation units. The dollar value of accumulation units for each Subaccount subaccount will change from business day to business day reflecting the investment experience of the Subaccountsubaccount. Purchase Payments Accumulation units shall be used to account for all amounts allocated to or withdrawn from a subaccount of the separate account as a result of premium payments, partial withdrawals, transfers, or fees and any amounts transferred charges. Transfers and premium payments allocated to the Subaccounts subaccounts will be applied to provide accumulation units in those Subaccountssubaccounts. The number of accumulation units purchased in a Subaccount subaccount will be determined by dividing the dollar amount allocated to or transferred to that Subaccountsubaccount, by the value of an accumulation unit for that Subaccount subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts subaccounts will be determined by dividing the dollar amount withdrawn or transferred by the value of an accumulation unit for that Subaccount subaccount on the withdrawal or transfer date. The value of an We set the initial accumulation unit on any business day is value for each subaccount. Subsequent accumulation unit values for each subaccount are determined by multiplying the accumulation unit value of that unit at the end of for the immediately preceding valuation period by the net new investment factor of the subaccount for the current valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount subaccount for the valuation period is determined by dividing (a) by (b) and subtracting (c) from the result, where:

ACCUMULATION UNITS. The Account Policy Value in a the Separate Account before the Annuity Commencement Date is represented by accumulation units. The dollar value of accumulation units for each Subaccount will change from business day to business day reflecting the investment experience of the Subaccount. Purchase Premium Payments allocated to and any amounts transferred to the Subaccounts will be applied to provide accumulation units in those Subaccounts. The number of accumulation units purchased in a Subaccount will be determined by dividing the amount allocated to or transferred to that Subaccount, by the value of an accumulation unit for that Subaccount on the purchase premium payment or transfer date. The number of accumulation units withdrawn or transferred from the Subaccounts will be determined by dividing the amount withdrawn or transferred by the value of an accumulation unit for that Subaccount on the withdrawal Withdrawal or transfer date. The value of an accumulation unit on any business day is determined by multiplying the value of that unit at the end of the immediately preceding valuation period by the net investment factor for the valuation period. The net investment factor used to calculate the value of an accumulation unit in each Subaccount for the valuation period Valuation Period is determined by dividing (a) by (b) and subtracting (c) from the result, result where:: AV1396 101 179 1003 Page 7 VB1545R