Common use of ATTRIBUTABLE PREMIUM Clause in Contracts

ATTRIBUTABLE PREMIUM. For purposes of the Contingent Deferred Sales Charge, the premium attributable to an increase in Face Amount is equal to (1) multiplied by (2 + 3) where: 1) Is the ratio of the increase in Face Amount to the total Face Amount including that increase; 2) Is the Cash Surrender Value on the effective date of the increase; and 3) Is premiums paid during the Increase Year which begins on the effective date of the increase. ============================================================================ 8. LOANS ============================================================================

ATTRIBUTABLE PREMIUM. For purposes of the Contingent Deferred Sales Charge, the premium attributable to an increase in Face Amount is equal to (1) multiplied by (2 + 3) where: : 1) Is the ratio of the increase in Face Amount to the total Face Amount including that increase; ; 2) Is the Cash Surrender Value on the effective date of the increase; and and 3) Is premiums paid during the Increase Year which begins on the effective date of the increase. ============================================================================ W3-VC-VUL-18 page 18 Contract Number: LV1234567 --------------------------------------------------------------------------- 8. LOANS ============================================================================---------------------------------------------------------------------------

ATTRIBUTABLE PREMIUM. For purposes of the Contingent Deferred Sales Charge, the premium attributable to an increase in Face Amount is equal to (1) multiplied by (2 + 3) where: : 1) Is the ratio of the increase in Face Amount to the total Face Amount including that increase; ; 2) Is the Cash Surrender Value on the effective date of the increase; and and 3) Is premiums paid during the Increase Year which begins on the effective date of the increase. ============================================================================ V3-YC-VUL-18 page 18 Contract Number: V1234567 --------------------------------------------------------------------------- 8. LOANS ============================================================================---------------------------------------------------------------------------