Common use of Beneficiary Clause in Contracts

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed by the Participant. While: (a) the Participant is living; and (b) before the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participant, the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS

Beneficiary. The Beneficiary Owner will give Equitable the name of the beneficiary who is as designated to receive any death benefit payable on the Participant Enrollment Form unless later changed by the ParticipantAnnuitant's death. While: (a) the Participant is living; and (b) before the Annuity Date, the Participant The Owner may change the Beneficiary by written notice beneficiary from time to time during the Annuitant's lifetime and while coverage under this Contract is in force. Any such change must be made in writing in a form satisfactory to UsEquitable accepts. The A change will will, upon receipt at the Processing Office, take effect as of the date the written form is executed, whether or not the Owner is living on the date We record the proper notice subject of receipt. Equitable will not be liable as to any payments We have madeit made before it receives any such change. If The Owner may name one or more persons to be primary beneficiary on the Annuitant's death and one or more persons to be successor beneficiary if the primary beneficiary dies before the Annuitant. Unless the Owner directs otherwise, if the Owner has named two or more persons are named: (a) those surviving as beneficiary, the Participant beneficiary will share equally unless be the named person or persons who survive the Annuitant and payments will be made to such persons in equal shares or the survivor. Any part of a death benefit payable as described in Section 6.01 for which there is no named beneficiary living at the Annuitant's death will be payable in a single sum to the Annuitant's children who survive the Annuitant, in equal shares, or should none survive or should there be none, then to the Annuitant's estate. If the Owner so elects in writing, any amount that would otherwise stated; and (b) be payable to a beneficiary in a single sum may be applied to provide an Annuity Benefit, on the Beneficiaries must elect form of annuity elected by the Owner, subject to receive their respective portions Equitable's rules then in effect. If at the Annuitant's death there is no election in effect, the beneficiary may make such an election. In the absence of any election by either the Owner or the beneficiary, Equitable will pay the death benefit according in a single sum. The naming of a beneficiary is subject to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If terms of the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsPlan, if applicable, shall be each other's primary Beneficiaryincluding any terms requiring spousal consent. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participant, the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE PART VII ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSBENEFITS

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The An individual or non-individual entitled to the Death Benefit under this contract. If an Owner dies, any surviving Owner automatically becomes the sole Beneficiary and replaces any primary or contingent Beneficiary you previously named. Business Day Each day on which the New York Stock Exchange is as designated open for trading. Our Business Day closes when regular trading on the Participant Enrollment Form unless later changed by New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time. We process any instructions received after the Participantclose of any Business Day on the next Business Day. While: (a) L40538-NY03 4 Definitions continued from the Participant previous page Buffer A Buffer is living; and (b) before the Annuity maximum negative Index Return that we will absorb. On the Issue Date, we declare a Buffer for each Index Option, and the Participant may change the Beneficiary by written notice in a form satisfactory to UsBuffers will not change. The change will take effect Buffers are shown on the date We record Allocation Options Contract Schedule. Cap A Cap is the proper notice subject to any payments We have mademaximum positive Performance Credit for an Index Option. If two or more persons are named: (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOn each Term Start Date, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participantswe declare a Cap, if applicable, shall for each Index Option or that an Index Performance Strategy Index Option with a Term longer than one Index Year is uncapped and guarantee them for the Term. If we declare that an Index Option does not have a cap, there is no limit on the positive Performance Credit on the Term End Date. Caps are shown on your Index Options statement each year and will never be each other's primary Beneficiaryless than the Minimum Cap shown on the Allocation Options Contract Schedule. Joint Annuitants• Contract Anniversary A twelve-month anniversary of the Issue Date or any subsequent twelve-month Contract Anniversary. Contract Value The Variable Account Value plus the Index Option Value(s). The Index Option Value(s) is the value(s) in a selected Index Option. Contract Year A period of 12 months. The first Contract Year begins on the Issue Date. Subsequent Contract Years begin on the Contract Anniversaries. Determining Life (Lives) The person(s) on whose life (lives) we base the Death Benefit. We determine the Determining Life (Lives) on the Issue Date. After we issue this contract, if anyyou cannot add, when remove or replace a Determining Life. • If this contract is solely owned, the Participant Determining Life is the Owner. • If this contract is owned by a non-natural personindividual, shall be each other's primary Beneficiarythe Determining Life is the Annuitant. Any other Beneficiary designated on • If this contract is jointly owned, the Participant Enrollment Form will be treated Determining Lives are the joint Owners. If you remove a person as a contingent BeneficiaryJoint Owner due to divorce, that person no longer qualifies as a Determining Life and we remove him or her as such from this contract. If For jointly owned non-qualified contracts, if you establish a trust and change ownership to the Participant trust, the prior Owner who is also not the Annuitant no longer qualifies as a Determining Life and there are no surviving Beneficiaries at the death we remove him or her as such from this contract. Index Anniversary A twelve-month anniversary of the Participant, Index Effective Date or any subsequent twelve-month Index Anniversary. Index Availability Period The period of time between the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATEIssue Date and when we can make an Index Option temporarily unavailable. ANNUITY PROVISIONS ANNUITY DATE Index Effective Date The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after first Index Year. The Index Effective Date is shown on your Index Options statement. Index Option Base The value used to determine the Certificate Date, but not beyond the later dollar amount of the Participant's 90th birthday or ten years after Performance Credit. We establish an Index Option Base for each Index Option. L40538-NY03 5 Definitions continued from the Certificate previous page Index Option Value The value in a selected Index Option at the end of the Business Day. We establish an Index Option Value for each Index Option shown on the Allocation Options Contract Schedule. Index Options The Index Options available to you are shown on the Allocation Options Contract Schedule. Index Value The value of an Index at the end of the Business Day. Index Values are shown on your Index Options statement. Index Year A period of 12 months. The first Index Year begins on the Index Effective Date. If Subsequent Index Years begin on the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSIndex Anniversaries.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at upon Our receipt of all Required Documentation, We will calculate the death of the Participant, the death benefit Death Benefit and it will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication form. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the ParticipantOwner's [90th birthday or ten years after the Certificate Contract Date] ("Latest Annuity Date"). If the Participant Owner is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's [90th birthday or ten years after the Certificate Contract Date]. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary An individual or non-individual entitled to the Death Benefit under this contract. Business Day Each day on which the New York Stock Exchange is as designated open for trading. Our Business Day ends when regular trading on the Participant Enrollment Form New York Stock Exchange ends, which is usually at 4:00 p.m. Eastern Time. We process any instructions received at or after the end of any Business Day on the next Business Day. If any calculations or Contract Charges fall on a day that is not a Business Day, they will be processed on the next Business Day, unless later changed by otherwise specified. Buffer A Buffer is the Participantmaximum negative Index Return that we will absorb. While: (a) On the Participant is living; and (b) before the Annuity Issue Date, we declare a Buffer for each Index Option, and the Participant may change the Beneficiary by written notice in a form satisfactory to UsBuffers will not change. The change will take effect Buffers are shown on the date We record Allocation Options Contract Schedule. L40538-01-NY Definitions continued from the proper notice subject to any payments We have madeprevious page Cap A Cap is the maximum positive Performance Credit for an Index Performance Strategy Index Option. If two or more persons are named: (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOn each Term Start Date, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participantswe declare a Cap, if applicable, shall or that an Index Option is uncapped, and we guarantee it for the Term. If we declare that an Index Option is uncapped, there is no maximum positive Performance Credit for an Index Option on the Term End Date. Caps are shown on your Index Options statement and will never be each other's primary Beneficiaryless than the Minimum Cap shown on the Allocation Options Contract Schedule. Joint AnnuitantsCash Value The Cash Value is equal to the Contract Value minus any Withdrawal Charges and any final Contract Charges. Contract Anniversary A twelve-month anniversary of the Issue Date or any subsequent twelve-month Contract Anniversary. Contract Value The Variable Account Value plus the Index Option Value(s). The Index Option Value is the value in a selected Index Option. Contract Year A period of 12 months. The first Contract Year begins on the Issue Date. Subsequent Contract Years begin on the Contract Anniversaries. Determining Life (Lives) The person(s) on whose life (lives) we base the Death Benefit. We determine the Determining Life (Lives) on the Issue Date. On the Issue Date: • If this contract is solely owned, if any, when the Participant Determining Life is the Owner. • If this contract is owned by a non-natural personindividual, shall be each other's primary Beneficiarythe Determining Life is the Annuitant. Any other Beneficiary designated on • If this contract is jointly owned, the Participant Enrollment Form Determining Lives are the Joint Owners. After the Issue Date, if a Determining Life (Lives) is no longer a Spouse of the Owner or Joint Owner, we will be treated remove that person from this contract. If you add or change a Joint Owner, that person will become a Determining Life. For jointly owned non-qualified contracts, if you establish a trust and change ownership to the trust, the prior Joint Owner who is not the Annuitant no longer qualifies as a contingent BeneficiaryDetermining Life and we remove that person as such from this contract. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death Index Anniversary A twelve-month anniversary of the Participant, Index Effective Date or any subsequent twelve-month Index Anniversary. Index Availability Period The period of time between the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATEIssue Date and when we can make certain Index Options temporarily unavailable. ANNUITY PROVISIONS ANNUITY DATE Index Effective Date The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month first Index Year. The Index Effective Date is shown on your Index Options statement. The Index Effective Date can be any Business Day from the Issue Date up to and must including the first Quarterly Contract Anniversary. However, it cannot be at least two years after the Certificate Date29th, but not beyond the later 30th, or 31st of the Participant's 90th birthday or ten years after the Certificate Datea month. If the Participant Index Effective Date would occur on the 29th, 30th, or 31st of a month, or on a day that is not a non-natural personBusiness Day, we change the latest Annuity Index Effective Date is to be the later next available Business Day. Index Option Base The value used to determine the dollar amount of the Annuitant's 90th birthday or ten years after Performance Credit. We establish an Index Option Base for each Index Option. Index Option Value The value in a selected Index Option at the Certificate end of the Business Day. We establish an Index Option Value for each Index Option shown on the Allocation Options Contract Schedule. Index Options The Index Options available to you are shown on the Allocation Options Contract Schedule. L40538-01-NY Definitions continued from the previous page Index Value The value of an Index at the end of the Business Day. Index Year A period of 12 months. The first Index Year begins on the Index Effective Date. If no Annuity Date is selected, Subsequent Index Years begin on the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSIndex Anniversaries.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: While (a) the Participant Owner is living; and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice subject of change was signed. Such change, however, will not apply to any payments We have madepayment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named: , (a) those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at the death of the ParticipantOwner, the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin) ). The date provided by the Owner to Us at the time of applicationapplication is shown on the Data Page as the Specified Annuity Date. The Participant Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the Participant's 90th Owner’s 95th birthday or ten years after the Certificate Contract Date. If the Participant Owner is a non-natural person, the latest Annuity Date annuity date is the later of the Annuitant's 90th ’s 95th birthday or ten years after the Certificate Contract Date. If no Annuity Date is selectedspecified, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments action We have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation we will calculate the death of the Participantbenefit, and we will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSBETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. AS-993 (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven [thirty (30)] days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven [thirty (30)] days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed by the Participant. While: (a) the Participant is living; and (b) before the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATEdeath benefit options. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participant, the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSPAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Certificate less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable

Beneficiary. The Beneficiary designation in effect on the Contract Date will remain in effect until changed. The Beneficiary is as designated on entitled to receive the Participant Enrollment Form benefits to be paid at the death of the last to die of the Owner or Joint Owner (or the first to die of the Owner or Joint Owner if the Owner and Joint Owner are not spouses at the time of the Owner's or Joint Owner's death) during the Accumulation Period. The Owner must be the primary Beneficiary of the Joint Owner, and the Joint Owner must be the primary Beneficiary of the Owner. Other than primary Beneficiaries, Beneficiaries must be the same for both the Owner and Joint Owner. When a Beneficiary is designated, any relationship shown is to the Owner unless later changed by otherwise specified. To show priority among Beneficiaries, we will label the Participant. While: (a) classes, so that the Participant class with first priority is living; and (b) before called the Annuity Dateprimary class, the Participant may class with next priority is called the secondary class, and so on. The following statements apply to Beneficiaries unless the Contract Data pages, Contract endorsement or any change request that we have processed specifies otherwise: One who survives the Beneficiary by written notice last to die of the Owner and Joint Owner will have the right to be paid only if no one in a form satisfactory prior class survives the last to Usdie of the Owner and Joint Owner. One who has the right to be paid will be the only one paid if no one else in the same class survives the last to die of the Owner and Joint Owner. Two or more in the same class who have the right to be paid will be paid in equal shares. If no one survives the sole Owner, we will pay in one sum to the Owner's estate. When there is insufficient evidence to determine the order of death then, unless state law prohibits, we will deem the Owner to be the last survivor and make payment to the Owner's Beneficiary. Before we make a payment, we have the right to decide what proof we need of the identity, age or any other facts about any persons designated as Beneficiaries. If Beneficiaries are not designated by name and we make payment(s) based on that proof, we will not have to make the payment(s) again. CHANGE OF BENEFICIARY: To initiate a change of Beneficiary, call the toll-free number listed on your statement or contact the representative who sold you the Contract. We may also ask you to send us the Contract. The change will take effect only when we process the request. Then, any previous Beneficiary's interest will end as of the date we receive the request in Good Order, even if the Owner or Joint Owner is not living when we process the request. We will not be liable for any payment made or action taken before we record the change. SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT We reserve the right to suspend or postpone payments from the Separate Account for a withdrawal or transfer for any period when: the New York Stock Exchange is closed (other than customary weekend and holiday closings); trading on the date We record New York Stock Exchange is restricted; an emergency exists as a result of which disposal of shares of the proper notice subject Investment Options held in the Separate Account is not reasonably practicable or it is not reasonably practicable to determine the value of such shares; or during any payments We have made. If two or more persons are named: other period when the Securities and Exchange Commission, by order, so permits for the protection of Owners; provided that applicable rules and regulations of the Securities and Exchange Commission will govern as to whether the conditions described in (a2) those surviving the Participant will share equally unless otherwise stated; and (b3) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participant, the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSexist.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at upon Our receipt of all Required Documentation we will calculate the death of the Participant, the death benefit Death Benefit and it will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the ParticipantOwner's [90th birthday or ten years after the Certificate Contract Date] ("Latest Annuity Date"). If the Participant Owner is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's [90th birthday or ten years after the Certificate Contract Date]). If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: While (a) the Participant Owner is living; and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice subject of change was signed. Such change, however, will not apply to any payments We have madepayment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named: , (a) those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form Application will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at the death of the ParticipantOwner, the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin) ). The date provided by the Owner to Us at the time of applicationapplication is shown on the Contract Data Page as the Specified Annuity Date. The Participant Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the Participant's Owner’s 90th birthday or ten years after the Certificate Contract Date. If the Participant Owner is a non-natural person, the latest Annuity Date is the later of the Annuitant's ’s 90th birthday or ten years after the Certificate Contract Date. If no Annuity Date is selectedspecified, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date with no surviving Beneficiaries at the death Beneficiaries, then upon Our receipt of the Participant, all Required Documentation We will calculate the death benefit and we will be paid pay the death benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years one year after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty Latest FS-975 (307/04) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS14

Beneficiary. The Your Beneficiary is as designated on the Participant Enrollment Form unless later changed by the Participant. While: (a) the Participant is living; and (b) before person you name who may receive any death benefit proceeds, or any remaining annuity payments after the Annuity Date, under your Contract if the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeAnnuitant or Owner dies. If two or more persons are named: (a) those you leave no surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to Beneficiary, your estate may receive their respective portions of the death benefit according to the options listed proceeds under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATEyour Contract. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Beneficiary is a non-natural persontrustee, shall we will neither be each otherresponsible for verifying a trustee's primary Beneficiary. Any other Beneficiary designated on right to receive any death benefit proceeds payable, nor for how the Participant Enrollment Form will be treated as a contingent Beneficiarytrustee disposes of any death benefit proceeds. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death before payment of the Participant, the any death benefit proceeds, we receive proper notice that the trust has been revoked or is not in effect, then any death benefit proceeds payable will be paid to the estate Owner's estate. ADDING OR CHANGING YOUR BENEFICIARY - You may add, change, or remove any Beneficiary, other than an irrevocable Beneficiary, subject to the terms of any assignment, at any time prior to the death of the Participant Annuitant or Owner, as applicable, by sending us a request in accordance with option 1proper form. However, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATEif you have named an irrevocable Beneficiary, you may not add any new Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. You may remove any non-irrevocable Beneficiary without obtaining the consent of the irrevocable Beneficiary. Qualified Contracts may have additional restrictions on naming and changing Beneficiaries. Any change or addition will take effect only when we receive all necessary documents and record the change or addition. ANNUITY PROVISIONS BENEFITS CHOICE OF ANNUITY DATE The Participant selects - Your Annuity Date is shown in the Contract Specifications. If you did not select an Annuity Date in your application for this Contract, we assigned an Annuity Date based on the type of this Contract and the Annuitant's Age (the date on which annuity payments are to begin) at the time of applicationsee DEFAULT ANNUITY DATE AND OPTIONS). The Participant You may change your Annuity Date by providing proper notice to us at least ten (10) Business Days prior to your current Annuity Date or new Annuity Date, whichever is earlier. Your Annuity Date may not be earlier than your first Contract Anniversary and must occur on or before the day the younger Annuxxxxx xxxches his or her 95th birthday, or earlier as required by state law. For certain trusts, the Annuity Date at any timemust occur before the Annuitant's 100th birthday. To meet minimum distribution requirements under the Code, at least seven days prior your Annuity Date for a Qualified Contract may need to occur on or before April 1 of the calendar year following the year in which your Annuitant (who is the Qualified Plan participant) reaches his or her 70-1/2 birthday. You may be subject to additional restrictions under your Qualified Plan. You should consult with your Qualified Plan administrator before you elect your Annuity Date. APPLICATION OF CONTRACT VALUE - Prior to the Annuity Date, by written notice you may elect to the Company at its convert all or part of your Net Contract Value, less any applicable charge for premium taxes and/or other taxes, to any currently offered Annuity Service CenterOption. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is You may also elect a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty full withdrawal (30) days before the due date of the first annuity payment. Any such request is subject to the rights terms of the withdrawal provisions) in lieu of annuity payments under an Annuity Option. Before we make any assigneefull withdrawal, we require return of this Contract (or a signed Lost Contract Affidavit) to us. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSThe aggregate net amount you convert must be

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-993 (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments action We have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will calculate the death of the Participant, the death benefit Death Benefit and it will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (the date on which the annuity payments are to begin) at the time of application. The Participant Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Date, Contract Date but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request signed by You filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts. FIXED ANNUITIZATION If a Fixed Annuitization has been elected, the Contract Value less any applicable premium taxes shall be applied to the payment of the fixed annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables in the Contract. In no event will the Fixed Annuitization be changed once it begins. AMOUNT OF FIXED ANNUITY PAYMENTSPAYMENTS The amount of each fixed annuity payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuitization, less any applicable premium taxes, to the annuity table applicable to the fixed annuity payment option chosen.

Beneficiary. The If there is no surviving Joint Certificate Owner, or if the Annuitant is someone other than a Certificate Owner, the Beneficiary is as designated on the Participant Enrollment Form unless later changed by person who will receive benefits under the ParticipantCertificate Agreement if the Annuitant dies prior to the Annuitization Date. While: (a) If a Certificate Owner who is also the Participant is living; and (b) Annuitant dies before the Annuity DateAnnuitization Date and there is a surviving Joint Certificate Owner, all benefits under the Participant may change Certificate Agreement are payable to the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madesurviving Joint Certificate Owner. If two or more persons are named: (a) those surviving than one Beneficiary survives the Participant Annuitant, each will share equally unless otherwise stated; specified in the beneficiary designation. If there is no surviving Joint Certificate Owner and (b) no Beneficiary survives the Beneficiaries must elect to receive their respective portions Annuitant, all rights and interest of such parties will vest in the Contingent Beneficiary, and if more than one Contingent Beneficiary survives, each will share equally unless otherwise specified in the Contingent Beneficiary designation. If no Contingent Beneficiary survives the Annuitant, all rights and interest of the death benefit according Certificate Agreement will vest with the last surviving Certificate Owner's estate. CHANGES OF PARTIES NAMED IN THE CERTIFICATE AGREEMENT Notwithstanding any other provisions in the Certificate Agreement, prior to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantAnnuitization Date, and there are no surviving Beneficiariessubject to any existing assignments, the Annuitant will be deemed Certificate Owner may request a change in the Certificate Owner, Contingent Certificate Owner, Joint Certificate Owner, Annuitant, Contingent Annuitant, Beneficiary, or Contingent Beneficiary. Joint ParticipantsSuch change, if applicableupon receipt and recording by the Company at its Home Office, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated take effect as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participanttime the written notice was signed, whether or not the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments Certificate Owner or Annuitant are to begin) living at the time of application. The Participant may change the Annuity Date at record, but without further liability as to any time, at least seven days prior to the Annuity Date, payment or settlement made by written notice to the Company before receipt of such change is recorded at its Annuity Service Centerthe Home Office. The Annuity Date Any request for change of Certificate Owner must always be recorded at the first day of the calendar month Home Office, may require a signature guarantee, and must be at least two years after signed by the Certificate Date, but not beyond Owner and the later of person designated as the Participant's 90th birthday or ten years after the new Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSOwner.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments action We have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation we will calculate the death of the Participantbenefit, and we will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-973 (6/07) 13 ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSBETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments We action we have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation We will pay the death of the Participantbenefit, and We will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You specify an anticipated Annuity Date (on the date Application as shown on which annuity payments are to begin) at the time of applicationContract Data Page. The Participant You may change the Annuity Date at any time, time at least seven days prior before to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation we will calculate the death of the Participantbenefit, and we will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSBETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-993-PPIII (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice Written notice. A change in a form satisfactory to Us. The change Beneficiary will take effect on the date We record receive the proper notice subject to any payments We have madeWritten notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit Death Benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. Joint Owners, if applicable, shall be each other’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be each other’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a trust or other non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service CenterWritten notice. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Data Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: While (a) the Participant Owner is living; and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: , (a) those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Application Form will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at the death of the ParticipantOwner, the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant Owner selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the ParticipantOwner's 90th birthday or ten years after the Certificate Contract Date. If the Participant Owner is a non-natural person, the latest Annuity Date annuity date is the later of the Annuitant's 90th birthday or ten years after the Certificate Contract Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSPAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables in the Contract. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Contract Value allocated to Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-993-PPS4 (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary beneficiary is as designated named by you in the application to receive the death benefit proceeds. The interest of any beneficiary will be subject to any assignment. You may make a change of beneficiary by Written Request on a form provided by us while the Participant Enrollment Form unless later changed by the Participant. While: (a) the Participant Insured is living; and (b) before the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on place as of the date We record the proper notice request is signed. Any rights created by the change will be subject to any payments We have mademade or actions taken by us before the Written Request is received. You may designate a permanent beneficiary whose rights under the policy cannot be changed without his or her consent. The interest of a beneficiary who does not survive to receive payment will pass to the surviving beneficiaries in proportion to their share in the proceeds, unless otherwise provided. If two or more persons are named: (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect no beneficiaries survive to receive their respective portions of payment, the death benefit according proceeds will pass to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATEOwner, or the Owner's estate if the Owner does not survive to receive payment. If PREMIUMS PREMIUMS - This policy will not be in force until the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiaryinitial premium is paid. Joint Participants, if applicable, shall be each other's primary BeneficiaryThe initial premium is payable either at our Home Office or to our agent. Joint AnnuitantsAdditional premiums, if any, when are payable at our Home Office. At your request, a premium receipt signed by one of our officers will be given to you. No premium may be less than $50. Premiums may be paid at any time before the Participant Insured attains Age 100, subject to the premium limitations below. [INSERT FOR RETURN OF PREMIUM STATES ONLY: PREMIUM ALLOCATION, BEFORE THE FREE LOOK TRANSFER DATE - Any Net Premium received before the Free Look Transfer Date will be allocated to the Money Market Variable Account on the issue date or, if later, the date the premium is a non-natural personreceived and accepted by us. On the Free Look Transfer Date, shall the Accumulated Value in the Money Market Variable Account will be each other's primary Beneficiaryallocated to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any. PREMIUM ALLOCATION, ON OR AFTER THE FREE LOOK TRANSFER DATE - Any Net Premium received by us on or after the Free Look Transfer Date will be allocated to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any.] [INSERT FOR CASH VALUE STATES ONLY: PREMIUM ALLOCATION - Allocation of the initial Net Premium will be done on the issue date or, if later, the date the premium is received and accepted by us. Any other Beneficiary designated on Net Premiums received before your policy has been placed in force, due to the Participant Enrollment Form presence of outstanding requirements, will be allocated to the Money Market Variable Account until the requirements are satisfied. At such time, the Accumulated Value in the Money Market Variable Account will be transferred to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any. Net Premiums received after your policy has been placed in force will be allocated to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any.] Upon Written Request, you may change the premium allocation. Subsequently, Net Premiums will be allocated to the Investment Options according to your most recent instructions. PREMIUM LIMITATION - We reserve the right to require evidence of insurability, satisfactory to us, for any premium payment that would result in an immediate increase in the difference between the death benefit and the Accumulated Value. GUIDELINE PREMIUM LIMITATION - This subsection applies only if you have elected the Guideline Premium Test as the Death Benefit Qualification Test. In order for this policy to be treated as a contingent Beneficiary. If life insurance under the Participant is also Code, the Annuitant and there are no surviving Beneficiaries at the death sum of the Participantpremiums paid less a portion of any withdrawals, as defined in the Code, may not exceed the greater of: . The Guideline Single Premium; or . The sum of the Guideline Level Premiums to the date of payment. The amounts of the Guideline Premiums are shown on the Policy Specification pages. The Guideline Premiums will change whenever there is a change in the Face Amount of insurance or in other policy benefits. Such Guideline Premium change will be shown in the supplemental schedule of benefits and premiums. The Guideline Premiums are determined according to the rules applicable to this policy set forth in the Code. The Guideline Premiums will be adjusted to conform to any changes in the Code. In the event that a premium payment would exceed these limits, we reserve the right to refund the excess payment to the Owner. Further, we reserve the right to make distributions from the policy to the extent we deem it necessary to continue to qualify this policy as life insurance under the Code. MODIFIED ENDOWMENT CONTRACT (MEC) PREMIUN LIMITATION - In order for this policy to avoid being treated as a MEC, the death benefit will sum of premiums paid less a portion of any withdrawals may not exceed the 7-Pay limit as defined in the Code. In the event that a premium payment would exceed the 7-Pay limit, we reserve the right to refund the excess payment to you, unless you have previously notified us in writing that such payments may be paid accepted by us and applied to the estate of the Participant in accordance with option 1, under policy. DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSBENEFIT

Beneficiary. The Beneficiary is as person(s) designated on the Participant Enrollment Form unless later changed by the Participant. While: (a) the Participant is living; and (b) before the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions benefits in the case of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is of a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participant, the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days Certificate Owner prior to the Annuity Commencement Date, by written notice . The Beneficiary may sometimes be referred to as the “Designated Beneficiary” when Riders and Endorsements are attached to the Company at its Annuity Service CenterCertificate. Business Day - Any day the New York Stock Exchange (“NYSE”) is open for trading, exclusive of federal holidays, or any day on which the Securities and Exchange Commission (“SEC”) requires that mutual funds, unit investment trusts or other investment portfolios be valued. Cash Surrender Value - The Annuity Date must always be amount the first day Certificate Owner receives upon full surrender of the calendar month Certificate. Certificate - A summary of the benefits and must be at least two years after provisions provided under this Contract issued to the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Owner. Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after Anniversary - The same date each year as the Certificate Date. If no Annuity Date is selectedsuch date exists, the Annuity Certificate Anniversary will be the next calendar day. Certificate Date - The date we receive and accept the Initial Premium Payment and upon which we begin determining the Certificate values. It may not be the same date as the Certificate Issue Date. Certificate Issue Date - The date the Certificate is issued at our Customer Service Center as shown in the Certificate. Certificate Owner - The person who owns the Certificate and is entitled to exercise all rights of the Certificate. The Certificate Owner may sometimes be referred to as the “Certificateowner” in the Riders and Endorsements attached to the Certificate. Certificate Processing Date - The day when we deduct certain charges from the Accumulation Value. The Certificate Processing Date will be on the latest Annuity Certificate Anniversary of each year. If the Certificate Anniversary is not a Valuation Date, as set the Certificate Processing Date will be on the next succeeding Valuation Date. IU-MA-3040 3 Important Terms (continued) Certificate Year - The period between Certificate Anniversaries. Charge Deduction Division - The Division designated by us from which all charges are deducted if the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSCertificate Owner elects this option.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments We action we have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Table of Contents Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation We will pay the death of the Participantbenefit, and We will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You specify an anticipated Annuity Date (on the date Application as shown on which annuity payments are to begin) at the time of applicationContract Data Page. The Participant You may change the Annuity Date at any time, time at least seven days prior before to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary beneficiary is as designated named by you in the application to receive the death benefit proceeds. The interest of any beneficiary will be subject to any assignment. You may make a change of beneficiary by Written Request on a form provided by us while the Participant Enrollment Form unless later changed by the Participant. While: (a) the Participant Insured is living; and (b) before the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on place as of the date We record the proper notice request is signed. Any rights created by the change will be subject to any payments We have mademade or actions taken by us before the Written Request is received. You may designate a permanent beneficiary whose rights under the policy cannot be changed without his or her consent. The interest of a beneficiary who does not survive to receive payment will pass to the surviving beneficiaries in proportion to their share in the proceeds, unless otherwise provided. If two or more persons are named: (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect no beneficiaries survive to receive their respective portions of payment, the death benefit according proceeds will pass to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATEOwner, or the Owner's estate if the Owner does not survive to receive payment. If PREMIUMS Premiums - This policy will not be in force until the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiaryinitial premium is paid. Joint Participants, if applicable, shall be each other's primary BeneficiaryThe initial premium is payable either at our Home Office or to our agent. Joint AnnuitantsAdditional premiums, if any, when are payable at our Home Office. At your request, a premium receipt signed by one of our officers will be given to you. No premium may be less than $50. Premiums may be paid at any time before the Participant is a non-natural personInsured attains Age 100, shall subject to the premium limitations below. Premium Allocation, Before the Free Look Transfer Date - Any Net Premium received before the Free Look Transfer Date will be each other's primary Beneficiary. Any other Beneficiary designated allocated to the Money Market Variable Account on the Participant Enrollment Form issue date or, if later, the date the premium is received and accepted by us. On the Free Look Transfer Date, the Accumulated Value in the Money Market Variable Account will be treated as a contingent Beneficiaryallocated to the Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any. If Premium Allocation, On or After the Participant is also Free Look Transfer Date - Any Net Premium received by us on or after the Annuitant and there are no surviving Beneficiaries at Free Look Transfer Date will be allocated to the death Investment Options according to the premium allocation specified in the application or your most recent instructions received by us, if any. Upon Written Request, you may change the premium allocation. Subsequently, Net Premiums will be allocated to the Investment Options according to your most recent instructions. Premium Limitation - We reserve the right to require evidence of insurability, satisfactory to us, for any premium payment that would result in an immediate increase in the Participant, difference between the death benefit will be paid to and the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSAccumulated Value.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments We action we have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation We will pay the death of the Participantbenefit, and We will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. 14 FS-982 (6/07) ANNUITY PROVISIONS ANNUITY DATE The Participant selects You specify an anticipated Annuity Date (on the date Application as shown on which annuity payments are to begin) at the time of applicationContract Data Page. The Participant You may change the Annuity Date at any time, time at least seven days prior before to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. BETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each fixed annuity payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuitization, less any applicable premium taxes, to the annuity table applicable to the fixed annuity payment option chosen. In no event will the Fixed Annuitization be changed once it begins. AMOUNT OF VARIABLE ANNUITY PAYMENTS

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: While (a) the Participant Owner is living; and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice subject of change was signed. Such change, however, will not apply to any payments We have madepayment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named: , (a) those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form Application will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at the death of the ParticipantOwner, the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin) ). The date provided by the Owner to Us at the time of applicationapplication is shown on the Contract Data Page as the Specified Annuity Date. The Participant Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the ParticipantOwner's 90th birthday or ten years after the Certificate Contract Date. If the Participant Owner is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Contract Date. If no Annuity Date is selectedspecified, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates as specified under the BASIS OF COMPUTATION FOR FIXED ANNUITY PAYMENTS. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. BASIS OF COMPUTATION FOR FIXED ANNUITY PAYMENTS The actuarial basis for the Table of Annuity Rates is the 1983a Individual Annuity Mortality Table with projection and a guaranteed interest rate of 3%. The mortality table is projected using Projection Scale G factors. The Fixed Annuity Payment Options Table does not include any applicable premium tax.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: While (a) the Participant Owner is living; and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: , (a) those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective 18 portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at the death of the ParticipantOwner, the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant Owner selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the ParticipantOwner's 90th birthday or ten years after the Certificate Contract Date. If the Participant Owner is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Contract Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Contract Value allocated to Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. AMOUNT OF VARIABLE ANNUITY PAYMENTS

Beneficiary. The Designated Beneficiary is as designated on the Participant Enrollment Form unless later will remain in effect until changed by the ParticipantContract Owner. While: (a) Changes in the Participant is living; and (b) before Designated Beneficiary may be made during the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions lifetime of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participant, the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate DateCompany. If the Designated Beneficiary has been designated irrevocably, however, such designation cannot be changed or revoked without such Beneficiary's written consent. Upon receipt of such notice and written consent, if required, at the offices of the Company, the new designation will take effect as of the date of the notice is signed, whether or not the Annuitant or Participant is alive at the time of receipt of such notice. The change will be subject to any payments made or other action taken by the Company before the receipt of the notice. In the event of the death of the Annuitant when there is no surviving Contingent Annuitant the Beneficiary will be as follows. If the Annuitant is a non-natural personjoint Contract Owner and the death of the Annuitant occurs prior to the Annuity Commencement Date, the latest Annuity Date Beneficiary shall be the surviving Contract Owner, notwithstanding that the Designated Beneficiary may be different. Otherwise, the Beneficiary will be the Designated Beneficiary then in effect. If there is no Designated Beneficiary in effect or if the Designated Beneficiary is no longer living, the Contract Owner will be the Beneficiary. If the Annuitant is the later of sole Contract Owner and there is no Designated Beneficiary in effect, the Annuitant's 90th birthday or ten years after estate will be the Certificate Beneficiary. In the event of the death of the Contract owner prior to the Annuity Commencement Date, the Beneficiary will be as follows. Upon the death of the joint Contract Owner, the Beneficiary will be the surviving joint Contract Owner, not withstanding that the Designated Beneficiary may be different. If the Contract Owner was the sole Contract Owner, the Beneficiary shall be the Designated Beneficiary then in effect. If no Annuity Date Beneficiary designation is selectedin effect or if the Designated Beneficiary has predeceased the Contract Owner, the Annuity Date Contract Owner's estate will be the latest Beneficiary. At the first death of a joint Contract Owner prior to the Annuity Commencement Date, as set the Beneficiary shall be the surviving Contract Owner not withstanding that the Designated Beneficiary may be different. Form HL-12150 Printed in U.S.A. GENERAL PROVISIONS THE CONTRACT This contract constitutes the entire contract. MINIMUM VALUE STATEMENT Any values available under the Termination or Surrender Provisions of this contract equal or exceed those required by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want state in which the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request contract is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSdelivered.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will calculate the death of the Participant, the death benefit Death Benefit and it will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (the date on which the annuity payments are to begin) at the time of application. The Participant Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate DateContract Date or less as required in your state, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. FS-993-PPS9 (12/10) Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the Participant. While: (a) While the Participant is living; living and (b) before the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Certificate, those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at upon Our receipt of all Required Documentation, We will calculate the death of the Participant, the death benefit Death Benefit and it will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationEnrollment Form. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's [90th birthday or ten years after the Certificate Date] ("Latest Annuity Date"). If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's [90th birthday or ten years after the Certificate Date]. If no Annuity Date is selectedspecified on the Enrollment Form, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. FS-993-PPS7 (12/10) 15 If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: While (a) the Participant Owner is living; and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice subject of change was signed. Such change, however, will not apply to any payments We have madepayment or action taken by Us before the notice was received at Our Annuity Service Center. If two or more persons are named: , (a) those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at the upon death of the ParticipantOwner, the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, 1 under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin) ). The date provided by the Owner to Us at the time of applicationapplication is shown on the Contract Data Page as the Specified Annuity Date. The Participant Owner may change the Specified Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the ParticipantOwner's 90th 95th birthday or ten years after the Certificate Contract Date. If the Participant Owner is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th 95th birthday or ten years after the Certificate Contract Date. If no Annuity Date is selectedspecified, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables in the Contract. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Contract Value allocated to Fixed Account Options less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. AMOUNT OF VARIABLE ANNUITY PAYMENTS

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments action We have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; stated and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation We will pay the death of the Participantbenefit, and We will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You specify an anticipated Annuity Date (on the date Application as shown on which annuity payments are to begin) at the time of applicationContract Data Page. The Participant You may change the Annuity Date at any time, time at least seven days prior before to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-993 (12/10) ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments action We have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation we will calculate the death of the Participantbenefit, and we will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-973-1 (6/07) 13 ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSBETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; stated and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at upon Our receipt of all Required Documentation We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, 1 under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You specify an anticipated Annuity Date (on the date Application as shown on which annuity payments are to begin) at the time of applicationContract Data Page. The Participant You may change the Annuity Date at any time, time at least seven days prior to before the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. AS-981 (5/06) AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each fixed annuity payment will be determined by applying the portion of the Contract Value allocated by You for Fixed Annuitization, less any applicable premium taxes, to the annuity table applicable to the fixed annuity payment option chosen. In no event will the Fixed Annuitization be changed once it begins. AMOUNT OF VARIABLE ANNUITY PAYMENTS

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: While (a) the Participant Owner is living; and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: , (a) those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at the death of the ParticipantOwner, the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant Owner selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the ParticipantOwner's 90th birthday or ten years after the Certificate Contract Date. If the Participant Owner is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Contract Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice notice. A change in a form satisfactory to Us. The change Beneficiary will take effect on the date We record receive the proper notice subject written notice, in a form satisfactory to any payments We have madeUs, at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit FS-998 (6/11) 15 according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments action We have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation we will calculate the death of the Participantbenefit, and we will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-973-2 (6/07) 13 ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT OWNER Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. All payments will comply with the laws of the State of New York. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSBETTERMENT OF RATES The amount of the Owner's monthly payment will be at least equal to the monthly payment produced by the application of an amount equal to the Contract Value of this Contract to purchase any single consideration immediate annuity contract offered by the Company at the same time to the same class of annuitants. We are not currently offering any single premium immediate annuity contracts.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice Written Notice. A change in a form satisfactory to Us. The change Beneficiary will take effect on the date We record receive the proper notice subject to any payments We have madeWritten Notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit Death Benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. Joint Owners, if applicable, shall be each other’s primary Beneficiary. Joint Annuitants, if any, when the Owner is a non-natural person, shall be US-803 (12/15) 14 Table of Contents each other’s primary Beneficiary. Any other Beneficiary designation will be treated as a contingent Beneficiary. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a trust or other non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service CenterWritten Notice. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at upon Our receipt of all Required Documentation We will calculate the death of the Participant, the death benefit Death Benefit and it will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the ParticipantOwner's 90th [95th birthday or ten years after the Certificate Contract Date] ("Latest Annuity Date"). If the Participant Owner is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th [95th birthday or ten years after the Certificate Contract Date]). If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. 19 20 The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the Participant. While: While (a) the Participant is living; and (b) before the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: , (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participant, the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSPAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Certificate less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Certificate Value allocated to Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-993-PPS7 (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless FS-993-PPS9 (12/10) 15 otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the Participant. While: While (a) the Participant is living; and (b) before the Annuity Date, the Participant may change the Beneficiary by written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have made. If two or more persons are named: , (a) those surviving the Participant will share equally unless otherwise stated; and (b) the Beneficiaries must elect to 18 receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. If the Annuitant survives the Participant, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint Participants, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant is also the Annuitant and there are no surviving Beneficiaries at the death of the Participant, the death benefit will be paid to the estate of the Participant in accordance with option 1, under DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSPAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Certificate less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be determined by applying the portion of the Certificate Value allocated to Fixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record receive the proper written notice subject to any payments We have madeat Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; stated and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at upon Our receipt of all Required Documentation We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, 1 under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects You specify an anticipated Annuity Date (on the date Application as shown on which annuity payments are to begin) at the time of applicationContract Data Page. The Participant You may change the Annuity Date at any time, time at least seven days prior to before the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice in a form satisfactory to Us. The A change in Beneficiary will take effect on the date We record the proper notice is signed by the Owner, subject to any payments action We have madetaken before receipt of such notice. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are dies before the Annuity Date, with no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation we will calculate the death of the Participantbenefit, and we will pay the death benefit will be paid to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. ANNUITY PROVISIONS ANNUITY DATE The Participant selects Owner specifies an anticipated Annuity Date (on the date on which annuity payments are to begin) at the time of applicationApplication. The Participant Owner may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years thirteen (13) months after the Certificate Contract Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selectedspecified on the Application, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.

Beneficiary. The Beneficiary is as designated on the Participant Enrollment Form unless later changed selected by the ParticipantOwner. While: (a) While the Participant Owner is living; living and (b) before the Annuity Date, the Participant Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect on the date We receive the written notice in a form satisfactory to Us. The change will take effect on the date We record the proper notice subject to any payments We have madeUs at Our Annuity Service Center. If two or more persons are named: (a) named as Beneficiaries under the Contract, those surviving the Participant Owner will share equally unless otherwise stated; specified by the Owner and (b) the Beneficiaries each must elect to receive their respective portions of the death benefit according to the options listed under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. If the Annuitant survives the ParticipantOwner, and there are no surviving Beneficiaries, the Annuitant will be deemed the Beneficiary. Joint ParticipantsOwners, if applicable, shall be each other's ’s primary Beneficiary. Joint Annuitants, if any, when the Participant Owner is a non-natural person, shall be each other's ’s primary Beneficiary. Any other Beneficiary designated on the Participant Enrollment Form designation will be treated as a contingent Beneficiary. If the Participant Owner is also the Annuitant and there are no surviving Beneficiaries at Beneficiaries, upon Our receipt of all Required Documentation, We will pay the death of the Participant, the death benefit will be paid Death Benefit to the estate of the Participant Owner in accordance with option 1, under DEATH OF PARTICIPANT OWNER BEFORE THE ANNUITY DATE. FS-993-PPS4 (12/10) 15 ANNUITY PROVISIONS ANNUITY DATE The Participant selects You may specify an anticipated Annuity Date (the date on which annuity payments are to begin) at the time of applicationDate. The Participant You may change the Annuity Date at any time, at least seven days prior to the Annuity Date, by written notice to the Company Us at its Our Annuity Service Center. The Annuity Date must always be the first day of the calendar month and month. The Earliest Annuity Date After the Contract Date is shown on the Contract Date Page. The Annuity Date must not be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Latest Annuity Date is shown on the later of the Annuitant's 90th birthday or ten years after the Certificate DateContract Data Page. If no Annuity Date is selectedspecified by You, the Annuity Date will be the latest Latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS.