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 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 Beneficiary is as designated on the Participant Enrollment Form Application unless later changed by the ParticipantOwner. 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 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 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 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 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 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: (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 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. 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 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. 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 Owner during the Accumulation Period. 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 Owner will have the right to be paid only if no one in a form satisfactory prior class survives the Owner. One who has the right to Usbe paid will be the only one paid if no one else in the same class survives the 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 Owner, we will pay in one sum to the Owner's estate. Unless you notify us otherwise in writing received in Good Order, when there is insufficient evidence to determine the order of death, 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 reasonable 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 will send you a change request form. We may also ask you to send us the Contract. The change of beneficiary will take effect on the date We record you sign 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 Participantchange request form, 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 provided such request is subject received in Good Order. Then, any previous Beneficiary's interest will end as of the date the change request is signed and we receive it in Good Order, even if the Owner is not living when we process the change request. SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT We reserve the right to suspend or postpone payments from the rights of Separate Account for a withdrawal or transfer for 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 PAYMENTSperiod when:

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 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 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 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 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. 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 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 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 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. 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 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.

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: (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 word beneficiary where we use it in this contract without qualification means 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 beneficiary for insurance payable upon the death of the ParticipantInsured. Unless we endorse this contract to say otherwise, the beneficiary for insurance payable upon the death benefit of the insured spouse will be paid to the Insured if living, otherwise 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 applicationinsured spouse. The Participant beneficiary for insurance payable upon the death of the insured spouse 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 Centerbe changed. The Annuity Date request must always be in writing and in a form that meets our needs. It will take effect only when we file it at our Home Office; this will be after the first day contract is sent to us to be endorsed, if we ask for it. Then any previous beneficiary's interest in such insurance will end as 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 paymentrequest. It will end then even if the insured spouse is not living when we file the request. Any such request beneficiary's interest is subject to the rights of any assigneeassignee of whom we know. No payments available to or being paid When a beneficiary is designated; any relationship shown is to the Payee Insured, unless otherwise stated. Misstatement of Age or Sex If the insured spouse's stated age or sex or both are not correct, we will change each benefit and any amount payable to what the premiums and charges would have bought for the correct age and sex. The Schedule of Premiums may show that premiums chance or stop on a certain date. We may have used that date because the insured spouse would attain a certain age on that date. If we find that the issue age for the insured spouse was wrong, we will correct that date. Suicide Exclusion If the insured spouse, whether sane or insane, dies by suicide within the period which we state in the Suicide Exclusion under General Provisions and while this benefit is in force, we will not pay the Annuitant amount we describe under benefit above. Instead, we will pay no more than the sum of the monthly cnarges deducted for this benefit to the date of death plus the charge for applicable taxes. We will make that payment in one sum. Reinstatement If this contract is alive can be transferredreinstated, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTSit will not include the insurance that we provide under this benefit on the life of the insured spouse unless we are given any facts we need to satisfy us that the insured spouse is insurable for the benefit.

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 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. 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. 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 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 designated Beneficiary is as will remain in effect until You change it. Changes in the designated on Beneficiary may be made during 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 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 Administrative Office 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 Participant is a non-natural persondesignated 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 by Us, the latest Annuity Date is the later new designation will take effect as of the Annuitant's 90th birthday date the notice is signed, whether or ten years after not the Certificate Annuitant or Contract Owner is alive at the time of receipt of such notice. Any payments made or other action taken by Us before the receipt of the notice will not be subject to the requested change. If the Contract Owner dies before the Annuity Commencement Date, any surviving joint Contract Owner will become the Beneficiary. If there is no surviving joint Contract Owner, the designated Beneficiary will be the Beneficiary. If no Annuity Date Beneficiary designation is selectedin effect or if the Beneficiary has predeceased the Contract Owner, the Annuity Date Contract Owner’s estate will be the latest Beneficiary. If the Annuitant dies before the Annuity Commencement Date, the Contingent Annuitant will become the Annuitant. If either: (a) there is no Contingent Annuitant, (b) the Contingent Annuitant predeceases the Annuitant, or (c) if any sole Contract Owner dies before the Annuity Commencement Date, the Beneficiary as set by determined under the Contract Control Provisions, will receive the Death Benefit as determined on the date written notification of Due Proof of Death is received at the Administrative Office of the Company. PAYMENTS TO PARTICIPANT Unless You request otherwiseHowever, We will make annuity payments if the Annuitant dies prior to You. If You want the annuity payments to Commencement Date and the Contract Owner is living, the Contract Owner shall be made to some other Payeethe Beneficiary. In that case, 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 assigneethe designated Beneficiary shall be voided. No payments available to or being paid to If the Payee while Contract Owner’s spouse is a Beneficiary and the Annuitant is alive can living, the spouse may elect, in lieu of receiving the Contract Value, to be transferredtreated as the Contract owner. NCDSC98-6/7 Page 7 Printed in U.S.A. P547R2.FRM GENERAL The Contract PROVISIONS This contract and the endorsements or riders, commutedif any, anticipated or encumberedconstitute the entire contract. FIXED ANNUITY PAYMENTSThe contract is intended to qualify as an annuity contract for Federal tax purposes. To that end, the provisions of the contract are interpreted and administered to insure and maintain such tax qualification, notwithstanding any other provisions to the contrary.

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 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. 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 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 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 AnnuitantsContract 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 that person 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 that person 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 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. 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 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 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 ’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 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. 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 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 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 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 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 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: 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 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: 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.