Common use of Cash Surrender Value Clause in Contracts

Cash Surrender Value. The Cash Surrender Value before the Annuity Commencement Date, is determined as follows: (1) We take a Certificate's Accumulation Value; (2) We adjust for any applicable Market Value Adjustment; (3) We deduct any Surrender Charges; (4) We deduct any charges as shown in each Certificate that have been incurred but not yet deducted, including: (a) any administrative charge that has not yet been deducted; (b) the pro rata part of any charges for optional benefit riders; and (c) any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value The Certificate Owner may, at any time before the Annuity Commencement Date, surrender a Certificate to us. To do this, the Certificate Owner must return the Certificate with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Certificate and the signed request in our Customer Service Center. All benefits under the Certificate will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Certificate Date, the Certificate Owner may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge. The minimum amount that may be withdrawn is shown in each Certificate. The maximum amount that may be withdrawn is shown in each Certificate. To take a Partial Withdrawal, satisfactory notice must be sent to our Customer Service Center. GA-MA-1074 20 <PAGE> <PAGE> DEATH BENEFIT PROCEEDS ------------------------------------------------------------------------------- PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Certificate Owner dies prior to the Annuity Commencement Date, we will pay the Beneficiary the death benefit. If there are joint Certificate Owners and any Certificate Owner dies, we will pay the surviving Certificate Owners the death benefit. We will pay the amount on receipt of due proof of the Certificate Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (or all Certificate Owners where there are joint Certificate Owners) is not an individual, the proceeds become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under a Certificate. In all events, distributions under the Certificate must be made as required by applicable law. How to Claim Payments to Beneficiary We must receive proof of the Certificate Owner's (or Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-MA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant and Certificate Owner are living on the Annuity Commencement Date, we will begin making payments to the Certificateowner. We will make these payments under the Annuity Option (or Options) as chosen initially or as subsequently selected. An Annuity Option may be chosen or changed by making a written request at least 30 days prior to the Annuity Commencement Date. Unless chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amount of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (See Payments We May Defer). See each Certificate for certain restrictions which may apply. Before we pay any annuity benefits, we require the return of the Certificate. If a Certificate has been lost, we require the applicable lost certificate form. ANNUITY COMMENCEMENT DATE SELECTION The Certificate Owner selects the Annuity Commencement Date. Any date may be elected following the fifth Certificate Anniversary but before the required date of annuity commencement as shown in each Certificate. If a date is not selected, the Annuity Commencement Date will be in the month following the required date of annuity commencement.

Cash Surrender Value. The Cash Surrender Value Value, while the Annuitant is living and before the Annuity Commencement Date, is determined as follows: (1) We 1)We take a Certificatethe Contract's Accumulation Value; (2) We 2)We adjust for any applicable Market Value Adjustment; (3) We 3)We deduct any Surrender Charges; (4) We 4)We deduct any charges as shown in each Certificate the Schedule that have been incurred but not yet deducted, including: (a) any a)any administrative charge that has not yet been deducted; (b) the b)the pro rata part of any charges for optional benefit ridersOptional Benefit Riders; and (c) any c)any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value The Certificate Owner may, at At any time while the Annuitant is living and before the Annuity Commencement Date, you may surrender a Certificate this Contract to us. To do this, the Certificate Owner you must return the Certificate this Contract with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Certificate Contract and the your signed request in our Customer Service Center. All benefits under the Certificate this Contract will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Certificate Contract Date, the Certificate Owner you may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal ChargeCharge (see the Schedule). The minimum amount that may be withdrawn is shown in each Certificatethe Schedule. The maximum amount that may be withdrawn without Surrender Charge is shown in each Certificatethe Schedule. To take a Partial Withdrawal, you must provide us satisfactory notice must be sent to at our Customer Service Center. GA-MA-1074 20 <PAGE> <PAGE> DEATH BENEFIT PROCEEDS ------------------------------------------------------------------------------- PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Certificate Owner dies prior to the Annuity Commencement Date, we will pay the Beneficiary the death benefit. If there are joint Certificate Owners and any Certificate Owner dies, we will pay the surviving Certificate Owners the death benefit. We will pay the amount on receipt of due proof of the Certificate Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (or all Certificate Owners where there are joint Certificate Owners) is not an individual, the proceeds death benefit will become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under a Certificatethis Contract. In all events, distributions under the Certificate Contract must be made as required by applicable law. GA-IA-1074 <PAGE> <PAGE> YOUR CONTRACT BENEFITS (continued) ------------------------------------------------------------------------------ How to Claim Payments to Beneficiary We must receive proof of the Certificate Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-MA-1074 IA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------- ------------------------------------------------------------------------------ ANNUITY BENEFITS If the Annuitant and Certificate Owner are living on the Annuity Commencement Date, we will begin making payments to the CertificateownerOwner. We will make these payments payment under the Annuity Option (or Options) as chosen initially in the application or as subsequently selected. An You may choose or change an Annuity Option may be chosen or changed by making a written request at least 30 days prior to the Annuity Commencement Date. Unless you have chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amount amounts of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (See see Payments We May Defer). See each Certificate for certain restrictions which may apply. Before we pay any annuity benefitsAnnuity Benefits, we require the return of the Certificatethis Contract. If a Certificate this Contract has been lost, we require the applicable lost certificate Contract form. ANNUITY COMMENCEMENT DATE SELECTION The Certificate Owner selects You select the Annuity Commencement Date. Any You may select any date may be elected following the fifth Certificate Contract Anniversary but before the required date of annuity commencement Annuity Commencement as shown in each Certificatethe Schedule. If you do not select a date is not selecteddate, the Annuity Commencement Date will be in the month following the required date of annuity commencement.Annuity Commencement. FREQUENCY SELECTION You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. THE INCOME PLAN While this Contract is in effect and before the Annuity Commencement Date, you may chose one or more Annuity Options for the payment of death benefits proceeds. If, at the time of the Owner's death, no Option has been chosen for paying the death benefit proceeds, the Beneficiary may choose an Option within one year. You may also elect an Annuity Option on surrender of the Contract for its Cash Surrender Value. For each Option we will issue a separate written agreement putting the Option into effect. Our approval is needed for any Option where:

Cash Surrender Value. The Cash Surrender Value Value, while the Annuitant is living and before the Annuity Commencement Date, is determined as follows: (1) We take a Certificatethe Contract's Accumulation Value; (2) We adjust for any applicable Market Value Adjustment; (3) We deduct any Surrender ChargesCharges as shown on the Schedule Page; (4) We deduct any charges as shown in each Certificate the Schedule that have been incurred but not yet deducted, including: (a) any administrative charge that has not yet been deducted; (b) the pro rata part of any charges for optional benefit riders; and (c) including any applicable premium or other taxPremium Tax. Cancelling BEGINNING ON THE THIRTIETH DAY IMMEDIATELY PRECEDING THE MATURITY DATE OF A GUARANTEE PERIOD THERE IS NO SURRENDER CHARGE OR MARKET VALUE ADJUSTMENT. A WRITTEN REQUEST BY YOU FOR SURRENDER OR TRANSFER TO ANOTHER GUARANTEE PERIOD MUST BE RECEIVED IN OUR CUSTOMER SERVICE CENTER BEFORE THE END OF SUCH 30-DAY PERIOD OF THE INITIAL OR SUBSEQUENT GUARANTEE PERIOD. SURRENDER CHARGES AND THE MARKET VALUE ADJUSTMENT APPLY TO EACH SUBSEQUENT GUARANTEE PERIOD. SURRENDER CHARGES FOR EACH SUBSEQUENT GUARANTEE PERIOD START AT 8% FOR THE FIRST YEAR, THEN DECREASE BY 1% PER YEAR BEGINNING IN YEAR 2 UNTIL THE MATURITY DATE OF THAT GUARANTEE PERIOD. Canceling to Receive the Cash Surrender Value The Certificate Owner may, at At any time while the Annuitant is living and before the Annuity Commencement Date, you may surrender a Certificate this Contract to us. To do this, the Certificate Owner you must return the Certificate this Contract with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Certificate Contract and the your signed request in our Customer Service Center. All benefits under the Certificate this Contract will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Certificate Date, the Certificate Owner You may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge. The minimum amount that may be withdrawn is shown in each Certificateat any time by giving written notice to us. The maximum amount that may can be withdrawn each Contract Year without being considered an excess Partial Withdrawal is shown in each Certificatedescribed below. To take We will collect a Surrender Charge and Market Value Adjustment for excess Partial Withdrawals and a charge for any unrecovered Premium Taxes. The minimum Partial Withdrawal amount is $100. After a Partial Withdrawal, satisfactory notice the remaining Cash Surrender Value must be sent at least $1000 to our Customer Service Centerkeep the Contract in force. The free withdrawal amount for a Contract Year is equal to 12 months of interest earned and not previously withdrawn in the prior 12 months. Systematic Partial Withdrawals of interest may be elected to commence after 28 days from the Contract Issue Date and may be taken on a monthly, quarterly or annual basis. You select the day withdrawals will be made, but no later than the 28th date of the month. If you do not elect a day, the Contract Date will be used. The maximum withdrawal amount is equal to the interest earned for the prior month, quarter, or year (depending on the frequency selected). GA-MA-1074 20 <PAGE> <PAGE> DEATH BENEFIT PROCEEDS ------------------------------------------------------------------------------- IA-1070 10 6/00 YOUR CONTRACT BENEFITS (continued) ---------------------------------------------------------------------------- For any Contract Year in which the total amount withdrawn exceeds the free withdrawal amount, a Surrender Charge and Market Value Adjustment will apply to the excess Partial Withdrawal. If the Contract is surrendered, the Surrender Charge and Market Value Adjustment will apply to the total amount withdrawn in that Contract Year, including any Partial Withdrawals. NO SURRENDER CHARGE OR MARKET VALUE ADJUSTMENT WILL APPLY TO PARTIAL WITHDRAWALS OR SURRENDERS DURING THE 30 DAYS IMMEDIATELY PRECEDING THE MATURITY DATE OF A GUARANTEE PERIOD. PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Certificate Owner dies prior to the Annuity Commencement Date, we will pay the Beneficiary the death benefit. The death benefit is equal to the Accumulation Value as of the date of death. No Surrender Charge or Market Value Adjustment will be applied. If there are joint Certificate Owners and any Certificate Owner dies, we will pay the surviving Certificate Owners the death benefit. We will pay the amount on receipt of due proof of the Certificate Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (or all Certificate Owners where there are joint Certificate Owners) is not an individual, the proceeds death benefit will become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under a Certificatethis Contract. In all events, distributions under the Certificate Contract must be made as required by applicable law. Spousal Continuation upon Death of Owner If at the Owner's death, the surviving spouse of the deceased Owner is the Beneficiary, then such surviving spouse may elect to continue the Contract as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of the U.S. Treasury Department rules for qualified plans. How to Claim Payments to Beneficiary We must receive proof of the Certificate Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. EXEMPTION OF BENEFITS All payments of Benefits under this Contract will be made from our Customer Service Center. To the extent allowed by law, the Benefits will be free from creditor's claims or legal process. GA-MA-1074 <PAGE> <PAGE> IA-1070 11 6/00 CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------- ---------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant and Certificate Owner are living on the Annuity Commencement Date, we will begin making payments to the CertificateownerOwner. We will make these payments under the Annuity Option (or Options) as chosen initially or as subsequently selected. An You may choose or change an Annuity Option may be chosen or changed by making a written request at least 30 days prior to the Annuity Commencement Date. Unless you have chosen otherwise, Option 2 on a 10-10- year period certain basis will become effective. The amount amounts of the payments will be determined by applying the Accumulation Value adjusted by a Market Value Adjustment, if applicable, on the Annuity Commencement Date in accordance with the Annuity Options section below (See see Payments We May Defer). See each Certificate for certain restrictions which Surrender Charges will be waived. A Market Value Adjustment may applyapply if the Annuity Commencement Date is more than 30 days prior to the Maturity Date of the Guarantee Period. Before we pay any annuity benefitsAnnuity Benefits, we require the return of the Certificatethis Contract. If a Certificate this Contract has been lost, we require the applicable lost certificate Contract form. ANNUITY COMMENCEMENT DATE SELECTION The Certificate Owner selects the Annuity Commencement Date. Any date may be elected following the fifth Certificate Anniversary but before the required date of annuity commencement as shown in each Certificate. If a date is not selected, the Annuity Commencement Date will be in the month following the required date of annuity commencement.

Cash Surrender Value. The Cash Surrender Value before is the Annuity Commencement DateAccumulated Value. Withdrawals – Upon Written Request on or after the first policy anniversary while the Insured is living, you may withdraw a portion of the Net Cash Surrender Value of this policy. Withdrawals will be subject to the following conditions: The amount of each withdrawal must be at least $500 and the Net Cash Surrender Value remaining after each withdrawal must be at least $500. Also, if there is determined as follows: (1) We take a Certificate's Accumulation Value; (2) We adjust for any applicable Market Value Adjustment; (3) We deduct any Surrender Charges; (4) We deduct any charges as shown in Policy Debt at the time of each Certificate that have been incurred but not yet deductedwithdrawal, including: (a) any administrative charge that has not yet been deducted; (b) the pro rata part amount of any charges for optional benefit riders; and (c) any applicable premium or other tax. Cancelling the withdrawal is limited to Receive the excess, if any, of the Cash Surrender Value immediately prior to the withdrawal over the result of the Policy Debt divided by 90%. The Certificate Owner may, at any time before amount of each withdrawal will be allocated proportionately to the Annuity Commencement Date, surrender Accumulated Value in the Investment Options unless you request otherwise. If the Insured dies after the request for a Certificate withdrawal is sent to us. To do thisus and prior to the withdrawal being effected, the Certificate Owner must return amount of the Certificate with withdrawal will be deducted from the death benefit proceeds, which will be determined without taking the withdrawal into account. Withdrawals may also affect the Face Amount. A withdrawal will reduce the Face Amount, but only for policies having Death Benefit Option A. In such case, a signed request withdrawal in excess of the difference between the Minimum Death Benefit and the Face Amount will reduce the Face Amount by the amount of the excess. A withdrawal will not be allowed if it causes the Face Amount to drop below our minimum issue limit of $12,000 TIMING OF PAYMENTS AND TRANSFERS Variable Accounts – With respect to allocations made to the Variable Accounts, we will calculate values for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value surrenders, withdrawals, loans and, unless transfers are restricted, transfers as of the date end of the Valuation Date on or next following the day on which we receive your instructions. For any portion of death benefit depending on the Certificate and the signed request in our Customer Service Center. All benefits under the Certificate will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Certificate Date, the Certificate Owner may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge. The minimum amount that may be withdrawn is shown in each Certificate. The maximum amount that may be withdrawn is shown in each Certificate. To take a Partial Withdrawal, satisfactory notice must be sent to our Customer Service Center. GA-MA-1074 20 <PAGE> <PAGE> DEATH BENEFIT PROCEEDS ------------------------------------------------------------------------------- PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Certificate Owner dies prior to the Annuity Commencement DateVariable Accumulated Value, we will pay calculate such value as of the Beneficiary end of the Valuation Date on or next following the day on which the Insured’s death benefit. If there are joint Certificate Owners and any Certificate Owner dies, we will pay the surviving Certificate Owners the death benefitoccurs. We will pay such amounts and will process such transfers within seven days after we receive all the amount information needed for the transaction. However, we may postpone the calculation, payment or transfer of any amounts that are based on receipt of due proof the investment performance of the Certificate Owner's death at our Customer Service Center. Such amount may be received in Variable Accounts, if: • the New York Stock Exchange is closed on other than customary weekend and holiday closings; or • an emergency exists, as determined by the SEC, as a single lump sum or applied result of which it is not reasonably practicable to any determine the value of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (Account assets or all Certificate Owners where there are joint Certificate Owners) is not an individual, the proceeds become payable on the death to dispose of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under a Certificate. In all events, distributions under the Certificate must be made as required by applicable law. How to Claim Payments to Beneficiary We must receive proof of the Certificate Owner's (or Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-MA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant and Certificate Owner are living on the Annuity Commencement Date, we will begin making payments to the Certificateowner. We will make these payments under the Annuity Option (or Options) as chosen initially or as subsequently selected. An Annuity Option may be chosen or changed by making a written request at least 30 days prior to the Annuity Commencement Date. Unless chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amount of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (See Payments We May Defer). See each Certificate for certain restrictions which may apply. Before we pay any annuity benefits, we require the return of the Certificate. If a Certificate has been lost, we require the applicable lost certificate form. ANNUITY COMMENCEMENT DATE SELECTION The Certificate Owner selects the Annuity Commencement Date. Any date may be elected following the fifth Certificate Anniversary but before the required date of annuity commencement as shown in each Certificate. If a date is not selected, the Annuity Commencement Date will be in the month following the required date of annuity commencementAccount securities.

Cash Surrender Value. The Cash Surrender Value before is the Annuity Commencement Date, Accumulated Value. Net Cash Surrender Value – The Net Cash Surrender Value is determined as follows: (1) We take a Certificate's Accumulation Value; (2) We adjust for any applicable Market Value Adjustment; (3) We deduct any Surrender Charges; (4) We deduct any charges as shown in each Certificate that have been incurred but not yet deducted, including: (a) any administrative charge that has not yet been deducted; (b) the pro rata part of any charges for optional benefit riders; and (c) any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value The Certificate Owner may, at less any time before Policy Debt. Withdrawals – Upon Written Request on or after the Annuity Commencement first Policy anniversary and until the Monthly Deduction End Date, surrender you may withdraw a Certificate to us. To do this, the Certificate Owner must return the Certificate with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as portion of the date we receive the Certificate and the signed request in our Customer Service Center. All benefits under the Certificate will then end. We will usually pay the Cash Surrender Accumulated Value within seven days; but, we may delay payment of this Policy as described in Withdrawal Conditions in the Payments We May Defer provisionPolicy Specifications. PARTIAL WITHDRAWAL OPTION After the Certificate Date, the Certificate Owner may make Partial Withdrawals. Partial Withdrawals may will be subject to a Partial the Withdrawal Charge. The minimum amount that may be withdrawn is Conditions shown in each Certificateyour Policy Specifications. The maximum amount that may Withdrawals will be withdrawn is shown in each Certificatededucted from the Accumulated Value. To When you take a Partial Withdrawal, satisfactory notice must the amount of the withdrawal and any withdrawal fee is deducted from the Policy’s Investment Options. Unless you provide otherwise, any such deduction will be sent to our Customer Service Centerdeducted from the Accumulated Value as an Account Deduction. GA-MA-1074 20 <PAGE> <PAGE> DEATH BENEFIT PROCEEDS ------------------------------------------------------------------------------- PROCEEDS PAYABLE TO THE BENEFICIARY Prior to When Death Benefit Option A is in effect, a requested withdrawal may increase the Annuity Commencement Date If the sole Certificate Owner dies prior to the Annuity Commencement DateNet Amount at Risk, in which case, we will pay decrease the Beneficiary Face Amount as follows: During the death benefitfirst 15 Policy years, but only in the case of the first withdrawal of a given Policy year, the Face Amount will be decreased only to the extent that the withdrawal exceeds the lesser of $10,000 or 10% of the Accumulated Value less any Policy Debt. If there are joint Certificate Owners and any Certificate Owner diesthe reduction in Total Face Amount due to a requested withdrawal would cause the Policy to become a Modified Endowment Contract, we will pay the surviving Certificate Owners the death benefit. We will pay the amount on receipt of due proof of the Certificate Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (or all Certificate Owners where there are joint Certificate Owners) is not an individual, the proceeds become payable on the death of the Annuitant prior to the Annuity Commencement Date (process your withdrawal request unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under a Certificate. In all events, distributions under the Certificate must be made as required by applicable law. How to Claim Payments to Beneficiary We must receive proof of the Certificate Owner's (or Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date and until we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-MA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant and Certificate Owner are living on the Annuity Commencement Date, we will begin making payments your Written Request to the Certificateowner. We will make these payments under the Annuity Option (or Options) have your Policy classified as chosen initially or as subsequently selected. An Annuity Option may be chosen or changed by making a written request at least 30 days prior to the Annuity Commencement Date. Unless chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amount of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date Modified Endowment Contract in accordance with the Annuity Options Modified Endowment Contract Tax Status section below of this Policy. If Death Benefit Option B is in effect at the time of a withdrawal, the withdrawal will not reduce the Total Face Amount, but it will reduce the Accumulated Value, which has the effect of reducing the Death Benefit (See Payments We May Defersee the Death Benefit section for details). See each Certificate for certain restrictions which may apply. Before we pay any annuity benefitsIf Death Benefit Option C is in effect at the time of a withdrawal, we require the return withdrawal will not reduce the Total Face Amount, but it will increase the sum of the Certificatewithdrawals, which has the effect of reducing the Death Benefit (see the Death Benefit section for details). If the Insured dies after the request for a Certificate has been lostwithdrawal is received by us and prior to the withdrawal being processed, we require the applicable lost certificate form. ANNUITY COMMENCEMENT DATE SELECTION The Certificate Owner selects withdrawal, if allowed under this provision, will be processed and paid to the Annuity Commencement Date. Any date may be elected following Owner, or to the fifth Certificate Anniversary but Owner’s estate before the required date of annuity commencement as shown in each CertificateDeath Benefit Proceeds are determined and paid to the beneficiary. If a date is not selected, the Annuity Commencement Date will be in the month following the required date of annuity commencement.ICC19 P19VULM Page [20]

Cash Surrender Value. The Cash Surrender Value cash surrender value before the Annuity Commencement Dateannuity commencement date, is determined as follows: (1) We take a Certificate's Accumulation Valueaccumulation value; (2) We adjust for any applicable Market Value Adjustment; (3) We deduct any Surrender Charges; and (4) We deduct any charges as shown in each Certificate that have been incurred but not yet deducted, including: (a) any administrative charge that has not yet been deducted; (b) the pro rata prorata part of any charges for optional benefit riders; and (c) any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value The Certificate Owner may, at any time before the Annuity Commencement Dateannuity commencement date, surrender a Certificate to us. To do this, the Certificate Owner must return the Certificate with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value cash surrender value will vary daily. We will determine the Cash Surrender Value cash surrender value as of the date we receive the Certificate and the signed request in our Customer Service Center. All benefits under the Certificate will then end. hxxxx://xxx.xxx.xxx/Xxxxxxxx/exxxx/data/836687/000083727601500024/ex4amaster.txt 10/31/2017 We will usually pay the Cash Surrender Value cash surrender value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Certificate certificate Date, the Certificate Owner may make Partial Withdrawalspartial withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge. The minimum amount that may be withdrawn is shown in each Certificate. The maximum amount that may be withdrawn is shown in each Certificate. To take a Partial Withdrawalpartial withdrawal, satisfactory notice must be sent to our Customer Service Center. GA-MA-1074 20 MA-1082 <PAGE> <PAGE> DEATH BENEFIT PROCEEDS ------------------------------------------------------------------------------- Death Benefit Proceeds -------------------------------------------------------------------------------- PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Certificate certificate Owner dies prior to the Annuity Commencement Dateannuity commencement date, we will pay the Beneficiary beneficiary the death benefit. If there are joint Certificate Owners and any Certificate Owner dies, we will pay the surviving Certificate Owners the death benefit. We will pay the amount on receipt of due proof of the Certificate certificate Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (or all Certificate Owners where there are joint Certificate Owners) is not an individual, the proceeds become payable on the death of the Annuitant annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant contingent annuitant survived the Annuitantannuitant). Only one death benefit is payable under a Certificate. In all events, distributions under the Certificate must be made as required by applicable law. How to Claim Payments to Beneficiary We must receive proof of the Certificate certificate Owner's (or Annuitantannuitant's) death before we will make any payments to the Beneficiarybeneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary beneficiary should contact our Customer Service Center for instructions. GA-MA-1074 MA-1082 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------- Choosing an Income Plan -------------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant annuitant and Certificate certificate Owner are living on the Annuity Commencement Dateannuity commencement date, we will begin making payments to the Certificateownercertificate Owner. We will make these payments under the Annuity Option annuity option (or Optionsoptions) as chosen initially or as subsequently selected. An Annuity Option annuity option may be chosen or changed by making a written request at least 30 days prior to the Annuity Commencement Dateannuity commencement date. Unless chosen otherwise, Option 2 on a 10-year period hxxxx://xxx.xxx.xxx/Xxxxxxxx/exxxx/data/836687/000083727601500024/ex4amaster.txt 10/31/2017 certain basis will become effective. The amount of the payments will be determined by applying the Accumulation Value accumulation value on the Annuity Commencement Date annuity commencement date in accordance with the Annuity Options section below (See Payments We May Defer). See each Certificate for certain restrictions which may apply. Before we pay any annuity benefits, we require the return of the Certificate. If a Certificate has been lost, we require the applicable lost certificate Certificate form. ANNUITY COMMENCEMENT DATE SELECTION The Certificate Owner selects the Annuity Commencement Date. Any date may be elected following the fifth Certificate Anniversary certificate anniversary but before the required date of annuity commencement as shown in each Certificate. If a date is not selected, the Annuity Commencement Date annuity commencement date will be in the month following the required date of annuity commencement.

Cash Surrender Value. The Cash Surrender Value Value, while the Annuitant is living and before the Annuity Commencement Date, is determined as follows: (1) We take a the Certificate's Accumulation Value; (2) We adjust for any applicable Market Value Adjustment; (3) We deduct any Surrender ChargesCharges as shown on the Certificate Schedule Page; (4) We deduct any charges as shown in each the Certificate that have been incurred but not yet deducted, including: (a) any administrative charge that has not yet been deducted; (b) the pro rata part of any charges for optional benefit riders; and (c) including any applicable premium or other taxPremium Tax. Cancelling BEGINNING ON THE THIRTIETH DAY IMMEDIATELY PRECEDING THE MATURITY DATE OF A GUARANTEE PERIOD THERE IS NO SURRENDER CHARGE OR MARKET VALUE ADJUSTMENT. A WRITTEN REQUEST BY THE CERTIFICATE OWNER FOR SURRENDER OR TRANSFER TO ANOTHER GUARANTEE PERIOD MUST BE RECEIVED IN OUR CUSTOMER SERVICE CENTER BEFORE THE END OF SUCH 30-DAY PERIOD OF THE INITIAL OR SUBSEQUENT GUARANTEE PERIOD. SURRENDER CHARGES AND THE MARKET VALUE ADJUSTMENT APPLY TO EACH SUBSEQUENT GUARANTEE PERIOD. SURRENDER CHARGES FOR EACH SUBSEQUENT GUARANTEE PERIOD START AT 8% FOR THE FIRST YEAR, THEN DECREASE BY 1% PER YEAR BEGINNING IN YEAR 2 UNTIL THE MATURITY DATE OF THAT GUARANTEE PERIOD. Canceling to Receive the Cash Surrender Value The Certificate Owner may, at At any time while the Annuitant is living and before the Annuity Commencement Date, a Certificate Owner may surrender a Certificate to us. To do this, the a Certificate Owner must return the Certificate with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Certificate and the Certificate Owner's signed request in our Customer Service Center. All benefits under the Certificate will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Certificate Date, the Certificate Owner may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge. The minimum amount that may be withdrawn is shown in each Certificate. The maximum amount that may be withdrawn is shown in each Certificate. To take a Partial Withdrawal, satisfactory notice must be sent to our Customer Service Center. GA-MA-1074 20 <PAGE> <PAGE> DEATH BENEFIT PROCEEDS ------------------------------------------------------------------------------- PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Certificate Owner dies prior to the Annuity Commencement Date, we will pay the Beneficiary the death benefit. If there are joint Certificate Owners and any Certificate Owner dies, we will pay the surviving Certificate Owners the death benefit. We will pay the amount on receipt of due proof of the Certificate Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (or all Certificate Owners where there are joint Certificate Owners) is not an individual, the proceeds become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under a Certificate. In all events, distributions under the Certificate must be made as required by applicable law. How to Claim Payments to Beneficiary We must receive proof of the Certificate Owner's (or Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-MA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant and Certificate Owner are living on the Annuity Commencement Date, we will begin making payments to the Certificateowner. We will make these payments under the Annuity Option (or Options) as chosen initially or as subsequently selected. An Annuity Option may be chosen or changed by making a written request at least 30 days prior to the Annuity Commencement Date. Unless chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amount of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (See Payments We May Defer). See each Certificate for certain restrictions which may apply. Before we pay any annuity benefits, we require the return of the Certificate. If a Certificate has been lost, we require the applicable lost certificate form. ANNUITY COMMENCEMENT DATE SELECTION The Certificate Owner selects the Annuity Commencement Date. Any date may be elected following the fifth Certificate Anniversary but before the required date of annuity commencement as shown in each Certificate. If a date is not selected, the Annuity Commencement Date will be in the month following the required date of annuity commencement.