Common use of CONTRACT CHARGES Clause in Contracts

CONTRACT CHARGES. An annual charge of [1.00%] will be assessed for administrative expenses and mortality and expense risks assumed by GIAC related to the Basic Contract. [HIGHEST ANNIVERSARY VALUE DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.30%] will be assessed as a charge for this rider. [RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.25% or ..30% for Plus] will be assessed as a charge for this rider. [COMBINED HIGHEST ANNIVERSARY VALUE DEATH BENEFIT AND RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.35%] will be assessed as a charge for these riders. TOTAL DAILY CHARGE The total annual charge, including any charges for riders that you have elected to be included with this contract, of [X%] will be assessed as a daily charge. Therefore, [.000xxxx%] of the value in each Variable Investment Option will be deducted daily from the Variable Investment Options for these charges. [ANNUITY PAYOUT OPTION – PAYMENTS FOR A PERIOD CERTAIN ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] [ANNUITY PAYOUT OPTION – FIXED PAYMENTS TO AGE 100 ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] We may also deduct annuity taxes in jurisdictions in which an annuity tax is imposed. To obtain information about your coverage you may call your agent or contact our Customer Service Office by telephone at [0-000-000-0000] or by mail sent to one of the following addresses: [For regular mail: The Guardian Insurance & Annuity Company, Inc. Customer Service Office P.O. Box 26210 Lehigh Valley, PA 18002-6210 For overnight delivery: The Guardian Insurance & Annuity Company, Inc. Customer Service Office 0000 Xxxxxxx Xxxxx Bethlehem, PA 18017]

CONTRACT CHARGES. An annual charge of [1.00%] will be assessed for administrative expenses and mortality and expense risks assumed by GIAC related to the Basic Contract. [HIGHEST ANNIVERSARY VALUE DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.30%] will be assessed as a charge for this rider. [RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.25% or ..30% for Plus] will be assessed as a charge for this rider. [COMBINED HIGHEST ANNIVERSARY VALUE DEATH BENEFIT AND RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.35%] will be assessed as a charge for these riders. TOTAL DAILY CHARGE The total annual charge, including any charges for riders that you have elected to be included with this contract, of [X%] will be assessed as a daily charge. Therefore, [.000xxxx%] of the value in each Variable Investment Option will be deducted daily from the Variable Investment Options for these charges. [ANNUITY PAYOUT OPTION – PAYMENTS FOR A PERIOD CERTAIN ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] [ANNUITY PAYOUT OPTION – FIXED PAYMENTS TO AGE 100 ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] We may also deduct annuity taxes in jurisdictions in which an annuity tax is imposed. SURRENDER CHARGE SCHEDULE A surrender or withdrawal may be subject to a Surrender Charge. The charge is equal to the amount of each Chargeable Premium involved in the transaction during the [7] years following our receipt of that Chargeable Premium multiplied by the applicable percentage in the table below. We will not assess a Surrender Charge on amounts withdrawn from earnings or at the time of withdrawal pursuant to the Free Withdrawal Amount described in the Surrenders and Withdrawals section of this contract. NUMBER OF FULL YEAR(S) COMPLETED SINCE PREMIUM PAYMENT WAS MADE PERCENTAGE [0 8 % 1 7.5 % 2 6.5 % 3 5.5 % 4 5 % 5 4 % 6 3 % 7+ 0 ] To obtain information about your coverage you may call your agent or contact our Customer Service Office by telephone at [0-000-000-0000] or by mail sent to one of the following addresses: [For regular mail: The Guardian Insurance & Annuity Company, Inc. Customer Service Office P.O. Box 26210 Lehigh Valley, PA 18002-6210 For overnight delivery: The Guardian Insurance & Annuity Company, Inc. Customer Service Office 0000 Xxxxxxx Xxxxx Bethlehem, PA 18017]

CONTRACT CHARGES. An annual charge of [1.00%] will be assessed for administrative expenses and mortality and expense risks assumed by GIAC related to the Basic Contract. [HIGHEST ANNIVERSARY VALUE DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.30%] will be assessed as a charge for this rider. [RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.25% or ..30% for Plus] will be assessed as a charge for this rider. [COMBINED HIGHEST ANNIVERSARY VALUE DEATH BENEFIT AND RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.35%] will be assessed as a charge for these riders. TOTAL DAILY CHARGE The total annual charge, including any charges for riders that you have elected to be included with this contract, of [X%1.35%] will be assessed as a daily charge. Therefore, [.000xxxx%0.0037238%] of the value in each Variable Investment Option will be deducted daily from the Variable Investment Options for these charges. [ANNUITY PAYOUT OPTION – PAYMENTS FOR A PERIOD CERTAIN ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] [ANNUITY PAYOUT OPTION – FIXED PAYMENTS TO AGE 100 ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] We may also deduct annuity taxes in jurisdictions in which an annuity tax is imposed. SURRENDER CHARGE SCHEDULE A surrender or withdrawal may be subject to a Surrender Charge. The charge is equal to the amount of each Chargeable Premium involved in the transaction during the [7] years following our receipt of that Chargeable Premium multiplied by the applicable percentage in the table below. We will not assess a Surrender Charge on amounts withdrawn from earnings or at the time of withdrawal pursuant to the Free Withdrawal Amount described in the Surrenders and Withdrawals section of this contract. NUMBER OF FULL YEAR(S) COMPLETED SINCE PREMIUM PAYMENT WAS MADE PERCENTAGE [0 8 % 1 7.5 % 2 6.5 % 3 5.5 % 4 5 % 5 4 % 6 3 % 7+ 0 ] To obtain information about your coverage you may call your agent or contact our Customer Service Office by telephone at [0-000-000-0000] or by mail sent to one of the following addresses: [For regular mail: The Guardian Insurance & Annuity Company, Inc. Customer Service Office P.O. Box 26210 Lehigh Valley, PA 18002-6210 For overnight delivery: The Guardian Insurance & Annuity Company, Inc. Customer Service Office 0000 Xxxxxxx Xxxxx Bethlehem, PA 18017] You may contact the State Insurance Department in which this contract is delivered at [(800)123-4567].

CONTRACT CHARGES. An annual charge of [1.001.70%] will be assessed for administrative expenses and mortality and expense risks assumed by GIAC related to the Basic Contract. [HIGHEST ANNIVERSARY VALUE DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.30%] will be assessed as a charge for this rider. [RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.25% or ..30.30% for Plus] will be assessed as a charge for this rider. [COMBINED HIGHEST ANNIVERSARY VALUE DEATH BENEFIT AND RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.35%] will be assessed as a charge for these riders. TOTAL DAILY CHARGE The total annual charge, including any charges for riders that you have elected to be included with this contract, of [X%0.95%] will be assessed as a daily charge. Therefore, [.000xxxx%0.0026151%] of the value in each Variable Investment Option will be deducted daily from the Variable Investment Options for these charges. [ANNUITY PAYOUT OPTION – PAYMENTS FOR A PERIOD CERTAIN ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] [ANNUITY PAYOUT OPTION – FIXED PAYMENTS TO AGE 100 ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] We may also deduct annuity taxes in jurisdictions in which an annuity tax is imposed. To obtain information about your coverage you may call your agent or contact our Customer Service Office by telephone at [0-000-000-0000] or by mail sent to one of the following addresses: [For regular mail: The Guardian Insurance & Annuity Company, Inc. Customer Service Office P.O. Box 26210 Lehigh Valley, PA 18002-6210 For overnight delivery: The Guardian Insurance & Annuity Company, Inc. Customer Service Office 0000 Xxxxxxx Xxxxx Bethlehem, PA 18017] You may contact the State Insurance Department in which this contract is delivered at [(800)123-4567].

CONTRACT CHARGES. An annual charge of [1.00%] will be assessed for administrative expenses and mortality and expense risks assumed by GIAC related to the Basic Contract. [HIGHEST ANNIVERSARY VALUE DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.30%] will be assessed as a charge for this rider. [RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.25% or ..30% for Plus] will be assessed as a charge for this rider. [COMBINED HIGHEST ANNIVERSARY VALUE DEATH BENEFIT AND RETURN OF PREMIUM DEATH BENEFIT RIDER CHARGE: An annual rider charge of [.35%] will be assessed as a charge for these riders. TOTAL DAILY CHARGE The total annual charge, including any charges for riders that you have elected to be included with this contract, of [X%0.95%] will be assessed as a daily charge. Therefore, [.000xxxx%0.0026151%] of the value in each Variable Investment Option will be deducted daily from the Variable Investment Options for these charges. [ANNUITY PAYOUT OPTION – PAYMENTS FOR A PERIOD CERTAIN ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] [ANNUITY PAYOUT OPTION – FIXED PAYMENTS TO AGE 100 ENDORSEMENT WITHDRAWAL CHARGE: Lesser of $25 or 2% of the amount of any withdrawal made after the first withdrawal in each calendar quarter.] We may also deduct annuity taxes in jurisdictions in which an annuity tax is imposed. To obtain information about your coverage you may call your agent or contact our Customer Service Office by telephone at [0-000-000-0000] or by mail sent to one of the following addresses: [For regular mail: The Guardian Insurance & Annuity Company, Inc. Customer Service Office P.O. Box 26210 Lehigh Valley, PA 18002-6210 For overnight delivery: The Guardian Insurance & Annuity Company, Inc. Customer Service Office 0000 Xxxxxxx Xxxxx Bethlehem, PA 18017] You may contact the State Insurance Department in which this contract is delivered at [(800)123-4567].