Common use of DOLLAR COST AVERAGING Clause in Contracts

DOLLAR COST AVERAGING. A program that permits the Contract Holder to systematically transfer amounts from one of the available Subaccounts, or an available Fixed Account Guaranteed Term, to one or more of the Subaccounts. If the Contract Holder elects a Fixed Account Guaranteed Term available for Dollar Cost Averaging, no MVA applies to amounts transferred under Dollar Cost Averaging. If Dollar Cost Averaging from a Fixed Account Guaranteed Term is discontinued before the end of the Dollar Cost Averaging period elected, GALIC will automatically transfer the balance to a Guaranteed Term of the same duration and an MVA will apply. The Contract Holder may initiate a Transfer to another investment option and an MVA will apply. If a Guaranteed Term of the same duration is not available, GALIC will transfer the amount to the Guaranteed Term with the next shortest duration. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used. GALIC reserves the right to establish and change terms and conditions governing Dollar Cost Averaging.

DOLLAR COST AVERAGING. A program that permits the Contract Certificate Holder to systematically transfer amounts from one of the available Subaccounts, or an available Fixed Guaranteed Account Guaranteed Term, to one or more of the Subaccounts. If the Contract Certificate Holder elects a Fixed Guaranteed Account Guaranteed Term available for Dollar Cost Averaging, no MVA applies to amounts transferred under Dollar Cost Averaging. If Dollar Cost Averaging from a Fixed Guaranteed Account Guaranteed Term is discontinued before the end of the Dollar Cost Averaging period elected, GALIC Aetna will automatically transfer the balance to a Guaranteed Term of the same duration and an MVA will apply. The Contract Certificate Holder may initiate a Transfer to another investment option and an MVA will apply. If a Guaranteed Term of the same duration is not available, GALIC Aetna will transfer the amount to the Guaranteed Term with the next shortest duration. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used. GALIC Aetna reserves the right to establish and change terms and conditions governing Dollar Cost Averaging.

DOLLAR COST AVERAGING. A program that permits the Contract Certificate Holder to systematically transfer amounts from one of the available Subaccounts, or an available Fixed Guaranteed Account Guaranteed Term, to one or more of the Subaccounts. If the Contract Certificate Holder elects a Fixed Guaranteed Account Guaranteed Term available for Dollar Cost Averaging, no MVA applies to amounts transferred under Dollar Cost Averaging. If Dollar Cost Averaging from a Fixed Guaranteed Account Guaranteed Term is discontinued before the end of the Dollar Cost Averaging period elected, GALIC Aetna will automatically transfer the balance to a Guaranteed Term of the same duration and an MVA will apply. The Contract Certificate Holder may initiate a Transfer transfer to another investment option and an MVA will apply. If a Guaranteed Term of the same duration is not available, GALIC Aetna will transfer the amount to the Guaranteed Term with the next shortest duration. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used. GALIC Aetna reserves the right to establish and change terms and conditions governing Dollar Cost Averaging.

DOLLAR COST AVERAGING. A program that permits the Contract Certificate Holder to systematically transfer amounts from one of the available Subaccounts, or an available Fixed Account Guaranteed Term, to one or more of the Subaccounts. If the Contract Certificate Holder elects a Fixed Account Guaranteed Term available for Dollar Cost Averaging, no MVA applies to amounts transferred under Dollar Cost Averaging. If Dollar Cost Averaging from a Fixed Account Guaranteed Term is discontinued before the end of the Dollar Cost Averaging period elected, GALIC will automatically transfer the balance to a Guaranteed Term of the same duration and an MVA will apply. The Contract Certificate Holder may initiate a Transfer to another investment option and an MVA will apply. If a Guaranteed Term of the same duration is not available, GALIC will transfer the amount to the Guaranteed Term with the next shortest duration. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used. GALIC reserves the right to establish and change terms and conditions governing Dollar Cost Averaging.

DOLLAR COST AVERAGING. A program that permits the Contract Certificate Holder to systematically transfer amounts from one of the available Subaccounts, or an available Fixed Account Guaranteed Term, to one or more of the Subaccounts. If the Contract Certificate Holder elects a Fixed Account Guaranteed Term available for Dollar Cost Averaging, no MVA applies to amounts transferred under Dollar Cost Averaging. If Dollar Cost Averaging from a Fixed Account Guaranteed Term is discontinued before the end of the Dollar Cost Averaging period elected, GALIC will automatically transfer the balance to a Guaranteed Term of the same duration and an MVA will apply. The Contract Certificate Holder may initiate a Transfer to another investment option and an MVA will apply. If a Guaranteed Term of the same duration is not available, GALIC will transfer the amount to the Guaranteed Term with the next shortest duration. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used. GALIC reserves the right to establish and change terms and conditions governing Dollar Cost Averaging.. <PAGE>