Common use of FEES AND DEDUCTIONS Clause in Contracts

FEES AND DEDUCTIONS. ASSET FEE To compensate us for assuming mortality and expense risks, and certain administration expenses, we deduct from each variable Investment Option a fee each Valuation Period at an annual rate set forth on the Specifications Page. A portion of this Asset Fee may also be used to reimburse us for distribution expenses. This fee is reflected in the Net Investment Factor used to determine the value of Accumulation Units and Annuity Units of the Contract. ANNUAL FEE To compensate us for assuming certain administrative expenses, we charge an Annual Fee as set forth on the Specifications Page. Prior to the Maturity Date, the Annual Fee is deducted on each Contract Anniversary. It is withdrawn from each Investment Option in the same proportion that the value of the Investment Accounts of each Investment Option bears to the Contract Value. If the Contract Value is totally withdrawn on any date other than the Contract Anniversary, we will deduct the total amount of the Annual Fee from the amount paid. After the Maturity Date, the Annual Fee is deducted on a pro rata basis from each annuity payment. TAXES We reserve the right to charge certain taxes against your Payments (either at the time of payment or liquidation), Contract Value, payment of Death Benefit, or annuity payments, as appropriate. Such taxes may include premium taxes or other taxes levied by any government entity which we, in our sole discretion, determine have resulted from the establishment or maintenance of the Variable Account, or from the receipt by us of Payments, or from the issuance of this Contract, or from the commencement or continuance of annuity payments under this Contract.

FEES AND DEDUCTIONS. ASSET FEE To compensate us for assuming mortality and expense risks, and certain administration expenses, we deduct from each variable Investment Option a fee each Valuation Period at an annual rate set forth on the Specifications Page. A portion of this Asset Fee may also be used to reimburse us for distribution expenses. This fee is reflected in the Net Investment Factor used to determine the value of Accumulation Units and Annuity Units of the Contract. ANNUAL FEE To compensate us for assuming certain administrative expenses, we may charge an Annual Fee as set forth if specified on the Specifications Page. The Annual Fee deducted from the Fixed Investment Accounts will not exceed $30. Prior to the Maturity Date, the Annual Fee is deducted on each Contract Anniversary. It is withdrawn from each Investment Option in the same proportion that the value of the Investment Accounts of each Investment Option bears to the Contract Value. If the Contract Value is totally withdrawn on any date other than the Contract Anniversary, we will deduct the total amount of the Annual Fee from the amount paid. After the Maturity Date, the Annual Fee is deducted on a pro rata basis from each annuity payment. However, the Annual Fee will not reduce the annuity payments below the amount that would result from the application of the annuity payment rates stated in Part 13, Payment of Contract Benefits. TAXES We reserve the right to charge certain taxes against your Payments (either at the time of payment or liquidation), Contract Value, payment of Death Benefit, or annuity payments, as appropriate. Such taxes may include premium taxes or other taxes levied by any government entity which we, in our sole discretion, determine have resulted from the establishment or maintenance of the Variable Account, or from the receipt by us of Payments, or from the issuance of this Contract, or from the commencement or continuance of annuity payments under this Contract.

FEES AND DEDUCTIONS. ASSET FEE To compensate us for assuming mortality and expense risks, and certain administration expenses, we deduct from each variable Investment Option a fee each Valuation Period at an annual rate set forth on the Specifications Page. A portion of this Asset Fee may also be used to reimburse us for distribution expenses. This fee is reflected in the Net Investment Factor used to determine the value of Accumulation Units and Annuity Units of the Contract. ANNUAL FEE To compensate us for assuming certain administrative expenses, we charge an Annual Fee as set forth on the Specifications Page. Prior to the Maturity Date, the Annual Fee is deducted on each Contract Anniversary. It is withdrawn from each Investment Option in the same proportion that the value of the Investment Accounts of each Investment Option bears to the Contract Value. If the Contract Value is totally withdrawn on any date other than the Contract Anniversary, we will deduct the total amount of the Annual Fee from the amount paid. After the Maturity Date, the Annual Fee is deducted on a pro rata basis from each annuity payment. However, the Annual Fee will not reduce the annuity payments below the amount that would result from the application of the annuity payment rates stated in Part 13, Payment of Contract Benefits. TAXES We reserve the right to charge certain taxes against your Payments (either at the time of payment or liquidation), Contract Value, payment of Death Benefit, or annuity payments, as appropriate. Such taxes may include premium taxes or other taxes levied by any government entity which we, in our sole discretion, determine have resulted from the establishment or maintenance of the Variable Account, or from the receipt by us of Payments, or from the issuance of this Contract, or from the commencement or continuance of annuity payments under this Contract.

FEES AND DEDUCTIONS. ASSET FEE To compensate us for assuming mortality and expense risks, and certain administration expenses, we deduct from each variable Investment Option a fee each Valuation Period at an annual rate set forth on the Specifications Pageof 1.40%. A portion of this Asset Fee may also be used to reimburse us for distribution expenses. This fee is reflected in the Net Investment Factor used to determine the value of Accumulation Units and Annuity Units of the Contract. ANNUAL ADMINISTRATION FEE To compensate us for assuming certain administrative expenses, we charge an Annual Administration Fee as set forth on the Specifications Pageequal to $30 per year. Prior to the Maturity Date, the $30 Annual Administration Fee is deducted on each Contract Anniversary. It is withdrawn from each Investment Option in the same proportion that the value of the Investment Accounts of each Investment Option bears to the Contract Value. If the Contract Value is totally withdrawn on any date other than the Contract Anniversary, we will deduct the total amount of the $30 Annual Administration Fee from the amount paid. After During the Maturity Dateannuity period, the $30 Annual Administration Fee is deducted on a pro rata basis from each annuity payment. Prior to the Maturity Date, when the Annual Administration Fee is to be assessed, if the sum of all Investment Accounts exceeds $100,000.00, the $30 Annual Administration Fee will be waived. TAXES We reserve the right to charge certain taxes against your Payments (either at the time of payment or liquidation), Contract Value, payment of Death Benefit, Benefit or annuity payments, as appropriate. Such taxes may include any premium taxes or other taxes levied by any government entity which we, in our sole discretion, determine have resulted from the establishment or maintenance of the Variable Account, or from the receipt by us of Payments, or from the issuance of this Contract, or from the commencement or continuance of annuity payments under this Contract.

FEES AND DEDUCTIONS. ASSET FEE To compensate us for assuming mortality and expense risks, and certain administration expenses, we deduct from each variable Investment Option a fee each Valuation Period at an annual rate set forth on the Specifications Page. A portion of this Asset Fee may also be used to reimburse us for distribution expenses. This fee is reflected in the Net Investment Factor used to determine the value of Accumulation Units and Annuity Units of the Contract. ANNUAL FEE To compensate us for assuming certain administrative expenses, we may charge an Annual Fee as set forth if specified on the Specifications Page. The Annual Fee deducted from the Fixed Investment Accounts will not exceed the lesser of the Annual Fee on the Specifications Page or $50. Prior to the Maturity Date, the Annual Fee is deducted on each Contract Anniversary. It is withdrawn from each Investment Option in the same proportion that the value of the Investment Accounts of each Investment Option bears to the Contract Value. If the Contract Value is totally withdrawn on any date other than the Contract Anniversary, we will deduct the total amount of the Annual Fee from the amount paid. After the Maturity Date, the Annual Fee is deducted on a pro rata basis from each annuity payment. However, the Annual Fee will not reduce the annuity payments below the amount that would result from the application of the annuity payment rates stated in Part 13, Payment of Contract Benefits. TAXES We reserve the right to charge certain taxes against your Payments (either at the time of payment or liquidation), Contract Value, payment of Death Benefit, or annuity payments, as appropriate. Such taxes may include premium taxes or other taxes levied by any government entity which we, in our sole discretion, determine have resulted from the establishment or maintenance of the Variable Account, or from the receipt by us of Payments, or from the issuance of this Contract, or from the commencement or continuance of annuity payments under this Contract.