Common use of FIXED ACCOUNT Clause in Contracts

FIXED ACCOUNT. The Fixed Account is part of the Company's general account. The Company manages the general account and guarantees that it will credit interest on Fixed Account Contract Value at an annual rate at least equal to the Guaranteed Rate. This Rate is shown on page 3. GUARANTEE PERIOD Current Interest, if declared, is fixed for rolling periods of one year, referred to as Guarantee Periods. The Guarantee Period that applies to any Fixed Account Contract Value: (1) starts on the date that such Contract Value is allocated to the Fixed Account pursuant to: (a) a Purchase Payment Received by the Company; or (b) an Exchange to the Fixed Account; and (2) ends on the last day of the same month in the year in which the Guarantee Period expires. When any Guarantee Period expires, a new Guarantee Period shall start for such Contract Value on the date that follows such expiration date. Such period shall end on the immediately preceding date in the year in which the Guarantee Period expires. For example, Contract Value exchanged to the Fixed Account on June 1 would have a Guarantee Period starting on that date and ending on June 30 of the following year. A new Guarantee Period for such Contract Value would start on July 1 of that year and end on June 30 of the following year. HOME OFFICE The address of the Company's Home Office is First Security Benefit Life Insurance and Annuity Company of New York, 70 West Red Oak ▇▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇. ▇▇▇▇▇ ▇▇▇▇ The Issue Date is the date the Company uses to determine the date the Contract becomes incontestable. The Issue Date is shown on page 3. Please see "Incontestability" on page 7. JOINT OWNER The Joint Owner, if any, shares an undivided interest in the entire Contract with the Owner. The Joint Owner, if any, is named on page 3. Please see "Joint Ownership" provisions on page 9.

FIXED ACCOUNT. The Fixed Account is part of the Company's general account. The Company manages the general account and guarantees that it will credit interest on Fixed Account Contract Value at an annual rate at least equal to the Guaranteed Rate. This Rate is shown on page 3. GUARANTEE PERIOD Current Interest, if declared, is fixed for rolling periods of one year, referred to as Guarantee Periods. The Guarantee Period that applies to any Fixed Account Contract Value: (1) starts on the date that such Contract Value is allocated to the Fixed Account pursuant to: (a) a Purchase Payment Received by the Company; or (b) an Exchange to the Fixed Account; and (2) ends on the last day of the same month in the year in which the Guarantee Period expires. When any Guarantee Period expires, a new Guarantee Period shall start for such Contract Value on the date that follows such expiration date. Such period shall end on the immediately preceding date in the year in which the Guarantee Period expires. For example, Contract Value exchanged to the Fixed Account on June 1 would have a Guarantee Period starting on that date and ending on June 30 of the following year. A new Guarantee Period for such Contract Value would start on July 1 of that year and end on June 30 of the following year. HOME OFFICE The address of the Company's Home Office is First Security Benefit Life Insurance and Annuity Company of New York, 70 West Red Oak Oa▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇. ▇▇▇▇▇ ▇▇▇▇ The Issue Date is the date the Company uses to determine the date the Contract becomes incontestable. The Issue Date is shown on page 3. Please see "Incontestability" on page 7. JOINT OWNER The Joint Owner, if any, shares an undivided interest in the entire Contract with the Owner. The Joint Owner, if any, is named on page 3. Please see "Joint Ownership" provisions on page 9.

FIXED ACCOUNT. The Fixed Account is part of the Company's general account. The Company manages the general account and guarantees that it will credit interest on Fixed Account Contract Value at an annual rate at least equal to the Guaranteed Rate. This Rate is shown on page 3. GUARANTEE PERIOD Current Interest, if declared, is fixed for rolling periods of one yearor more years, referred to as Guarantee Periods. The Company may offer Guarantee Periods of different durations. The Guarantee Period that applies to any Fixed Account Contract Value: (1) starts on the date that such Contract Value is allocated to the Fixed Account pursuant to: (a) a Purchase Payment Received by the Company; or (b) an Exchange to the Fixed Account; and (2) ends on the last day of the same month in the year in which the Guarantee Period expires. When any Guarantee Period expires, a new Guarantee Period shall start for such Contract Value on the date that follows such expiration date. Such period shall end on the immediately preceding date in the year in which the Guarantee Period expires. For example, assuming a one-year Guarantee Period, Contract Value exchanged to the Fixed Account on June 1 would have a Guarantee Period starting on that date and ending on June 30 of the following year. A new Guarantee Period for such Contract Value would start on July 1 of that year and end on June 30 of the following year. HOME OFFICE The address of the Company's Home Office is First Security Benefit Life Insurance and Annuity Company of New YorkCompany, 70 West Red Oak ▇▇▇▇P.O. Box 750440, ▇▇▇ ▇▇▇▇▇Topeka, ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇Kansas 66675-0440. ▇▇▇▇▇ ▇▇▇▇ ISSUE DATE The Issue Date is the date the Company uses to determine the date the Contract becomes incontestable. The Issue Date is shown on page Page 3. Please see "Incontestability" on page 7. JOINT OWNER The Joint Owner, if any, shares an undivided interest in the entire Contract with the Owner. The Joint Owner, if any, is named on page 3. Please see "Joint Ownership" provisions on page 9.

FIXED ACCOUNT. The Fixed Account is part of the Company's general account. The Company manages the general account and guarantees that it will credit interest on Fixed Account Contract Value at an annual rate at least equal to the Guaranteed Rate. This Rate is shown on page 3. GUARANTEE PERIOD Current Interest, if declared, is fixed for rolling periods of one year, referred to as Guarantee Periods. The Guarantee Period that applies to any Fixed Account Contract Value: (1) starts on the date that such Contract Value is allocated to the Fixed Account pursuant to: (a) a Purchase Payment Received by the Company; or (b) an Exchange to the Fixed Account; and (2) ends on the last day of the same month in the year in which the Guarantee Period expires. When any Guarantee Period expires, a new Guarantee Period shall start for such Contract Value on the date that follows such expiration date. Such period shall end on the immediately preceding date in the year in which the Guarantee Period expires. For example, Contract Value exchanged to the Fixed Account on June 1 would have a Guarantee Period starting on that date and ending on June 30 of the following year. A new Guarantee Period for such Contract Value would start on July 1 of that year and end on June 30 of the following year. HOME OFFICE The address of the Company's Home Office is First Security Benefit Life Insurance and Annuity Company of New York, 70 West Red Oak ▇▇▇▇Lane, ▇▇▇ ▇▇▇▇▇4th Floor, ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇. ▇▇▇▇▇ ▇▇▇▇ The Issue Date is ▇▇▇ ▇▇▇▇▇ ▇▇▇▇ ▇▇ the date the Company uses to determine the date the Contract becomes incontestable. The Issue Date is shown on page 3. Please see "Incontestability" on page 7. JOINT OWNER The Joint Owner, if any, shares an undivided interest in the entire Contract with the Owner. The Joint Owner, if any, is named on page 3. Please see "Joint Ownership" provisions on page 9.

FIXED ACCOUNT. The Fixed Account is part of the Company's general account. The Company manages the general account and guarantees that it will credit interest on Fixed Account Contract Value at an annual rate at least equal to the Guaranteed Rate. This Rate is shown on page 3. GUARANTEE PERIOD Current Interestinterest, if declared, is fixed for rolling periods of one yearor more years, referred to as Guarantee Periods. The Company may offer Guarantee Periods of different durations. The Guarantee Period that applies to any Fixed Account Contract Value: (1) starts on the date that such Contract Value is allocated to the Fixed Account pursuant to: (a) a Purchase Payment Received by the Company; or (b) an Exchange a Transfer to the Fixed Account; and (2) ends on the last day of the same month in the year in which the Guarantee Period expires. When any Guarantee Period expires, a new Guarantee Period shall start for such Contract Value on the date that follows such expiration date. Such period shall end on the immediately preceding date in the year in which the Guarantee Period expires. For example, assuming a one-year Guarantee Period, Contract Value exchanged transferred to the Fixed Account on June 1 would have a Guarantee Period starting on that date and ending on June 30 of the following year. A new Guarantee Period for such Contract Value would start on July 1 of that year and end on June 30 of the following year. HOME OFFICE The address of the Company's Home Office is First Security Benefit Life Insurance and Annuity Company of New YorkCompany, 70 West Red Oak ▇▇▇▇P.O. Box 750497, ▇▇▇ ▇▇▇▇▇Topeka, ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇Kansas 66675-0497. ▇▇▇▇▇ ▇▇▇▇ ISSUE DATE The Issue Date is the date the Company uses to determine the date the Contract becomes incontestable. The Issue Date is shown on page Page 3. Please see "Incontestability" on page 7. JOINT OWNER The Joint Owner, if any, shares an undivided interest in the entire Contract with the Owner. The Joint Owner, if any, is named on page 3. Please see "Joint Ownership" provisions on page 9.