Common use of Joint Annuitant Clause in Contracts

Joint Annuitant. The person named as Joint Annuitant upon whose life, together with the Annuitant, Annuity Payments may be determined. If Joint Annuitants are named, all references to Annuitant shall mean the Joint Annuitants. JOINT OWNER If more than one Owner has been designated, each Owner shall be a Joint Owner of the contract. Joint Owners have equal ownership rights and must both authorize any exercising of those ownership rights unless otherwise permitted by us. MARKET VALUE ADJUSTMENT ("MVA") The adjustment made to any amount you withdraw, surrender, apply to provide Annuity Payments, or transfer from the Guaranteed Term Account prior to the Renewal Date. This adjustment may be positive or negative and reflects the impact of changes in applicable interest rates between the time the Purchase Payment, transfer, or renewal is allocated to the Guaranteed Term Account and the time of the withdrawal, surrender, Annuity Payment election or transfer. MATURITY DATE The date this contract matures. The Maturity Date will be the first of the month following the later of: (a) the Annuitant's 85th birthday; or (b) ten years after the Contract Date. OWNER The person(s) who has (have) all rights under this contract. If your contract names Joint Owners, Owner means both Joint Owners. Any named Owner must be under the age of 91 as of your Contract Date. If your contract allows you to change Owners after the contract is issued, any new Owners must be under the age of 91 at the time of change or addition. PURCHASE PAYMENTS Amounts paid to us as consideration for the benefits provided by this contract. RENEWAL DATE The first day following the last day of any Guarantee Period in the Guaranteed Term Account. If this date is not a Valuation Date, the renewal will process on the next available Valuation Date. SUB-ACCOUNT The subdivisions of the Variable Account to which you may allocate your Purchase Payments or transfers. The assets of the Sub-Accounts are invested in the corresponding Funds. SURRENDER VALUE The amount payable to you on surrender of this contract. The Surrender Value is equal to the Contract Value less the annual maintenance fee, if any, and adjusted for any applicable MVA and deferred sales charge. SWAP RATE The weekly average of the 'Interest Rate Swap' rates as reported in Federal Reserve Bulletin Release H.15. VALUATION DATE Any date on which a Fund is valued. VALUATION PERIOD The period between successive Valuation Dates. VARIABLE ACCOUNT The separate investment account(s) named on page one and used for this class of contracts under Minnesota law. The Variable Account is comprised of several Sub-Accounts. The assets of the Variable Account are ours and are not subject to claims arising out of any other business of ours. WE, OUR, US Minnesota Life Insurance Company. WRITTEN REQUEST A written notice, signed by you, in a form approved by or acceptable to us. In some cases, we may require that this contract be sent in with your Written Request. YOU, YOUR The person named as the Owner or Joint Owner. GENERAL PROVISIONS

Joint Annuitant. The person named as Upon the death of either the Annuitant or Joint Annuitant upon whose life, together with Partial withdrawals can impact the Annuitant, Annuity Payments will amount of the death benefit. continue to be paid during the remaining lifetime of the survivor. WITHDRAWAL CHARGE -- Upon withdrawal If at the last death of the Annuitant of all or a portion of the Account and the Joint Annuitant, there have Value, a Withdrawal Charge as set been less than 10 years of Annuity forth on the Contract schedule may be determinedPayments made as selected, Xxxxxxx assessed. If Joint Annuitants are namedUnder certain Payments will continue to be made for circumstances, all references to Annuitant shall mean described on the Joint Annuitants. JOINT OWNER If more than one Owner has been designated, each Owner shall be a Joint Owner the remainder of the contractGuaranteed Contract schedule, a withdrawal may Period. Joint Owners You may elect to have equal ownership rights and must both authorize any exercising the be made without the imposition of those ownership rights unless otherwise permitted by usa present value of the guaranteed Withdrawal Charge. MARKET VALUE ADJUSTMENT ("MVA") The adjustment made to any amount you withdrawVariable Annuity Payments remaining, surrenderas of the date due proof of the For a partial withdrawal, apply to provide the Annuitant's death is received at our Withdrawal Charge will be deducted Annuity PaymentsService Office, commuted at from the remaining Account Value, if the Assumed Investment Return sufficient, or transfer from the Guaranteed Term Account amount selected. We will require the return withdrawn. of this Contract and proof of death prior to the Renewal Datepayment of any commuted values. This adjustment may be positive or negative and reflects ANNUITY PROVISIONS ANNUITY DATE -- The Annuity Date is ANNUITY -- You can elect to have the impact of changes in applicable interest rates between shown on the time the Purchase Payment, transfer, or renewal is allocated Contract Schedule. Prior Annuity Option payable as Fixed to the Guaranteed Term Account and Annuity Date, you may, subject Annuity Payments or Variable Annuity to the time Annuity Requirements set forth Payments or a combination. Fixed on the Contract Schedule, change the Annuity Payments are guaranteed as to Annuity Date upon thirty (30) days dollar amount. Variable Annuity prior Notice to us. Payments will reflect the investment experience of the withdrawalSeparate Account in ELECTION OF ANNUITY OPTION -- The accordance with the allocation of the Annuity Option is elected by you. If Account Value to the Subaccounts. no Annuity Option is elected, surrenderOption Unless another payee is designated, 2--Life Annuity Payment election or transfer. MATURITY DATE The date this contract matures. The Maturity Date with Ten (10) Years you will be the first payee of the month following Annuity of Annuity Payments Guaranteed will Payments. automatically be applied. Upon thirty (30) days Notice prior to the later of: (a) Annuity The Adjusted Account Value will be Date you may change the Annuitant's 85th birthday; or (b) ten years after Annuity applied to the Contract applicable Fixed Option. and/or Variable Annuity Tables to determine your first Annuity Payment. The Adjusted Account Value is determined on the Annuity Calculation Date which is a Business Day no more than five Business Days prior to the Annuity Date. OWNER The person(sAdjusted Account Value is the Account Value, less any 6010 (3/07) who has 9 Premium and Other Taxes or other Assumed Investment Return (havewhich must applicable taxes and less the Account be acceptable to us) all rights under to be used at Fee. The amount of the first payment the time this contractContract is issued. for each $1,000 of Adjusted Account Upon thirty (30) days Notice, prior Value is shown in the Annuity Tables. to the Annuity Date, you may change the selected Assumed Investment If, as of the Annuity Calculation Return. If your contract names Joint Owners, Owner means both Joint Owners. Any named Owner must be under the age of 91 as of your Contract Date. If your contract allows you to change Owners after the contract is issued, any new Owners must be under the age of 91 at the time of change or addition. PURCHASE PAYMENTS Amounts paid to us as consideration for the benefits provided by this contract. RENEWAL DATE The first day following the last day of any Guarantee Period in the Guaranteed Term Account. If this date is do not a Valuation select an Date, the renewal will process on then current Annuity rates Assumed Investment Return, the next available Valuation Date. SUB-ACCOUNT The subdivisions of the Variable Account applicable to which you may allocate your Purchase Payments or transfers. The assets of the Sub-Accounts are invested in the corresponding Funds. SURRENDER VALUE The amount payable to you on surrender of this contract. The Surrender Value is equal to the Contract Value less the annual maintenance fee, if any, and adjusted for any applicable MVA and deferred sales charge. SWAP RATE The weekly average of the 'Interest Rate Swap' rates as reported in Federal Reserve Bulletin Release H.15. VALUATION DATE Any date on which a Fund is valued. VALUATION PERIOD The period between successive Valuation Dates. VARIABLE ACCOUNT The separate investment account(s) named on page one and used for this class of contracts Assumed Investment Return will be the provide an Income Payment greater one shown in the Annuity Requirements than the one guaranteed under Minnesota lawthis on the Contract Schedule. Contract for the same Annuity Option, then the greater payment will be made. FREQUENCY AND AMOUNT OF ANNUITY PAYMENTS -- Annuity Payments will be FIXED ANNUITY -- Fixed Annuity paid as monthly installments or at Payments are based upon the Annuity any frequency acceptable to you and Option elected, the Annuitant's us. The Variable Adjusted Account Value on the Attained Age and sex, and the Annuity Calculation Date is comprised of several Sub-Accountsapplied appropriate Fixed Annuity Option to the Annuity Table for the Annuity Table. The assets If, as of the Variable Annuity Option elected. If the amount of the Calculation Date, the then-current Adjusted Account are ours and are not subject Value to claims arising out be applied Fixed Annuity Option rates applicable under an Annuity Option is less than to this class of contracts provide an $5,000, we reserve the right to make Annuity Payment greater than that one lump sum payment in lieu of which is guaranteed under the same Annuity Payments. If the amount of Annuity Option under this Contract, any other business of oursAnnuity Payment would be or then the greater payment will be made. WE, OUR, US Minnesota Life Insurance Company. WRITTEN REQUEST A written notice, signed by you, in a form approved by or acceptable to us. In some casesbecomes less than $100, we may require reduce the frequency of payments to an VARIABLE ANNUITY -- Variable Annuity interval which will result in each Payments are not predetermined as to payment being at least $100. dollar amount; and will increase or decrease in proportion to the amount ANNUITY PAYMENT GUARANTEE -- We that the Net Investment Factor guarantee that the dollar amount of exceeds the Assumed Investment Return each Variable Annuity Payment after selected. the first Annuity Payment will not be affected by variations in actual The dollar amount of the first mortality experience or expenses, but Variable Annuity Payment is only by investment experience. The determined as follows. The first amount of each Fixed Annuity Payment Variable Annuity Payment will be will not change. based upon the Annuity Option elected, the Annuitant's Attained Age BASIS OF PAYMENTS -- The Annuity and sex, and the appropriate Variable Tables are based on the tables Annuity Option Table. If, as of the defined under the Annuity Annuity Calculation Date, the then Requirements set forth on the current Variable Annuity Option rates Contract Schedule. applicable to this contract class of Contracts provide a first Annuity Payment greater than that which is guaranteed SUSPENSION OR DEFERRAL OF PAYMENTS OR under the same Annuity Option under TRANSFERS FROM THE SEPARATE ACCOUNT this Contract, the greater payment We reserve the right to suspend or will be sent in with your Written Requestmade. YOU, YOUR postpone payments for a withdrawal or transfer for any period when: The person named dollar amount of Variable Annuity Payments for each applicable 1. the New York Stock Exchange is Subaccount after the first payment is closed (other than customary determined as the Owner or Joint Owner. GENERAL PROVISIONSfollows: weekend and holiday closings);

Joint Annuitant. The person named as in the application and in the Contract Data Page upon whose life the payout of this annuity is based and who will receive annuity payouts. If you select a Joint Annuitant, “Annuitant” means the older Joint Annuitant upon whose life, together with or the sole surviving Joint Annuitant, Annuity Payments may be determined. If Joint Annuitants are named, all references to Annuitant shall mean the Joint Annuitants. JOINT OWNER If more than must be one Owner has been designated, each Owner shall be a Joint Owner another’s Spouse as of the contract. Joint Owners have equal ownership rights and must both authorize any exercising of those ownership rights unless otherwise permitted by us. MARKET VALUE ADJUSTMENT ("MVA") The adjustment made to any amount you withdraw, surrender, apply to provide Annuity Payments, or transfer from the Guaranteed Term Account prior to the Renewal Date. This adjustment may be positive or negative and reflects the impact of changes in applicable interest rates between the time the Purchase Payment, transfer, or renewal is allocated to the Guaranteed Term Account and the time of the withdrawal, surrender, Annuity Payment election or transfer. MATURITY DATE The date this contract matures. The Maturity Date will be the first of the month following the later of: (a) the Annuitant's 85th birthday; or (b) ten years after the Contract Date. OWNER The person(s) who has (have) all rights under this contract. If your contract names Joint Owners, Owner means both Joint Owners. Any named Owner must be under the age of 91 as of your Contract Effective Date. If your contract allows you to change Owners after a Contingent Annuitant is named, then the contract is issued, any new Owners must Annuitant will be under considered the age of 91 at primary Annuitant. Annuity Account - An account that reflects the time of change or addition. PURCHASE PAYMENTS Amounts paid to us as consideration for the benefits provided by this contract. RENEWAL DATE The first day following the last day of any Guarantee Period Owner’s interests in the Guaranteed Term AccountSub-Accounts in both the Investment Segment and Income Segment. If this date is not a Valuation Date, Annuity Account Value - The total value of all the renewal will process on Owner’s interests in the next available Valuation Date. SUBSub-ACCOUNT The subdivisions of Accounts in both the Variable Account to which you may allocate your Purchase Payments or transfersInvestment Segment and Income Segment. The assets Annuity Account Value is credited with a return based upon investment experience of the Sub-Accounts are invested in Account(s) selected by the corresponding FundsOwner and will increase and decrease accordingly. SURRENDER VALUE Annuity Commencement Date - The amount payable to you date annuity payouts begin, as shown on surrender of this contractthe Contract Data Page, which is either the Payout Election Date or the Annuitant’s 99th birthday if no Payout Election Date has been established. The Surrender Value Owner may change the Annuity Commencement Date if annuity payouts have not already begun. Upon death of the Owner, the Beneficiary may change the Annuity Commencement Date only if the Beneficiary is equal the Owner’s surviving Spouse and elects to continue the Contract. In all cases, the Annuity Commencement Date must occur prior to the Contract Value less the annual maintenance fee, if any, and adjusted for any applicable MVA and deferred sales chargeAnnuitant’s 99th birthday. SWAP RATE The weekly average of the 'Interest Rate Swap' rates as reported in Federal Reserve Bulletin Release H.15. VALUATION DATE Any date on which a Fund is valued. VALUATION PERIOD J466-NYrev 4 Annuity Payout Period - The period between successive Valuation Dates. VARIABLE ACCOUNT The separate investment account(s) named beginning on page one the Annuity Commencement Date and used for continuing until all annuity payouts have been made under this class of contracts under Minnesota law. The Variable Account is comprised of several Sub-Accounts. The assets of the Variable Account are ours and are not subject to claims arising out of any other business of ours. WE, OUR, US Minnesota Life Insurance Company. WRITTEN REQUEST A written notice, signed by you, in a form approved by or acceptable to us. In some cases, we may require that this contract be sent in with your Written Request. YOU, YOUR The person named as the Owner or Joint Owner. GENERAL PROVISIONSContract.

Joint Annuitant. The person named as in the application and in the Contract Data Page upon whose life the payout of this annuity is based and who will receive annuity payouts. If you select a Joint Annuitant, “Annuitant” means the older Joint Annuitant upon whose life, together with or the sole surviving Joint Annuitant, Annuity Payments may be determined. If Joint Annuitants are named, all references to Annuitant shall mean the Joint Annuitants. JOINT OWNER If more than must be one Owner has been designated, each Owner shall be a Joint Owner another’s Spouse as of the contract. Joint Owners have equal ownership rights and must both authorize any exercising of those ownership rights unless otherwise permitted by us. MARKET VALUE ADJUSTMENT ("MVA") The adjustment made to any amount you withdraw, surrender, apply to provide Annuity Payments, or transfer from the Guaranteed Term Account prior to the Renewal Date. This adjustment may be positive or negative and reflects the impact of changes in applicable interest rates between the time the Purchase Payment, transfer, or renewal is allocated to the Guaranteed Term Account and the time of the withdrawal, surrender, Annuity Payment election or transfer. MATURITY DATE The date this contract matures. The Maturity Date will be the first of the month following the later of: (a) the Annuitant's 85th birthday; or (b) ten years after the Contract Date. OWNER The person(s) who has (have) all rights under this contract. If your contract names Joint Owners, Owner means both Joint Owners. Any named Owner must be under the age of 91 as of your Contract Effective Date. If your contract allows you to change Owners after a Contingent Annuitant is named, then the contract is issued, any new Owners must Annuitant will be under considered the age of 91 at primary Annuitant. Annuity Account - An account that reflects the time of change or addition. PURCHASE PAYMENTS Amounts paid to us as consideration for the benefits provided by this contract. RENEWAL DATE The first day following the last day of any Guarantee Period Owner’s interests in the Guaranteed Term AccountSub-Accounts in both the Investment Segment and Income Segment. If this date is not a Valuation Date, Annuity Account Value - The total value of all the renewal will process on Owner’s interests in the next available Valuation Date. SUBSub-ACCOUNT The subdivisions of Accounts in both the Variable Account to which you may allocate your Purchase Payments or transfersInvestment Segment and Income Segment. The assets Annuity Account Value is credited with a return based upon investment experience of the Sub-Accounts are invested in Account(s) selected by the corresponding FundsOwner and will increase and decrease accordingly. SURRENDER VALUE Annuity Commencement Date - The amount payable to you date annuity payouts begin, as shown on surrender of this contractthe Contract Data Page, which is either the Payout Election Date or the Annuitant’s 99th birthday if no Payout Election Date has been established. The Surrender Value Owner may change the Annuity Commencement Date if annuity payouts have not already begun. Upon death of the Owner, the Beneficiary may change the Annuity Commencement Date only if the Beneficiary is equal the Owner’s surviving Spouse and elects to continue the Contract. In all cases, the Annuity Commencement Date must occur prior to the Contract Value less the annual maintenance fee, if any, and adjusted for any applicable MVA and deferred sales chargeAnnuitant’s 99th birthday. SWAP RATE The weekly average of the 'Interest Rate Swap' rates as reported in Federal Reserve Bulletin Release H.15. VALUATION DATE Any date on which a Fund is valued. VALUATION PERIOD Annuity Payout Period - The period between successive Valuation Datesbeginning on the Annuity Commencement Date and continuing until all annuity payouts have been made under this Contract. VARIABLE ACCOUNT The separate investment account(s) named on page one and used for this class of contracts under Minnesota law. The Variable Account is comprised of several SubJ465-Accounts. The assets of the Variable Account are ours and are not subject to claims arising out of any other business of ours. WE, OUR, US Minnesota Life Insurance Company. WRITTEN REQUEST A written notice, signed by you, in a form approved by or acceptable to us. In some cases, we may require that this contract be sent in with your Written Request. YOU, YOUR The person named as the Owner or Joint Owner. GENERAL PROVISIONSNYrev 4

Joint Annuitant. The person named as Joint Annuitant upon whose life, together on page one and who may receive lifetime benefits with the Annuitant, Annuity Payments may be determined. If Joint Annuitants are named, all references to Annuitant shall mean the Joint Annuitantswill be considered a single entity. JOINT OWNER If more than one Owner has been designated, each Owner shall be a Joint Owner of the contract. Joint Owners have equal ownership rights and must both authorize any exercising of those ownership rights unless otherwise permitted by us. MARKET VALUE ADJUSTMENT ("MVA") The adjustment made to any amount you withdraw, surrender, apply to provide Annuity Payments, or transfer from the Guaranteed Term Account prior to the Renewal Date. This adjustment may be positive or negative and reflects the impact of changes in applicable interest rates between the time the Purchase Payment, transfer, or renewal is allocated to the Guaranteed Term Account and the time of the withdrawal, surrender, Annuity Payment election or transfer. MATURITY DATE The date this contract matures. The Maturity Date will be the first of the month following the later of: (a) the Annuitant's 85th birthday; or (b) ten years after the Contract Date. OWNER The person(s) who has (have) all rights under this contract. If your contract names Joint Owners, Owner means both Joint Owners. Any named Owner must be under the age of 91 as of your Contract Date. If your contract allows you to change Owners after the contract is issued, any new Owners must be under the age of 91 at the time of change or addition. PURCHASE PAYMENTS Amounts paid to us as consideration for the benefits provided by this contract. RENEWAL DATE The first day following the last day of any Guarantee Period in the Guaranteed Term Account. If this date is not a Valuation Date, the renewal will process occur on the next available Valuation Date. SUB-ACCOUNT The subdivisions of the Variable Account to which you may allocate your Purchase Payments or transfers. The assets of the Sub-Accounts are invested in the corresponding Funds. SURRENDER VALUE The amount payable to you on surrender of this contract. The Surrender Value is equal to the Contract Value less the annual maintenance fee, if any, fee and adjusted for any applicable MVA and deferred sales charge. SWAP RATE The weekly average of the 'Interest Rate Swap' rates as reported in Federal Reserve Bulletin Release H.15. VALUATION DATE Any date on which a Fund is valued. VALUATION PERIOD The period between successive Valuation Dates. VARIABLE ACCOUNT The separate investment account(s) named on page one and used for this class of contracts under Minnesota law. The Variable Account is comprised of several Sub-Accounts. The assets of the Variable Account are ours and are not subject to claims arising out of any other business of ours. WE, OUR, US Minnesota Life Insurance Company. WRITTEN REQUEST A written notice, signed by you, in a form approved by or acceptable to us. In some cases, we may require that this contract be sent in with your Written Request. YOU, YOUR The person named as the Owner or Joint Owner. GENERAL PROVISIONSTREASURY RATE