Common use of Partial Withdrawals Clause in Contracts

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. The Owner must elect the Sub-Account(s) from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment are subject to terms of the Rider. The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) The following terms apply:

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. Partial withdrawals are subject to the Withdrawal Charge. The Owner must elect the Sub-Account(s) Account or combination of them, from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment are subject to terms of the Rider. ICC13-J777 11 The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount amount* - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) *Withdrawal amount subject to a Withdrawal Charge. The following terms apply:

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. Partial withdrawals are subject to the Withdrawal Charge. The Owner must elect the Sub-Account(s) Account or combination of them, from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment Strategy are subject to terms of the Rider. The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Strategy Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment Strategy may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount amount* - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) *Withdrawal amount subject to a Withdrawal Charge. The following terms apply:

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. The Owner must elect the Sub-Account(s) Account or combination of them, from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment Strategy are subject to terms of the Rider. ICC16-J100 11 The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Strategy Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment Strategy may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount amount* - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) The following terms apply:

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. The Owner must elect the Sub-Account(s) Account or combination of them, from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment Strategy are subject to terms of the Rider. J100-ny 11 The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Strategy Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment Strategy may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) The following terms apply:

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. The Owner must elect the Sub-Account(s) Account or combination of them, from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment Strategy are subject to terms of the Rider. J100-ny 11 The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Strategy Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment Strategy may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount amount* - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) The following terms apply:

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. The Owner must elect the Sub-Account(s) from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment are subject to terms of the Rider. J466ny 11 The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) The following terms apply:

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. The Owner must elect the Sub-Account(s) Account or combination of them, from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment Strategy are subject to terms of the Rider. ICC16-J100 11 The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Strategy Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment Strategy may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) The following terms apply:

Partial Withdrawals. The Owner, by Request, may make a partial withdrawal from the Annuity Account Value during the Accumulation Period. The Owner must elect the Sub-Account(s) from which a partial withdrawal is to be made and the amount to be withdrawn from each Sub-Account. Partial withdrawals from the Income Segment are subject to terms of the Rider. ICC14-J465 11 The minimum partial withdrawal amount is $500. After any partial withdrawal, if the remaining Investment Segment Account Value is less than $2,000, and no contributions have been made for at least two years, then a full surrender of the Investment Segment may be required. The Annuity Account Value will be reduced by the partial withdrawal amount and the guaranteed minimum death benefit, if applicable, will be reduced on a pro-rated basis. Numerical Example Sum of Contract Contributions = $50,000 Annuity Account Value = $40,000 Withdrawal amount - $4,000 Adjustment = $36,000 ($40,000 - $4,000)/$40,000 = 0.90 Guaranteed Minimum Death Benefit = $45,000 ($50,000 x 0.90) The following terms apply: