Common use of SUBSTITUTION OF VARIABLE PORTFOLIO Clause in Contracts

SUBSTITUTION OF VARIABLE PORTFOLIO. If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. Substitutions of securities will be carried out in accordance with any applicable state and/or federal laws or regulations. ACCUMULATION PROVISIONS Prior to the Annuity Date, the Contract Value is the sum of the Separate Account Accumulation Value and the Fixed Account Accumulation Value. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Contract shall be the sum of the values of the Accumulation Units held in the Variable Portfolios for the Owner. NUMBER OF ACCUMULATION UNITS Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal to the sum of each Purchase Payment and/or transfer amount allocated to the Variable Portfolio reduced by premium taxes, if any: Divided by The Accumulation Unit value for that Variable Portfolio for the NYSE business day in which the Purchase Payment or transfer amount is allocated. The number of Accumulation Units will be reduced for Withdrawals of Contract Value, annuitizations, amounts transferred out of a Variable Portfolio, the Contract Maintenance Fee and applicable charges for elected features as set forth in endorsements to this contract. Reductions will be made as of the NYSE business day in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Portfolio for any NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where:

SUBSTITUTION OF VARIABLE PORTFOLIO. If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. Substitutions of securities will be carried out in accordance with any applicable state and/or federal laws or regulations. ACCUMULATION PROVISIONS Prior to the Annuity Date, the Contract Certificate Value is the sum of the Separate Account Accumulation Value and the Fixed Account Accumulation Value. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Contract Certificate shall be the sum of the values of the Accumulation Units held in the Variable Portfolios for the OwnerParticipant. NUMBER OF ACCUMULATION UNITS Your Contract Certificate is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal to the sum of each Purchase Payment, any Payment Enhancement and/or transfer amount allocated to the Variable Portfolio Portfolio, reduced by premium taxes, if any: Divided by The Accumulation Unit value for that Variable Portfolio for the NYSE business day in which the Purchase Payment, Payment Enhancement or transfer amount is allocated. The number of Accumulation Units will be reduced for Withdrawals of Contract Certificate Value, annuitizations, amounts transferred out of a Variable Portfolio, the Contract Certificate Maintenance Fee and applicable charges for elected features as set forth in endorsements to this contractCertificate. Reductions will be made as of the NYSE business day in on which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Portfolio for any NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where:

SUBSTITUTION OF VARIABLE PORTFOLIO. If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. Substitutions of securities will be carried out in accordance with any applicable state and/or federal laws or regulations. ACCUMULATION PROVISIONS Prior to the Annuity Date, the Contract Value is the sum of the Separate Account Accumulation Value and the Fixed Account Accumulation Value, if any. If Your Contract Value falls below $2,500, subject to applicable state and federal laws, rules and regulations, we may terminate Your Contract and send you the remaining dollar amount. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Contract shall be the sum of the values of the Accumulation Units held in the Variable Portfolios for the Owner. NUMBER OF ACCUMULATION UNITS Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal to the sum of each Purchase Payment and/or transfer amount allocated to the Variable Portfolio reduced by premium taxes, if any: Divided by The Accumulation Unit value for that Variable Portfolio for the NYSE business day in which the Purchase Payment or transfer amount is allocated. The number of Accumulation Units will be reduced for Withdrawals of Contract Value, annuitizations, amounts transferred out of a Variable Portfolio, the Contract Maintenance Fee and applicable charges for elected optional features as set forth in endorsements to this contractContract. Reductions will be made as of the NYSE business day in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Portfolio for any NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where: