Common use of UNDERLYING FUND Clause in Contracts

UNDERLYING FUND. The Underlying Fund is the underlying investment portfolios in which the Variable Portfolio(s) invest. Table of Contents A Variable Portfolio is one or more divisions of the Separate Account which provides for the variable investment options available under this Contract. Each Variable Portfolio has its own investment objective and is invested in the Underlying Fund(s). A Variable Portfolio is not chargeable with liabilities arising out of any other Variable Portfolio. We, Our, Us, The Company refers to The United States Life Insurance Company in the City of New York. Withdrawals are any amount(s) withdrawn by the Owner from the Contract Value, including any charges that include but are not limited to Withdrawal Charges, applicable to each such Withdrawal. Written or In Writing refers to a written request or notice in acceptable form and content to Us, which is signed and dated and is received at Our Annuity Service Center. You, Your refers to the Owner. PURCHASE PAYMENT PROVISIONS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received at Our Annuity Service Center before the Purchase Payment Age Limit, as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right, upon advance notice to You, to: 1) limit the maximum amount of Purchase Payments; and 2) discontinue acceptance of any subsequent Purchase Payment(s) received on or after the first Contract Anniversary, if an optional guaranteed living benefit is elected. We will apply these limitations in a uniform and non-discriminatory manner. Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s), if available, must be transferred to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of the DCA program, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. We reserve the right to impose a maximum contribution level on Purchase Payments allocated to a DCA Fixed Account Option(s) and/or change the terms and conditions of the DCA program at any time. We reserve the right to cease offering DCA Fixed Account Option(s). Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The minimum contribution amount that may be allocated to the DCA Fixed Account Option(s) is $600 for the 6 month DCA and $1,200 for the 1 year DCA. Table of Contents 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. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions may be necessary and will be carried out in accordance with any applicable state and/or federal laws or regulations.

UNDERLYING FUND. The Underlying Fund is the underlying variable investment portfolios options in which the corresponding Variable Portfolio(s) invest. Table VARIABLE ANNUITIZATION A series of Contents A periodic income payments which vary in amount according to the investment experience of one or more Variable Portfolio is one Portfolios, as selected by You. This Contract provides several variable annuity payment options. One or more divisions of the Separate Account which provides for the variable investment options available under this Contract. Each Variable Portfolio has its own investment objective and is invested in the Underlying Fund(s)) of the trusts. A Variable Portfolio is not chargeable with liabilities arising out of any other Variable Portfolio. We, Our, Us, The Company refers to The United States Life Insurance Company available Variable Portfolios are shown on the Application or confirmation thereof. Additional Variable Portfolios may become available in the City of New Yorkfuture. Withdrawals are any amount(sWE, OUR, US, THE COMPANY AIG SunAmerica Life Assurance Company. WITHDRAWAL(S) Amount(s) withdrawn by the Owner from the Contract Value, Value including any charges that include but are not limited to Withdrawal Charges, and fees applicable to each such Withdrawalwithdrawal. Written or In Writing refers to a written request or notice in acceptable form and content to UsYOU, which is signed and dated and is received at Our Annuity Service Center. You, Your refers to the YOUR The Owner. PURCHASE PAYMENT PROVISIONS PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received at Our Annuity Service Center before the Purchase Payment Age Limit, as shown on the Contract Data Pageolder Owner's [86th] birthday. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right, upon advance notice right to You, to: 1specify the minimum or maximum Purchase Payment that may be allocated to a Variable Portfolio or available Fixed Account Option under the Contract. AS-981 (5/06) limit the maximum amount of Purchase Payments; and 2) discontinue acceptance of any subsequent Purchase Payment(s) received on or after the first Contract Anniversary, if an optional guaranteed living benefit is elected. We will apply these limitations in a uniform and non-discriminatory manner. DCA FIXED ACCOUNT Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s), if available, ) must be transferred out to the Variable Portfolio(s) within the specified DCA Fixed Account Option periodPeriod. Upon termination of the DCA program, program any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. We reserve the right to impose a maximum contribution level on Purchase Payments allocated to a DCA Fixed Account Option(s) and/or change the terms and conditions of the DCA program at any time. We reserve the right to cease offering DCA Fixed Account Option(s). Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The We reserve the right to impose a minimum or maximum contribution amount that may be level on Purchase Payments allocated to the a DCA Fixed Account Option(s) is $600 for and/or change the 6 month terms and conditions of the DCA and $1,200 for the 1 year DCAprogram at any time. Table of Contents CHANGES TO VARIABLE PORTFOLIO OFFERINGS 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. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions may be necessary and of securities will be carried out in accordance with any applicable state and/or federal laws or regulations.

UNDERLYING FUND. The Underlying Fund is the underlying variable investment portfolios options in which the corresponding Variable Portfolio(s) invest. Table A series of Contents A periodic income payments which vary in amount according to the investment experience of one or more Variable Portfolio is one Portfolios, as selected by You. This Contract provides several variable annuity payment options. One or more divisions of the Separate Account which provides for the variable investment options available under this Contract. Each Variable Portfolio has its own investment objective and is invested in the Underlying Fund(s)) of the trusts. A Variable Portfolio is not chargeable with liabilities arising out of any other Variable Portfolio. WeThe available Variable Portfolios are shown on the Application. Additional Variable Portfolios may become available in the future. The Variable Portfolios may also be referred to as a Variable Subaccount and/or Subaccount. WE, OurOUR, UsUS, The Company refers to The United States THE COMPANY First SunAmerica Life Insurance Company in the City of New YorkCompany. Withdrawals are any amount(sWITHDRAWAL(S) Amount(s) withdrawn by the Owner from the Contract Value, Value including any charges that include but are not limited to Withdrawal Charges, and fees applicable to each such Withdrawalwithdrawal. Written or In Writing refers to a written request or notice in acceptable form and content to UsYOU, which is signed and dated and is received at Our Annuity Service Center. You, Your refers to the YOUR The Owner. PURCHASE PAYMENT PROVISIONS PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received at Our Annuity Service Center before the Purchase Payment Age Limit, as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated in accordance with instructions from You to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve The minimum Purchase Payment that may be allocated to a Variable Portfolio or available Fixed Account Option under the rightContract is $100. Subject to prior Company approval, upon advance notice to You, to: 1) limit the maximum amount of all Purchase Payments; Payments made to the Contract may not exceed $1,000,000. DOLLAR COST AVERAGING PROGRAM To facilitate a dollar cost averaging program, a source account and 2target account(s) discontinue acceptance of must be identified. Subject to Company disclosed restrictions, a source account can be any subsequent Purchase Payment(savailable 1-year fixed account, available fixed accounts designed to facilitate Dollar Cost Averaging (DCA Fixed Accounts) received on or after the first Contract Anniversary, if an optional guaranteed living benefit is electeda Variable Portfolio. We will apply these limitations in The target account must be a uniform and non-discriminatory mannerVariable Portfolio. Any portion of a Purchase Payment allocated to the any available DCA Fixed Account Option(s), if available, Options must be transferred out to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of a DCA program using the DCA programFixed Account as a source account, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. We reserve the right to impose a maximum contribution level on Purchase Payments allocated to If money remains in a DCA Fixed Account Option(s) and/or change at the terms and conditions time of the DCA program at any time. We reserve the right to cease offering DCA Fixed Account Option(s). Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) that amount will be applied to towards a Fixed Annuitization. The unit values credited and applied to Your your Contract are determined on each the date of transfer. The minimum contribution amount that may be allocated to the 6-month DCA Fixed Account Option(s) Option is $600 for 600. The minimum amount that may be allocated to the 6 12-month DCA and Fixed Account Option is $1,200 1,200. If market conditions exist such that we are not able to credit at least the Minimum Guarantee Rate for Fixed Account Options shown on Contract Data Page, we reserve the 1 year DCAright to cease offering DCA Fixed Account Options. Table We will notify you 30 days before the end of Contents 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. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions may be necessary and will be carried out in accordance with any applicable state and/or federal laws or regulationsa Fixed Account Option if we exercise this right.

UNDERLYING FUND. The Underlying Fund is the underlying variable investment portfolios options in which the corresponding Variable Portfolio(s) invest. Table VARIABLE ANNUITIZATION A series of Contents A periodic income payments which vary in amount according to the investment experience of one or more Variable Portfolio is one Portfolio, as selected by You. This Contract provides several variable annuity payment options. VARIABLE PORTFOLIO One or more divisions of the Separate Account Account, which provides for the variable investment options available under this Contract. Each Variable Portfolio has its own investment objective and is invested in the Underlying Fund(s)) of the trusts. A Variable Portfolio is not chargeable with liabilities arising out of any other Variable Portfolio. We, Our, Us, The Company refers to The United States Life Insurance Company available Variable Portfolios are shown on the Application. Additional Variable Portfolios may become available in the City of New Yorkfuture. Withdrawals are any amount(sWE, OUR, US, THE COMPANY AIG SunAmerica Life Assurance Company. WITHDRAWAL(S) Amount(s) withdrawn by the Owner from the Contract Value, Value including any charges that include but are not limited to Withdrawal Charges, and fees applicable to each such Withdrawal. Written or In Writing refers to a written request or notice in acceptable form and content to UsYOU, which is signed and dated and is received at Our Annuity Service Center. You, Your refers to the YOUR The Owner. PURCHASE PAYMENT PROVISIONS PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received at Our Annuity Service Center before the Purchase Payment Age Limit, as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated in accordance with instructions from You to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right, upon advance notice right to You, to: 1) limit specify the minimum or maximum amount of Purchase Payments; and 2) discontinue acceptance of any subsequent Purchase Payment(s) received on or after the first Contract Anniversary, if an optional guaranteed living benefit is elected. We will apply these limitations in a uniform and non-discriminatory manner. Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s), if available, must be transferred to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of the DCA program, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. We reserve the right to impose a maximum contribution level on Purchase Payments allocated to a DCA Fixed Account Option(s) and/or change the terms and conditions of the DCA program at any time. We reserve the right to cease offering DCA Fixed Account Option(s). Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The minimum contribution amount that may be allocated to the DCA a Variable Portfolio or available Fixed Account Option(s) is $600 for Option under the 6 month DCA and $1,200 for the 1 year DCAContract. Table of Contents 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. At any given time, some Variable Portfolios may not be available for receipt Substitutions of Purchase Payment(s) or transfer(s). Substitutions may be necessary and 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, any Payment Enhancement 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, Payment Enhancement 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 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:

UNDERLYING FUND. The Underlying Fund is the underlying variable investment portfolios options in which the corresponding Variable Portfolio(s) invest. Table VARIABLE ANNUITIZATION A series of Contents A periodic income payments which vary in amount according to the investment experience of one or more Variable Portfolio is one Portfolios, as selected by You. This Contract provides several variable annuity payment options. One or more divisions of the Separate Account which provides for the variable investment options available under this Contract. Each Variable Portfolio has its own investment objective and is invested in the Underlying Fund(s)) of the trusts. A Variable Portfolio is not chargeable with liabilities arising out of any other Variable Portfolio. WeThe available Variable Portfolios are shown on the Application. Additional Variable Portfolios may become available in the future. The Variable Portfolios may also be referred to as a Variable Subaccount and/or Subaccount. WE, OurOUR, UsUS, The Company refers to The United States THE COMPANY First SunAmerica Life Insurance Company in the City of New YorkCompany. Withdrawals are any amount(sWITHDRAWAL(S) Amount(s) withdrawn by the Owner from the Contract Value, Value including any charges that include but are not limited to Withdrawal Charges, and fees applicable to each such Withdrawalwithdrawal. Written or In Writing refers to a written request or notice in acceptable form and content to UsYOU, which is signed and dated and is received at Our Annuity Service Center. You, Your refers to the YOUR The Owner. PURCHASE PAYMENT PROVISIONS PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received at Our Annuity Service Center before the Purchase Payment Age Limit, as shown on the Contract Data Pageolder Owner's 86th birthday. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve The minimum Purchase Payment that may be allocated to a Variable Portfolio or available Fixed Account Option under the rightContract is $100. Subject to prior Company approval, upon advance notice to You, to: 1) limit the maximum amount of all Purchase Payments; Payments made to the Contract may not exceed $1,000,000. DOLLAR COST AVERAGING PROGRAM To facilitate a dollar cost averaging program, a source account and 2target account(s) discontinue acceptance of must be identified. Subject to Company disclosed restrictions, a source account can be any subsequent Purchase Payment(savailable 1-year fixed account, available fixed accounts designed to facilitate Dollar Cost Averaging (DCA Fixed Accounts) received on or after the first Contract Anniversary, if an optional guaranteed living benefit is electeda Variable Portfolio. We will apply these limitations in The target account must be a uniform and non-discriminatory mannerVariable Portfolio. Any portion of a Purchase Payment allocated to the any available DCA Fixed Account Option(s), if available, Options must be transferred out to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of a DCA program using the DCA programFixed Account as a source account, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. We reserve the right to impose a maximum contribution level on Purchase Payments allocated to If money remains in a DCA Fixed Account Option(s) and/or change at the terms and conditions time of the DCA program at any time. We reserve the right to cease offering DCA Fixed Account Option(s). Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) that amount will be applied to towards a Fixed Annuitization. The unit values credited and applied to Your your Contract are determined on each the date of transfer. The minimum contribution amount that may be allocated to the 6-month DCA Fixed Account Option(s) Option is $600 for 600. The minimum amount that may be allocated to the 6 12-month DCA and Fixed Account Option is $1,200 1,200. If market conditions exist such that we are not able to credit at least the Minimum Guarantee Rate for Fixed Account Options shown on the 1 year DCAContract Data Page, we reserve the right to cease offering DCA Fixed Account Options. Table We will notify you 30 days before the end of Contents a Fixed Account Option if we exercise this right. The DCA Fixed Accounts are not available if the Optional Payment Enhancement Endorsement has been elected. CHANGES TO VARIABLE PORTFOLIO OFFERINGS 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. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s)transfers. Substitutions may be necessary and 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 is the sum of the Accumulation Unit Values held in the Variable Portfolios for You. 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: 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 received. 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 optional features as set forth in endorsements to this Contract. Any reduction to the Contract Value 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:

UNDERLYING FUND. The Underlying Fund is the underlying variable investment portfolios options in which the corresponding Variable Portfolio(s) invest. Table VARIABLE ANNUITIZATION A series of Contents A periodic income payments which vary in amount according to the investment experience of one or more Variable Portfolio is one Portfolios, as selected by You. This Contract provides several variable annuity payment options. One or more divisions of the Separate Account which provides for the variable investment options available under this Contract. Each Variable Portfolio has its own investment objective and is invested in the Underlying Fund(s)) of the trusts. A Variable Portfolio is not chargeable with liabilities arising out of any other Variable Portfolio. WeThe available Variable Portfolios are shown on the Application. Additional Variable Portfolios may become available in the future. The Variable Portfolios may also be referred to as a Variable Subaccount and/or Subaccount. WE, OurOUR, UsUS, The Company refers to The United States THE COMPANY First SunAmerica Life Insurance Company in the City of New YorkCompany. Withdrawals are any amount(sWITHDRAWAL(S) Amount(s) withdrawn by the Owner from the Contract Value, Value including any charges that include but are not limited to Withdrawal Charges, and fees applicable to each such Withdrawalwithdrawal. Written or In Writing refers to a written request or notice in acceptable form and content to UsYOU, which is signed and dated and is received at Our Annuity Service Center. You, Your refers to the YOUR The Owner. PURCHASE PAYMENT PROVISIONS PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received at Our Annuity Service Center before the Purchase Payment Age Limit, as shown on the Contract Data Pageolder Owner's 86th birthday. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve The minimum Purchase Payment that may be allocated to a Variable Portfolio or available Fixed Account Option under the rightContract is $100. Subject to prior Company approval, upon advance notice to You, to: 1) limit the maximum amount of all Purchase Payments; Payments made to the Contract may not exceed $1,000,000. DOLLAR COST AVERAGING PROGRAM To facilitate a dollar cost averaging program, a source account and 2target account(s) discontinue acceptance of must be identified. Subject to Company disclosed restrictions, a source account can be any subsequent Purchase Payment(savailable 1-year fixed account, available fixed accounts designed to facilitate Dollar Cost Averaging (DCA Fixed Accounts) received on or after the first Contract Anniversary, if an optional guaranteed living benefit is electeda Variable Portfolio. We will apply these limitations in The target account must be a uniform and non-discriminatory mannerVariable Portfolio. Any portion of a Purchase Payment allocated to the any available DCA Fixed Account Option(s), if available, Options must be transferred out to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of a DCA program using the DCA programFixed Account as a source account, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. We reserve the right to impose a maximum contribution level on Purchase Payments allocated to If money remains in a DCA Fixed Account Option(s) and/or change at the terms and conditions time of the DCA program at any time. We reserve the right to cease offering DCA Fixed Account Option(s). Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) that amount will be applied to towards a Fixed Annuitization. The unit values credited and applied to Your your Contract are determined on each the date of transfer. The minimum contribution amount that may be allocated to the 6-month DCA Fixed Account Option(s) Option is $600 for 600. The minimum amount that may be allocated to the 6 12-month DCA and Fixed Account Option is $1,200 1,200. If market conditions exist such that we are not able to credit at least the Minimum Guarantee Rate for Fixed Account Options shown on the 1 year DCAContract Data Page, we reserve the right to cease offering DCA Fixed Account Options. Table We will notify you 30 days before the end of Contents a Fixed Account Option if we exercise this right. The DCA Fixed Accounts are not available if the Optional Payment Enhancement Endorsement has been elected. CHANGES TO VARIABLE PORTFOLIO OFFERINGS 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. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s)transfers. Substitutions may be necessary and of securities will be carried out in accordance with any applicable state and/or federal laws or regulations. PAYMENT ENHANCEMENT PROVISIONS We will allocate Payment Enhancements to available Variable Portfolio(s) and/or Fixed Account Option(s) in the same proportion as each corresponding Purchase Payment. Payment Enhancements for Subsequent Purchase Payment(s) will be determined by the Payment Enhancement Rate in effect at the time Your Subsequent Purchase Payment is received by Us. We will send You a confirmation of the Payment Enhancement allocated to Your Contract Value.