Common use of Value Fund Clause in Contracts

Value Fund. ANNUAL NET ASSETS RATE ---------- ------ First $250 million....................................................................................... 0.65% Over $250 million........................................................................................ 0.60%

Value Fund. ANNUAL NET ASSETS ANNUAL RATE ---------- ------ ----------- First $250 million....................................................................................... ............................................................................... 0.65% Over $250 million........................................................................................ ................................................................................ 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ------ First $250 million....................................................................................... million ................................................... 0.65% Over $250 million........................................................................................ million .................................................... 0.60%

Value Fund. ANNUAL NET ASSETS ANNUAL RATE ---------- ------ ----------- First $250 500 million....................................................................................... 0.65................................................ 0.55% Next $500 million................................................. 0.50% Over $250 million........................................................................................ 0.601 billion................................................... 0.45%"

Value Fund. ANNUAL NET ASSETS ANNUAL RATE ---------- ------ ----------- First $250 million....................................................................................... ................................................................................... 0.65% Over $250 million........................................................................................ .................................................................................... 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ------ First $250 million....................................................................................... million ........................................... 0.65% Over $250 million........................................................................................ million ............................................ 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ------ ---- First $250 million....................................................................................... ......................................... 0.65% Over $250 million........................................................................................ .......................................... 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ------ ---- First $250 million....................................................................................... million .................................................... 0.65% Over $250 million........................................................................................ million ..................................................... 0.60%

Value Fund. ANNUAL NET ASSETS RATE ---------- ------ First $250 million....................................................................................... .......................................... 0.65% Over $250 million........................................................................................ ........................................... 0.60%

Value Fund. ANNUAL NET ASSETS ANNUAL RATE ---------- ------ ----------- First $250 million....................................................................................... 0.65500 million ............................................... 0.55% Next $500 million ................................................ 0.50% Over $250 million........................................................................................ 0.601 billion .................................................. 0.45%"