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.......................................... 0.65500 million ............................................... 0.55% Next $500 million ................................................ 0.50% Over $250 million........................................... 0.601 billion .................................................. 0.45%"

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.......................................... ................................................................................... 0.65% Over $250 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.......................................... million .................................................... 0.65% Over $250 million........................................... million ..................................................... 0.60%

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

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