Common use of WITHDRAWAL CHARGE Clause in Contracts

WITHDRAWAL CHARGE. Upon withdrawal of all or a portion of the Account Value, a Withdrawal Charge as set forth on the Contract schedule may be assessed. Under certain circumstances, described on the Contract schedule, a withdrawal may be made without the imposition of a Withdrawal Charge. For a partial withdrawal, the Withdrawal Charge will be deducted from the remaining Account Value, if sufficient, or from the amount withdrawn. 6410 (11/05) ANNUITY PROVISIONS ANNUITY DATE The Annuity Date is shown on the Contract Schedule. Prior to the Annuity Date, you may, subject to the Annuity Requirements set forth on the Contract Schedule, change the Annuity Date upon thirty (30) days prior Notice to us. ELECTION OF ANNUITY OPTION The Annuity Option is elected by you. If no Annuity Option is elected, Option 2 - Life Annuity with Ten (10) Years of Annuity Payments Guaranteed will automatically be applied. Upon thirty (30) days Notice prior to the Annuity Date you may change the Annuity Option. ANNUITY OPTIONS You may elect to receive Annuity Payments monthly, quarterly, semi-annually or annually. The following Annuity Options, or any other Annuity Option acceptable to you and us, may be elected: OPTION 1 -- LIFE ANNUITY We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant and terminating with the last payment due prior to the Annuitant's death. OPTION 2 -- LIFE ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant with a guarantee that if at the Annuitant's death there have been less than 10 years of Annuity Payments made as selected, Annuity Payments will continue for the remainder of the Guaranteed Period. You may elect to have the present value of the guaranteed Variable Annuity Payments remaining, as of the date due proof of the Annuitant's death is received at our Annuity Service Office, commuted at the Assumed Investment Return selected. We will require the return of this Contract and proof of death prior to the payment of any commuted values.

WITHDRAWAL CHARGE. Upon The Withdrawal Charge Percentage stated on your Specifications Pages is applied to each Premium and assessed at the time you make a withdrawal or surrender your Contract. Any Withdrawal Charge assessed will depend on how long the Premium to which the withdrawal is attributed has been in the Contract. For the purpose of all or determining the Withdrawal Charge, a portion withdrawal will be attributed to amounts in the following order: (1) any remaining Free Withdrawal Amount for the current Contract Year (except in the case of the Account Value, a surrender); (2) Premiums which are no longer subject to a Withdrawal Charge as set forth and have not yet been withdrawn; (3) Premiums subject to a Withdrawal Charge; and (4) any gain, interest, or other amount that is not considered a Premium. The total Withdrawal Charge assessed is equal to the sum of the separate Withdrawal Charges applied to each Premium. In no event will the total Withdrawal Charge exceed the sum of the separate Withdrawal Charge Percentages applied to each respective Premium. Premiums, when withdrawn, are deemed to be withdrawn on a first-in-first-out basis, with the oldest Premiums withdrawn first. We will apply a Waiver of the Withdrawal Charge in the circumstances stated on your Specifications Pages. Free Withdrawal Amount - The Free Withdrawal Amount is the amount you may withdraw each Contract schedule may be assessed. Under certain circumstances, described on the Contract schedule, a withdrawal may be made Year without the imposition of paying a Withdrawal Charge. For a partial Your Free Withdrawal Amount is the greater of (i) the Free Withdrawal Percentage stated on your Specifications Pages multiplied by your Account Value on the date of the withdrawal, minus any partial withdrawals taken during the current Contract Year, or (ii) the Free Withdrawal Percentage multiplied by your Account Value as of the immediately preceding Contract Anniversary, minus any prior withdrawals made during that Contract Year. In the first Contract Year, the Account Value referenced in item (ii) will be your initial Premium. The Free Withdrawal Amount is not cumulative; any Free Withdrawal Amount not withdrawn in a Contract Year may not be carried forward to future Contract Years. The Free Withdrawal Amount applies only to partial withdrawals and does not apply to a surrender. The Free Withdrawal Amount does not reduce the Withdrawal Charge will applicable to each Premium. Transfer Fee - We may deduct a Transfer Fee for any Transfers among Subaccounts as stated on your Specifications Pages. Unrestricted Transfers, as stated on your Specifications Pages, are not subject to a Transfer Fee. Premium Tax - Your state or other governmental authority may impose a Premium Tax. It may be deducted from the remaining Account Valueimposed when a Premium is paid, if sufficient, or from the amount withdrawn. 6410 (11/05) ANNUITY PROVISIONS ANNUITY DATE The Annuity Date is shown on the Contract Schedule. Prior to the Annuity Date, you may, subject to the Annuity Requirements set forth on the Contract Schedule, change the Annuity Date upon thirty (30) days prior Notice to us. ELECTION OF ANNUITY OPTION The Annuity Option is elected by youor at some other time. If no Annuity Option is electedrequired by your state or other governmental authority, Option 2 - Life Annuity with Ten (10) Years of Annuity Payments Guaranteed we will automatically be applied. Upon thirty (30) days Notice prior to assess the Annuity Date you may change the Annuity Option. ANNUITY OPTIONS You may elect to receive Annuity Payments monthly, quarterly, semi-annually or annually. The following Annuity Options, or any other Annuity Option acceptable to you and us, may be elected: OPTION 1 -- LIFE ANNUITY We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant and terminating with the last payment due prior to the Annuitant's death. OPTION 2 -- LIFE ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant with a guarantee that if at the Annuitant's death there have been less than 10 years of Annuity Payments made as selected, Annuity Payments will continue for the remainder of the Guaranteed Period. You may elect to have the present value of the guaranteed Variable Annuity Payments remaining, as of the date due proof of the Annuitant's death is received at our Annuity Service Office, commuted at the Assumed Investment Return selected. We will require the return of this Contract and proof of death prior to the payment of any commuted valuesPremium Tax on your Contract.

WITHDRAWAL CHARGE. Upon withdrawal of If you withdraw all or a portion part of your contract, you may be subject to a withdrawal charge. A withdrawal charge applies if all or a part of the Account Valuecontract value you withdraw is from payments received that are still in the withdrawal charge period indicated under Contract Data. Refer to Waiver of Withdrawal Charges for situations when withdrawal charges are not deducted. For full withdrawals, we determine your withdrawal charge by multiplying each of your purchase payments not previously withdrawn and not subject to a Withdrawal Charge as set forth waiver of withdrawal charge by the applicable withdrawal charge percentage, and then totaling the charges. For partial withdrawals, the withdrawal charge is prorated based on the Contract schedule may percentage of your contract value being withdrawn. For example, if you withdraw half of your contract value, approximately half of the withdrawal charge applicable for a full withdrawal would be assessedcharged. Under certain circumstances(However, described on any waivers of withdrawal charge will not be prorated, so the Contract schedulewithdrawal charge in the above example would be reduced further to account for applicable waivers.) For partial withdrawals, we determine the amount that represents purchase payments which could be subject to a withdrawal may charge by the following formula: PS - FA X (PP - PE) ------- CV - FA PS = Amount of partial withdrawal FA = Free amount (amounts that are subject to a waiver of withdrawal charge) CV = Contract value prior to the withdrawal PP = Purchase payments not previously withdrawn PE = Amounts withdrawn totaling up to 10% of the prior contract anniversary value to the extent it is larger than amounts withdrawn that represent contract earnings (See item 1 under Waiver of Withdrawal Charges.) After calculating the amount of purchase payments that might be made without subject to a withdrawal charge, we use the imposition of a Withdrawal Charge. Order described below to determine the withdrawal charge For a partial withdrawalwithdrawal that is subject to a withdrawal charge, the Withdrawal Charge amount we actually withdraw from your contract value will be deducted from the remaining Account Value, if sufficient, or from the amount withdrawnyou request plus any applicable withdrawal charge. 6410 (11/05) ANNUITY PROVISIONS ANNUITY DATE The Annuity Date withdrawal charge is shown on applied to this total amount. We pay you the Contract Scheduleamount you requested. Prior The withdrawal charge applies regardless of the contract value at time of withdrawal. Therefore, the purchase payment amount applied to the Annuity Date, you may, subject to the Annuity Requirements set forth on the Contract Schedule, change the Annuity Date upon thirty (30) days prior Notice to us. ELECTION OF ANNUITY OPTION The Annuity Option is elected by you. If no Annuity Option is elected, Option 2 - Life Annuity with Ten (10) Years of Annuity Payments Guaranteed will automatically be applied. Upon thirty (30) days Notice prior to the Annuity Date you may change the Annuity Option. ANNUITY OPTIONS You may elect to receive Annuity Payments monthly, quarterly, semi-annually or annually. The following Annuity Options, or any other Annuity Option acceptable to you and us, withdrawal charge percentage may be elected: OPTION 1 -- LIFE ANNUITY We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant and terminating with the last payment due prior to the Annuitant's death. OPTION 2 -- LIFE ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant with a guarantee that if at the Annuitant's death there have been greater or less than 10 years of Annuity Payments made as selected, Annuity Payments will continue for the remainder of the Guaranteed Period. You may elect to have the present value of the guaranteed Variable Annuity Payments remaining, as of the date due proof of the Annuitant's death is received at our Annuity Service Office, commuted at the Assumed Investment Return selected. We will require the return of this Contract and proof of death prior to the payment of any commuted valuescontract value.

WITHDRAWAL CHARGE. Upon withdrawal of all or 11 ENDORSEMENT PREAUTHORIZED WITHDRAWAL FEATURE This endorsement becomes a portion part of the Account Variable Annuity Contract (Form 90-53) to which it is attached. PREAUTHORIZED WITHDRAWAL FEATURE - You may request preauthorized Scheduled Partial Withdrawals from your Contract during the Accumulation Period and after the Free look Period while it is in force. All requests must be in writing. Withdrawal payments will be deducted from your Accumulated Value, a Withdrawal Charge as set forth on the Contract schedule may be assessed. Under certain circumstances, described on the Contract schedule, a withdrawal The Withdrawals may be made without either monthly, quarterly, semiannually or annually, and may be stopped or modified upon written request received by us at least 30 days in advance. Scheduled partial Withdrawals will be based on the imposition Accumulated Value at the end of the valuation period during which the Withdrawal is scheduled. A Withdrawal Charge may be imposed on Scheduled Partial Withdrawals. No Withdrawal Charge will be imposed on Scheduled Partial Withdrawal payments to the extent your total withdrawals in the Contract Year during which the Withdrawals are made do not exceed 10% of the sum of the premiums paid during the current and the preceding four Contract Years. Any time a Scheduled Partial Withdrawal is made, we will deduct from the Accumulated Value the amount of the Withdrawal plus the applicable Withdrawal Charge, if any. For The deduction from the Accumulated Value will be made proportionately to your Accumulated Value in each Variable Account and the Fixed Account. Any charge for premium taxes that a partial withdrawal, state or other government charges us as a result of the Withdrawal Charge will be deducted from the Withdrawal proceeds. The minimum amount for any preauthorized Scheduled Partial Withdrawal is $100. We reserve the right at a future date to increase the minimum amount for any Scheduled Partial Withdrawals, to impose or increase minimum remaining Account balances, and to limit the number and frequency of requests for stopping or modifying Scheduled Partial Withdrawals. Any Scheduled Partial Withdrawal that equals or exceeds the Full Withdrawal Value will be treated as a Full Withdrawal. In no event will the payment of a Scheduled Partial Withdrawal exceed the Full Withdrawal Value, if sufficient, or from the amount withdrawnless any charge for premium taxes. 6410 (11/05) ANNUITY PROVISIONS ANNUITY DATE The Annuity Date is shown on the Contract Schedule. Prior to the Annuity Date, you may, subject to the Annuity Requirements set forth on the Contract Schedule, change the Annuity Date upon thirty (30) days prior Notice to us. ELECTION OF ANNUITY OPTION The Annuity Option is elected by you. If no Annuity Option is elected, Option 2 - Life Annuity with Ten (10) Years of Annuity Payments Guaranteed will automatically be applied. Upon thirty (30) days Notice prior terminate if a Scheduled Partial Withdrawal causes the resulting Full Withdrawal Value to the Annuity Date you may change the Annuity Option. ANNUITY OPTIONS You may elect to receive Annuity Payments monthly, quarterly, semi-annually or annually. The following Annuity Options, or any other Annuity Option acceptable to you and us, may be elected: OPTION 1 -- LIFE ANNUITY We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant and terminating with the last payment due prior to the Annuitant's death. OPTION 2 -- LIFE ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant with a guarantee that if at the Annuitant's death there have been less than 10 years of Annuity Payments made as selected, Annuity Payments will continue for the remainder of the Guaranteed Period. You may elect to have the present value of the guaranteed Variable Annuity Payments remaining, as of the date due proof of the Annuitant's death is received at our Annuity Service Office, commuted at the Assumed Investment Return selectedequal zero. We will require pay Scheduled Partial Withdrawal proceeds within seven days after the return valuation period during which the Withdrawal is scheduled. However, we may postpone the processing or payment of this Contract such payment based on the investment performance of the Variable Accounts and proof defer payment of death prior amounts allocated to the payment Fixed Account in accordance with the Delay of any commuted values.Payments Section of your Contract. PACIFIC MUTUAL LIFE INSURANCE COMPANY Chairman and Chief Executive Officer E-9107 ENDORSEMENT