Common use of WITHDRAWAL CHARGES Clause in Contracts

WITHDRAWAL CHARGES. The amount of the Withdrawal Charge is stated in the Data Pages. We have the right to change the Charge shown in the Data Pages with respect to future Contributions, subject to any maximum stated in the Data Pages. We will give you notice of any change. If specified in the Data Pages, a ‘‘Free Withdrawal Amount’’ will apply as follows: ‘‘Free Withdrawal Amount’’ means an amount equal to the percentage, stated in the Data Pages, of the Annuity Account Value, minus the total of all prior withdrawals (and associated Withdrawal Charges) made as described in Section 6.01 in the current Contract Year that may be withdrawn each Contract Year without incurring a Withdrawal Charge. We have the right to change the Free Withdrawal Amount, but it will always be a percentage between 10% and 30% if so provided in the Data Pages. If the amount of a withdrawal made under Part VI is more than the Free Withdrawal Amount (defined above), we will (a) first withdraw from the Investment Options, on the basis described in Section 6.01, an amount equal to the Free Withdrawal Amount, and (b) then withdraw from the Investment Options an amount equal to the excess of the amount requested over the Free Withdrawal Amount, plus a Withdrawal Charge if one applies. For purposes of this Section, amounts withdrawn up to the Free Withdrawal Amount will not be deemed a withdrawal of any Contributions. We have the right to carry forward the Free Withdrawal Amount into a future Contract Year, if not used in any Year, if so stated in the Data Pages. Any withdrawals in excess of the Free Withdrawal Amount will be deemed withdrawals of Contributions in the reverse order in which they were made. That is, Contributions will be withdrawn on a last-in, first-out basis unless the Data Pages state that a first-in, first-out basis will apply. In addition, your years of participation under the Prior Contract or years since contributions were made under the Prior Contract, if applicable, may be included for purposes of determining the Withdrawal Charge, if so specified in the Data Pages in accordance with our rules then in effect. If specified in the Data Pages we have the right to reduce or waive the Withdrawal Charge upon such events as stated in the Data Pages. Moreover, the Withdrawal Charge will be reduced if needed in order to comply with any applicable state or federal law.

WITHDRAWAL CHARGES. At the time of any withdrawal or surrender of this contract, the amount subject to Withdrawal Charges is equal to the amount of total Purchase Payments less any amount You withdrew previously to which We applied Withdrawal Charges. We will not apply Withdrawal Charges on any amounts withdrawn or surrendered in excess of the total Purchase Payments. However, note that withdrawals of the Free Withdrawal Amount do not reduce the overall amount subject to Withdrawal Charges. The amount of Withdrawal Charges applicable to any withdrawal will equal the product of (i) the applicable Withdrawal Charge is stated in Percentage shown on the Data Pages. We have Specifications Pages and (ii) the right to change lesser of (a) the Charge shown in total withdrawal amount, less any remaining Free Withdrawal Amount for the Data Pages with respect to future Contributionsapplicable Contract Year, and (b) the amount subject to Withdrawal Charges, if any, less any maximum stated in remaining Free Withdrawal Amount for the Data Pagesapplicable Contract Year. The amount of Withdrawal Charges applicable to a full surrender of this contract will equal the product of (i) the applicable Withdrawal Charge Percentage shown on the Specifications Pages and (ii) the amount subject to Withdrawal Charges, if any. We will give you notice of any change. If specified in the Data Pagesnot apply, a ‘‘Free or will waive, Withdrawal Amount’’ will apply as followsCharges with respect to: ‘‘Free Withdrawal Amount’’ means an amount equal to the percentage, stated in the Data Pages, of the Annuity Account Value, minus the total of all prior withdrawals (and associated Withdrawal Charges) made as described in Section 6.01 in • Any amounts withdrawn during the current Contract Year that may be withdrawn each Contract Year without incurring a Withdrawal Charge. We have the right to change the Free Withdrawal Amountare, but it will always be a percentage between 10% and 30% if so provided in the Data Pages. If the amount of a withdrawal made under Part VI is more aggregate, less than the Free Withdrawal Amount (defined above), we will (a) first withdraw from the Investment Options, on the basis described in Section 6.01, an amount or equal to the Free Withdrawal Amount, and (b) then withdraw from the Investment Options an amount equal ; • Any amounts applied to the excess of the amount requested over the Free Withdrawal Amount, plus a Withdrawal Charge if one applies. For purposes of this Section, Settlement Option; • Any amounts withdrawn up to the Free Withdrawal Amount will not be deemed a withdrawal of any Contributions. We have the right to carry forward the Free Withdrawal Amount into a future Contract Year, if not used in any Year, if so stated in the Data Pages. Any withdrawals in excess of the Free Withdrawal Amount will be deemed withdrawals of Contributions in the reverse order in which they were made. That is, Contributions will be withdrawn on a last-in, first-out basis unless the Data Pages state that a first-in, first-out basis will apply. In addition, your years of participation under the Prior Contract or years since contributions were made under the Prior Contract, if applicable, may be included for purposes of determining the Withdrawal Charge, if so specified in the Data Pages in accordance with our rules then in effect. If specified in the Data Pages we have the right to reduce or waive after the Withdrawal Charge upon such events as stated in Period; • The portion of any amounts withdrawn that exceed the Data Pages. Moreover, the Withdrawal Charge will be reduced if needed in order to comply with any applicable state or federal law.sum of all Purchase Payments; and

WITHDRAWAL CHARGES. The amount of the Withdrawal Charge is stated in the Data Pages. We have the right to change the Charge shown in the Data Pages with respect to future Contributions, subject to any maximum stated in the Data Pages. We will give you notice of any change. If specified in the Data Pages, a ‘‘Free Withdrawal Amount’’ will apply as follows: ‘‘Free Withdrawal Amount’’ means an amount equal to the percentage, stated in the Data Pages, of the Annuity Account Value, minus the total of all prior withdrawals (and associated Withdrawal Charges) made as described in Section 6.01 5.01 in the current Contract Year that may be withdrawn each Contract Year without incurring a Withdrawal Charge. We have the right to change the Free Withdrawal Amount, but it will always be a percentage between 100% and 30% if so so, provided in the Data Pages. If the amount of a withdrawal made under Part VI V is more than the Free Withdrawal Amount (defined above), we will (a) first withdraw from the Investment Options, on the basis described in Section 6.015.01, an amount equal to the Free Withdrawal Amount, and (b) then withdraw from the Investment Options an amount equal to the excess of the amount requested over the Free Withdrawal Amount, plus a Withdrawal Charge if one applies. For purposes of this Section, amounts withdrawn up to the Free Withdrawal Amount will not be deemed a withdrawal of any Contributions. We have the right to carry forward the Free Withdrawal Amount into a future Contract Year, if not used in any Year, if so stated in the Data Pages. Any withdrawals in excess of the Free Withdrawal Amount will be deemed withdrawals of Contributions in the reverse order in which they were made. That is, Contributions will be withdrawn on a last-in, first-out basis unless the Data Pages state that a first-in, first-out basis will applybasis. In addition, your years of participation under the Prior Contract or years since contributions were made under the Prior Contract, if applicable, may be included for purposes of determining the Withdrawal Charge, if so so, specified in the Data Pages in accordance with our rules then in effectPages. If specified in the Data Pages we have the right to reduce or waive the Withdrawal Charge upon such events as stated in the Data Pages. Moreover, the Withdrawal Charge will be reduced if needed in order to comply with any applicable state or federal law.. 2023EVBASE-A-Z

WITHDRAWAL CHARGES. If a cash withdrawal is made, a withdrawal charge may be assessed by the Company. The amount length of time between the Company acceptance of the Withdrawal Charge is stated in Premium Payment(s) and the Data Pages. We have the right to change the Charge shown in the Data Pages with respect to future Contributions, subject to any maximum stated in the Data Pages. We will give you notice of any change. If specified in the Data Pages, a ‘‘Free Withdrawal Amount’’ will apply as follows: ‘‘Free Withdrawal Amount’’ means an amount equal to the percentage, stated in the Data Pages, of the Annuity Account Value, minus the total of all prior withdrawals (and associated Withdrawal Charges) made as described in Section 6.01 in the current Contract Year that may be withdrawn each Contract Year without incurring a Withdrawal Charge. We have the right to change the Free Withdrawal Amount, but it will always be a percentage between 10% and 30% if so provided in the Data Pages. If the amount receipt of a withdrawal made under Part VI is more than request determines the Free Withdrawal Amount (defined above), we will (a) first withdraw from the Investment Options, on the basis described in Section 6.01, an amount equal to the Free Withdrawal Amount, and (b) then withdraw from the Investment Options an amount equal to the excess of the amount requested over the Free Withdrawal Amount, plus a Withdrawal Charge if one applieswithdrawal charge. For purposes of this Section, amounts withdrawn up purpose each withdrawal is deemed to the Free Withdrawal Amount will not be deemed represent a withdrawal of any Contributionsa Premium Payment previously accepted (or a portion thereof). We have the right to carry forward the Free Withdrawal Amount into a future Contract Year, if not used in any Year, if so stated in the Data Pages. Any withdrawals in excess of the Free Withdrawal Amount Premium Payments will be deemed withdrawals of Contributions to have been withdrawn in the reverse order in which they the Premium Payments were madereceived by the Company (i.e., oldest premium first). That isAfter all Premium Payments have been deemed withdrawn, Contributions the Company will deem further withdrawals to be from net investment results attributable to such Premium Payments, if any. The schedule of withdrawal charges is set forth in the "Schedule of Charges, Expenses and Fees." On withdrawal, any applicable Annuity Account Fee and Market Value Adjustment will be withdrawn deducted before application of any withdrawal charge. Withdrawal charges are deducted proportionately from the Fixed and/or Variable Account Sub-Account(s) from which the withdrawal is to be made, provided such Sub-Account(s) have sufficient account value(s) for making such deduction(s). If any of the account value(s) of such Sub-Account(s), however, are insufficient, its remaining withdrawal charges will be deducted on a lastpro rata basis from all Fixed and/or Variable Account Sub-inAccounts in proportion to the then-current account value(s) of such Sub-Account(s). See "Penalty-Free Withdrawals, first-out basis unless Transfers and Annuitization Provisions" for situations in which a withdrawal charge is not imposed. For the Data Pages state that a first-in, first-out basis will apply. In addition, your years purpose of participation under the Prior Contract or years since contributions were made under the Prior Contract, if applicable, any qualified plan riders which may be included for purposes of determining the Withdrawal Charge, if so specified in the Data Pages in accordance with our rules then in effect. If specified in the Data Pages we have the right attached to reduce or waive the Withdrawal Charge upon such events as stated in the Data Pages. Moreoverthis contract, the Withdrawal Charge will be reduced if needed in order to comply with any applicable state or federal lawterm 'Surrender Charge' wherever referenced therein, shall mean 'withdrawal charge' as set forth above.

WITHDRAWAL CHARGES. If a cash withdrawal is made, a withdrawal charge may be assessed by the Company. The amount length of time between the Company acceptance of the Withdrawal Charge is stated in Premium Payment(s) and the Data Pages. We have the right to change the Charge shown in the Data Pages with respect to future Contributions, subject to any maximum stated in the Data Pages. We will give you notice of any change. If specified in the Data Pages, a ‘‘Free Withdrawal Amount’’ will apply as follows: ‘‘Free Withdrawal Amount’’ means an amount equal to the percentage, stated in the Data Pages, of the Annuity Account Value, minus the total of all prior withdrawals (and associated Withdrawal Charges) made as described in Section 6.01 in the current Contract Year that may be withdrawn each Contract Year without incurring a Withdrawal Charge. We have the right to change the Free Withdrawal Amount, but it will always be a percentage between 10% and 30% if so provided in the Data Pages. If the amount receipt of a withdrawal made under Part VI is more than request determines the Free Withdrawal Amount (defined above), we will (a) first withdraw from the Investment Options, on the basis described in Section 6.01, an amount equal to the Free Withdrawal Amount, and (b) then withdraw from the Investment Options an amount equal to the excess of the amount requested over the Free Withdrawal Amount, plus a Withdrawal Charge if one applieswithdrawal charge. For purposes of this Section, amounts withdrawn up purpose each withdrawal is deemed to the Free Withdrawal Amount will not be deemed represent a withdrawal of any Contributionsa Premium Payment previously accepted (or a portion thereof). We have the right to carry forward the Free Withdrawal Amount into a future Contract Year, if not used in any Year, if so stated in the Data Pages. Any withdrawals in excess of the Free Withdrawal Amount Premium Payments will be deemed withdrawals of Contributions to have been withdrawn in the reverse order in which they the Premium Payments were madereceived by the Company (i.e., oldest premium first). That isAfter all Premium Payments have been deemed withdrawn, Contributions the Company will deem further withdrawals to be from net investment results attributable to such Premium Payments, if any. The schedule of withdrawal charges is set forth in the "Schedule of Charges, Expenses and Fees." On withdrawal, any applicable Market Value Adjustment will be withdrawn deducted before application of any withdrawal charge. Withdrawal charges are deducted proportionately from the Fixed and/or Variable Account Sub-Account(s) from which the withdrawal is to be made, provided such Sub-Account(s) have sufficient account value(s) for making such deduction(s). If any of the account value(s) of such Sub-Account(s), however, are insufficient, its remaining withdrawal charges will be deducted on a lastpro rata basis from all Fixed and/or Variable Account Sub-inAccounts in proportion to the then-current account value(s) of such Sub-Account(s). See "Penalty-Free Withdrawals, first-out basis unless Transfers and Annuitization Provisions" for situations in which a withdrawal charge is not imposed. For the Data Pages state that a first-in, first-out basis will apply. In addition, your years purpose of participation under the Prior Contract or years since contributions were made under the Prior Contract, if applicable, any qualified plan riders which may be included for purposes of determining the Withdrawal Charge, if so specified in the Data Pages in accordance with our rules then in effect. If specified in the Data Pages we have the right attached to reduce or waive the Withdrawal Charge upon such events as stated in the Data Pages. Moreoverthis contract, the Withdrawal Charge will be reduced if needed in order to comply with any applicable state or federal lawterm 'Surrender Charge' wherever referenced therein, shall mean 'withdrawal charge' as set forth above.