Common use of WITHDRAWAL PROVISIONS Clause in Contracts

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center, subject to the requirement that the amount remaining after withdrawal must be at least $2,500. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn is $1,000, subject to the minimums set forth by the laws of the State of New York. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge, a Withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valuein case of a full surrender. The Withdrawal Value Charge will be based on values assessed against the Variable Portfolio(s) and the available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full Withdrawal of the Contract. PENALTY-FREE WITHDRAWALS On any day before the Annuity Date, You may make a Withdrawal of up to the Penalty-Free Withdrawal amount for that day without incurring a Withdrawal Charge. Any portion of the Penalty-Free Withdrawal made in excess of the penalty-free earnings in the Contract is considered to be a Withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value at the end of that day less the Business Day in which Total Invested Amount. During the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal programfirst Contract Year, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional maximum Penalty-Free Withdrawal amount may be subject is equal to a Withdrawal Charge and Recapture Chargethe penalty-free earnings in the Contract as of the date of Withdrawal.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Owner, or Annuitant in the case of a completed Lost Non-Natural Owner, is living and the Contract Affidavitis in force. However, must no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be returned taken from a specific Investment Option(s) or pro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, the withdrawal will be taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amounts that may be withdrawn from your Contract are shown in the request Contract Specifications. If the withdrawal reduces the Account Value in any Investment Option to an amount less than the amount shown in the Contract Specifications, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than or equal to the Minimum Contract Value to Avoid Contract Termination as shown in the Contract Specifications, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional Guaranteed Minimum Withdrawal Benefit (GMWB) rider and a withdrawal reduces the Contract Value to an amount less than or equal to the Minimum Contract Value to Avoid Contract Termination as shown in the Contract Specifications. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: · withdrawal charges; · charges for expenses relating to optional riders attached to the Contract; · charges for Annual Fees; and · charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Owner, or Annuitant in the case of a Non-Natural Owner, is living and the Contract is in force. We may require the return of this Contract or a signed Lost Contract Affidavit with your request. A full withdrawal will terminate the Contract. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums withdrawn The minimum partial withdrawal amount is [$1,000] and the minimum amount that must remain in the Contract after any partial withdrawal is [$500]. Without a written notice to the contrary, withdrawals will be deducted from the Contract Value in proportion to their allocation among the Fixed Account Options and the Subaccounts. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the table below. Premiums that This charge may be deducted upon withdrawal of any portion of the Contract Value. The Withdrawal Charge percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is made on an amount withdrawn which is considered to be a withdrawal of penalty-free earnings. For the purpose of determining the Withdrawal Charge on, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are both no longer subject to the Withdrawal Charge and Recapture Charge are not yet withdrawn; (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at 3) any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional remaining Penalty-Free Withdrawal amount may be (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in a full surrender. Number of full Years Elapsed Between Purchase Payment Contribution And Date of Withdrawal Withdrawal Charge as a Percentage of Withdrawn Purchase Payment 0 7% 1 6% 2 5% 3+ 0% The Withdrawal Charge will be assessed against the Subaccounts and Recapture Chargethe Fixed Account Options in the same proportion that the remaining Contract Value is allocated unless You request that the withdrawal come from a particular Fixed Account Option or Subaccount. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from Withdrawals will reduce the Contract Value may Death Benefit Amount. Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • withdrawal charge; • annual fee; • charges for withdrawal is received in Good Order at expenses relating to optional riders attached to the Service CenterContract; and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive also reflect any required or requested federal and/or state income tax withholding. Pre-authorized Withdrawals — If the Withdrawal Charge Contract Value is at least $5,000, you may select the pre-authorized withdrawal option, and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You you may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a choose monthly, quarterly, semiannual or annual basiswithdrawals. Each withdrawal must be for at least $250. Pre-authorized withdrawals cannot be used to continue the Contract in force beyond the Annuity Date. Termination of Contract — You may, subject to on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a $50 minimum withdrawalsigned Lost Contract Affidavit with your request. Such withdrawals The withdrawal proceeds will be counted in determining determined under the portion Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess end of the Additional Free Withdrawal amount may be subject Business Day such request, in a form satisfactory to a Withdrawal Charge us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and Recapture Chargewe will have no further obligations under the Contract.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after a withdrawal are subject to Company limits. Without written notice to the contrary, withdrawals will be deducted from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current valueallocation among the Fixed Account Options and the Subaccounts. Withdrawals will be based on values at the end of the Business Day on NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. For the purposes of determining the amount of any applicable Withdrawal Charge, withdrawals are assumed to be taken from earnings first, then Purchase Payments. Purchase Payments are assumed to be withdrawn on a first-in-first-out (FIFO) basis. The Withdrawal Charge Schedule is received shown on the Contract Data Page. Also, see the WITHDRAWAL CHARGE provision. For the purposes of determining tax liability under the IRC, withdrawals of the Contract Value are treated on a last-in Good Order first-out (LIFO) basis. SYSTEMATIC WITHDRAWAL PROGRAM Prior to the Annuity Date, You may elect to participate in the Systematic Withdrawal Program by informing Us at the Our Annuity Service Center. The Company will waive the Systematic Withdrawal Charge and Recapture Charge on any withdrawal necessary Program allows You to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a make automatic withdrawals from your account monthly, quarterly, semiannual semiannually or annual basis, subject to a annually. The minimum systematic withdrawal amount is $50 minimum 250 per withdrawal. Such withdrawals will be counted in determining Any amount withdrawn through the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount Program may be subject to a Market Value Adjustment as discussed in the MARKET VALUE ADJUSTMENT provisions. You may terminate Your participation in the Systematic Withdrawal Charge and Recapture ChargeProgram at any time by sending Us a written request.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is shown in the Contract Specifications. If the withdrawal reduces the Account Value in any Investment Option to an amount less than the amount shown in the Contract Specifications, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than the amount shown in the Contract Specifications, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional rider and a withdrawal reduces the Net Contract Value to an amount less than the amount shown in the Contract Specifications. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. A full withdrawal will terminate the Contract. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: · Withdrawal charges; · charges for withdrawal is received in Good Order at expenses relating to optional riders attached to the Service CenterContract; · charges for annual fees; and · charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Chargerequested federal and/or state income tax withholding.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums withdrawn The minimum partial withdrawal amount is $1,000 and the minimum amount that must remain in the Contract after any partial withdrawal is $500. Without a written notice to the contrary, withdrawals will be deducted from the Contract Value in proportion to their allocation among the Fixed Account Options and the Subaccounts. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at the Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the table below. Premiums that This charge may be deducted upon withdrawal of any portion of the Contract Value. The Withdrawal Charge percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is made on an amount withdrawn which is considered to be a withdrawal of penalty-free earnings. For the purpose of determining the Withdrawal Charge on, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are both no longer subject to the Withdrawal Charge and Recapture Charge are not yet withdrawn; (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at 3) any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional remaining Penalty-Free Withdrawal amount may be (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in a full surrender. ------------------------------------------------------------------------------ Number of full Years Elapsed Withdrawal Charge as a Between Purchase Payment Contribution Percentage of Withdrawn And Date of Withdrawal Purchase Payment ------------------------------------------------------------------------------ 0 7% ------------------------------------------------------------------------------ 1 6% ------------------------------------------------------------------------------ 2 5% ------------------------------------------------------------------------------ 3+ 0% ------------------------------------------------------------------------------ The Withdrawal Charge will be assessed against the Subaccounts and Recapture Chargethe Fixed Account Options in the same proportion that the remaining Contract Value is allocated unless You request that the withdrawal come from a particular Fixed Account Option or Subaccount. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract.

WITHDRAWAL PROVISIONS. At or before WITHDRAWALS During the Income DateAccumulation Period, the Owner you may withdraw all or part some of the Cash Value. You must apply using a form we accept. Any partial withdrawal amount must be at least the amount shown on the Policy Schedule, but must not reduce the Account Value below $100.00. Any amount withdrawn will be deducted from the Investment Option(s) in the same proportion as the Variable Investment Option(s) and the Guaranteed Interest Account Option values bear to the total Account Value. In the event you wish to withdraw amounts under this Contract by informing in any other proportion, you must specify the Company Investment Option(s) to be surrendered using a form we accept. If a total withdrawal is made on other than a Policy Anniversary, the Policy Maintenance Charge will be deducted at the Service Centertime of withdrawal. We will mail any payment within seven days after the date of receipt of the acceptable request unless the Suspension or Deferral of Payment Provision is in effect. WITHDRAWAL CHARGE During the first Policy Year, any withdrawals will have a Withdrawal Charge. After the first Policy Year, you may make a withdrawal of up to 10% of the Account Value once each Policy Year without incurring a Withdrawal Charge. This 10% free withdrawal amount will not be carried forward to the next Policy Year. The Withdrawal Charge is a percentage of the amount withdrawn in excess of the free withdrawal amount as shown below: Policy Withdrawal Policy Withdrawal Year Charge % Year Charge % ---- -------- ---- -------- 1 8% 6 3% 2 7% 7 2% 3 6% 8 1% 4 5% 9 + 0% 5 4% The Charge is calculated at the time of each withdrawal. The Withdrawal Charge will never exceed 8% of the total purchase payments. For full partial withdrawals, the Charge will be deducted from the Account Value remaining in the policy. No Withdrawal Charge will be applied upon payment of a death benefit or payment under any Life, Joint and Survivor, or Period Certain annuity providing at least seven annual or 72 monthly payments. SYSTEMATIC WITHDRAWAL PROGRAM After the first Policy Year, you may be able to participate in a Systematic Withdrawal Program in lieu of the 10% free withdrawal option. If the total amount of systematic withdrawals during a Policy Year exceeds the 10% free withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge will be incurred. During the Policy Year that systematic withdrawals begin, the 10% free withdrawal will be based on the Account Value on the Valuation Date immediately preceding the date the request for systematic withdrawals is processed. The request must be made on a form that we accept. During subsequent years, the free withdrawal will be based on the Account Value on the last Policy Anniversary. Systematic Withdrawals can be made monthly, quarterly or semi-annually. We reserve the right to: limit the terms and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn)conditions under which systematic withdrawals can be elected; and, plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges stop offering any or all systematic withdrawals at any time. Upon full withdrawalPROCEEDS PAYABLE ON DEATH DEATH BENEFIT AMOUNT PRIOR TO THE ANNUITY DATE The death benefit will be the greater of: the purchase payments, less any withdrawals and Withdrawal Charges; or, Adjusted Account Value determined as of the Valuation Period during which we receive both due proof of death and an election for the payment period. DEATH OF OWNER PRIOR TO THE ANNUITY DATE If you or any Joint Owner die prior to the Annuity Date, the Owner death benefit will receive be paid to the Withdrawal ValueBeneficiary you designate. Upon the death of any Joint Owner, the surviving Joint Owner, if any, will be treated as the Primary Beneficiary. Any other Beneficiary designation on record at the time of death will be treated as a Contingent Beneficiary. The Withdrawal Value death benefit will be based on values at the end paid under one of the Business Day in which Death Benefit Options below. If the request for withdrawal Beneficiary is received at the Service Center in Good Order. In no event shall the amount withdrawnyour spouse, whether a full withdrawal he or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, she may continue this policy as the Owner's entire interest in . DEATH BENEFIT OPTIONS - DEATH OF OWNER PRIOR TO THE ANNUITY DATE In the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end event of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements death of the Internal Revenue Code. Any withdrawal in excess Owner or any Joint Owner prior to the Annuity Date, a non-spousal Beneficiary must elect the death benefit to be paid under one of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.following options:

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the minimum amount that must remain after withdrawal are subject to Company limits. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. FS-975 (7/04) 10 WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal, except for full Surrenders. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) Penalty-Free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at 3) any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional remaining Penalty-Free Withdrawal amount may be (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in the case of a full surrender. The Withdrawal Charge will be assessed against the Variable Portfolio(s) and Recapture Chargethe available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Certificate Value under this Contract Certificate by informing the Company Us in writing at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, Certificate must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after a withdrawal are subject to Company limits. Without written notice to the contrary, withdrawals will be deducted from the Contract Certificate Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current valueallocation among the Fixed Account Options and the Subaccounts. Withdrawals will be based on values at the end of the Business Day on NYSE business day in which the request for withdrawal and the Certificate (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. For the purposes of determining the amount of any applicable Withdrawal Charge, withdrawals are assumed to be taken from earnings first then Purchase Payments. Purchase Payments are assumed to be withdrawn on a first-in-first-out (FIFO) basis. The Withdrawal Charge Schedule is received shown on the Certificate Data Page. Also, see the WITHDRAWAL CHARGE provision. For the purposes of determining tax liability under the IRC, withdrawals of the Certificate Value are treated on a last-in Good Order first-out (LIFO) basis. SYSTEMATIC WITHDRAWAL PROGRAM Prior to the Annuity Date, You may elect to participate in the Systematic Withdrawal Program by informing Us at the Our Annuity Service Center. The Company will waive the Systematic Withdrawal Charge and Recapture Charge on any withdrawal necessary Program allows You to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a make automatic withdrawals from your account monthly, quarterly, semiannual semiannually or annual basis, subject to a annually. The minimum systematic withdrawal amount is $50 minimum 250 per withdrawal. Such withdrawals will be counted in determining Any amount withdrawn through the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount Program may be subject to a Market Value Adjustment as discussed in the MARKET VALUE ADJUSTMENT provisions. You may terminate Your participation in the Systematic Withdrawal Charge and Recapture ChargeProgram at any time by sending Us a written request.

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail belowCharge. Premiums that are no longer subject In addition to the a Withdrawal Charge and Recapture Charge (and not previously withdrawn)Charge, plus earnings a withdrawal from a Fixed Account Option may be withdrawn free of Withdrawal Charges and Recapture Charges at any timealso incur an Excess Interest Adjustment. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in on which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is [$500], or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest if anything is left in the that Investment Division or Fixed Account Option will be withdrawnOption. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of If You request an amount greater than the required minimum distribution will cause for this Contract, the entire amount to withdrawal will be subject to any applicable the Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a [$50 50] minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and/or an Excess Interest Adjustment. VA620 16 WITHDRAWAL PROVISIONS (CONT'D) WITHDRAWAL CHARGE. A Withdrawal Charge may be imposed upon certain withdrawals and Recapture in the event of payments under an income option commencing during the first Contract Year. Withdrawal Charges will be calculated in accordance with the Withdrawal Charge schedule on the Contract Data Page. The Withdrawal Charge is equal to the Withdrawal Charge percentage applied to the portion of Remaining Premium withdrawn. The Withdrawal Charge will be taken from the Investment Divisions and the Fixed Account Options in the same proportion as the requested withdrawal. The Withdrawal Charge will be deducted from the remaining Contract Value such that the actual reduction in Contract Value as a result of the withdrawal may be greater than the withdrawal amount requested and paid. For purposes of determining the Withdrawal Charge, earnings are defined as the excess of the Contract Value over the sum of Remaining Premiums. Withdrawals will be allocated first to earnings, if any (which may be withdrawn free of any Withdrawal Charge), and second to Remaining Premium on a first-in, first-out basis so that all withdrawals will be allocated to Remaining Premium to which the lowest (if any) Withdrawal Charges apply.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after Withdrawal are subject to Company limits. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge as shown on the Contract Data Page. The Withdrawal Charge percentage applicable to the initial Purchase Payment is determined by the amount of the initial Purchase Payment, the corresponding Accumulated Premium Breakpoint, as shown on the Contract Data Page, and Recapture how long the Purchase Payment to which the Withdrawal is attributed has been in the Contract. If a subsequent Purchase Payment is made that results in the sum of Purchase Payments achieving a higher Accumulated Premium Breakpoint, as shown on the Contract Data Page, then the percentage from the Withdrawal Charge as explained in more detail belowSchedule corresponding to that Accumulated Premium Breakpoint will apply to the entire subsequent Purchase Payment. Premiums The duration of the Withdrawal Charge schedule applicable to each Purchase Payment applies for a [seven] year period. Once a Withdrawal Charge schedule is set for a Purchase Payment, it is fixed for [seven] years and will not change for that Purchase Payment even if Subsequent Purchase Payments are received and/or partial Withdrawals are taken. No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail belowCharge. Premiums that are no longer subject In addition to the a Withdrawal Charge and Recapture Charge (and not previously withdrawn)Charge, plus earnings a withdrawal from a Fixed Account Option may be withdrawn free of Withdrawal Charges and Recapture Charges at any timealso incur an Interest Rate Adjustment. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in on which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge Interest Rate Adjustment on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Chargeand/or Interest Rate Adjustment. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Chargeand/or a Interest Rate Adjustment.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional rider and a withdrawal reduces the Net Contract Value to an amount less than $1,000. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. A full withdrawal will terminate the Contract. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • Withdrawal charges; • charges for withdrawal is received in Good Order at expenses relating to optional riders attached to the Service CenterContract; • charges for annual fees; and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Coderequired or requested federal and/or state income tax withholding. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.ICC10:10-1185-L

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our FS-995 (12/10) Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge as shown on the Contract Data Page. The Withdrawal Charge percentage applicable to the initial Purchase Payment is determined by the amount of the initial Purchase Payment, the corresponding Accumulated Premium Breakpoint, as shown on the Contract Data Page, and Recapture how long the Purchase Payment to which the Withdrawal is attributed has been in the Contract. If a subsequent Purchase Payment is made that results in the sum of Purchase Payments achieving a higher Accumulated Premium Breakpoint, as shown on the Contract Data Page, then the percentage from the Withdrawal Charge as explained in more detail belowSchedule corresponding to that Accumulated Premium Breakpoint will apply to the entire subsequent Purchase Payment. Premiums The duration of the Withdrawal Charge schedule applicable to each Purchase Payment applies for a seven year period. Once a Withdrawal Charge schedule is set for a Purchase Payment, it is fixed for seven years and will not change for that Purchase Payment even if Subsequent Purchase Payments are received and/or partial Withdrawals are taken. No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Variable Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Variable Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which the request for withdrawal a form satisfactory to us, is received at our Service Center. Withdrawals from the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawnconsidered to be taken from on a first-in, first-out basis for purpose of determining and crediting interest. Unless otherwise specified, The earlier Purchase Payments and associated earnings are deducted first. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the withdrawal reduces the Account Value in any Investment Option to an amount less than $1,000, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will be made from each Investment Division end this Contract and each Fixed Account Option in proportion to their current valuewe will have no further obligations under the Contract. Withdrawals will be based on values at Amount Available for Withdrawal — The amount available for withdrawal is the Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • withdrawal charge; • charges for expenses relating to any optional riders attached to the Contract; and • charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Termination of Contract — You may, on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. The withdrawal proceeds will be determined under the Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to Withdrawal Charges and Recapture Charges. In addition to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn)Charge, plus earnings a withdrawal from a Fixed Account Option may be withdrawn free of Withdrawal Charges and Recapture Charges at any timealso incur an Excess Interest Adjustment. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in on which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is [$500], or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest if anything is left in the that Investment Division or Fixed Account Option will be withdrawnOption. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of If You request an amount greater than the required minimum distribution will cause for this Contract, the entire amount to withdrawal will be subject to any applicable the Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a [$50 50] minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge, Recapture Charge and Recapture Chargeand/or an Excess Interest Adjustment.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from Withdrawals will reduce the Contract Value may Death Benefit Amount. Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • withdrawal charge; • charges for withdrawal is received in Good Order at expenses relating to optional riders attached to the Service CenterContract; and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive also reflect any required or requested federal and/or state income tax withholding. Pre-authorized Withdrawals — If the Withdrawal Charge Contract Value is at least $5,000, you may select the pre-authorized withdrawal option, and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You you may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a choose monthly, quarterly, semiannual or annual basiswithdrawals. Each withdrawal must be for at least $250. Pre-authorized withdrawals cannot be used to continue the Contract in force beyond the Annuity Date. Termination of Contract — You may, subject to on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a $50 minimum withdrawalsigned Lost Contract Affidavit with your request. Such withdrawals The withdrawal proceeds will be counted in determining determined under the portion Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess end of the Additional Free Withdrawal amount may be subject Business Day such request, in a form satisfactory to a Withdrawal Charge us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and Recapture Chargewe will have no further obligations under the Contract.

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in on which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while the Participant is living, the Owner You may withdraw all or part of the amounts Your Certificate Value under this Contract Certificate by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, Certificate must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Without a written notice to the contrary, withdrawals will be deducted from the Contract Certificate Value in proportion to their allocation among the Fixed Account Options and the Subaccounts. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Certificate (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Certificate Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the chart below. Premiums that The Withdrawal Charge applied to any withdrawal will depend on how long each Purchase Payment to which the withdrawal is attributed has been in the Certificate. No Withdrawal Charge is made on an amount withdrawn which is certified to be a Withdrawal Charge Exemption. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) Purchase Payments which are both no longer subject to the Withdrawal Charge and Recapture Charge are not yet withdrawn; and (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be 2) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. The Withdrawal Charge will be assessed against the Subaccounts and Recapture the Fixed Account Options in the same proportion as the remaining Certificate Value is allocated unless You request that the withdrawal come from a particular Fixed Account Option or Subaccount. If the remaining Certificate Value is insufficient to cover the Withdrawal Charge, any remaining balance will be deducted from the withdrawal amount requested. On the Certificate Date, if You are not retired or separated from service as explained under the Withdrawal Charge Exemption provision, the following Withdrawal Charge table applies for the first ten Certificate Years. Withdrawal Charges do not apply after the tenth Certificate Year. ------------------------------------- ----------------------- Number of Years Elapsed Withdrawal Charge as a Between Purchase Payment Contribution Percentage of Withdrawn and Date of Withdrawal Purchase Payment ------------------------------------- ----------------------- 0 6% ------------------------------------- ----------------------- 1 6% ------------------------------------- ----------------------- 2 5% ------------------------------------- ----------------------- 3 5% ------------------------------------- ----------------------- 4 4% ------------------------------------- ----------------------- 5 4% ------------------------------------- ----------------------- 6+ 0% ------------------------------------- ----------------------- On the Certificate Date, if You are retired or separated from service as explained under the Withdrawal Charge Exemption provision, the following Withdrawal Charge table applies for the first ten Certificate Years. In addition, You may withdraw up to an amount equal to 15% of Your Purchase Payments without Withdrawal Charges each Certificate Year. You will not receive the benefit of this free withdrawal in a full surrender and free withdrawals do not reduce future Withdrawal Charge amounts. Withdrawal Charges do not apply after the tenth Certificate Year. ------------------------------------- ----------------------- Number of Years Elapsed Withdrawal Charge as a Between Purchase Payment Contribution Percentage of Withdrawn and Date of Withdrawal Purchase Payment ------------------------------------- ----------------------- 0 6% ----------------------------------- ----------------------- 1 6% ----------------------------------- ----------------------- 2 5% ----------------------------------- ----------------------- 3 5% ----------------------------------- ----------------------- 4 4% ----------------------------------- ----------------------- 5+ 0% ----------------------------------- ----------------------- WITHDRAWAL CHARGE EXEMPTION A withdrawal will not be subject to Withdrawal Charges, if the Plan Administrator (or the Participant if there is no Plan Administrator) certifies such withdrawal is made to provide Plan benefits to You or Your Beneficiary due to any of the following events occurring subsequent to the issuance of this Certificate: (1) death; (2) disability as defined by the Plan but in no event unless the Participant satisfies the requirements of IRC 72(m)(7); (3) hardship, as defined by the Plan; (4) normal retirement at or after age 65; or (5) separation from service for reasons other than retirement.

WITHDRAWAL PROVISIONS. At or before Before the Income Date, annuity date and subject to the Owner may withdraw all or part conditions below the owner may: Withdraw a portion of the amounts under account value for cash subject to any applicable interest adjustment; contingent deferred sales load, and premium tax charges; or Automatically withdraw a portion of the account value by electing the systematic withdrawal option; or Withdraw the cash surrender value and terminate this Contract by informing certificate. Any amount withdrawn that exceeds the Company at the Service Center. For full withdrawalallowed amount, this Contractas described below, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a contingent deferred sales load. All withdrawals will be made from purchase payments on a first in, first out basis and then from earnings. Partial Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that Provisions ----------------------------------------------------------------- Partial withdrawals taken from the variable sub-accounts or general account options are no longer subject to a minimum withdrawal amount equal to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free lesser of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, $1,000 or the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end entire value of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawnvariable sub-account, whether a full withdrawal fixed account or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option guarantee period from which the withdrawal is requested must being made. We reserve the right to limit the number of partial withdrawals that may be at least [$100] after taken from the withdrawal is completed or general account options in any certificate year. We reserve the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion right not to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on process any withdrawal necessary to satisfy if the minimum distribution requirements of resulting account value is below the Internal Revenue Codeminimum, as shown on the Information Page. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Systematic Withdrawal Charge and Recapture Charge. You Option The owner may elect to take automatically receive a series of partial withdrawals under the systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, option subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. following conditions: Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge fee as described in the charges, fees and Recapture Chargeservices section of this certificate. Systematic withdrawals may only be taken from variable sub-accounts and general account options as designated by us from time to time. We reserve the right to prospectively change such designations. The owner may terminate systematic withdrawals at any time by notifying us at our service center. Once the option has been terminated, it may not be elected again for a twelve month period. Systematic withdrawals will automatically terminate if the certificate is annuitized, surrendered or otherwise distributed as a result of the owner's death. Surrender of this Certificate The owner may surrender this certificate to us for its cash surrender value on or before the annuity date. Surrender of the certificate will be subject to any withdrawal limitations imposed under applicable federal or state law, rules or regulations. Payment of the cash surrender value to the owner will be in full settlement of our liability under the certificate.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right, with prior written notice, to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional rider and a withdrawal reduces the Net Contract Value to an amount less than $1,000. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. A full withdrawal will terminate the Contract. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • Withdrawal charges; • charges for withdrawal is received in Good Order at expenses relating to optional riders attached to the Service CenterContract; • charges for annual fees; and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Coderequired or requested federal and/or state income tax withholding. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.10-2185-L

WITHDRAWAL PROVISIONS. At or before WITHDRAWALS - Prior to the Income Annuity Date, the Owner may withdraw all may, upon written request received by the Company, make a total or part partial withdrawal of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value A withdrawal will be based on values at result in the end cancellation of Accumulation Units from each applicable Subaccount of the Business Day Variable Account or a reduction in the General Account Value in the ratio that the Subaccount Value and/or the General Account Value bears to the total Contract Value. The Owner must specify in writing in advance which units are to be cancelled or values are to be reduced if other than the request for withdrawal above method is received at the Service Center in Good Orderdesired. In no event shall The Company will pay the amount withdrawnof any withdrawal within seven (7) days of receipt of a request in good order unless the Suspension Or Deferral Of Payments Or Transfers From The Variable Account provision or the Deferral Of Payments Or Transfers From The General Account provision is in effect. Each partial withdrawal must be for an amount which is not less than $500 or, whether a full withdrawal or partial withdrawalif smaller, exceed the remaining Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested remaining Withdrawal Value must be at least [$100] 500 after the a partial withdrawal is completed or completed. The Death Benefit is reduced when withdrawals are made. The amount of the Owner's entire interest reduction is described in the Investment Division or Fixed Account Option will be withdrawnDEATH OF OWNER section. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the WITHDRAWAL CHARGE - A Withdrawal Charge and Recapture Charge on any may be deducted in the event of a withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum all or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value. The Withdrawal Charge is imposed on a withdrawal of Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess attributable to a Purchase Payment within seven (7) years of receipt of the Additional Free Purchase Payment. The Withdrawal Charge, if any, is equal to 7% of the Purchase Payment withdrawn within the first year following receipt, 6% of the Purchase Payment withdrawn within the second year following receipt, 5% of the Purchase Payment withdrawn within the third year following receipt, 4% of the Purchase Payment withdrawn within the fourth year following receipt, 3% of the Purchase Payment withdrawn within the fifth year of receipt, 2% of the Purchase Payment withdrawn within the sixth year of receipt, 1% of the Purchase Payment withdrawn within the seventh year of receipt and 0% thereafter. For a partial withdrawal, the Withdrawal Charge will be deducted from the remaining Withdrawal Value, if sufficient, or from the amount withdrawn. The Withdrawal Charge will be deducted by cancelling Accumulation Units from each applicable Subaccount or reducing the General Account Value in the ratio that the Subaccount Value and/ or General Account bears to the total Contract Value. The Owner must specify in writing in advance if other than the above method of cancellation is desired. WAIVER OF WITHDRAWAL CHARGE - A withdrawal of 10% of the aggregate Purchase Payments may be subject to a made without the Withdrawal Charge and Recapture Charge.on a non-cumulative basis as follows:

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center, subject to the requirement that the amount remaining after withdrawal must be at least $500. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn is $1,000, subject to the minimums set forth by the laws of the State of New York. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valuein case of a full surrender. The Withdrawal Value Charge will be based on values assessed against the Variable Portfolio(s) and the available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract. FS-973 (6/07) 10 PENALTY-FREE WITHDRAWALS As of any day, You may make a withdrawal of up to the Penalty-Free Withdrawal amount for that day without incurring a Withdrawal Charge. Any Penalty-Free Withdrawal made in excess of penalty-free earnings in the Contract is considered to be a withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value at the end of that day less the Business Day Total Invested Amount. During the first Contract Year, the maximum Penalty-Free Withdrawal amount is equal to the penalty-free earnings in which the request for withdrawal is received at Contract as of the Service Center in Good Orderdate of withdrawal. In no event shall Alternatively, during the first Contract Year, You may make withdrawals of the Penalty-Free Withdrawal amount withdrawn, whether a full withdrawal or partial withdrawal, exceed through the Systematic Withdrawal ValueProgram. Except in connection with a The maximum Penalty-Free Withdrawal amount as of any systematic withdrawal programdate is 10% of the Total Invested Amount less any withdrawals already made during the Contract Year. After the first Contract Year, the minimum partial withdrawal maximum Penalty-Free Withdrawal amount is $500, or if less, as of the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which date of the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.greater of:

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the a Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in on which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is [$500], or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest if anything is left in the that Investment Division or Fixed Account Option will be withdrawnOption. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. In addition to a Withdrawal Charge, a withdrawal from a Fixed Account Option may also incur an Excess Interest Adjustment. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of If You request an amount greater than the required minimum distribution will cause for this Contract, the entire amount to withdrawal will be subject to any applicable the Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a [$50 50] minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and/or an Excess Interest Adjustment. VA310 14 WITHDRAWAL PROVISIONS (CONT'D) WITHDRAWAL CHARGE. As indicated above, a Withdrawal Charge may be imposed upon certain withdrawals. Withdrawal Charges will be calculated in accordance with the Withdrawal Charge table on the Contract Data Page. The Withdrawal Charge is deducted from the remaining Contract Value so that the actual reduction in Contract Value as a result of the withdrawal will be greater than the withdrawal amount requested and Recapture paid. For purposes of determining the Withdrawal Charge, withdrawals will be allocated first to earnings, if any (which may be withdrawn free of Withdrawal Charge), and then to Remaining Premium to which the lowest (if any) Withdrawal Charge applies on a first-in, first-out basis. The Withdrawal Charge is based on the portion of the Remaining Premiums withdrawn.

WITHDRAWAL PROVISIONS. At or before WITHDRAWALS - Prior to the Income Annuity Date, the Owner may withdraw all may, upon written request received by the Company, make a total or part partial withdrawal of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value A withdrawal will be based on values at result in the end cancellation of Accumulation Units from each applicable Subaccount of the Business Day Variable Account or a reduction in the General Account Value in the ratio that the Subaccount Value and/or the General Account Value bears to the total Contract Value. The Owner must specify in writing in advance which units are to be cancelled or values are to be reduced if other than the request for withdrawal above method is received at the Service Center in Good Orderdesired. In no event shall The Company will pay the amount withdrawnof any withdrawal within seven (7) days of receipt of a request in good order unless the Suspension Or Deferral Of Payments Or Transfers From The Variable Account provision or the Deferral Of Payments Or Transfers From The General Account provision is in effect. Each partial withdrawal must be for an amount which is not less than $1,000 or, whether a full withdrawal or partial withdrawalif smaller, exceed the remaining Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested remaining Withdrawal Value must be at least [$100] 1,000 after the a partial withdrawal is completed or the Owner's entire interest completed. WITHDRAWAL CHARGE - A Withdrawal Charge may be deducted in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the event of a withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum all or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value. The Withdrawal Charge is imposed on a withdrawal of Contract Value taken as an Additional Free Withdrawalattributable to a Purchase Payment within five (5) years of receipt. Systematic withdrawals in excess The Withdrawal Charge, if any, is equal to 5% of the Additional Free Purchase Payment withdrawn. For a partial withdrawal, the Withdrawal Charge will be deducted from the remaining Withdrawal Value, if sufficient, or from the amount withdrawn. The Withdrawal Charge will be deducted by canceling Accumulation Units from each applicable Subaccount or reducing the General Account Value in the ratio that the Subaccount Value and/or General Account bears to the total Contract Value. The Owner must specify in writing in advance if other than the above method of cancellation is desired. WAIVER OF WITHDRAWAL CHARGE - A withdrawal of 10% of the aggregate Purchase Payments may be subject to a made free from the Withdrawal Charge and Recapture Charge.on a non-cumulative basis as follows:

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center, subject to the requirement that the amount remaining after withdrawal must be at least $500. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn is $1,000, subject to the minimums set forth by the laws of the State of New York. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valuein case of a full surrender. The Withdrawal Value Charge will be based on values assessed against the Variable Portfolio(s) and the available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract. FS-973-1 (6/07) 10 PENALTY-FREE WITHDRAWALS As of any day, You may make a withdrawal of up to the Penalty-Free Withdrawal amount for that day without incurring a Withdrawal Charge. Any Penalty-Free Withdrawal made in excess of penalty-free earnings in the Contract is considered to be a withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value at the end of that day less the Business Day Total Invested Amount. During the first Contract Year, the maximum Penalty-Free Withdrawal amount is equal to the penalty-free earnings in which the request for withdrawal is received at Contract as of the Service Center in Good Orderdate of withdrawal. In no event shall Alternatively, during the first Contract Year, You may make withdrawals of the Penalty-Free Withdrawal amount withdrawn, whether a full withdrawal or partial withdrawal, exceed through the Systematic Withdrawal ValueProgram. Except in connection with a The maximum Penalty-Free Withdrawal amount as of any systematic withdrawal programdate is 10% of the Total Invested Amount less any withdrawals already made during the Contract Year. After the first Contract Year, the minimum partial withdrawal maximum Penalty-Free Withdrawal amount is $500, or if less, as of the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which date of the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.greater of:

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional Guaranteed Minimum Withdrawal Benefit (GMWB) rider and a withdrawal reduces the Net Contract Value to an amount less than $1,000. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We may require the return of this Contract or a signed Lost Contract Affidavit with your request. A full withdrawal will terminate the Contract. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • Withdrawal Charges; • charges for withdrawal expenses relating to optional riders attached to the Contract; • charges for the Premium Based Charge, if the Business Day is received in Good Order at also a Quarterly Contract Anniversary; • charges for annual fees (on a prorated basis for the Service Centercurrent Contract Year); and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Chargerequested federal and/or state income tax withholding.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after Withdrawal are subject to Company limits. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge, a Withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valuein case of a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end Variable Portfolio(s) and the available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full Withdrawal of the Business Day in which Contract. PENALTY-FREE WITHDRAWALS On any day before the request for withdrawal is received at Annuity Date, You may make a Withdrawal of up to the Service Center in Good OrderPenalty-Free Withdrawal amount as of that day without incurring a Withdrawal Charge. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end Any portion of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Penalty-Free Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal made in excess of the required minimum distribution will cause penalty-free earnings in the entire amount Contract is considered to be subject to any applicable a Withdrawal Charge of future Penalty-Free earnings and Recapture Charge. You may elect to take is therefore not a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion Withdrawal of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.Total AS-981 (5/06)

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the chart below. Premiums that The Withdrawal Charge percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in case of a full surrender. Number of Contribution Years Elapsed Withdrawal Charge as a Between Contribution Year of Purchase Payment Percentage of Withdrawn and Contribution Year of Withdrawal Charges Purchase Payment --------------------------------------------- ----------------------- 1 7% 2 6% 3 5% 4 4% 5 3% 6 2% 7 1% 8+ 0% The Withdrawal Charge will be assessed against the Variable Portfolio(s) and Recapture Charges at any timethe available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. Upon full withdrawalAfter a Withdrawal is taken, the Owner will receive remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract. PENALTY-FREE WITHDRAWALS As of any day, You may make a withdrawal of up to the Penalty-Free Withdrawal Valueamount for that day without incurring a Withdrawal Charge. The Any Penalty-Free Withdrawal made in excess of penalty-free earnings in the Contract is considered to be a withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value will be based on values at the end of that day less the Business Day Total Invested Amount. During the first Contract Year, the Penalty-Free Withdrawal amount is equal to the penalty-free earnings in which the request for withdrawal is received at Contract as of the Service Center in Good Orderdate of withdrawal. In no event shall Alternatively, during the first Contract Year, You may make withdrawals of the Penalty-Free Withdrawal amount withdrawn, whether a full withdrawal or partial withdrawal, exceed through the Systematic Withdrawal ValueProgram. Except in connection with a The Penalty-Free Withdrawal amount as of any systematic withdrawal programdate is 10% of the Total Invested Amount less any withdrawals already made during the Contract Year. After the first Contract Year, the minimum partial withdrawal maximum Penalty-Free Withdrawal amount is $500, or if less, as of the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which date of the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.greater of:

WITHDRAWAL PROVISIONS. At Withdrawals - You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from Withdrawals will reduce the Contract Value may Death Benefit Amount. Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount - The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right, with prior advance written notice, to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we will treat the withdrawal as a full withdrawal and will pay you the withdrawal proceeds as set forth in the Amount Available for Withdrawal provision. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal - The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • charges for withdrawal is received in Good Order at expenses relating to optional riders attached to the Service CenterContract; and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive also reflect any required or requested federal and/or state income tax withholding. Pre-authorized Withdrawals - If the Withdrawal Charge Contract Value is at least $5,000, you may select the pre-authorized withdrawal option, and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You you may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a choose monthly, quarterly, semiannual or annual basiswithdrawals. Each withdrawal must be for at least $250 or $100 for withdrawals distributed by Electronic Funds Transfer (EFT). Pre-authorized withdrawals cannot be used to continue the Contract in force beyond the Annuity Date. Termination of Contract - You may, subject to on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a $50 minimum withdrawalsigned Lost Contract Affidavit with your request. Such withdrawals The withdrawal proceeds will be counted in determining determined under the portion Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess end of the Additional Free Withdrawal amount may be subject Business Day such request, in a form satisfactory to a Withdrawal Charge us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and Recapture Chargewe will have no further obligations under the Contract.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the Minimum Amount Remaining After a Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when FS-993-PPS7 (12/10) 11 the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Owner, or Annuitant in the case of a completed Lost Non-Natural Owner, is living and the Contract Affidavitis in force. However, must no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be returned taken from a specific Investment Option(s) or pro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, the withdrawal will be taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amounts that may be withdrawn from your Contract are shown in the request Contract Specifications. If the withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than or equal to the Minimum Contract Value to Avoid Contract Termination as shown in the Contract Specifications, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional Guaranteed Minimum Withdrawal Benefit (GMWB) rider and a withdrawal reduces the Contract Value to an amount less than or equal to the Minimum Contract Value to Avoid Contract Termination as shown in the Contract Specifications. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • charges for expenses relating to optional riders attached to the Contract; • charges for Annual Fees; and • charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Owner or Annuitant in the case of a Non-Natural Owner, is living and the Contract is in force. We may require the return of this Contract or a signed Lost Contract Affidavit with your request. A full withdrawal will terminate the Contract. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Codewithdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.ICC12:10-1253

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right, with prior written notice, to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional Guaranteed Minimum Withdrawal Benefit (GMWB) rider and a withdrawal reduces the Net Contract Value to an amount less than $1,000. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Full Withdrawal - You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We may require the return of this Contract or a signed Lost Contract Affidavit with your request. A full withdrawal will terminate the Contract. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • Withdrawal Charges; • charges for withdrawal expenses relating to optional riders attached to the Contract; • charges for the Premium Based Charge, if the Business Day is received in Good Order at also a Quarterly Contract Anniversary; • charges for annual fees (on a prorated basis for the Service Centercurrent Contract Year); and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Coderequired or requested federal and/or state income tax withholding. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.10-2212

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request is received at our Service Center. Minimum Withdrawal Amount — The minimum amounts that may be withdrawn from your Contract are shown in which the request Contract Specifications. If the withdrawal reduces the Account Value in any Investment Option to an amount less than the Minimum Investment Option Value as shown in the Contract Specifications, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than or equal to the Minimum Contract Value to Avoid Contract Termination as shown in the Contract Specifications, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional Guaranteed Minimum Withdrawal Benefit (GMWB) rider and a withdrawal reduces the Contract Value to an amount less than or equal to the Minimum Contract Value to Avoid Contract Termination as shown in the Contract Specifications. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: · charges for expenses relating to optional riders attached to the Contract; · charges for Annual Fees; and · charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Contract is in force. We may require the return of this Contract or a signed Lost Contract Affidavit with your request. A full withdrawal will terminate the Contract. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At or before any time prior to the Income Guarantee Period End Date, the Owner You may withdraw all or part request a partial withdrawal of the amounts Fair Market Value of the remaining Guaranteed Income Payments that are payable under this Contract by informing up to the Company Guarantee Period End Date. Any such withdrawal will result in a pro-rata reduction of the remaining Guaranteed Income Payments. The pro-rata reduction will be equal to the ratio of the amount withdrawn to the Fair Market Value immediately prior to the withdrawal of the remaining Guaranteed Income Payments payable under this Contract at the Service Centertime of the withdrawal. For full The pro-rata reduction in the Guaranteed Income Payments will be accomplished by reducing any Fixed Income Payment or Variable Income Payment by the pro-rata ratio. A Valuation Date will occur on the effective date of a partial withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may Withdrawals will be subject to the Minimum Withdrawal Amount shown on the Contract Schedule Page. All withdrawals under this Rider are also subject to a Withdrawal Charge and Recapture Charge as explained in more detail belowprocessing fee that will be deducted from the amount withdrawn. Premiums that are no longer subject The processing fee is equal to the Withdrawal Charge and Recapture Charge (and not previously withdrawn)Processing Fee shown on the Contract Schedule Page, plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall multiplied by the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed . The amount payable to You will be the Withdrawal Valueamount withdrawn less the processing fee. Except If amounts withdrawn would result in connection with a systematic withdrawal program, the minimum Guaranteed Income Payment determined on the effective date of the partial withdrawal amount is immediately following such withdrawal to be either (a) less than $500100.00 per month (or $1,200.00 per year, if paid other than monthly), or if less, (b) less than 25% of the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specifiedactual Initial Income Payment, the withdrawal will not be made from each Investment Division and each Fixed Account Option in proportion to their current valuepermitted. Withdrawals However, if the Income Type is Income for a Guaranteed Period, we will be based on values at treat the end withdrawal request as a request for a full withdrawal of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Fair Market Value of the Internal Revenue Coderemaining Guaranteed Income Payments under this Contract, and we will make no further payments under this Contract. Any Beginning with the first Income Payment due after the Guarantee Period End Date, provided the Annuitant is alive on that date, We will make the Income Payments determined as if no withdrawal in excess of the required minimum distribution will cause Fair Market Value of the entire amount to be subject to any applicable Withdrawal Charge Guaranteed Income Payments had occurred. All other terms and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion conditions of the Contract Value taken as an Additional Free Withdrawalremain unchanged. Systematic withdrawals in excess of the Additional Free Withdrawal amount may Metropolitan Life Insurance Company has caused this Rider to be subject to a Withdrawal Charge and Recapture Charge.signed by its Vice-President & Secretary. /s/ Gwenn L. Carr Gwenn L. Carr Vice-President & Secretary

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the Minimum Amount Remaining After a Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when FS-993-PPIII (12/10) 11 the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the chart below. Premiums that The Withdrawal Charge percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at 3) any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional remaining Penalty-Free Withdrawal amount may be (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge and Recapture Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in the case of a full surrender.

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as withdrawal charges. These charges are explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's ’s entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's ’s interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] 100 after the withdrawal is completed or the Owner's entire interest if anything is left in the that Investment Division or Fixed Account Option will be withdrawnOption. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. In addition to a Withdrawal Charge, a withdrawal from a Fixed Account Option may also incur an Interest Rate Adjustment. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of amounts greater than the required minimum distribution for this Contract, will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and/or a Interest Rate Adjustment WITHDRAWAL CHARGE. As indicated above, a Withdrawal Charge may be imposed upon certain withdrawals. Withdrawal Charges will be calculated in accordance with the Withdrawal Charge table on the Contract Data Page. VA250NY 14 WITHDRAWAL PROVISIONS (CONT’D) The Withdrawal Charge is deducted from the remaining Contract Value so that the actual reduction in Contract Value as a result of the withdrawal will be greater than the withdrawal amount requested and Recapture paid. For purposes of determining the Withdrawal Charge, withdrawals will be allocated first to earnings, if any (which may be withdrawn free of Withdrawal Charge), and then to Remaining Premium on a first-in, first-out basis so that all withdrawals are allocated to Remaining Premium to which the lowest (if any) Withdrawal Charge applies. The Withdrawal Charge is based on the portion of the Remaining Premiums withdrawn.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which the request for withdrawal a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the Service Center withdrawal reduces the Account Value in Good Orderany Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. In If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional rider and a withdrawal reduces the Net Contract Value to an amount less than $1,000. Payment of the withdrawal proceeds will end this Contract and we will have no event shall further obligations under the amount withdrawnContract. Full Withdrawal — You may, whether on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. A full withdrawal will terminate the Contract. We will require the return of this Contract or partial withdrawala signed Lost Contract Affidavit with your request. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, exceed the Withdrawal Valuein a form satisfactory to us, is received at our Service Center. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which Payment of the withdrawal is requested must be at least [$100] after proceeds will end this Contract and we will have no further obligations under the Contract. If you have a LOI and you choose to make a full withdrawal is completed or within 13 months of the Owner's entire interest Contract Date and the total additional Purchase Payments received are less than the amount indicated in your LOI, we will pay you the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less: • the difference between (1) and (2) where (1) is the Sales Charge applicable for the amount of total Purchase Payments received and (2) is the Sales Charge assessed for the initial Purchase Payment plus the amount indicated in the LOI; • charges for annual fees (on a prorated basis for the current Contract Year); • charges for expenses relating to optional riders attached to the Contract; and • charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. If you choose to make a full withdrawal after the end of 13 months from the Contract Date, or if you did not send us a LOI, we will pay you the withdrawal proceeds as determined under the Amount Available for Withdrawal provision. Amount Available for Withdrawal — The amount available for withdrawal is received in Good Order at the Service CenterNet Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • charges for expenses relating to optional riders attached to the Contract • charges for annual fees (on a prorated basis for the current Contract Year); and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Chargerequested federal and/or state income tax withholding.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. FS-993-PPS4 (12/10) The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At Withdrawals - You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount - The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal - The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: . withdrawal fee; . withdrawal charge; and . charges for premium taxes and/or other taxes. The amount we send you (the "withdrawal proceeds") will also reflect any required or requested federal and/or state income tax withholding. Termination of Contract - You may, on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. The withdrawal proceeds will be determined under the Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center, subject to the requirement that the amount remaining after withdrawal must be at least $500 . For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn is $1,000, subject to the minimums set forth by the laws of the State of New York. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at 3) any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional remaining Penalty-Free Withdrawal amount may be (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in case of a full surrender. The Withdrawal Charge will be assessed against the Variable Portfolio(s) and Recapture Chargethe available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the Minimum Amount Remaining After a Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. FS-993 (12/10) 11 The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at 3) any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional remaining Penalty-Free Withdrawal amount may be (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in case of a full surrender. The Withdrawal Charge will be assessed against the Variable Portfolio(s) and Recapture Chargethe available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • withdrawal charge; • charges for expenses relating to optional riders attached to the Contract; and • charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Termination of Contract — You may, on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. The withdrawal proceeds will be determined under the Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail belowCharge. Premiums that are no longer subject In addition to the a Withdrawal Charge and Recapture Charge (and not previously withdrawn)Charge, plus earnings a withdrawal from a Fixed Account Option may be withdrawn free of Withdrawal Charges and Recapture Charges at any timealso incur an Excess Interest Adjustment. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in on which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is [$500], or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest if anything is left in the that Investment Division or Fixed Account Option will be withdrawnOption. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of If You request an amount greater than the required minimum distribution will cause for this Contract, the entire amount to withdrawal will be subject to any applicable the Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a [$50 50] minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and/or an Excess Interest Adjustment. VA630 16 WITHDRAWAL PROVISIONS (CONT'D) WITHDRAWAL CHARGE. A Withdrawal Charge may be imposed upon certain withdrawals and Recapture in the event of payments under an income option commencing during the first Contract Year. Withdrawal Charges will be calculated in accordance with the Withdrawal Charge schedule on the Contract Data Page. The Withdrawal Charge is equal to the Withdrawal Charge percentage applied to the portion of Remaining Premium withdrawn. The Withdrawal Charge will be taken from the Investment Divisions and the Fixed Account Options in the same proportion as the requested withdrawal. The Withdrawal Charge will be deducted from the remaining Contract Value such that the actual reduction in Contract Value as a result of the withdrawal may be greater than the withdrawal amount requested and paid. For purposes of determining the Withdrawal Charge, earnings are defined as the excess of the Contract Value over the sum of Remaining Premiums. Withdrawals will be allocated first to earnings, if any (which may be withdrawn free of any Withdrawal Charge), and second to Remaining Premium on a first-in, first-out basis so that all withdrawals will be allocated to Remaining Premium to which the lowest (if any) Withdrawal Charges apply.

WITHDRAWAL PROVISIONS. At Withdrawals - You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Variable Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Variable Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount - The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $1,000, we reserve the right, with prior advance written notice, to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal - The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: * withdrawal charge; * charges for expenses relating to any optional riders attached to the Contract; and * charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Termination of Contract - You may, on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. The withdrawal proceeds will be determined under the Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Without a written notice to the contrary, withdrawals will be deducted from the Contract Value in proportion to their allocation among the Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the chart below. Premiums that The Withdrawal Charge applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is made on an amount withdrawn which is considered to be a withdrawal of penalty-free earnings. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are both no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at 3) any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional remaining Penalty-Free Withdrawal amount may be (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in the case of a full surrender. Number of Years Elapsed Withdrawal Charge as a Between Purchase Payment Contribution Percentage of Withdrawn and Recapture Charge.Date of Withdrawal Purchase Payment ------------------------------------- ----------------------- 0 9% 1 9% 2 8% 3 7% 4 6% 5 5% 6 4% 7 3% 8 2% 9+ 0% The Withdrawal Charge will be deducted from amounts remaining in the Variable Portfolios and the Fixed Account Options after the withdrawal, in the same proportion as the remaining Contract

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which the request for withdrawal a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the Service Center withdrawal reduces the Account Value in Good Orderany Investment Option to an amount less than $500, we reserve the right, with prior written notice, to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. In If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional rider and a withdrawal reduces the Net Contract Value to an amount less than $1,000. Payment of the withdrawal proceeds will end this Contract and we will have no event shall further obligations under the amount withdrawnContract. Full Withdrawal — You may, whether on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. A full withdrawal will terminate the Contract. We will require the return of this Contract or partial withdrawala signed Lost Contract Affidavit with your request. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, exceed the Withdrawal Valuein a form satisfactory to us, is received at our Service Center. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which Payment of the withdrawal is requested must be at least [$100] after proceeds will end this Contract and we will have no further obligations under the Contract. If you have a LOI and you choose to make a full withdrawal is completed or within 13 months of the Owner's entire interest Contract Date and the total additional Purchase Payments received are less than the amount indicated in your LOI, we will pay you the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less: • the difference between (1) and (2) where (1) is the Sales Charge applicable for the amount of total Purchase Payments received and (2) is the Sales Charge assessed for the initial Purchase Payment plus the amount indicated in the LOI; • charges for annual fees (on a prorated basis for the current Contract Year); • charges for expenses relating to optional riders attached to the Contract; and • charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. If you choose to make a full withdrawal after the end of 13 months from the Contract Date, or if you did not send us a LOI, we will pay you the withdrawal proceeds as determined under the Amount Available for Withdrawal provision. Amount Available for Withdrawal — The amount available for withdrawal is received in Good Order at the Service CenterNet Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • charges for expenses relating to optional riders attached to the Contract • charges for annual fees (on a prorated basis for the current Contract Year); and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Chargerequested federal and/or state income tax withholding.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center, subject to the requirement that the amount remaining after withdrawal must be at least $500. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn is $1,000, subject to the minimums set forth by the laws of the State of New York. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valuein case of a full surrender. The Withdrawal Value Charge will be based on values assessed against the Variable Portfolio(s) and the available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract. FS-973-2 (6/07) 10 PENALTY-FREE WITHDRAWALS As of any day, You may make a withdrawal of up to the Penalty-Free Withdrawal amount for that day without incurring a Withdrawal Charge. Any Penalty-Free Withdrawal made in excess of penalty-free earnings in the Contract is considered to be a withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value at the end of that day less the Business Day Total Invested Amount. During the first Contract Year, the maximum Penalty-Free Withdrawal amount is equal to the penalty-free earnings in which the request for withdrawal is received at Contract as of the Service Center in Good Orderdate of withdrawal. In no event shall Alternatively, during the first Contract Year, You may make withdrawals of the Penalty-Free Withdrawal amount withdrawn, whether a full withdrawal or partial withdrawal, exceed through the Systematic Withdrawal ValueProgram. Except in connection with a The maximum Penalty-Free Withdrawal amount as of any systematic withdrawal programdate is 10% of the Total Invested Amount less any withdrawals already made during the Contract Year. After the first Contract Year, the minimum partial withdrawal maximum Penalty-Free Withdrawal amount is $500, or if less, as of the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which date of the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.greater of:

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the Minimum Amount Remaining After a Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when FS-993-PPS4 (12/10) 11 the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the chart below. Premiums that The Withdrawal Charge percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in the case of a full surrender. Number of Years Elapsed Withdrawal Charge as a Between Purchase Payment Contribution Percentage of Withdrawn and Date of Withdrawal Charges Purchase Payment ---------------------- ---------------- 0 9% 1 9% 2 8% 3 7% 4 6% 5 5% 6 4% 7 3% 8 2% 9+ 0% The Withdrawal Charge will be assessed against the Variable Portfolio(s) and Recapture Charges at any timethe available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. Upon full withdrawalAfter a Withdrawal is taken, the Owner will receive remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract. PENALTY-FREE WITHDRAWALS As of any day, You may make a withdrawal of up to the Penalty-Free Withdrawal Valueamount for that day without incurring a Withdrawal Charge. The Any Penalty-Free Withdrawal made in excess of penalty-free earnings in the Contract is considered to be a withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value will be based on values at the end of that day less the Business Day Total Invested Amount. During the first Contract Year, the Penalty-Free Withdrawal amount is equal to the penalty-free earnings in which the request for withdrawal is received at Contract as of the Service Center in Good Orderdate of withdrawal. In no event shall Alternatively, during the first Contract Year, You may make withdrawals of the Penalty-Free Withdrawal amount withdrawn, whether a full withdrawal or partial withdrawal, exceed through the Systematic Withdrawal ValueProgram. Except in connection with a The Penalty-Free Withdrawal amount as of any systematic withdrawal programdate is 10% of the Total Invested Amount less any withdrawals already made during the Contract Year. After the first Contract Year, the minimum partial withdrawal maximum Penalty-Free Withdrawal amount is $500, or if less, as of the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which date of the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.greater of:

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Variable Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Variable Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $1,000, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: * withdrawal charge; * charges for expenses relating to any optional riders attached to the Contract; and * charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Termination of Contract — You may, on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. The withdrawal proceeds will be determined under the Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. FS-993 (12/10) The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At Withdrawals - You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount - The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal - The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: . withdrawal fee; . withdrawal charge; . annual fee; and . charges for premium taxes and/or other taxes. The amount we send you (the "withdrawal proceeds") will also reflect any required or requested federal and/or state income tax withholding. Termination of Contract - You may, on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. The withdrawal proceeds will be determined under the Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At or before WITHDRAWALS - Prior to the Income Annuity Date, the Owner may withdraw all you may, upon Notice to us, make a full or part partial withdrawal of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value A withdrawal will be based on values at result in the end cancellation of Accumulation Units from each applicable Subaccount of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest Separate Account in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining ratio that the portion of the Contract Value taken in the Subaccount bears to the total Contract Value. Any other account options included by Rider may be similarly reduced as detailed in such Rider. If another method is desired, you must specify in a Notice to us from which Subaccount(s) (or other accounts included by Rider) values are to be withdrawn. Each partial withdrawal must be for an Additional Free Withdrawalamount, which is not less than the minimum shown on the Contract schedule, or, if smaller, the remaining Withdrawal Value. Systematic withdrawals If the withdrawal would result in excess the Contract Value being less than the Minimum Contract Value as shown on the Contract schedule we will treat the withdrawal request as a request for a full withdrawal. WITHDRAWAL CHARGE - Upon withdrawal of all or a portion of the Additional Free Withdrawal amount may be subject to Contract Value, a Withdrawal Charge as described on the Contract schedule may be assessed. We may waive the withdrawal charge if we agree in writing that none will apply; for example, we may waive the withdrawal charge if you directly transfer the amount withdrawn to a funding vehicle pre-approved by us. For a partial withdrawal, the Withdrawal Charge will be deducted from the remaining Contract Value, if sufficient, or from the amount withdrawn. ANNUITY PROVISIONS ELECTION OF ANNUITY OPTION - The Annuity Option is chosen by you or your Beneficiary in a form satisfactory to us. We will automatically send you information about Annuity Options before your Annuity Date. If you do not choose an Annuity Option or make a full withdrawal by the Maturity Date we will automatically pay you under Option 2 - Life Annuity with Ten (10) Years of Income Payments Guaranteed. You can make or change or revoke your Annuity Option choice before the death benefit becomes payable or the Annuity Date, whichever occurs first. ANNUITY OPTIONS - You may choose to receive Income Payments monthly, quarterly, semi-annually or annually. The following Annuity Options, or any other options acceptable to you and Recapture Charge.us, may be chosen: Income for Specified Number of Years We make payments starting on the Annuity Date and continuing for the number of years chosen. The maximum number of years is 30. Life Income We make payments starting on the Annuity Date and continuing: 1. During the life of the Annuitant, with no payment after the death of the Annuitant, a "Life Income, No Refund"; or

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center, subject to the requirement that the amount remaining after withdrawal must be at least $500. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn is $1,000, subject to the minimums set forth by the laws of the State of New York. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valuein case of a full surrender. The Withdrawal Value Charge will be based on values assessed against the Variable Portfolio(s) and the available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract. PENALTY-FREE WITHDRAWALS As of any day, You may make a withdrawal of up to the Penalty-Free Withdrawal amount for that day without incurring a Withdrawal Charge. Any Penalty-Free Withdrawal made in excess of penalty-free earnings in the Contract is considered to be a withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value at the end of that day less the Business Day Total Invested Amount. During the first Contract Year, the maximum Penalty-Free Withdrawal amount is equal to the penalty-free earnings in which the request for withdrawal is received at Contract as of the Service Center in Good Orderdate of withdrawal. In no event shall Alternatively, during the first Contract Year, You may make withdrawals of the Penalty-Free Withdrawal amount withdrawn, whether a full withdrawal or partial withdrawal, exceed through the Systematic Withdrawal ValueProgram. Except in connection with a The maximum Penalty-Free Withdrawal amount as of any systematic withdrawal programdate is 10% of the Total Invested Amount less any withdrawals already made during the Contract Year. After the first Contract Year, the minimum partial withdrawal maximum Penalty-Free Withdrawal amount is $500, or if less, as of the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which date of the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.greater of:

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the chart below. Premiums that The Withdrawal Charge percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in case of a full surrender. Number of Full Years Elapsed Withdrawal Charge as a Between Purchase Payment Contribution Percentage of Withdrawn And Date of Withdrawal Charges Purchase Payment ------------------------------------- ----------------------- 0 7% 1 6% 2 6% 3 5% 4 4% 5 3% 6 2% 7+ 0% The Withdrawal Charge will be assessed against the Variable Portfolio(s) and Recapture Charges at any timethe available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. Upon full withdrawalAfter a Withdrawal is taken, the Owner will receive remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full surrender of the Contract. PENALTY-FREE WITHDRAWALS As of any day, You may make a withdrawal of up to the Penalty-Free Withdrawal Valueamount for that day without incurring a Withdrawal Charge. The Any Penalty-Free Withdrawal made in excess of penalty-free earnings in the Contract is considered to be a withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value will be based on values at the end of that day less the Business Day Total Invested Amount. During the first Contract Year, the Penalty-Free Withdrawal amount is equal to the penalty-free earnings in which the request for withdrawal is received at Contract as of the Service Center in Good Orderdate of withdrawal. In no event shall Alternatively, during the first Contract Year, You may make withdrawals of the Penalty-Free Withdrawal amount withdrawn, whether a full withdrawal or partial withdrawal, exceed through the Systematic Withdrawal ValueProgram. Except in connection with a The Penalty-Free Withdrawal amount as of any systematic withdrawal programdate is 10% of the Total Invested Amount less any withdrawals already made during the Contract Year. After the first Contract Year, the minimum partial withdrawal maximum Penalty-Free Withdrawal amount is $500, or if less, as of the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which date of the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.greater of:

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the Minimum Amount Remaining After a Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. FS-997-PVGII (5/11) 11 Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right, with prior written notice, to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional rider and a withdrawal reduces the Net Contract Value to an amount less than $1,000. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. A full withdrawal will terminate the Contract. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received at our Service Center. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • Withdrawal charges; • charges for withdrawal is received in Good Order at expenses relating to optional riders attached to the Service CenterContract; • charges for annual fees; and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Chargerequested federal and/or state income tax withholding.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the Minimum Amount Remaining After a Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our FS-995 (12/10) 11 Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge as shown on the Contract Data Page. The Withdrawal Charge percentage applicable to the initial Purchase Payment is determined by the amount of the initial Purchase Payment, the corresponding Accumulated Premium Breakpoint, as shown on the Contract Data Page, and Recapture how long the Purchase Payment to which the Withdrawal is attributed has been in the Contract. If a subsequent Purchase Payment is made that results in the sum of Purchase Payments achieving a higher Accumulated Premium Breakpoint, as shown on the Contract Data Page, then the percentage from the Withdrawal Charge as explained in more detail belowSchedule corresponding to that Accumulated Premium Breakpoint will apply to the entire subsequent Purchase Payment. Premiums The duration of the Withdrawal Charge schedule applicable to each Purchase Payment applies for a seven year period. Once a Withdrawal Charge schedule is set for a Purchase Payment, it is fixed for seven years and will not change for that Purchase Payment even if Subsequent Purchase Payments are received and/or partial Withdrawals are taken. No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • withdrawal charge; • charges for expenses relating to optional riders attached to the Contract; and • charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Termination of Contract — You may, on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. The withdrawal proceeds will be determined under the Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of to be less than the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.Minimum Amount Remaining After

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the Minimum Amount Remaining After a Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our FS-993-PPS9 (12/10) 11 Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At or before WITHDRAWALS During the Income DateAccumulation Period, the Owner you may withdraw all or part some of the Cash Value. You must apply using a form we accept. Any partial withdrawal amount must be at least the amount shown on the Policy Schedule, but must not reduce the Account Value below $100.00. Any amount withdrawn will be deducted from the Investment Option(s) in the same proportion as the Variable Investment Option(s) and the Guaranteed Interest Account Option values bear to the total Account Value. In the event you wish to withdraw amounts under this Contract by informing in any other proportion, you must specify the Company Investment Option(s) to be surrendered using a form we accept. If a total withdrawal is made on other than a Policy Anniversary, the Policy Maintenance Charge will be deducted at the Service Centertime of withdrawal. We will mail any payment within seven days after the date of receipt of the acceptable request unless the Suspension or Deferral of Payment Provision is in effect. WITHDRAWAL CHARGE During the first Policy Year, any withdrawals will have a Withdrawal Charge. After the first Policy Year, you may make a withdrawal of up to 10% of the Account Value once each Policy Year without incurring a Withdrawal Charge. This 10% free withdrawal amount will not be carried forward to the next Policy Year. The Withdrawal Charge is a percentage of the amount withdrawn in excess of the free withdrawal amount as shown below: Policy Withdrawal Policy Withdrawal Year Charge % Year Charge % 1 8% 6 3% 2 7% 7 2% 3 6% 8 1% 4 5% 9+ 0% 5 4% The Charge is calculated at the time of each withdrawal. The Withdrawal Charge will never exceed 8% of the total purchase payments. For full partial withdrawals, the Charge will be deducted from the Account Value remaining in the policy. No Withdrawal Charge will be applied upon payment of a death benefit or payment under any Life, Joint and Survivor, or Period Certain annuity providing at least seven annual or 72 monthly payments. SYSTEMATIC WITHDRAWAL PROGRAM After the first Policy Year, you may be able to participate in a Systematic Withdrawal Program in lieu of the 10% free withdrawal option. If the total amount of systematic withdrawals during a Policy Year exceeds the 10% free withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge will be incurred. During the Policy Year that systematic withdrawals begin, the 10% free withdrawal will be based on the Account Value on the Valuation Date immediately preceding the date the request for systematic withdrawals is processed. The request must be made on a form that we accept. During subsequent years, the free withdrawal will be based on the Account Value on the last Policy Anniversary. Systematic Withdrawals can be made monthly, quarterly or semi-annually. We reserve the right to: limit the terms and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn)conditions under which systematic withdrawals can be elected; and, plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges stop offering any or all systematic withdrawals at any time. Upon full withdrawalPROCEEDS PAYABLE ON DEATH DEATH BENEFIT AMOUNT PRIOR TO THE ANNUITY DATE The death benefit will be the greater of the purchase payments, less any withdrawals and Withdrawal Charges; or, Adjusted Account Value determined as of the Valuation Period during which we receive both due proof of death and an election for the payment period. DEATH OF OWNER PRIOR TO THE ANNUITY DATE If you or any Joint Owner die prior to the Annuity Date, the Owner death benefit will receive be paid to the Withdrawal ValueBeneficiary you designate. Upon the death of any Joint Owner, the surviving Joint Owner, if any, will be treated as the Primary Beneficiary. Any other Beneficiary designation on record at the time of death will be treated as a Contingent Beneficiary. The Withdrawal Value death benefit will be based on values at the end paid under one of the Business Day in which Death Benefit Options below. If the request for withdrawal Beneficiary is received at the Service Center in Good Order. In no event shall the amount withdrawnyour spouse, whether a full withdrawal he or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, she may continue this policy as the Owner's . DEATH BENEFIT OPTIONS - DEATH OF OWNER PRIOR TO THE ANNUITY DATE In the event of the death of the Owner or any Joint Owner prior to the Annuity Date, a non-spousal Beneficiary must elect the death benefit to be paid under one of the following options: 1. lump sum payment of the death benefit; 2. payment of the entire interest in death benefit within five years of the Investment Division date of your death or Fixed Account the death of any Joint Owner; or, 3. payment of the death benefit under an Annuity Option from which provided that: a. the annuity is distributed over the lifetime of the Beneficiary or over a withdrawal is requested. The period not extending beyond the life expectancy of the Beneficiary; and, b. the distribution begins within one year of the date of your death or any Joint Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Codedeath. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as death benefit that is not applied under an Additional Free Withdrawal. Systematic withdrawals in excess Annuity Option within one year of the Additional Free Withdrawal amount may date of death must be subject to a Withdrawal Charge and Recapture Chargedistributed within five years of the date of death.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request is received at our Service Center. Minimum Withdrawal Amount — The minimum amounts that may be withdrawn from your Contract are shown in which the request Contract Specifications. If the withdrawal reduces the Account Value in any Investment Option to an amount less than the Minimum Investment Option Value as shown in the Contract Specifications, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than or equal to the Minimum Contract Value to Avoid Contract Termination as shown in the Contract Specifications, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional Guaranteed Minimum Withdrawal Benefit (GMWB) rider and a withdrawal reduces the Contract Value to an amount less than or equal to the Minimum Contract Value to Avoid Contract Termination as shown in the Contract Specifications. Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal — The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: · withdrawal charges; · charges for expenses relating to optional riders attached to the Contract; · charges for Annual Fees; and · charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. Full Withdrawal — You may, on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Contract is in force. We may require the return of this Contract or a signed Lost Contract Affidavit with your request. A full withdrawal will terminate the Contract. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At or before WITHDRAWALS - Prior to the Income Annuity Date, the Owner may withdraw all may, upon written request received by the Company, make a total or part partial withdrawal of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value A withdrawal will be based on values at result in the end cancellation of Accumulation Units from each applicable Subaccount of the Business Day Variable Account or a reduction in the General Account Value in the ratio that the Subaccount Value and/or the General Account Value bears to the total Contract Value. The Owner must specify in writing in advance which units are to be cancelled or values are to be reduced if other than the request for withdrawal above method is received at the Service Center in Good Orderdesired. In no event shall The Company will pay the amount withdrawnof any withdrawal within seven (7) days of receipt of a request in good order unless the Suspension Or Deferral Of Payments Or Transfers From The Variable Account provision or the Deferral Of Payments Or Transfers From The General Account provision is in effect. Each partial withdrawal must be for an amount which is not less than $1,000 or, whether a full withdrawal or partial withdrawalif smaller, exceed the remaining Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested remaining Withdrawal Value must be at least [$100] 1,000 after the a partial withdrawal is completed or the Owner's entire interest completed. WITHDRAWAL CHARGE - A Withdrawal Charge may be deducted in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the event of a withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum all or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value. The Withdrawal Charge is imposed on a withdrawal of Contract Value taken as an Additional Free Withdrawalattributable to a Purchase Payment within five (5) years of receipt. Systematic withdrawals in excess The Withdrawal Charge, if any, is equal to 5% of the Additional Free Purchase Payment withdrawn. For a partial withdrawal, the Withdrawal Charge will be deducted from the remaining Withdrawal Value, if sufficient, or from the amount withdrawn. The Withdrawal Charge will be deducted by cancelling Accumulation Units from each applicable Subaccount or reducing the General Account Value in the ratio that the Subaccount Value and/or General Account bears to the total Contract Value. The Owner must specify in writing in advance if other than the above method of cancellation is desired. WAIVER OF WITHDRAWAL CHARGE - A withdrawal of 10% of the aggregate Purchase Payments may be subject to a made free from the Withdrawal Charge and Recapture Charge.on a non-cumulative basis as follows:

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. FS-993-PPS7 (12/10) The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At or before the Income Date, the Owner may withdraw all or part of the amounts under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Service Center. Premiums withdrawn from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as withdrawal charges. These charges are explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's ’s entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] 100 after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. In addition to a Withdrawal Charge, a withdrawal from a Fixed Account Option may also incur an Interest Rate Adjustment. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of amounts greater than the required minimum distribution for this Contract, will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and/or a Interest Rate Adjustment WITHDRAWAL CHARGE. As indicated above, a Withdrawal Charge may be imposed upon certain withdrawals. Withdrawal Charges will be calculated in accordance with the Withdrawal Charge table on the Contract Data Page. WITHDRAWAL PROVISIONS (CONT’D) The Withdrawal Charge is deducted from the remaining Contract Value so that the actual reduction in Contract Value as a result of the withdrawal will be greater than the withdrawal amount requested and Recapture paid. For purposes of determining the Withdrawal Charge, withdrawals will be allocated first to earnings, if any (which may be withdrawn free of Withdrawal Charge), and then to Remaining Premium on a first-in, first-out basis so that all withdrawals are allocated to Remaining Premium to which the lowest (if any) Withdrawal Charge applies. The Withdrawal Charge is based on the portion of the Remaining Premiums withdrawn.

WITHDRAWAL PROVISIONS. At Withdrawals - You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount - The minimum amount that may be withdrawn is $500. If the request withdrawal reduces the Account Value in any Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Amount Available for Withdrawal provision). Payment of the withdrawal proceeds will end this Contract and we will have no further obligations under the Contract. Amount Available for Withdrawal - The amount available for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: . withdrawal fee; and . charges for premium taxes and/or other taxes. The amount we send you (the "withdrawal proceeds") will also reflect any required or requested federal and/or state income tax withholding. Termination of Contract - You may, on or before the Annuity Date, terminate this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. We will require the return of this Contract or a signed Lost Contract Affidavit with your request. The withdrawal proceeds will be determined under the Amount Available for Withdrawal provision. Your request to terminate the Contract will normally be effective as of the end of the Business Day such request, in a form satisfactory to us, is received in Good Order at the our Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements Payment of the Internal Revenue Code. Any withdrawal in excess of proceeds will end this Contract and we will have no further obligations under the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture ChargeContract.

WITHDRAWAL PROVISIONS. At Withdrawals — You may, on or before the Income DateAnnuity Date and subject to the requirements, the Owner may limitations and restrictions described in this section, withdraw all or part a portion of the amounts amount available under this Contract by informing the Company at the Service Center. For full withdrawal, this Contract, while the Annuitant is living and the Contract is in force. However, no withdrawals are allowed within thirty (30) days of the Contract Date. You may specify that the withdrawal be taken from a specific Investment Option(s) or a completed Lost Contract Affidavitpro rata from all Investment Options. If your request does not specify the Investment Option(s) from which the withdrawal is to be made, must the withdrawal will be returned taken pro rata from all Investment Options relative to the Service CenterAccount Value in each option. Premiums withdrawn from the Contract Value may Withdrawals will normally be subject to a Withdrawal Charge and Recapture Charge effective as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day the withdrawal request, in which the request for withdrawal a form satisfactory to us, is received at our Service Center. Minimum Withdrawal Amount — The minimum amount that may be withdrawn is $500. If the Service Center withdrawal reduces the Account Value in Good Orderany Investment Option to an amount less than $500, we reserve the right to transfer such remaining Account Value to your other Investment Options on a pro rata basis relative to your most recent allocation instructions. In If the withdrawal reduces the Net Contract Value to an amount less than $1,000, we may terminate this Contract and pay you the withdrawal proceeds (see Full Withdrawal provision). We will not terminate the Contract if you own an optional rider and a withdrawal reduces the Net Contract Value to an amount less than $1,000. Payment of the withdrawal proceeds will end this Contract and we will have no event shall further obligations under the amount withdrawnContract. Full Withdrawal — You may, whether on or before the Annuity Date, make a full withdrawal under this Contract for its withdrawal proceeds, while the Annuitant is living and the Contract is in force. A full withdrawal will terminate the Contract. We will require the return of this Contract or partial withdrawala signed Lost Contract Affidavit with your request. Your request for a full withdrawal will normally be effective as of the end of the Business Day such request, exceed the Withdrawal Valuein a form satisfactory to us, is received at our Service Center. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which Payment of the withdrawal is requested must be at least [$100] after proceeds will end this Contract and we will have no further obligations under the Contract. If you have a LOI and you choose to make a full withdrawal is completed or within 13 months of the Owner's entire interest Contract Date and the total additional Purchase Payments applied to the Contract are less than the amount indicated in your LOI, we will pay you the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at Net Contract Value as of the end of the Business Day on which the withdrawal request is effective, less: • the difference between (1) and (2) where (1) is the Sales Charge applicable for the amount of total additional Purchase Payments applied to the Contract and (2) is the Sales Charge assessed for the initial Purchase Payment plus the amount indicated in the LOI; • charges for annual fees (on a prorated basis for the current Contract Year); • charges for expenses relating to optional riders attached to the Contract; and • charges for premium taxes and/or other taxes. The amount we send you (the “withdrawal proceeds”) will also reflect any required or requested federal and/or state income tax withholding. If you choose to make a full withdrawal after the end of 13 months from the Contract Date, or if you did not send us a LOI, we will pay you the withdrawal proceeds as determined under the Amount Available for Withdrawal provision. Amount Available for Withdrawal — The amount available for withdrawal is received in Good Order at the Service CenterNet Contract Value as of the end of the Business Day on which the withdrawal request is effective, less any: • charges for expenses relating to optional riders attached to the Contract • charges for annual fees (on a prorated basis for the current Contract Year); and • charges for premium taxes and/or other taxes. The Company amount we send you (the “withdrawal proceeds”) will waive the Withdrawal Charge and Recapture Charge on also reflect any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Chargerequested federal and/or state income tax withholding.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained shown in more detail the chart below. Premiums that The Withdrawal Charge percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at 3) any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional remaining Penalty-Free Withdrawal amount may be (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in case of a full surrender. Number of Contribution Years Elapsed Withdrawal Charge as a Between Contribution Year of Purchase Payment Percentage of Withdrawn and Recapture Charge.Contribution Year of Withdrawal Purchase Payment 1 7% 2 6% 3 5% 4 4%

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us in writing in a form satisfactory to Us at the Our Annuity Service Center. For a full withdrawalWithdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the Minimum Amount Remaining After a Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may treat Your request as a request for a full Withdrawal. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Option(s) and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal and the Contract are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of Withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the Withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet withdrawn and Recapture Charge no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and not previously withdrawn)still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, plus earnings may or portion thereof, is considered withdrawn when FS-998 (6/11) 11 the Withdrawal incurs a Withdrawal Charge, and are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valueif You take a full Withdrawal. The Withdrawal Value Charge will be based on values at assessed against the end of Variable Portfolio(s) and the Business Day available Fixed Account Option(s) in which the same proportion as the remaining Contract Value is allocated unless You request for withdrawal is received at that the Service Center in Good OrderWithdrawal come from a particular Variable Portfolio or available Fixed Account Option. In no event shall If the amount withdrawn, whether of a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of causes the Contract Value taken to be less than the Minimum Amount Remaining After a Partial Withdrawal, as an Additional Free shown on the Contract Data Page, We may treat Your partial Withdrawal request as a request for a full Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge and Recapture Charge.

WITHDRAWAL PROVISIONS. At On or before the Income Date, Annuity Date and while the Owner is living, You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn and the amount remaining after withdrawal are subject to Company limits. Without a written notice to the contrary, withdrawals will be deducted from the Contract Value may be subject to a Withdrawal Charge and Recapture Charge as explained in more detail below. Premiums that are no longer subject to the Withdrawal Charge and Recapture Charge (and not previously withdrawn), plus earnings may be withdrawn free of Withdrawal Charges and Recapture Charges at any time. Upon full withdrawal, the Owner will receive the Withdrawal Value. The Withdrawal Value will be based on values at the end of the Business Day in which the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal program, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current valueallocation among the Fixed Account Options and the Subaccounts. Withdrawals will be based on values at the end of the Business Day on NYSE business day in which the request for withdrawal is and the Contract (in the case of a full withdrawal) are received in Good Order at the Annuity Service Center. The Company will waive Unless the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS section is in effect, payment of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional Free Withdrawal amount may be subject to a Withdrawal Charge as shown in the chart below. The Withdrawal Charge percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in the Contract. No Withdrawal Charge is made on an amount withdrawn, which is considered to be a withdrawal of penalty-free earnings. For the purpose of determining the Withdrawal Charge, a withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments which are both no longer subject to the Withdrawal Charge and Recapture are not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full surrender); and (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn, are assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of a Penalty-Free Withdrawal in a full surrender.

WITHDRAWAL PROVISIONS. At On or before the Income DateAnnuity Date and while You are living, the Owner You may withdraw all or part of the amounts Your Contract Value under this Contract by informing the Company Us at the Our Annuity Service Center, subject to the requirement that the amount remaining after withdrawal must be at least $2,500. For a full withdrawal, this Contract, or a completed Lost Contract Affidavit, must be returned to the Our Annuity Service Center. Premiums The minimum amount that can be withdrawn is $1,000, subject to the minimums set forth by the laws of the State of New York. Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in proportion to their allocation among any available Fixed Account Options and the Variable Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for withdrawal and the Contract (in the case of a full withdrawal), are received at Our Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment of withdrawals will be made within seven calendar days. WITHDRAWAL CHARGE Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge and Recapture as shown on the Contract Data Page. The Withdrawal Charge as explained percentage applied to any withdrawal will depend on how long the Purchase Payment to which the withdrawal is attributed has been in more detail belowthe Contract. Premiums that are No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a Purchase Payment no longer subject to a Withdrawal Charge. For the purpose of determining the Withdrawal Charge, a Withdrawal will be attributed to amounts in the following order: (1) penalty-free earnings in the Contract; (2) Purchase Payments no longer subject to the Withdrawal Charge and Recapture Charge not yet withdrawn; (3) any remaining Penalty-Free Withdrawal amount (except in the case of a full Withdrawal); and not previously (4) Purchase Payments subject to a Withdrawal Charge. Purchase Payments, when withdrawn), plus earnings may are assumed to be withdrawn free of Withdrawal Charges and Recapture Charges at any timeon a first-in-first-out (FIFO) basis. Upon full withdrawal, the Owner You will not receive the benefit of a Penalty-Free Withdrawal Valuein case of a full surrender. The Withdrawal Value Charge will be based on values assessed against the Variable Portfolio(s) and the available Fixed Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account Option. After a Withdrawal is taken, the remaining Contract Value must be sufficient to cover any Withdrawal Charge remaining upon full Withdrawal of the Contract. PENALTY-FREE WITHDRAWALS On any day before the Annuity Date, You may make a Withdrawal of up to the Penalty-Free Withdrawal amount for that day without incurring a Withdrawal Charge. Any portion of the Penalty-Free 00 XX-000 (0/00) Xxxxxxxxxx xade in excess of the penalty-free earnings in the Contract is considered to be a Withdrawal of future penalty-free earnings and is therefore not a withdrawal of the Total Invested Amount. On any day, penalty-free earnings in the Contract are calculated as the Contract Value at the end of that day less the Business Day in which Total Invested Amount. During the request for withdrawal is received at the Service Center in Good Order. In no event shall the amount withdrawn, whether a full withdrawal or partial withdrawal, exceed the Withdrawal Value. Except in connection with a systematic withdrawal programfirst Contract Year, the minimum partial withdrawal amount is $500, or if less, the Owner's entire interest in the Investment Division or Fixed Account Option from which a withdrawal is requested. The Owner's interest in the Investment Division or Fixed Account Option from which the withdrawal is requested must be at least [$100] after the withdrawal is completed or the Owner's entire interest in the Investment Division or Fixed Account Option will be withdrawn. Unless otherwise specified, the withdrawal will be made from each Investment Division and each Fixed Account Option in proportion to their current value. Withdrawals will be based on values at the end of the Business Day on which the request for withdrawal is received in Good Order at the Service Center. The Company will waive the Withdrawal Charge and Recapture Charge on any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code. Any withdrawal in excess of the required minimum distribution will cause the entire amount to be subject to any applicable Withdrawal Charge and Recapture Charge. You may elect to take a systematic withdrawal by surrendering a specific sum or a certain percentage on a monthly, quarterly, semiannual or annual basis, subject to a $50 minimum withdrawal. Such withdrawals will be counted in determining the portion of the Contract Value taken as an Additional Free Withdrawal. Systematic withdrawals in excess of the Additional maximum Penalty-Free Withdrawal amount is equal to the penalty-free earnings in the Contract as of the date of Withdrawal. Alternatively, during the first Contract Year, You may be subject to a make Withdrawals of the Penalty-Free Withdrawal Charge and Recapture Charge.amount through the Systematic Withdrawal Program. The maximum Penalty-Free Withdrawal amount as of any systematic withdrawal date is 10% of the Total Invested Amount less any Withdrawals already made during the Contract Year. After the first Contract Year, the maximum Penalty-Free Withdrawal amount as of the date of the Withdrawal is the greater of: