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CONTRACT INDEX
Your Contract • March 2nd, 1999 • Variable Annuity Account
Your contract
Your Contract • June 19th, 2018 • England
KNOW YOUR CONTRACT
Your Contract • October 20th, 2020

The Palomar Community College District, hereinafter referred to as District, has recognized the Palomar Community College Council of Classified Employees, AFT Local #4522, hereinafter CCE/AFT, as the exclusive representative for a bargaining unit of classified employees described in PERB Certificate of Representative dated March 23, 1987.

GOLDEN FLEXIBLE PREMIUM -------- AMERICAN DEFERRED COMBINATION -------------- LIFE INSURANCE VARIABLE AND FIXED ------- COMPANY ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

MORTALITY AND EXPENSE RISK CHARGE - We deduct a charge from the assets in each Variable Separate Account Division on a daily basis for mortality and expense risks. The charge is not deducted from the Fixed Account or General Account values. Prior to the Annuity Commencement Date, the Mortality and Expense Risk Charge varies by Benefit Option Package selected by you, as follows:

Annuitant Owner [Thomas J. Doe] [John Q. Public] Initial Premium Annuity Option Annuity Commencement Date [$10,000] [Life-10 Year Certain] [January 1, 2024] Separate Account(s) Contract Number [Separate Account B and the Fixed Account] [123456]
Your Contract • February 2nd, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

[IF DEATHBEN="1": The Death Benefit is the greatest of (i) the Accumulation Value, (ii) the Guaranteed Death Benefit, (iii) the Cash Surrender Value, and (iv) the sum of premiums paid, less any partial withdrawals.

Annuitant Jane Doe 001234567Z Contract Number
Your Contract • April 30th, 2012 • Farmers Annuity Separate Account A

In this contract “we,” “us,” and “our” refer to Farmers New World Life Insurance Company. “You” and “your” refer to the Owner of this contract.

GOLDEN AMERICAN DEFERRED VARIABLE LIFE INSURANCE ANNUITY CONTRACT COMPANY Golden American is a stock company domiciled in Delaware. -------------------------------------------------------------------------------
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions of the Variable Separate Account and the General Account shown in the Schedule.

YOUR CONTRACT 2024
Your Contract • March 21st, 2023

This contract applies to all students enrolling for undergraduate and postgraduate studies at Stellenbosch University (“the University”).

Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] |
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions of the Variable Separate Account and the General Account shown in the Schedule.

GOLDEN --------AMERICAN ----------LIFE INSURANCE -------COMPANY DEFERRED COMBINATION VARIABLE AND FIXED ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | | Initial Premium Annuity Option | |Annuity Commencement Date | | [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026]| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] |
Your Contract • February 2nd, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions of the Variable Separate Account and the General Account shown in the Schedule.

Dragon Raiders Ltd TERMS & CONDITIONS
Your Contract • February 27th, 2020

The contract is made on the terms of these booking conditions which are governed by English Law and we both agree to submit to the jurisdiction of the English Courts at all times. Any other terms proposed by the Client are excluded.

GOLDEN -------AMERICAN ---------LIFE INSURANCE -----COMPANY SINGLE PREMIUM DEFERRED MODIFIED GUARANTEED ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company.

GOLDEN FLEXIBLE PREMIUM -------- AMERICAN DEFERRED COMBINATION -------------- LIFE INSURANCE VARIABLE AND FIXED ------- COMPANY ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

Annuitant Owner | |[THOMAS J. DOE] [JOHN Q. DOE] | |Initial Premium Annuity Option Annuity Commencement Date| |[$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | |Separate Account(s) Contract Number | |[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]...
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

Contract
Your Contract • June 29th, 2017

YOUR CONTRACT WITH PRONTO HIRE LTD: When you sign the form over the page you accept the conditions of the rental agreement listed in this document.

GOLDEN AMERICAN DEFERRED VARIABLE LIFE INSURANCE ANNUITY CONTRACT COMPANY
Your Contract • February 2nd, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions of the Variable Separate Account and the General Account shown in the Schedule.

terms and conditions
Your Contract • January 30th, 2015 • England and Wales

Your Contract: Your contract is made with Challenges Un Limited ("CC", also sometimes referred to in these terms and conditions as “we”, “us” or “ourselves”),a corporation formed under the laws of England and Wales (Company No. 03786692), carrying on business as a tour operator in the United Kingdom under the trading name CHARITY CHALLENGE, with its head office and sole place of business located at: 22-23 Arcadia Avenue, London, N3 2JU, England. CC holds a licence under the Ontario Extra-Provincial Corporations Act (Corporation No. 1861783).

between
Your Contract • January 18th, 2018
Annuitant Owner(s) | |[THOMAS J. DOE] [JOHN Q. DOE] | |Initial Premium Annuity Option Annuity Commencement Date | |[$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | |Separate Account(s) Contract Number | |[THE MVA FIXED ACCOUNT] [123456] |
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between you and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions offered under the Separate Account, as shown in the Schedule.

Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED...
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

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THE MINNESOTA MUTUAL LIFE INSURANCE COMPANY HAS ISSUED THIS AGREEMENT AS A PART OF THE CONTRACT TO WHICH IT IS ATTACHED
Your Contract • April 23rd, 1997 • Minnesota Mutual Variable Annuity Account
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