Common use of ANNUITY UNITS UNDER VARIABLE PAYMENT PLANS Clause in Contracts

ANNUITY UNITS UNDER VARIABLE PAYMENT PLANS. The interest of this contract in the Separate Account after the effective date of a variable payment plan is represented by Annuity Units. There may be Class A Annuity Units and Class B Annuity Units. The Mortality and Expense Risk Charge used to calculate the Net Investment Factor for each class is shown on page 4. The dollar value of Annuity Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Annuity Unit on any Valuation Date is the product of: o the Annuity Unit value on the immediately preceding Valuation Date; o the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period); and o the Daily Adjustment Factor of .99990575 raised to a power equal to the number of days in the current period to reflect the Assumed Investment Rate of 3 1/2% used in calculating the monthly payment rate.

ANNUITY UNITS UNDER VARIABLE PAYMENT PLANS. The interest of this contract in the Separate Account after the effective date of a variable payment plan is represented by Annuity Units. There may be Class A Annuity Units and Class B Annuity Units. The Mortality and Expense Risk Charge used to calculate the Net Investment Factor for each class is shown on page 4. The dollar value of Annuity Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Annuity Unit on any Valuation Date is the product of: o . the Annuity Unit value on the immediately preceding Valuation Date; o . the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period); and o . the Daily Adjustment Factor of .99990575 raised to a power equal to the number of days in the current period to reflect the Assumed Investment Rate of 3 1/2% used in calculating the monthly payment rate.

ANNUITY UNITS UNDER VARIABLE PAYMENT PLANS. The interest of this contract in the Separate Account after the effective date of a variable payment plan is represented by Annuity Units. There may be Class A Annuity Units and Class B Annuity Units. The Mortality and Expense Risk Charge used to calculate the Net Investment Factor for each class is shown on page 4. The dollar value of Annuity Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Annuity Unit on any Valuation Date is the product of: o - the Annuity Unit value on the immediately preceding Valuation Date; o - the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period); and o - the Daily Adjustment Factor of .99990575 raised to a power equal to the number of days in the current period to reflect the Assumed Investment Rate of 3 1/2% used in calculating the monthly payment rate.

ANNUITY UNITS UNDER VARIABLE PAYMENT PLANS. The interest of this contract in the Separate Account after the effective date of a variable payment plan is represented by Annuity Units. There may be Class A Annuity Units and Class B Annuity Units. The Mortality and Expense Risk Charge used to calculate the Net Investment Factor for each class is shown on page 4. The dollar value of Annuity Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Annuity Unit on any Valuation Date is the product of: o • the Annuity Unit value on the immediately preceding Valuation Date; o • the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period); and o • the Daily Adjustment Factor of .99990575 raised to a power equal to the number of days in the current period to reflect the Assumed Investment Rate of 3 1/23.50% used in calculating the monthly payment rate.

ANNUITY UNITS UNDER VARIABLE PAYMENT PLANS. The interest of this contract in the Separate Account after the effective date of a variable payment plan is represented by Annuity Units. There may be Class A Annuity Units and Class B Annuity Units. The Mortality and Expense Risk Charge used to calculate the Net Investment Factor for each class is shown on page 4. The dollar value of Annuity Units for each Division will increase or decrease to reflect the investment experience of the Division. The value of an Annuity Unit on any Valuation Date is the product of: o • the Annuity Unit value on the immediately preceding Valuation Date; o • the Net Investment Factor for the period from the immediately preceding Valuation Date up to and including the current Valuation Date (the current period); and o • the Daily Adjustment Factor of .99990575 raised to a power equal to the number of days in the current period to reflect the Assumed Investment Rate of 3 1/2% used in calculating the monthly payment rate.