Common use of PURCHASE PAYMENT PROVISIONS Clause in Contracts

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received before the Purchase Payment Age Limit as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right to limit the maximum amount of Purchase Payments. DOLLAR COST AVERAGING (DCA) FIXED ACCOUNT OPTION(S) Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s) must be transferred to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of the DCA program, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The minimum contribution amount that may be allocated to the DCA Fixed Account Option(s) is $600 for the 6 month DCA, $1,200 for the 1 year DCA and $2,400 for the 2 year DCA CHANGES TO VARIABLE PORTFOLIO OFFERINGS If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions may be necessary and will be carried out in accordance with any applicable state and/or federal laws or regulations.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received before the Purchase Payment Age Limit as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated in accordance with instructions from You to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right to limit specify the minimum or maximum amount of Purchase PaymentsPayment that may be allocated to a Variable Portfolio or available Fixed Account Option under the Contract. DOLLAR COST AVERAGING (DCA) DCA FIXED ACCOUNT OPTION(S) Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s) must be transferred out to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of the DCA program, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The We reserve the right to impose a minimum or maximum contribution amount that may be level on Purchase Payments allocated to the a DCA Fixed Account Option(s) is $600 for and/or change the 6 month DCA, $1,200 for terms and conditions of the 1 year DCA and $2,400 for program at any time. We reserve the 2 year right to cease offering DCA CHANGES TO Fixed Account Option(s). We will notify you if we exercise this right. SUBSTITUTION OF VARIABLE PORTFOLIO OFFERINGS If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. At any given time, some Variable Portfolios may not be available for receipt Substitutions of Purchase Payment(s) or transfer(s). Substitutions may be necessary and securities will be carried out in accordance with any applicable state and/or federal laws or regulations.. ACCUMULATION PROVISIONS Prior to the Annuity Date, the Contract Value is the sum of the Separate Account Accumulation Value and the Fixed Account Accumulation Value. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Contract shall be the sum of the values of the Accumulation Units held in the Variable Portfolios for the Owner. NUMBER OF ACCUMULATION UNITS Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal to the sum of each Purchase Payment and/or transfer amount allocated to the Variable Portfolio reduced by premium taxes, if any: Divided by The Accumulation Unit Value for that Variable Portfolio for the NYSE business day in which the Purchase Payment or transfer amount is allocated. The number of Accumulation Units will be reduced for Withdrawals of Contract Value, annuitizations, amounts transferred out of a Variable Portfolio, the Contract Maintenance Fee and applicable charges for elected features as set forth in endorsements to this contract. Reductions will be made as of the NYSE business day in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Portfolio for any NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where:

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received before the Purchase Payment Age Limit as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated in accordance with instructions from You to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve The minimum Purchase Payment that may be allocated to a Variable Portfolio or available Fixed Account Option under the right Contract is $100. Subject to limit prior Company approval, the maximum amount of all Purchase PaymentsPayments made to the Contract may not exceed $1,000,000. DOLLAR COST AVERAGING PROGRAM To facilitate a dollar cost averaging program, a source account and target account(s) must be identified. Subject to Company disclosed restrictions, a source account can be any available 1-year fixed account, available fixed accounts designed to facilitate Dollar Cost Averaging (DCADCA Fixed Accounts) FIXED ACCOUNT OPTION(S) or a Variable Portfolio. The target account must be a Variable Portfolio. Any portion of a Purchase Payment allocated to the any available DCA Fixed Account Option(s) Options must be transferred out to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of a DCA program using the DCA programFixed Account as a source account, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining If money remains in the a DCA Fixed Account Option(s) at the time of annuitization, that amount will be applied to towards a Fixed Annuitization. The unit values credited and applied to Your your Contract are determined on each the date of transfer. The minimum contribution amount that may be allocated to the 6-month DCA Fixed Account Option(s) Option is $600 600. The minimum amount that may be allocated to the 12-month DCA Fixed Account Option is $1,200. If market conditions exist such that we are not able to credit at least the Minimum Guarantee Rate for Fixed Account Options shown on Contract Data Page, we reserve the 6 month DCA, $1,200 for right to cease offering DCA Fixed Account Options. We will notify you 30 days before the 1 year DCA and $2,400 for the 2 year DCA CHANGES TO end of a Fixed Account Option if we exercise this right. FS-973 (6/07) 7 SUBSTITUTION OF VARIABLE PORTFOLIO OFFERINGS If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. At any given time, some Variable Portfolios may not be available for receipt Substitutions of Purchase Payment(s) or transfer(s). Substitutions may be necessary and securities will be carried out in accordance with any applicable state and/or federal laws or regulations.. ACCUMULATION PROVISIONS Prior to the Annuity Date, the Contract Value is the sum of the Separate Account Accumulation Value and the Fixed Account Accumulation Value, if any. If Your Contract Value falls below $2,500, subject to applicable state and federal laws, rules and regulations, we may terminate Your Contract and send you the remaining dollar amount. SEPARATE ACCOUNT ACCUMULATION VALUE The Separate Account Accumulation Value under the Contract shall be the sum of the values of the Accumulation Units held in the Variable Portfolios for the Owner. NUMBER OF ACCUMULATION UNITS Your Contract is credited with Accumulation Units of the Separate Account when amounts are allocated to the Variable Portfolio(s). For that portion of each Purchase Payment and/or transfer amount allocated to a Variable Portfolio, the number of Accumulation Units credited is equal to the sum of each Purchase Payment and/or transfer amount allocated to the Variable Portfolio reduced by premium taxes, if any: Divided by The Accumulation Unit value for that Variable Portfolio for the NYSE business day in which the Purchase Payment or transfer amount is allocated. The number of Accumulation Units will be reduced for Withdrawals of Contract Value, annuitizations, amounts transferred out of a Variable Portfolio, the Contract Maintenance Fee and applicable charges for optional features as set forth in endorsements to this Contract. Reductions will be made as of the NYSE business day in which We receive all requirements for the transaction, as appropriate. ACCUMULATION UNIT VALUE (AUV) The AUV of a Variable Portfolio for any NYSE business day is calculated by subtracting (2) from (1) and dividing the result by (3) where:

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received before the Purchase Payment Age Limit as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right to limit the maximum amount of Purchase Payments. DOLLAR COST AVERAGING (DCA) FIXED ACCOUNT OPTION(S) Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s) must be transferred out to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of the DCA program, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The minimum contribution amount that may be allocated to the DCA Fixed Account Option(s) is $600 for the 6 month DCA, $1,200 for the 1 year DCA and $2,400 for the 2 year DCA CHANGES TO VARIABLE PORTFOLIO OFFERINGS If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions may be necessary and will be carried out in accordance with any applicable state and/or federal laws or regulations.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received before the Purchase Payment Age Limit as shown on the Contract Data Pageolder Owner’s 86th birthday. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve The minimum Purchase Payment that may be allocated to a Variable Portfolio or available Fixed Account Option under the right Contract is $100. Subject to limit prior Company approval, the maximum amount of all Purchase PaymentsPayments made to the Contract may not exceed $1,000,000. DOLLAR COST AVERAGING PROGRAM To facilitate a dollar cost averaging program, a source account and target account(s) must be identified. Subject to Company disclosed restrictions, a source account can be any available 1-year fixed account, available fixed accounts designed to facilitate Dollar Cost Averaging (DCADCA Fixed Accounts) FIXED ACCOUNT OPTION(S) or a Variable Portfolio. The target account must be a Variable Portfolio. Any portion of a Purchase Payment allocated to the any available DCA Fixed Account Option(s) Options must be transferred out to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of a DCA program using the DCA programFixed Account as a source account, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining If money remains in the a DCA Fixed Account Option(s) at the time of annuitization, that amount will be applied to towards a Fixed Annuitization. The unit values credited and applied to Your your Contract are determined on each the date of transfer. The minimum contribution amount that may be allocated to the 6-month DCA Fixed Account Option(s) Option is $600 for the 6 month DCA, $1,200 for the 1 year DCA and $2,400 for the 2 year DCA CHANGES TO VARIABLE PORTFOLIO OFFERINGS If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future600. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions The minimum amount that may be necessary and allocated to the 12-month DCA Fixed Account Option is $1,200. If market conditions exist Table of Contents such that we are not able to credit at least the Minimum Guarantee Rate for Fixed Account Options shown on the Contract Data Page, we reserve the right to cease offering DCA Fixed Account Options. We will be carried out in accordance with any applicable state and/or federal laws or regulationsnotify you 30 days before the end of a Fixed Account Option if we exercise this right. The DCA Fixed Accounts are not available if the Optional Payment Enhancement Endorsement has been elected.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received before the Purchase Payment Age Limit as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right to limit the maximum amount of Purchase Payments. DOLLAR COST AVERAGING (DCA) FIXED ACCOUNT OPTION(S) Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s) must be transferred to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of the DCA program, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The minimum contribution amount that may be allocated to the DCA Fixed Account Option(s) is $600 for the 6 month DCA, $1,200 for the 1 year DCA and $2,400 for the 2 year DCA DCA. CHANGES TO VARIABLE PORTFOLIO OFFERINGS If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions may be necessary and will be carried out in accordance with any applicable state and/or federal laws or regulations. FS-997-PVGII (5/11) 8 PAYMENT ENHANCEMENT PROVISIONS We will allocate Payment Enhancement(s) to available Variable Portfolio(s) and/or Fixed Account Option(s) in the same proportion as each corresponding Purchase Payment. The Initial Payment Enhancement Rate applicable to the Initial Purchase Payment is as shown on the Contract Data Page. Payment Enhancement(s) for subsequent Purchase Payment(s) are limited to the first two Contract Years and will be determined by the Payment Enhancement Rate in effect at the time Your subsequent Purchase Payment is received by Us. We will send You a confirmation of the Payment Enhancement allocated to Your Contract Value.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received before the Purchase Payment Age Limit as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right to limit the maximum amount of Purchase Payments. DOLLAR COST AVERAGING (DCA) FIXED ACCOUNT OPTION(S) Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s) must be transferred to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of the DCA program, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The minimum contribution amount that may be allocated to the DCA Fixed Account Option(s) is $600 for the 6 month DCA, $1,200 for the 1 year DCA and $2,400 for the 2 year DCA DCA. CHANGES TO VARIABLE PORTFOLIO OFFERINGS If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions may be necessary and will be carried out in accordance with any applicable state and/or federal laws or regulations.

PURCHASE PAYMENT PROVISIONS. PURCHASE PAYMENTS Purchase Payments are flexible. This means that, subject to Company disclosed restrictions, You may change the amounts, frequency and/or timing of Purchase Payments. Purchase Payments can be made at any time after the Contract Date, but must be received before the Purchase Payment Age Limit as shown on the Contract Data Page. With instructions from You, Purchase Payments will be allocated to the Variable Portfolio(s) and/or Fixed Account Option(s), if available. We reserve the right to limit the maximum amount of Purchase Payments. DOLLAR COST AVERAGING (DCA) FIXED ACCOUNT OPTION(S) Any portion of a Purchase Payment allocated to the DCA Fixed Account Option(s) must be transferred to the Variable Portfolio(s) within the specified DCA Fixed Account Option period. Upon termination of the DCA program, any amounts remaining in the DCA Fixed Account Option(s) will be transferred to the DCA target allocation(s) for the program being terminated. Upon annuitization, any amounts remaining in the DCA Fixed Account Option(s) will be applied to a Fixed Annuitization. The unit values credited and applied to Your Contract are determined on each date of transfer. The minimum contribution amount that may be allocated to the DCA Fixed Account Option(s) is $600 for the 6 month DCA, $1,200 for the 1 year DCA and $2,400 for the 2 year DCA CHANGES TO VARIABLE PORTFOLIO OFFERINGS If the shares of an Underlying Fund should no longer be available for investment by the Separate Account, then We may substitute shares of another Underlying Fund, for shares already purchased, or to be purchased in the future. At any given time, some Variable Portfolios may not be available for receipt of Purchase Payment(s) or transfer(s). Substitutions may be necessary and will be carried out in accordance with any applicable state and/or federal laws or regulations. FS-993-PPS9 (12/10) 8 PAYMENT ENHANCEMENT PROVISIONS We will allocate Payment Enhancements to available Variable Portfolio(s) and/or Fixed Account Option(s) in the same proportion as each corresponding Purchase Payment.