Common use of THE SEPARATE ACCOUNT Clause in Contracts

THE SEPARATE ACCOUNT. Nature of the Separate Account The Separate Account is registered with the SEC under the Investment Company Act of 1940 as a Unit Investment Trust type of investment company. It is also subject to the laws of Missouri. We established the Separate Account to support variable annuity contracts. We own the assets of the Separate Account and keep them separate from the assets of our general investment account. We use the assets of the Separate Account to buy shares in the Fund(s). The Separate Account has Subaccounts which are invested in corresponding specific portfolios of the Fund(s). Income and realized and unrealized gains and losses from assets in each Subaccount are credited to, or charged against, the Subaccount without regard to income, gains or losses in our other investment accounts. We will determine the value of the assets in the Separate Account at the end of each Business Day. In order to determine the value of an asset on a day that is not a Business Day, we will use the value of that asset as of the end of the next Business Day on which trading takes place. We will always keep assets in the Separate Account with a value at least equal to the total investment amount under contracts similar to this one. To the extent those assets do not exceed this total, we use them to support only those contracts and do not use those assets to support any other business. We may use any excess over this amount in any way we choose. Subaccounts The Separate Account has several Subaccounts. Each Subaccount invests in a corresponding portfolio of the Fund(s). The portfolios available on the Contract Date are listed on the Contract Schedule Page. Allocations to the Subaccounts You determine, using whole percentages, what portion of the initial Net Purchase Payment will be allocated among the Subaccounts at the end of the Free Look Period. The Contract Schedule Page will show your initial allocation percentages. You may choose to allocate nothing to a particular Subaccount. The minimum balance for each Subaccount must be at least $1,000. You may change the allocation percentages for additional Net Purchase Payments at anytime. The change will take effect on the date we receive notice from you by phone or in writing.

THE SEPARATE ACCOUNT. Nature of the Separate Account The Separate Account was established under Missouri law and is registered with the SEC under the Investment Company Act of 1940 as a Unit Investment Trust type of investment company. It is also subject to the laws of Missouri. We established the Separate Account to support variable annuity contracts. We own the assets of the Separate Account and keep them separate from the assets of our Our general investment account. We use the assets of the Separate Account to buy shares in the Fund(s). The Separate Account has Subaccounts which are invested in corresponding specific portfolios Portfolios of the Fund(s). Income and realized and unrealized gains and losses from assets in each Subaccount are credited to, or charged against, the Subaccount without regard to income, gains or losses in our Our other investment accounts. We will determine the value of the assets in the Separate Account at the end of each Business Day. In order to determine the value of an asset on a day that is not a Business Day, we We will use the value of that asset as of the end of the next Business Day on which trading takes placeDay. We will always keep assets in the Separate Account with a value at least equal to the total investment amount under contracts Contracts similar to this one. To the extent those assets do not exceed this total, we We use them to support only those contracts Contracts and do not use those assets to support any other business. We may use any excess over this amount in any way we chooseat Our discretion. Subaccounts The Separate Account has several Subaccounts. Each Subaccount invests in a corresponding portfolio Portfolio of the Fund(s). The portfolios Portfolios available on the Contract Date are listed on the Contract Schedule Page. Allocations to the Subaccounts You determine, using whole percentages, what portion of the initial Net Purchase Payment Payment(s) will be allocated among the Subaccounts at the end of the Free Look PeriodSubaccounts. The Contract Schedule Page will show your Your initial allocation percentages. You may choose to allocate nothing to a particular Subaccount. The minimum balance for each Subaccount prior to the Annuity Date must be at least $1,000250. You may change the allocation percentages for additional Net Purchase Payments at anytimeany time. The change will take effect on the date we We receive notice as required by Us. Accumulated Value On the Contract Date, the Accumulated Value is equal to Your Initial Purchase Payment less any applicable Premium Tax. On any Business day after the Contract Date, the Accumulated Value is equal to the Accumulated Value from you by phone or in writing.the previous Business Day, PLUS:

THE SEPARATE ACCOUNT. Nature of the Separate Account The Separate Account is registered with the SEC under the Investment Company Act of 1940 as a Unit Investment Trust type of investment company. It is also subject to the laws of Missouri. We established the Separate Account to support variable annuity contracts. We own the assets of the Separate Account and keep them separate from the assets of our general investment account. We use the assets of the Separate Account to buy shares in the Fund(s). The Separate Account has Subaccounts which are invested in corresponding specific portfolios of the Fund(s). Income and realized and unrealized gains and losses from assets in each Subaccount are credited to, or charged against, the Subaccount without regard to income, gains or losses in our other investment accounts. We will determine the value of the assets in the Separate Account at the end of each Business Day. In order to determine the value of an asset on a day that is not a Business Day, we will use the value of that asset as of the end of the next Business Day on which trading takes place. We will always keep assets in the Separate Account with a value at least equal to the total investment amount under contracts similar to this one. To the extent those assets do not exceed this total, we use them to support only those contracts and do not use those assets to support any other business. We may use any excess over this amount in any way we choose. Subaccounts The Separate Account has several Subaccounts. Each Subaccount invests in a corresponding portfolio of the Fund(s). The portfolios available on the Contract Date are listed on the Contract Schedule Page. Allocations to the Subaccounts You determine, using whole percentages, what portion of the initial Net Purchase Payment will be allocated among the Subaccounts at the end of the Free Look PeriodSubaccounts. The Contract Schedule Page will show your initial allocation percentages. You may choose to allocate nothing to a particular Subaccount. The minimum balance for each Subaccount must be at least atleast $1,000. You may change the allocation percentages for additional Net Purchase Payments at anytime. The change will take effect on the date we receive notice from you by phone or in writing.

THE SEPARATE ACCOUNT. Nature of the Separate Account The Separate Account is registered with the SEC under the Investment Company Act of 1940 as a Unit Investment Trust type of investment company. It is also subject to the laws of Missouri. We established the Separate Account to support variable annuity contracts. We own the assets of the Separate Account and keep them separate from the assets of our general investment account. We use the assets of the Separate Account to buy shares in the Fund(s). The Separate Account has Subaccounts which are invested in corresponding specific portfolios of the Fund(s). Income and realized and unrealized gains and losses from assets in each Subaccount are credited to, or charged against, the Subaccount without regard to income, gains or losses in our other investment accounts. We will determine the value of the assets in the Separate Account at the end of each Business Day. In order to determine the value of an asset on a day that is not a Business Day, we will use the value of that asset as of the end of the next Business Day on which trading takes place. We will always keep assets in the Separate Account with a value at least equal to the total investment amount under contracts similar to this one. To the extent those assets do not exceed this total, we use them to support only those contracts and do not use those assets to support any other business. We may use any excess over this amount in any way we choose. Subaccounts The Separate Account has several Subaccounts. Each Subaccount invests in a corresponding portfolio of the Fund(s). The portfolios available on the Contract Date are listed on the Contract Schedule Page. Allocations to the Subaccounts You determine, using whole percentages, what portion of the initial Net Purchase Payment will be allocated among the Subaccounts at the end of the Free Look PeriodSubaccounts. The Contract Schedule Page will show your initial allocation percentages. You may choose to allocate nothing to a particular Subaccount. The minimum balance for each Subaccount must be at least $1,000. You may change the allocation percentages for additional Net Purchase Payments at anytime. The change will take effect on the date we receive notice from you by phone or in writing.