Common use of Variable Annuity Payments — Subaccount Annuity Units Clause in Contracts

Variable Annuity Payments — Subaccount Annuity Units. For each Subaccount, we divide the amount of the initial Variable Annuity Payment from each Subaccount by the Annuity Unit Value for that Subaccount (the “Annuity Unit Value”) on the Annuity Date, to obtain the number of Annuity Units for that Subaccount. The number of Annuity Units in each Subaccount will not change unless exchanges of Annuity Units are made (or if the Joint and Survivor Annuity Option is elected and the primary Annuitant dies first), but the Annuity Unit Value of those Annuity Units will vary. If you select Variable Annuity Payments, we will continue to assess fees and charges applicable to your contract including the Mortality and Expense Risk Charge and the Administrative Fee. Subsequent Variable Payments — The amount of each Subsequent Variable Annuity Payment will be the sum of the amounts payable based on the Annuity Units in each Subaccount. To determine the amount payable for each Subaccount, we multiply the number of Annuity Units in that Subaccount by their Annuity Unit Value on the day in each payment period that corresponds to the Annuity Date. The smallest gross annual rate of return needed for the dollar amount of the Variable Annuity Payments to not decrease is equal to the sum of the assumed investment return (AIR) of 4.00% and all product fees and charges. The fees and charges would include the Mortality and Expense Risk Charge and the Administrative Fee, as well as the fund level expenses. Annuity Unit Value — The initial Annuity Unit Value for each Subaccount was arbitrarily set at $10 on the Business Day the Subaccount began operations. At the end of each subsequent Business Day, the Annuity Unit Value for each Subaccount is equal to (A x B) x C, where:

Variable Annuity Payments — Subaccount Annuity Units. For each Subaccount, we divide the amount of the initial Variable Annuity Payment from each Subaccount by the Annuity Unit Value for that Subaccount (the “Annuity Unit Value”) on the Annuity Date, to obtain the number of Annuity Units for that Subaccount. The number of Annuity Units in each Subaccount will not change unless exchanges of Annuity Units are made (or if the Joint and Survivor Annuity Option is elected and the primary Annuitant dies first), but the Annuity Unit Value of those Annuity Units will vary. If you select Variable Annuity Payments, we will continue to assess fees and charges applicable to your contract including the Mortality and Expense Risk Charge Charge, the Administrative Fee, and the Administrative Platform Fee. Subsequent Variable Payments — The amount of each Subsequent Variable Annuity Payment will be the sum of the amounts payable based on the Annuity Units in each Subaccount. To determine the amount payable for each Subaccount, we multiply the number of Annuity Units in that Subaccount by their Annuity Unit Value on the day in each payment period that corresponds to the Annuity Date. The smallest gross annual rate of return needed for the dollar amount of the Variable Annuity Payments to not decrease is equal to the sum of the assumed investment return (AIR) of [4.00% %] and all product fees and charges. The fees and charges would include the Mortality and Expense Risk Charge Charge, the Administrative Fee, and the Administrative Platform Fee, as well as the fund level expenses. Annuity Unit Value — The initial Annuity Unit Value for each Subaccount was arbitrarily set at $10 on the Business Day the Subaccount began operations. At the end of each subsequent Business Day, the Annuity Unit Value for each Subaccount is equal to (A x B) x C, where:

Variable Annuity Payments — Subaccount Annuity Units. For each Subaccount, we divide the amount of the initial Variable Annuity Payment variable annuity payment from each Subaccount by the Annuity Unit Value for that Subaccount (the “Annuity Unit Value”) on the Annuity Date, to obtain the number of Annuity Units for that Subaccount. The number of Annuity Units in each Subaccount will not change unless exchanges of Annuity Units are made (or if the Joint and Survivor Annuity Option is elected and the primary Primary Annuitant dies first), but the Annuity Unit Value of those Annuity Units will vary. If you select Variable Annuity Paymentsvariable annuity payments are selected by you, we will continue to assess fees and charges applicable to your contract including the Mortality and Expense Risk Charge charge and the Administrative FeeFee as described in the Contract Specifications. Subsequent Variable Payments — The amount of each Subsequent Variable Annuity Payment subsequent variable annuity payment will be the sum of the amounts payable based on the Annuity Units in each Subaccount. To determine the amount payable for each Subaccount, we multiply the number of Annuity Units in that Subaccount by their Annuity Unit Value on the day in each payment period that corresponds to the Annuity Date. The smallest gross annual rate of return needed for the dollar amount of the Variable Annuity Payments variable annuity payments to not decrease is equal to the sum of the assumed investment return interest rate (AIR) of 4.00% and all product fees and charges. The fees and charges would include the Mortality and Expense Risk Charge charge and the Administrative FeeFee as shown in the Contract Specifications, as well as the fund level expenses. Annuity Unit Value — The initial Annuity Unit Value for each Subaccount was arbitrarily set at $10 on the Business Day the Subaccount began operations. At the end of each subsequent Business Day, the Annuity Unit Value for each Subaccount is equal to (A x B) x C, where:.

Variable Annuity Payments — Subaccount Annuity Units. For each Subaccount, we divide the amount of the initial Variable Annuity Payment from each Subaccount by the Annuity Unit Value for that Subaccount (the “Annuity Unit Value”) on the Annuity Date, to obtain the number of Annuity Units for that Subaccount. The number of Annuity Units in each Subaccount will not change unless exchanges of Annuity Units are made (or if the Joint and Survivor Annuity Option is elected and the primary Annuitant dies first), but the Annuity Unit Value of those Annuity Units will vary. If you select Variable Annuity Payments, we will continue to assess fees and charges applicable to your contract including the Mortality and Expense Risk Charge and the Administrative Fee. Subsequent Variable Payments — The amount of each Subsequent Variable Annuity Payment will be the sum of the amounts payable based on the Annuity Units in each Subaccount. To determine the amount payable for each Subaccount, we multiply the number of Annuity Units in that Subaccount by their Annuity Unit Value on the day in each payment period that corresponds to the Annuity Date. The smallest gross annual rate of return needed for the dollar amount of the Variable Annuity Payments to not decrease is equal to the sum of the assumed investment return interest rate (AIR) of [4.00% %] and all product fees and charges. The fees and charges would include the Mortality and Expense Risk Charge and the Administrative Fee, as well as the fund level expenses. Annuity Unit Value — The initial Annuity Unit Value for each Subaccount was arbitrarily set at $10 on the Business Day the Subaccount began operations. At the end of each subsequent Business Day, the Annuity Unit Value for each Subaccount is equal to (A x B) x C, where:.