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The United States Life Insurance Company in the City of New York

A STOCK COMPANY    NEW YORK, NEW YORK




	 	 	 

	CONTRACT NUMBER

	 	[P9999999999] ¬1
	OWNER
	 	
[JOHN DOE] ¬1







	 	 	 

	 ¬2	 	 ¬2





THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK (“We”, “Us”, the “Company”,
or “US Life”) agrees to provide benefits to the Owner in accordance with the provisions set forth
in this Contract and in consideration of the Application and/or confirmation thereof and Purchase
Payments We receive.



The value of amounts allocated to the Separate Account during the accumulation and annuity periods
is not guaranteed, and will increase or decrease in value based upon the investment experience of
the Variable Portfolios You choose.



The Separate Account Charge is charged against the assets of the Separate Account. This charge
includes fees for mortality and expense risk and the distribution expense. On an annualized basis
the charge equals 0.95%. These charges are assessed, on a simple interest basis, as a percentage
of the average daily ending value of the assets attributable to the Accumulation Units of the
Variable Portfolios to which your Contract Value is allocated. The daily charge is
1/365th of the annualized charge. Thus, the smallest annual effective rate of the
investment return that would have to be earned on assets of the Separate Account so that the dollar
amount of variable annuity payments will not decrease is 4.49%, compounded daily. The Contract’s
asumed rate of return is based on compound interest.



The Fixed Account Options, Dollar Cost Averaging (DCA) Fixed Account Option(s) or one or more fixed
account guarantee periods may not be available on the issue date. Please check with Your
registered representative for availability of these options as well as the Contract Data Page,
which lists available options.



RIGHT TO EXAMINE — If, within 10 days of receipt of this Contract (60 days if the Contract
replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may
return this Contract to Our Annuity Service Center or to the agent through whom the Contract was
purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is
greater, computed as of the business day during which we receive the Contract. Upon such refund,
the Contract shall be void.



For Individual Retirement Annuities, or if a refund of the Purchase Payment(s) is otherwise
required, We reserve the right to allocate Your Purchase Payment(s) to the Cash Management
Portfolio until the end of the Right To Examine period.



With 30 days advance notice, we may cease offering Fixed Account Guarantee Period Options and/or
Dollar Cost Averaging Fixed Account Options if market conditions are such that we are not able to
credit the Minimum Guarantee Rate shown on the Contract Data Page.




THIS IS A LEGAL DOCUMENT. READ IT CAREFULLY.

 ¬3




For Inquiries Call:

[1-800-445-7862] ¬4



INDIVIDUAL FIXED AND

VARIABLE DEFERRED ANNUITY CONTRACT

Nonparticipating



					
	 	 	 	 	 
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TABLE OF CONTENTS




	 	 	 

	Contract Data Page
	 	Page 3-4
	 
	 	 
	Definitions
	 	Page 5
	 
	 	 
	Purchase Payment Provisions
	 	Page 8
	 
	 	 
	Accumulation Provisions
	 	Page 8
	 
	 	 
	Charges and Deductions
	 	Page 10
	 
	 	 
	Transfer Provisions
	 	Page 11
	 
	 	 
	Withdrawal Provisions
	 	Page 11
	 
	 	 
	Death Provisions
	 	Page 13
	 
	 	 
	Annuity Provisions
	 	Page 16
	 
	 	 
	General Provisions
	 	Page 18
	 
	 	 
	Annuity Income Payment Options
	 	Page 21
	 
	 	 
	Fixed Annuity Income Payment Options Table
	 	Page 22
	 
	 	 
	Variable Annuity Income Payment Options Table
	 	Page 25






					
	 	 	 	 	 
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CONTRACT DATA PAGE




Contract Number: [P9999999999] ¬1     Contract Date: [May 2, 2011] ¬1




	 	 	 	 	 

	Owner: [JOHN DOE] ¬1

	 	Date of Birth: [March 1, 1976] ¬1
	 	Age at Issue: [35] ¬1
	 
	 	 	 	 
	5® [Owner: [JANE DOE] ¬1

	 	Date of Birth: [June 10, 1976] ¬1
	 	Age at Issue: [34] ¬1]
	 
	 	 	 	 
	Annuitant: [JOHN DOE] ¬1

	 	Date of Birth: [March 1, 1976] ¬1
	 	Age at Issue: [35] ¬1
	 
	 	 	 	 
	5® [Annuitant: [JANE DOE] ¬1

	 	Date of Birth: [June 10, 1976] ¬1
	 	Age at Issue: [34] ¬1]





Beneficiary: As named by You



Initial Purchase Payment: [$10,000.00] ¬1



Purchase Payment Age Limit: Prior to the 86th birthday



Minimum Subsequent Purchase Payment: $500



Fixed Account Options — Minimum Guarantee Rate: [1.0%]¬6




With 30 days advance notice, we may cease offering the Fixed Account Options, Fixed Account
Guarantee Period Options and/or Dollar Cost Averaging Fixed Account Options if market conditions
are such that we are not able to credit the Minimum Guarantee Rate Shown on this page.



Fixed Account Options: [1 Year Fixed, 6 Month DCA Fixed, 1 Year DCA Fixed, 2 Year DCA
Fixed] ¬7



Minimum Partial Withdrawal Amount: $1,000



Maximum Penalty-Free Withdrawal Percentage: 10%



Minimum Systematic Withdrawal Amount: $100



Minimum Amount Remaining After a Partial Withdrawal: $2,500




Premium Based Charge and Withdrawal Charge Schedule




	 	 	 	 	 
	Accumulated Premium	 	Premium Based	 	Withdrawal Charge as a Percentage of Each
	        Breakpoint	 	Charge*	 	Premium Withdrawn Over 7 Years**
	Less than $50,000
	 	5.00%	 	6%,5%,5%,4%,3%,2%,1%,0%
	$50,000-$99,999
	 	4.50%	 	5.5%,5%,5%,4%,3%,2%,1%,0%
	$100,000-$249,999
	 	3.50%	 	4.5%,4%,4%,3%,3%,2%,1%,0%
	$250,000-$499,999
	 	2.50%	 	3.5%,3%,3%,2.25%,2%,2%,1%,0%
	$500,000-$999,999
	 	2.00%	 	3%,2%,2%,1.5%,1%,1%,1%,0%
	$1,000,000 and over
	 	1.25%	 	2.25%,1.5%,1.5%,1%,1%,0.75%,0.50%,0%








 




			
	*	 	A Premium Based Charge applies to each Premium except for Premiums received prior to the first
Contract Quarter Anniversary where the sum of Premiums received is treated as a single Premium.
The total Premium Based Charge referenced above is deducted quarterly from the Contract Value over
a period of 7 years, for a total of 28 quarters, beginning on the first Contract Quarter
Anniversary after the Premium is received. See Page 10 under Charges and Deductions for more
information regarding the Premium Based Charge.
	 
	**	 	The Withdrawal Charge Schedule is based on the number of full years elapsed between Premium
contribution and the date of withdrawal as follows: 0, 1, 2, 3, 4, 5, 6, 7+.





See Page 11 for Withdrawal Provisions.




					
	 	 	 	 	 
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CONTRACT DATA PAGE (Cont’d.)



Minimum Transfer Amount: $100



Separate Account Charge (including guaranteed death benefit risk charge of 0.10%): 0.95%



Annual Contract Maintenance Fee: $50



Transfer Fee: $25



Earliest Annuity Date After the Contract Date: 13 months



Latest Annuity Date: 1st day of the month following Age 95



Separate Account: FS Variable Separate Account





¬8




					
	 	 	 	 	 
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DEFINITIONS



Defined in this section are some of the words and phrases used in this Contract. These terms are
capitalized when used in the Contract with the meaning set forth below.




ACCUMULATION UNIT



A unit of measure used to compute the Contract Value in a Variable Portfolio before the Annuity
Date.




AGE



Age as of last birthday. In the case of Joint Owners/Annuitants, the age of the older person will
be used to determine any age-driven benefit.




ANNUITANT



The natural person or persons (collectively, Joint Annuitants) whose life or lives is/are used to
determine the benefits under the Contract. If the Contract is in force and the Annuitant(s) is/are
alive on the Annuity Date, We will begin annuity income payments to the Payee. This Contract
cannot have Joint Annuitants if it is issued in connection with a tax-qualified retirement plan.




ANNUITY DATE



The date on which annuity income payments to the Payee begin. This date cannot be later than the
Latest Annuity Date.




ANNUITY SERVICE CENTER



The location shown on Page 1 of this Contract where all requests and Purchase Payments regarding
this Contract are to be sent.




ANNUITY UNIT



A unit of measure determined on or after the Annuity Date used to compute annuity income payments
from the Variable Portfolio(s).




BENEFICIARY



The Beneficiary You name at issue to receive the death benefit under this Contract upon Your death.
You may later change Your Beneficiary in a written request to Us at Our Annuity Service Center.




CONTINUATION DATE



The date on which We receive, at Our Annuity Service Center: (a) the Spousal Beneficiary’s written
request to continue the Contract in a form satisfactory to Us; and (b) Due Proof of Death of the
Owner. If We receive (a) and (b) on different dates, the Continuation Date will be the later date.




CONTRACT DATE



The date Your Contract is issued, as shown on the Contract Data Page. It is the date from which
Contract Years, Contract anniversaries and Contract Quarter Anniversaries are measured.




CONTRACT QUARTER ANNIVERSARY



The date following each consecutive 3 month period starting on the Contract Date.




CONTRACT VALUE



The sum of: (1) Your share of the Variable Portfolios’ Accumulation Unit Values; and (2) the value
of amounts if any, allocated to any available Fixed Account Option(s).




					
	 	 	 	 	 
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CONTRACT YEAR



The one year period starting from the Contract Date in one calendar year and ending on the day
preceding the anniversary in the following calendar year, and every year thereafter.




DOLLAR COST AVERAGING (DCA)



An optional program under which You authorize the systematic transfer of specified amounts or
percentages from any Variable Portfolio(s) or any available Fixed Account Option into any Variable
Portfolio(s) other than the source account.




FIXED ACCOUNT OPTION(S)



The investment options, if available under this Contract, that become part of the Company’s general
asset account and are credited with a fixed rate of interest declared by the Company. The general
asset account contains all the assets of the Company except for the Separate Account and other
segregated asset accounts.




FIXED ANNUITIZATION



A series of periodic annuity income payments of predetermined amounts that do not vary with
investment experience. Such payments are made from the Company’s general asset account. This
Contract provides several fixed annuity income payment options.




GUARANTEE PERIOD



The period for which a set rate of interest is credited to amounts allocated to each available
Fixed Account Option(s). We determine in Our sole discretion the periods, if any, that will be
offered.




IRC



The Internal Revenue Code of 1986 or as it may be amended or superseded.




JOINT OWNER



Any person named as Joint Owner on the Application and/or confirmation thereof and listed on the
Contract Data Page, unless subsequently changed. The Joint Owner, if any, possesses an undivided
interest in this Contract in conjunction with the Owner. All references within this Contract to
Owner will also apply to the Joint Owner.




LATEST ANNUITY DATE



The first day of the month following Age 95 of the Owner. If the Owner is a non-natural person,
the Latest Annuity Date is the first day of the month following Age 95 of the Annuitant.




MAXIMUM ANNUAL WITHDRAWAL AMOUNT



Guaranteed withdrawals applicable only if You have elected an optional living benefit or guaranteed
minimum withdrawal benefit and have not terminated the benefit under this Contract.




NET PURCHASE PAYMENT



The sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the
Contract Value is reduced by each such Withdrawal.




NYSE



New York Stock Exchange.




OWNER



The person or entity named in the Contract who is entitled to exercise all rights and privileges of
ownership under the Contract. Owner means both Joint Owners, if applicable.




					
	 	 	 	 	 
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PAYEE



The person receiving annuity income payments under this Contract.




PREMIUM BASED CHARGE



A charge that is deducted on each Contract Quarter Anniversary from Your Contract Value, during the
first seven years after each Premium is made.




PURCHASE PAYMENTS / PREMIUM



Payments in U.S. currency made by or on behalf of the Owner to the Company to fund the Contract.




REQUIRED DOCUMENTATION



Is: (a) Due Proof of Death that the Owner or the Spousal Beneficiary died before the Annuity Date;
(b) an election form specifying the annuity income payment options; and (c) any other documentation
We may require.




SEPARATE ACCOUNT



A segregated asset account named on the Contract Data Page. The Separate Account consists of
several Variable Portfolios, each investing in shares of the Underlying Fund(s). The assets of the
Separate Account are not commingled with the general assets and liabilities of the Company.
Income, gains and losses, whether or not realized, from assets allocated to the Separate Accounts
shall be credited to or charged against the applicable Separate Account without regard to other
income, gains, or losses of the Company. We will maintain Separate Account assets with a value at
least equal to the amounts accumulated in accordance with the applicable agreements with respect to
this Separate Account, and also the reserves for variable annuities in the course of payment. The
portion of the assets of the Separate Account not exceeding the reserves and other contract
liabilities shall not be chargeable with liabilities arising out of any other business of Ours.
The value of amounts allocated to the Variable Portfolios of the Separate Account is not
guaranteed.




SPOUSAL BENEFICIARY



The original deceased Owner’s surviving spouse who is designated as the primary Beneficiary at the
time of the Owner’s death and may continue the Contract as the Owner on the Continuation Date.




SUBSEQUENT PURCHASE PAYMENTS



Purchase Payments made after the initial Purchase Payment.




UNDERLYING FUND



The underlying investment portfolios in which the Variable Portfolio(s) invest.




VARIABLE ANNUITIZATION



A series of periodic annuity income payments which vary in amount according to the investment
experience of one or more Variable Portfolios, as selected by You. Such payments are made from the
Company’s Separate Account. This Contract provides several variable annuity income payment
options.




VARIABLE PORTFOLIO



One or more divisions of the Separate Account that provide for the variable investment options
available under this Contract. Each Variable Portfolio has its own investment objective and is
invested in the Underlying Fund(s). A Variable Portfolio is not chargeable with liabilities
arising out of any other Variable Portfolio.




WE, OUR, US, THE COMPANY



The United States Life Insurance Company in the City of New York.




					
	 	 	 	 	 
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WITHDRAWAL(S)



Amount(s) withdrawn from the Contract Value including any charges and fees applicable to each such
Withdrawal.




WITHDRAWAL ADJUSTMENTS



The term used to calculate how the amount of the death benefit will be adjusted for Withdrawals
depending on the amount of the Withdrawal and whether a living benefit or guaranteed minimum withdrawal
benefit is elected and has not been terminated.




YOU, YOUR



The Owner.




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.




ACCUMULATION PROVISIONS



Before the Annuity Date, the Contract Value is the sum of the Separate Account Accumulation Value
and the Fixed Account Accumulation Value. If Your Contract Value falls below $2,500 as a result of
taking partial Withdrawals, subject to applicable state and federal laws, rules and regulations, We
may terminate Your Contract and send You the remaining dollar amount.




					
	 	 	 	 	 
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SEPARATE ACCOUNT ACCUMULATION VALUE



The Separate Account Accumulation Value under the Contract is the sum of the Accumulation Unit
Values held in the Variable Portfolios for You. The Company does not hold itself out to be a
trustee of the Separate Account.




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 received.



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, if applicable, and
applicable charges for any elected features as set forth in Endorsements to this Contract. Any
reduction to the Contract Value 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:





	 	(1)	 	is the total value at the end of the given NYSE business day of the assets
attributable to the Variable Portfolio minus any applicable liabilities other than those
owed to You;
	 
	 	(2)	 	is the amount equal to the daily Separate Account Charge plus the daily charge
for any optional features that impose a daily charge;
	 
	 	(3)	 	is the number of Accumulation Units outstanding at the end of the given NYSE
business day.





FIXED ACCOUNT ACCUMULATION VALUE



The Fixed Account Accumulation Value, if any, is the sum of all amounts allocated or transferred to
the Fixed Account Option(s), if available, reduced by any applicable premium taxes, plus all
interest credited on the Fixed Account Option(s) during the period that You have Contract Value
allocated to the Fixed Account Option(s). This amount will be adjusted for Withdrawals,
annuitizations, transfers, the deduction of the Contract Maintenance Fee and applicable charges for
any elected features as set forth in Endorsements to this Contract. The Fixed Account Accumulation
Value will not be less than the minimum values required by law in the state where this Contract is
issued.




FIXED ACCOUNT GUARANTEE PERIOD OPTIONS AND INTEREST CREDITING



The portion of Your Contract Value within the Fixed Account Option(s), if any, is credited with
interest at rates guaranteed by Us for the Guarantee Period(s) selected. Interest is credited on a
daily basis at the then applicable effective interest rate for the applicable Guarantee Period.
You may select from one or more Guarantee Periods which We may offer at any particular time. We
reserve the right at any time to add or delete Guarantee Periods. A written notification will be
provided to the Owner at least 30 days prior to the discontinuation of a Guarantee Period. If You
have allocated any part of Your initial Purchase Payment to a Guarantee Period, the percentage
allocated, as well as the duration of the Guarantee Period, is shown on the election form and/or
confirmation thereof as completed by You.




					
	 	 	 	 	 
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The interest rate applicable to the allocation of a Purchase Payment or transfer of Contract Value
to a Guarantee Period is the rate in effect for that Guarantee Period at the time of the allocation
or transfer. If You have allocated or transferred amounts at different times to the Fixed Account
Option(s), each allocation or transfer may have a unique effective interest rate associated with
that amount. We guarantee that the effective annual rate of interest for the Fixed Account
Option(s), including any of the available Guaranteed Periods, will not be less than the Minimum
Guarantee Rate as mandated by Your state, and shown on the Contract Data Page.




CHARGES AND DEDUCTIONS



We will deduct the following charges from the Contract:




CONTRACT MAINTENANCE FEE



The charge as shown on the Contract Data Page, if applicable, will be deducted on each Contract
anniversary on or prior to the Annuity Date. It will also be deducted when the Contract Value is
withdrawn in full if the Withdrawal is not on the Contract anniversary. We reserve the right to
waive the fee for Contract Values of $75,000.00 and up.




PREMIUM BASED CHARGE



The Premium Based Charge is calculated and deducted from Your Contract Value on each Contract
Quarter Anniversary for seven years following the date each Premium is made. The applicable Premium
Based Charge is based on the Accumulated Premium Breakpoint achieved by the cumulative Premiums
received by Us, according to the table on the Contract Data Page.



The sum of Premiums made into Your Contract during the first Contract quarter determines the
initial Accumulated Premium Breakpoint and Premium Based Charge, as shown on the Contract Data
Page. The cumulative Premiums will not be reduced for any partial Withdrawals taken for purposes
of determining the applicable Accumulated Premium Breakpoint and Premium Based Charge.



After the first Contract quarter, the Accumulated Premium Breakpoint and the Premium Based Charge
percentage applicable to subsequent Premiums are determined by the sum of all Premiums previously
received plus the subsequent Premium(s) when received by Us. If the sum of Premiums results in a
higher Accumulated Premium Breakpoint being achieved, the Premium Based Charge percentage
applicable to the entire subsequent Premium will be based on the corresponding Accumulated Premium
Breakpoint. Once a Premium Based Charge is set for a Premium it is fixed for seven years and will
not change for that Premium even if subsequent Premiums are received and/or partial Withdrawals are
taken.




WITHDRAWAL CHARGE



The charge, as shown on the Contract Data Page, if any, may be deducted upon Withdrawal of any
portion of the Contract Value that is not considered a Penalty-Free Withdrawal. See WITHDRAWAL
PROVISIONS.




SEPARATE ACCOUNT CHARGE



This charge, as shown on the Contract Data Page, on an annualized basis equals a percentage of the
average daily ending value of the assets attributable to the Accumulation Units of the Variable
Portfolio(s) to which the Contract Value is allocated. This charge compensates Us for the
mortality and expense risk and the costs of contract distribution assumed by Us. We subtract this
charge daily.




					
	 	 	 	 	 
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TRANSFER FEE



We permit 15 free transfers between Variable Portfolios and/or available Fixed Account Option(s)
each Contract Year. We may charge You a fee, as shown on the Contract Data Page, for each
additional transfer that Contract Year, except for transfers made as part of an automated transfer
program.




TRANSFER PROVISIONS



Subject to applicable restrictions, You may transfer all or part of Your Contract Value amongst the
Variable Portfolios and/or available Fixed Account Option(s) (unless otherwise noted). The minimum
amount that can be transferred and the amount that can remain in a Variable Portfolio and/or
available Fixed Account Option are subject to Company limits. We reserve the right to restrict
Your transfer privileges.



Furthermore, the Underlying Funds, may have their own transfer policies that are applicable to this
Contract as a result of investment in the Variable Portfolios.




TRANSFERS BEFORE THE ANNUITY DATE



Before the Annuity Date, transfers are subject to certain restrictions as indicated above and on
the Contract Data Page. You may transfer all or a portion of Your Contract Value from one Variable
Portfolio to another Variable Portfolio(s) or any available Fixed Account Option(s) other than the
DCA Fixed Account Options. You may also transfer from any available Fixed Account Option(s) to the
Variable Portfolio(s) and/or any available Fixed Account Option(s) of the Contract. A transfer
will result in the redemption of Accumulation Units in a Variable Portfolio and the purchase of
Accumulation Units in the other Variable Portfolio. Transfers will be effected at the end of the
NYSE business day in which We receive Your completed request for the transfer.




TRANSFERS AFTER THE ANNUITY DATE



On and after the Annuity Date, transfers into and out of any available Fixed Account Option(s) are
not allowed. You may transfer all or a portion of Your Annuity Units from one Variable Portfolio
to another Variable Portfolio(s). A transfer will result in the redemption of Annuity Units in a
Variable Portfolio and the purchase of Annuity Units in the other Variable Portfolio. Transfers
will be effected for the last NYSE business day of the month in which We receive Your request for
the transfer.




WITHDRAWAL PROVISIONS



On or before the Annuity Date and while You are living, You may withdraw all or part of Your
Contract Value under this Contract by informing Us in writing in a form satisfactory to Us at Our
Annuity Service Center. For a full Withdrawal, this Contract must be returned to Our Annuity
Service Center. The minimum amount that can be withdrawn and the Minimum Amount Remaining After a
Partial Withdrawal are as shown on the Contract Data Page, subject to minimums set forth by the
laws of the State of New York. If the amount of a partial Withdrawal request reduces Your Contract
Value below the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data
Page, We may treat Your request as a request for a full Withdrawal.



Unless You tell Us otherwise in writing, Withdrawals will be deducted from the Contract Value in
proportion to their allocation among any available Fixed Account Option(s) and the Variable
Portfolios. Withdrawals will be based on values for the NYSE business day in which the request for
Withdrawal is received at Our Annuity Service Center. In the case of a full Withdrawal, the
Withdrawal will be based on values for the NYSE business day in which the request for Withdrawal
and the Contract are received at Our




					
	 	 	 	 	 
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Annuity Service Center. Unless the SUSPENSION OF PAYMENTS or DEFERMENT OF PAYMENTS sections are in effect, payment
of Withdrawals will be made within seven calendar days.




WITHDRAWAL CHARGE



Withdrawals of all or a portion of the Contract Value may be subject to a Withdrawal Charge as
shown on the Contract Data Page. The Withdrawal Charge percentage applicable to the initial
Purchase Payment is determined by the amount of the initial Purchase Payment, the corresponding
Accumulated Premium Breakpoint, as shown on the Contract Data Page, and how long the Purchase
Payment to which the Withdrawal is attributed has been in the Contract. If a subsequent Purchase
Payment is made that results in the sum of Purchase Payments achieving a higher Accumulated Premium
Breakpoint, as shown on the Contract Data Page, then the percentage from the Withdrawal Charge
Schedule corresponding to that Accumulated Premium Breakpoint will apply to the entire subsequent
Purchase Payment. The duration of the Withdrawal Charge schedule applicable to each Purchase
Payment applies for a seven year period. Once a Withdrawal Charge schedule is set for a Purchase
Payment, it is fixed for seven years and will not change for that Purchase Payment even if
Subsequent Purchase Payments are received and/or partial Withdrawals are taken.



No Withdrawal Charge is deducted on an amount which is considered a Penalty-Free Withdrawal or a
Purchase Payment no longer subject to a Withdrawal Charge.



For the purpose of determining the Withdrawal Charge applicable to a partial Withdrawal, the
Withdrawal will be attributed to amounts in the following order: (1) any remaining Penalty-Free
Withdrawal amount (except in the case of a full Withdrawal); (2) Purchase Payments not yet
withdrawn and no longer subject to Withdrawal Charges; (3) Purchase Payments not yet withdrawn and
still subject to Withdrawal Charges; and (4) any remaining Contract Value. A Purchase Payment, or
portion thereof, is considered withdrawn when the Withdrawal incurs a Withdrawal Charge, and are
assumed to be withdrawn on a first-in-first-out (FIFO) basis. You will not receive the benefit of
a Penalty-Free Withdrawal if You take a full Withdrawal.



The Withdrawal Charge will be assessed against the Variable Portfolio(s) and the available Fixed
Account Option(s) in the same proportion as the remaining Contract Value is allocated unless You
request that the Withdrawal come from a particular Variable Portfolio or available Fixed Account
Option. If the amount of a partial Withdrawal request causes the Contract Value to be less than
the Minimum Amount Remaining After a Partial Withdrawal, as shown on the Contract Data Page, We may
treat Your partial Withdrawal request as a request for a full Withdrawal.




PENALTY-FREE WITHDRAWALS



On any day in a Contract Year before the Annuity Date, You may make a partial Withdrawal of up to
the Penalty-Free Withdrawal amount as of that day without incurring a Withdrawal Charge. The
Maximum Penalty-Free Withdrawal Percentage, the Minimum Partial Withdrawal Amount and the Minimum
Amount Remaining After a Partial Withdrawal are shown on the Contract Data Page.



Each Contract Year, the Penalty-Free Withdrawal amount is calculated as the Maximum Penalty-Free
Withdrawal Percentage multiplied by the remaining Purchase Payments not yet withdrawn and still
subject to Withdrawal Charges.



Although amounts withdrawn as Penalty-Free Withdrawals reduce the Contract Value, they do not
reduce the remaining Purchase Payments for purposes of calculating future Penalty-Free Withdrawal
amounts and Withdrawal Charges. Partial Withdrawals in a Contract Year that are in excess of the
Penalty-Free Withdrawal amount incur a Withdrawal Charge applicable to the remaining Purchase
Payments and reduce those Purchase Payments on a first-in-first-out (FIFO) basis. If You choose to
take less than the Penalty-Free Withdrawal
amount during a Contract Year, You may not carry over the unused Penalty-Free Withdrawal




					
	 	 	 	 	 
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amount in any subsequent Contract Years. A Penalty-Free Withdrawal is not available to You if You take a
full Withdrawal.




SYSTEMATIC WITHDRAWAL PROGRAM



Prior to the Annuity Date, You may elect to participate in a Systematic Withdrawal Program by
informing Us at Our Annuity Service Center. The Systematic Withdrawal Program allows You to make
automatic Withdrawals from Your Contract monthly, quarterly, semiannually or annually. The minimum
systematic withdrawal amount is shown on the Contract Data Page. Any amount withdrawn through the
Systematic Withdrawal Program may be subject to a Withdrawal Charge as discussed in the WITHDRAWAL
CHARGE and PENALTY-FREE WITHDRAWALS provisions. You may terminate Your participation in the
Systematic Withdrawal Program at any time by sending Us a written request.




DEATH PROVISIONS



Notwithstanding any provision of this Contract to the contrary, all payments of benefits under this
Contract will be made in a manner that satisfies the requirements of IRC Section 72(s), as amended
from time to time. If the Contract is owned by a trust or other non-natural person, We will treat
the death of any Annuitant as the death of the “Primary Annuitant” and as the death of any Owner.




DUE PROOF OF DEATH



Due Proof of Death means:





	 	1.	 	a certified copy of a death certificate; or
	 
	 	2.	 	a certified copy of a decree of a court of competent jurisdiction
as to the finding of death; or
	 
	 	3.	 	a written statement by a medical doctor who attended the deceased
Owner at the time of death; or
	 
	 	4.	 	any other proof satisfactory to Us.





DEATH OF OWNER BEFORE THE ANNUITY DATE



We will pay a death benefit to the Beneficiary upon Our receiving all Required Documentation at Our
Annuity Service Center. Unless You have previously designated a payment option on behalf of the
Beneficiary, the Beneficiary must select one of the following options:





	 	1.	 	Immediately collect the death benefit in a lump sum payment. If a lump
sum payment is elected, payment will be in accordance with any applicable laws and
regulations governing payments on death; or
	 
	 	2.	 	Collect the death benefit in the form of one of the Annuity Income
Payment Options. If an Annuity Income Payment Option is desired, an option must be
elected within 60 days of Our receipt of all Required Documentation. The annuity
income payments must be over the life of the Beneficiary or over a period not
extending beyond the life expectancy of the Beneficiary. Consistent with applicable
tax rules, payments under this option generally must begin within one year after the
Owner’s death, otherwise, the death benefit will be paid in accordance with option 1
above; or
	 
	 	3.	 	If eligible, continue the Contract as the Spousal Beneficiary. On the
Continuation Date, We will contribute to the Contract any amount by which the Death
Benefit exceeds the Contract Value, calculated based on the Owner’s date of death.
This amount is not considered a Purchase Payment except in the calculation of
certain death benefits upon the death of the





					
	 	 	 	 	 
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	 	 	 	Spousal Beneficiary. If this option is elected, no death benefit is paid out to the
Spousal Beneficiary on the Continuation Date; or
	 
	 	4.	 	A payment option that is mutually agreeable between You and Us.




The entire interest in the Contract will be distributed within the five year period specified under
applicable laws and regulations, commencing with the date of death of the Owner unless option 2 or
3 was selected under DEATH OF OWNER BEFORE THE ANNUITY DATE.



You cannot change any elected death benefit option specified on the Contract Data Page. Upon
Spousal Continuation, Your Spousal Beneficiary cannot change any death benefit elected by You.
Upon the Spousal Beneficiary’s death, the entire interest of the Contract must be distributed
immediately under option 1 or 2 as provided under DEATH OF OWNER BEFORE THE ANNUITY DATE.




AMOUNT OF DEATH BENEFIT



Upon Our receipt of all Required Documentation at Our Annuity Service Center, the Death Benefit
payable upon the death of the Owner will be calculated. The death benefit calculation is different
depending on whether a living benefit or guaranteed minimum withdrawal benefit has been elected and
if the benefit has been terminated.



If You did not elect a living benefit or guaranteed minimum withdrawal benefit, We will calculate
the Death Benefit as the greater of:





	 	1.	 	The Contract Value for the NYSE business day during which We receive all
Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	Net Purchase Payment(s) received prior to the Owner’s 86th
birthday.




If You elected a living benefit or guaranteed minimum withdrawal benefit, as shown on the Contract
Data Page, We will calculate the Death Benefit as the greater of:





	 	1.	 	The Contract Value for the NYSE business day during which We receive all
Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	Purchase Payment(s) received prior to the Owner’s 86th
birthday reduced by:






	 	(a)	 	any Withdrawal Adjustments if the benefit has not been
terminated; or
	 
	 	(b)	 	any Withdrawal Adjustments prior to the date the benefit is
terminated, and reduced proportionately by the amount by which each
Withdrawal reduces the Contract Value on and after the date the benefit is
terminated.





Spousal Beneficiary Continuation



If the Spousal Beneficiary continues the Contract on the Continuation Date and upon Our receipt of
all Required Documentation at Our Annuity Service Center, the Death Benefit payable upon the death
of the Spousal Beneficiary will be calculated. The death benefit calculation is different
depending on whether a living benefit or a guaranteed minimum withdrawal benefit has been elected
and if the benefit has been terminated.



If the Spousal Beneficiary was Age 85 or younger on the Continuation Date, and if the Owner did not
elect a living benefit or a guaranteed minimum withdrawal benefit, We will calculate the Death
Benefit as the greater of:




					
	 	 	 	 	 
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	 	1.	 	The Contract Value for the NYSE business day during which We receive all
Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received since the Continuation Date and prior to the Spousal Beneficiary’s
86th birthday, and reduced proportionately by any Withdrawals after the
Continuation Date.




If the Spousal Beneficiary was Age 85 or younger on the Continuation Date, and if the Owner elected
a living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as
the greater of:





	 	1.	 	The Contract Value for the NYSE business day during which We receive all
Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received since the Continuation Date and prior to the Spousal Beneficiary’s
86th birthday, and reduced by:






	 	(a)	 	any Withdrawal Adjustments after the Continuation Date if
the benefit has not been terminated; or
	 
	 	(b)	 	any Withdrawal Adjustments after the Continuation Date and
prior to the date the benefit is terminated, and reduced proportionately by
any Withdrawals after the Continuation Date and on and after the date the
benefit is terminated.





Withdrawal Adjustments



If a living benefit or guaranteed minimum withdrawal benefit is elected and the benefit has not
been terminated, the amount of the Death Benefit will be adjusted for Withdrawals as follows:





	 	1.	 	If cumulative Withdrawals in any Contract Year are less than or equal to
the Maximum Annual Withdrawal Amount, the amount of adjustment will be the amount of
each Withdrawal; or
	 
	 	2.	 	If cumulative Withdrawals are in excess of the Maximum Annual Withdrawal
Amount, the Contract Value and Death Benefit are first reduced by the Withdrawal
amount equal to the Maximum Annual Withdrawal Amount; then the Death Benefit is
further reduced proportionately by the amount by which the Excess Withdrawal reduced
the resulting Contract Value.




If the Spousal Beneficiary was age 86 or older on the Continuation Date, the Death Benefit will be
the Contract Value for the NYSE business day during which We receive all Required Documentation at
Our Annuity Service Center.




DEATH OF OWNER OR ANNUITANT ON OR AFTER THE ANNUITY DATE



If any Owner or Annuitant dies on or after the Annuity Date and before the entire interest in the
Contract has been distributed, We will pay any remaining portion of the annuity income payment(s)
to the Beneficiary upon Our receipt of all Required Documentation. For further information
pertaining to death of the Annuitant, see ANNUITY INCOME PAYMENT OPTIONS.




					
	 	 	 	 	 
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BENEFICIARY



The Beneficiary is selected by the Owner. While the Owner is living and before the Annuity Date,
the Owner may change the Beneficiary by written notice. A change in Beneficiary will take effect
on the date We receive the written notice in a form satisfactory to Us at Our Annuity Service
Center. If two or more persons are named as Beneficiaries under the Contract, those surviving the
Owner will share equally unless otherwise specified by the Owner and each must elect to receive
their respective portions of the death benefit according to the options listed under DEATH OF OWNER
BEFORE THE ANNUITY DATE. If the Annuitant survives the Owner, and there are no surviving
Beneficiaries, the Annuitant will be deemed the Beneficiary.



Joint Owners, if applicable, shall be each other’s primary Beneficiary. Joint Annuitants, if any,
when the Owner is a non-natural person, shall be each other’s primary Beneficiary. Any other
Beneficiary designation will be treated as a contingent Beneficiary.



If the Owner is also the Annuitant and there are no surviving Beneficiaries, upon Our receipt of
all Required Documentation, We will pay the Death Benefit to the estate of the Owner in accordance
with option 1, under DEATH OF OWNER BEFORE THE ANNUITY DATE.




ANNUITY PROVISIONS




ANNUITY DATE



You may specify an anticipated Annuity Date. You may change the Annuity Date at any time, at least
seven days prior to the Annuity Date, by written notice to Us at Our Annuity Service Center. The
Annuity Date must always be the first day of the calendar month. The Earliest Annuity Date After
the Contract Date is shown on the Contract Date Page. The Annuity Date must not be beyond the
Latest Annuity Date shown on the Contract Data Page. If no Annuity Date is specified by You, the
Annuity Date will be the Latest Annuity Date.




PAYMENTS TO OWNER



Unless You request otherwise, We will make annuity income payments to You. If You want the annuity
income payments to be made to some other Payee, We will make such annuity income payments subject
to receipt of a written request signed by You and filed at the Annuity Service Center no later
than thirty (30) days before the due date of the first annuity income payment or subsequent annuity
income payment.



Any such request is subject to the rights of any assignee. No annuity income payments available to
or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated
or encumbered.




BETTERMENT OF RATES



The amount of the Owner’s initial monthly payment will be at least equal to the monthly payment
produced by the application of an amount equal to the Contract Value of this Contract to purchase
any single consideration immediate annuity contract offered by the Company at the same time to the
same class of annuitants. We are not currently offering any single premium immediate
annuity contracts.




FIXED ANNUITIZATION



If a Fixed Annuitization has been elected, the proceeds payable under this Contract less any
applicable premium taxes, shall be applied to the payment of the fixed annuity income payment
option elected at rates which are at least equal to the annuity rates based upon the applicable
tables in the Contract. In no event will the Fixed Annuitization be changed once it begins.




					
	 	 	 	 	 
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AMOUNT OF FIXED ANNUITY INCOME PAYMENTS



The amount of each fixed annuity income payment will be determined by applying the portion of the
Contract Value allocated by You for Fixed Annuitization on the Annuity Date, less any applicable
premium taxes, to the annuity factor applicable to the fixed annuity income payment option chosen.
In no event will the Fixed Annuitization be changed once it begins.




AMOUNT OF VARIABLE ANNUITY INCOME PAYMENTS





	(a)	 	FIRST VARIABLE ANNUITY INCOME PAYMENT: The dollar amount of the first Variable Annuitization
payment will be determined by applying the portion of the Contract Value allocated to the
Variable Portfolio(s) on the Annuity Date, less any applicable premium taxes, to rates which
are at least equal to the annuity rates based upon the annuity factor applicable to the
variable annuity income payment option chosen. If the Contract Value is allocated to more
than one Variable Portfolio, the value of Your interest in each Variable Portfolio is applied
separately to the variable annuity income payment option table to determine the amount of the
first annuity income payment attributable to each Variable Portfolio.
	 
	(b)	 	NUMBER OF VARIABLE ANNUITY UNITS: The number of Annuity Units for each applicable Variable
Portfolio is the amount of the first annuity income payment attributable to that Variable
Portfolio divided by the value of the applicable Annuity Unit for that Variable Portfolio as
of the Annuity Date. The number of Annuity Units will not change as a result of investment
experience.
	 
	(c)	 	VALUE OF EACH VARIABLE ANNUITY UNIT: The value of an Annuity Unit may increase or decrease
from one month to the next. For any month, the value of an Annuity Unit of a particular
Variable Portfolio is the value of that Annuity Unit as of the last NYSE business day of the
preceding month, multiplied by the Net Investment Factor for that Variable Portfolio for the
last NYSE business day of the current month.




The Net Investment Factor for any Variable Portfolio for a certain month is determined by dividing
(1) by (2) and multiplying by (3) where:





	 	(1)	 	is the Accumulation Unit Value of the Variable Portfolio
determined as of the last business day at the end of that month, and
	 
	 	(2)	 	is the Accumulation Unit Value of the Variable Portfolio
determined as of the last business day at the end of the preceding month, and
	 
	 	(3)	 	is a factor that neutralizes the assumed investment rate of
3.5%.






	(d)	 	SUBSEQUENT VARIABLE ANNUITY INCOME PAYMENTS: After the first Variable Annuitization payment,
subsequent Variable Annuitization payments will vary in amount according to the investment
performance of the applicable Variable Portfolio(s) in which You are invested. The amount may
change from month to month. The amount of each subsequent payment for each Variable Portfolio
is (1) multiplied by (2) where:






	 	(1)	 	Is the number of Annuity Units for each Variable Portfolio
as determined for the first annuity income payment
	 
	 	(2)	 	Is the value of an Annuity Unit for that Variable Portfolio
at the end of the month immediately preceding the month in which payment is
due.





					
	 	 	 	 	 
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	 	 	We guarantee that the amount of each Variable Annuitization payments will not be affected by
variations in Our expenses or mortality experience.





GENERAL PROVISIONS




ENTIRE CONTRACT



The Entire Contract between You and Us consists of this Contract, this Application and/or
confirmation thereof, and any attached endorsement(s) or rider(s). An agent cannot change the
terms or conditions of this Contract. Any change must be in writing and approved by Us. Only Our
President, Secretary, or one of Our Vice-Presidents can give Our approval. All statements made by,
or under the authority of, the applicant for the issuance of this Contract shall be deemed
representations and not warranties.




CHANGE OF ANNUITANT



If the Owner is an individual, the Owner may change the Annuitant(s) at any time prior to the
Annuity Date. To make a change, the Owner must send a written notice to Us at least 30 days before
the Annuity Date. If the Owner is a non-natural person, the Owner may not change the Annuitant.




DEATH OF ANNUITANT



If the Owner is a natural person, the Owner and Annuitant are different, and the Annuitant dies
before the Annuity Date, the Owner becomes the Annuitant until the Owner elects a new Annuitant. If
there are Joint Annuitants, upon the death of any Annuitant prior to the Annuity Date, the Owner
may elect a new Joint Annuitant. However, if the Owner is a non-natural person, We will treat the
death of any Annuitant as the death of the “Primary Annuitant” as defined in the IRC, and as the
death of the Owner, as explained in the DEATH PROVISIONS.




MISSTATEMENT OF AGE OR SEX



If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted
using the correct Age and sex, according to Our rates in effect on the date that annuity payments
were determined. Any overpayment, plus interest at the rate of 4% per year, will be deducted from
the next payment(s) due. Any underpayment, plus interest at the rate of 4% per year, will be paid
in full with the next payment due.



With respect to Contract issue Age and other age driven features in the Contract, should We
discover a misstatement of Age, We reserve the right to fully pursue Our remedies including
possible revocation of any Age driven benefits.




PROOF OF AGE, SEX, OR SURVIVAL



We may require satisfactory proof of correct Age or sex at any time. If any payment under this
Contract depends on the Annuitant being alive, We may reasonably require satisfactory proof of
survival.




DEFERMENT OF PAYMENTS



We may defer making payments, subject to state requirements, from the available Fixed Account
Option(s) for up to six (6) months. Interest will be credited during any deferral period exceeding
the number of days as specified by the state at the rate currently paid by Us on proceeds left
under the interest-only settlement option.




					
	 	 	 	 	 
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SUSPENSION OF PAYMENTS



We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:





	(a)	 	the NYSE is closed;
	 
	(b)	 	trading on the NYSE is restricted;
	 
	(c)	 	an emergency exists such that it is not reasonably practical to dispose of securities in the
Variable Portfolios or to determine the value of its assets;
	 
	(d)	 	the United States Securities and Exchange Commission, by order, so permits for the protection
of Owners; or
	 
	(e)	 	We are on notice that this Contract is the subject of a court proceeding, an arbitration, a
regulatory matter or other legal action.




Conditions in (b) and (c) will be decided by or in accordance with rules of the United States
Securities and Exchange Commission.




CONFORMITY WITH STATE LAWS



The provisions of this Contract will be interpreted by the laws of the State of New York, the state
in which this Contract is delivered. Any provision which, on the Contract Date, is in conflict
with the law of such state is amended to conform to the minimum requirements of such law. The
paid-up annuity benefits, cash surrender benefits, and death benefits provided under this Contract
are not less than those required by the state where the contract was issued.




CHANGES IN LAW



If the laws governing this Contract or the taxation of benefits under the Contract change, We will
amend this Contract, subject to New York State Department of Financial Services approval, to comply
with any changes.




ASSIGNMENT / CHANGE OF OWNER



Unless restricted by federal tax law, You may assign this Contract before the Annuity Date, but We
will not be bound by an assignment unless the request for assignment is signed by You and received
by Us. Your rights and those of any other person referred to in this Contract will be subject to
the assignment. Certain assignments may be taxable. We do not assume any responsibility for the
validity or tax consequences of any assignment. We reserve the right to not recognize assignments
if it changes the risk profile of the Owner of the Contract as determined in Our sole discretion.




INSURABLE INTEREST



Evidence must exist that the Owner(s), Annuitant(s) or Beneficiary(ies) will suffer a financial
loss at the death of the life that triggers the death benefit. Generally, We consider an interest
insurable if a familial relationship and/or economic interest exists. A familial relationship
generally includes those persons related by blood or by law. An economic interest exists when the
Owner has a lawful and substantial economic interest in having the life, health or bodily safety of
the insured life preserved.




CLAIMS OF CREDITORS



To the extent permitted by law, no right or proceeds payable under this Contract will be subject to
claims of creditors or legal process.




PREMIUM TAXES OR OTHER TAXES



We may deduct from Your Contract Value any premium tax or other taxes payable to a state or other
government entity, if applicable. Should We advance any amount so due, We are not waiving any
right to collect such amount at a later date. We will deduct any withholding taxes required by
applicable law.




					
	 	 	 	 	 
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WRITTEN NOTICE



Any notice We send to You will be sent to Your address shown in the Application and/or confirmation
thereof unless You request otherwise. Any written request or notice to Us must be sent to Our
Annuity Service Center, as specified on Page 1 of this Contract.




PERIODIC REPORTS



At least once during each Contract Year, We will send You a statement of the account activity of
the Contract. The statement will include all transactions which have occurred during the
accounting period shown on the statement and other required information.




INCONTESTABILITY



This Contract will be incontestable after it has been in force for a period of two years from the
Contract Date during the lifetime of any Owner who is required to provide Us with information
concerning their Age, sex and identity. Accurate statements as to any Owner’s Age, sex and
identity are required as a condition of issuing this Contract. The Incontestability of this
Contract applies to any statements any Owner makes, except as otherwise stated in the Misstatement
of Age or Sex Provision.




NONPARTICIPATING



This Contract does not share in Our surplus.




WAIVER



Our waiver of any of the terms and conditions under this Contract will not be deemed to constitute
waiver of the right to enforce strict compliance.




					
	 	 	 	 	 
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ANNUITY INCOME PAYMENT OPTIONS



During the Annuitant’s life, upon written election and the return of this Contract to Us at Our
Annuity Service Center, the Contract Value may be applied to provide one of the following annuity
income payment options or any annuity income payment option that is mutually agreeable. Prior to
the Annuity Date but not before the Earliest Annuity Date After The Contract Date shown on the
Contract Data Page, You can choose one of the options described below. If no option has been
selected by the Annuity Date, You will automatically receive option 4, below, with 120 monthly
payments guaranteed; for Joint Owners, You will automatically receive Option 3, below, with 120
monthly payments guaranteed.




OPTIONS 1 & 1v — LIFE ANNUITY, LIFETIME PAYMENTS GUARANTEED



Payments payable to a Payee during the lifetime of the Annuitant. No further annuity income
payments are payable after the death of the Annuitant.




OPTIONS 2 & 2v — JOINT AND SURVIVOR LIFE ANNUITY



Payments payable to the Payee during the lifetime of the Annuitant and during the lifetime of a
designated second person. No further annuity income payments are payable after the deaths of both
the Annuitant and the designated second person.




OPTIONS 3 & 3v — JOINT AND SURVIVOR LIFE ANNUITY — WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED



Payments payable to the Payee during the lifetime of the Annuitant and during the lifetime of a
designated second person. If, at the death of the survivor, annuity income payments have been made
for less than 120 or 240 monthly periods, the remaining guaranteed annuity income payments will be
continued to the Beneficiary. If, at the death of the survivor, annuity income payments have been
made for at least 120 or 240 monthly periods, as selected at the time of annuitization, no further
annuity income payments will be made.




OPTIONS 4 & 4v — LIFE ANNUITY WITH — 120 OR 240 MONTHLY PAYMENTS GUARANTEED



Payments payable to the Payee during the lifetime of the Annuitant. If, at the death of the
Annuitant, annuity income payments have been made for less than the 120 or 240 monthly periods, as
selected at the time of annuitization, the remaining guaranteed annuity income payments will be
continued to the Beneficiary. If, at death of the Annuitant, annuity income payments have been
made for at least 120 or 240 monthly periods, no further payments will be made.




OPTIONS 5 & 5v — FIXED PAYMENTS FOR A SPECIFIED PERIOD CERTAIN



Payments payable to the Payee for any specified period of time for five (5) years or more, but not
exceeding thirty (30) years, as selected at the time of annuitization. The selection must be made
for full twelve month periods. In the event of death of the Annuitant during the specified period
of time, any remaining annuity income payments will be continued to the Beneficiary. If the
Annuitant dies after the end of the specific period of time, no further annuity income payments
will be made. If Variable Annuity Income Payments are elected under this Annuity Income Payment
Option, any remaining guaranteed Variable Annuity Income Payments may be redeemed, upon election by
the Beneficiary, for a discounted value determined by Us.




					
	 	 	 	 	 
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FIXED ANNUITY INCOME PAYMENT OPTIONS TABLE




BASIS OF COMPUTATION



The actuarial basis for the Table of Annuity Rates is the Annuity 2000 Mortality Table with a
guaranteed interest rate of 1.50%, with quinquennial age setbacks. For every five years that the
Contract has been in effect at the time of annuitization, the Annuitant’s age will be set back by
one year to determine the applicable factors. The Fixed Annuity Income Payment Options Table does
not include any applicable premium tax.




OPTIONS 1 & 4 — TABLE OF MONTHLY INSTALLMENTS PER $1,000.




(Monthly installments for ages and gender combinations not shown will be furnished upon request.)



	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Option 1	 	Option 4	 	Option 4
	 	 	 	 	 	 	Life Annuity	 	Life Annuity
	Age of	 	 	 	 	 	(w/120 payments	 	(w/240 payments
	Annuitant	 	Life Annuity	 	guaranteed)	 	guaranteed)
	 	 	Male	 	Female	 	Male	 	Female	 	Male	 	Female
	55
	 	3.68
	 	3.38
	 	3.64
	 	3.35
	 	3.48
	 	3.27
	56
	 	3.77
	 	3.46
	 	3.73
	 	3.43
	 	3.55
	 	3.34
	57
	 	3.87
	 	3.54
	 	3.82
	 	3.51
	 	3.62
	 	3.40
	58
	 	3.98
	 	3.63
	 	3.92
	 	3.60
	 	3.69
	 	3.47
	59
	 	4.09
	 	3.73
	 	4.02
	 	3.69
	 	3.76
	 	3.54
	60
	 	4.21
	 	3.83
	 	4.13
	 	3.78
	 	3.83
	 	3.62
	61
	 	4.34
	 	3.93
	 	4.24
	 	3.89
	 	3.90
	 	3.69
	62
	 	4.47
	 	4.05
	 	4.36
	 	3.99
	 	3.97
	 	3.77
	63
	 	4.62
	 	4.17
	 	4.49
	 	4.10
	 	4.04
	 	3.84
	64
	 	4.77
	 	4.30
	 	4.62
	 	4.22
	 	4.10
	 	3.92
	65
	 	4.93
	 	4.44
	 	4.76
	 	4.35
	 	4.17
	 	4.00
	66
	 	5.11
	 	4.58
	 	4.90
	 	4.48
	 	4.24
	 	4.07
	67
	 	5.30
	 	4.74
	 	5.05
	 	4.62
	 	4.30
	 	4.15
	68
	 	5.49
	 	4.91
	 	5.20
	 	4.76
	 	4.36
	 	4.22
	69
	 	5.71
	 	5.09
	 	5.36
	 	4.92
	 	4.41
	 	4.29
	70
	 	5.93
	 	5.29
	 	5.53
	 	5.08
	 	4.47
	 	4.36
	71
	 	6.17
	 	5.50
	 	5.70
	 	5.25
	 	4.51
	 	4.42
	72
	 	6.43
	 	5.73
	 	5.87
	 	5.43
	 	4.56
	 	4.48
	73
	 	6.70
	 	5.98
	 	6.05
	 	5.62
	 	4.60
	 	4.53
	74
	 	6.99
	 	6.24
	 	6.23
	 	5.81
	 	4.63
	 	4.58
	75
	 	7.31
	 	6.53
	 	6.41
	 	6.01
	 	4.67
	 	4.62
	76
	 	7.64
	 	6.84
	 	6.59
	 	6.21
	 	4.69
	 	4.65
	77
	 	8.00
	 	7.18
	 	6.78
	 	6.41
	 	4.72
	 	4.69
	78
	 	8.38
	 	7.55
	 	6.96
	 	6.62
	 	4.74
	 	4.71
	79
	 	8.79
	 	7.94
	 	7.13
	 	6.83
	 	4.75
	 	4.74
	80
	 	9.23
	 	8.37
	 	7.31
	 	7.03
	 	4.77
	 	4.75
	81
	 	9.70
	 	8.84
	 	7.47
	 	7.23
	 	4.78
	 	4.77
	82
	 	10.20
	 	9.34
	 	7.63
	 	7.42
	 	4.79
	 	4.78
	83
	 	10.73
	 	9.88
	 	7.78
	 	7.60
	 	4.80
	 	4.79
	84
	 	11.30
	 	10.47
	 	7.93
	 	7.77
	 	4.80
	 	4.80
	85
	 	11.90
	 	11.10
	 	8.06
	 	7.93
	 	4.81
	 	4.80






					
	 	 	 	 	 
	FS-995 (12/10)
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OPTION 2 — TABLE OF MONTHLY INSTALLMENTS PER $1,000.

(Monthly installments for ages and gender combinations not shown will be furnished upon request.)

Joint & 100% Survivor Life Annuity




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age of	 	 
	Male	 	 
	Annuitant	 	Age of Female Annuitant
	 	 	55	 	60	 	65	 	70	 	75	 	80	 	85
	55
	 	3.01
	 	3.18
	 	3.33
	 	3.45
	 	3.54
	 	3.60
	 	3.64
	60
	 	3.12
	 	3.36
	 	3.59
	 	3.78
	 	3.94
	 	4.05
	 	4.12
	65
	 	3.21
	 	3.51
	 	3.83
	 	4.13
	 	4.40
	 	4.61
	 	4.75
	70
	 	3.27
	 	3.63
	 	4.03
	 	4.46
	 	4.89
	 	5.26
	 	5.53
	75
	 	3.32
	 	3.70
	 	4.18
	 	4.74
	 	5.35
	 	5.95
	 	6.45
	80
	 	3.34
	 	3.76
	 	4.29
	 	4.95
	 	5.75
	 	6.62
	 	7.45
	85
	 	3.36
	 	3.79
	 	4.35
	 	5.09
	 	6.05
	 	7.20
	 	8.44






OPTION 3 — TABLE OF MONTHLY INSTALLMENTS PER $1,000.

(Monthly installments for ages and gender combinations not shown will be furnished upon request)

Joint & 100% Survivor Life Annuity (w/120 payments guaranteed)




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age of	 	 
	Male	 	 
	Annuitant	 	Age of Female Annuitant
	 	 	55	 	60	 	65	 	70	 	75	 	80	 	85
	55
	 	3.01
	 	3.18
	 	3.33
	 	3.45
	 	3.53
	 	3.59
	 	3.62
	60
	 	3.12
	 	3.36
	 	3.58
	 	3.78
	 	3.93
	 	4.03
	 	4.09
	65
	 	3.21
	 	3.51
	 	3.82
	 	4.12
	 	4.38
	 	4.56
	 	4.67
	70
	 	3.27
	 	3.62
	 	4.02
	 	4.44
	 	4.84
	 	5.16
	 	5.36
	75
	 	3.31
	 	3.70
	 	4.16
	 	4.70
	 	5.26
	 	5.76
	 	6.11
	80
	 	3.33
	 	3.74
	 	4.25
	 	4.88
	 	5.59
	 	6.28
	 	6.80
	85
	 	3.35
	 	3.77
	 	4.31
	 	4.99
	 	5.81
	 	6.66
	 	7.35






OPTION 3 — TABLE OF MONTHLY INSTALLMENTS PER $1,000.

(Monthly installments for ages and gender combinations not shown will be furnished upon request)

Joint & 100% Survivor Life Annuity (w/240 payments guaranteed)




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age of	 	 
	Male	 	 
	Annuitant	 	Age of Female Annuitant
	 	 	55	 	60	 	65	 	70	 	75	 	80	 	85
	55
	 	3.00
	 	3.16
	 	3.30
	 	3.39
	 	3.45
	 	3.47
	 	3.48
	60
	 	3.11
	 	3.33
	 	3.53
	 	3.68
	 	3.77
	 	3.81
	 	3.82
	65
	 	3.18
	 	3.46
	 	3.72
	 	3.94
	 	4.08
	 	4.15
	 	4.17
	70
	 	3.23
	 	3.54
	 	3.86
	 	4.14
	 	4.33
	 	4.43
	 	4.46
	75
	 	3.26
	 	3.59
	 	3.94
	 	4.27
	 	4.50
	 	4.62
	 	4.66
	80
	 	3.27
	 	3.61
	 	3.98
	 	4.33
	 	4.58
	 	4.71
	 	4.76
	85
	 	3.27
	 	3.62
	 	3.99
	 	4.35
	 	4.61
	 	4.75
	 	4.80






					
	 	 	 	 	 
	FS-995 (12/10)
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OPTION 5 — TABLE OF MONTHLY INSTALLMENTS PER $1,000.

Fixed Payment for Specified Period




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Number	 	Monthly	 	Number	 	Monthly	 	Number	 	Monthly	 	Number	 	Monthly
	of Years	 	Payment	 	of Years	 	Payment	 	of Years	 	Payment	 	of Years	 	Payment
	 
	 	 	 	10
	 	8.96
	 	17
	 	5.55
	 	24
	 	4.13
	 
	 	 	 	11
	 	8.21
	 	18
	 	5.27
	 	25
	 	3.99
	5
	 	17.28
	 	12
	 	7.58
	 	19
	 	5.03
	 	26
	 	3.86
	6
	 	14.51
	 	13
	 	7.05
	 	20
	 	4.81
	 	27
	 	3.75
	7
	 	12.53
	 	14
	 	6.59
	 	21
	 	4.62
	 	28
	 	3.64
	8
	 	11.04
	 	15
	 	6.20
	 	22
	 	4.44
	 	29
	 	3.54
	9
	 	9.89
	 	16
	 	5.85
	 	23
	 	4.28
	 	30
	 	3.44






					
	 	 	 	 	 
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VARIABLE ANNUITY INCOME PAYMENT OPTIONS TABLE




BASIS OF COMPUTATION



The actuarial basis for the Table of Annuity Rates is the Annuity 2000 Mortality Table with an
effective annual Assumed Investment Rate of 3.50% with quinquennial age setbacks. For every five
years that the Contract has been in effect at the time of annuitization, the Annuitant’s age will
be set back by one year to determine the applicable factors. The Variable Annuity Income Payment
Options Table does not include any applicable premium tax.




OPTIONS 1v& 4v — TABLE OF INITIAL MONTHLY INSTALLMENT PER $1,000




(Monthly installments for ages and gender combinations not shown will be furnished upon request.)



	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Option 1v	 	Option 4v	 	Option 4v
	 	 	 	 	 	 	Life Annuity	 	Life Annuity
	Age of	 	 	 	 	 	(w/120 payments	 	(w/240 payments
	Annuitant	 	Life Annuity	 	guaranteed)	 	guaranteed)
	 	 	Male	 	Female	 	Male	 	Female	 	Male	 	Female
	55
	 	4.80
	 	4.48
	 	4.74
	 	4.45
	 	4.54
	 	4.34
	56
	 	4.89
	 	4.56
	 	4.82
	 	4.52
	 	4.60
	 	4.40
	57
	 	4.99
	 	4.64
	 	4.91
	 	4.60
	 	4.67
	 	4.46
	58
	 	5.09
	 	4.73
	 	5.01
	 	4.68
	 	4.73
	 	4.53
	59
	 	5.21
	 	4.82
	 	5.11
	 	4.77
	 	4.79
	 	4.59
	60
	 	5.33
	 	4.92
	 	5.21
	 	4.86
	 	4.86
	 	4.66
	61
	 	5.45
	 	5.03
	 	5.32
	 	4.96
	 	4.92
	 	4.73
	62
	 	5.59
	 	5.14
	 	5.44
	 	5.06
	 	4.98
	 	4.80
	63
	 	5.73
	 	5.26
	 	5.56
	 	5.17
	 	5.05
	 	4.87
	64
	 	5.89
	 	5.39
	 	5.69
	 	5.29
	 	5.11
	 	4.94
	65
	 	6.06
	 	5.53
	 	5.83
	 	5.41
	 	5.17
	 	5.01
	66
	 	6.24
	 	5.68
	 	5.97
	 	5.54
	 	5.23
	 	5.08
	67
	 	6.43
	 	5.84
	 	6.11
	 	5.67
	 	5.29
	 	5.14
	68
	 	6.63
	 	6.01
	 	6.26
	 	5.82
	 	5.34
	 	5.21
	69
	 	6.84
	 	6.19
	 	6.42
	 	5.97
	 	5.39
	 	5.28
	70
	 	7.07
	 	6.39
	 	6.57
	 	6.12
	 	5.44
	 	5.34
	71
	 	7.32
	 	6.60
	 	6.74
	 	6.29
	 	5.48
	 	5.39
	72
	 	7.58
	 	6.84
	 	6.91
	 	6.46
	 	5.52
	 	5.45
	73
	 	7.86
	 	7.09
	 	7.08
	 	6.64
	 	5.56
	 	5.49
	74
	 	8.16
	 	7.36
	 	7.25
	 	6.83
	 	5.59
	 	5.54
	75
	 	8.47
	 	7.65
	 	7.42
	 	7.02
	 	5.62
	 	5.57
	76
	 	8.82
	 	7.97
	 	7.59
	 	7.22
	 	5.64
	 	5.61
	77
	 	9.18
	 	8.31
	 	7.77
	 	7.41
	 	5.67
	 	5.64
	78
	 	9.57
	 	8.69
	 	7.94
	 	7.61
	 	5.68
	 	5.66
	79
	 	9.99
	 	9.09
	 	8.11
	 	7.81
	 	5.70
	 	5.68
	80
	 	10.43
	 	9.53
	 	8.27
	 	8.00
	 	5.71
	 	5.70
	81
	 	10.91
	 	10.00
	 	8.43
	 	8.19
	 	5.72
	 	5.71
	82
	 	11.42
	 	10.51
	 	8.58
	 	8.38
	 	5.73
	 	5.72
	83
	 	11.96
	 	11.07
	 	8.72
	 	8.55
	 	5.74
	 	5.73
	84
	 	12.53
	 	11.67
	 	8.85
	 	8.71
	 	5.74
	 	5.74
	85
	 	13.15
	 	12.31
	 	8.98
	 	8.86
	 	5.75
	 	5.74






					
	 	 	 	 	 
	FS-995 (12/10)
	 	25
	 	 











 









 








OPTION 2v — TABLE OF INITIAL MONTHLY INSTALLMENT PER $1,000.

(Monthly installments for ages and gender combinations not shown will be furnished upon request.)

Joint & 100% Survivor Life Annuity




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age of	 	 
	Male	 	 
	Annuitant	 	Age of Female Annuitant
	 	 	55	 	60	 	65	 	70	 	75	 	80	 	85
	55
	 	4.09
	 	4.25
	 	4.40
	 	4.52
	 	4.62
	 	4.69
	 	4.74
	60
	 	4.20
	 	4.42
	 	4.64
	 	4.84
	 	5.00
	 	5.13
	 	5.21
	65
	 	4.29
	 	4.56
	 	4.87
	 	5.17
	 	5.45
	 	5.67
	 	5.83
	70
	 	4.35
	 	4.68
	 	5.07
	 	5.49
	 	5.92
	 	6.30
	 	6.60
	75
	 	4.40
	 	4.77
	 	5.23
	 	5.78
	 	6.38
	 	6.99
	 	7.50
	80
	 	4.43
	 	4.83
	 	5.34
	 	6.00
	 	6.79
	 	7.66
	 	8.50
	85
	 	4.45
	 	4.87
	 	5.42
	 	6.15
	 	7.10
	 	8.25
	 	9.49






OPTION 3v — TABLE OF INITIAL MONTHLY INSTALLMENT PER $1,000.

(Monthly installments for ages and gender combinations not shown will be furnished upon request)

Joint and 100% Survivor Life Annuity (w/120 payments guaranteed)




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age of	 	 
	Male	 	 
	Annuitant	 	Age of Female Annuitant
	 	 	55	 	60	 	65	 	70	 	75	 	80	 	85
	55
	 	4.08
	 	4.25
	 	4.40
	 	4.52
	 	4.61
	 	4.68
	 	4.71
	60
	 	4.19
	 	4.41
	 	4.63
	 	4.83
	 	4.99
	 	5.10
	 	5.16
	65
	 	4.28
	 	4.56
	 	4.86
	 	5.15
	 	5.41
	 	5.61
	 	5.73
	70
	 	4.35
	 	4.68
	 	5.05
	 	5.46
	 	5.86
	 	6.18
	 	6.40
	75
	 	4.39
	 	4.76
	 	5.20
	 	5.72
	 	6.27
	 	6.76
	 	7.11
	80
	 	4.42
	 	4.81
	 	5.30
	 	5.91
	 	6.60
	 	7.26
	 	7.77
	85
	 	4.44
	 	4.84
	 	5.36
	 	6.03
	 	6.82
	 	7.63
	 	8.29






OPTION 3v — TABLE OF INITIAL MONTHLY INSTALLMENT PER $1,000.

(Monthly installments for ages and gender combinations not shown will be furnished upon request)

Joint and 100% Survivor Life Annuity (w/240 payments guaranteed)




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age of	 	 
	Male	 	 
	Annuitant	 	Age of Female Annuitant
	 	 	55	 	60	 	65	 	70	 	75	 	80	 	85
	55
	 	4.07
	 	4.22
	 	4.36
	 	4.45
	 	4.51
	 	4.53
	 	4.54
	60
	 	4.17
	 	4.38
	 	4.56
	 	4.71
	 	4.80
	 	4.84
	 	4.85
	65
	 	4.25
	 	4.50
	 	4.74
	 	4.95
	 	5.08
	 	5.14
	 	5.17
	70
	 	4.30
	 	4.58
	 	4.88
	 	5.14
	 	5.31
	 	5.40
	 	5.43
	75
	 	4.32
	 	4.63
	 	4.96
	 	5.25
	 	5.46
	 	5.57
	 	5.61
	80
	 	4.34
	 	4.65
	 	4.99
	 	5.31
	 	5.54
	 	5.66
	 	5.70
	85
	 	4.34
	 	4.66
	 	5.00
	 	5.33
	 	5.57
	 	5.69
	 	5.74






					
	 	 	 	 	 
	FS-995 (12/10)
	 	26
	 	 









 









 








OPTION 5v — TABLE OF INITIAL MONTHLY INSTALLMENT PER $1,000.

Payments for a Specified Period




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Number	 	Monthly	 	Number	 	Monthly	 	Number	 	Monthly	 	Number	 	Monthly
	of Years	 	Payment	 	of Years	 	Payment	 	of Years	 	Payment	 	of Years	 	Payment
	 
	 	 	 	10
	 	9.83
	 	17
	 	6.47
	 	24
	 	5.09
	 
	 	 	 	11
	 	9.09
	 	18
	 	6.20
	 	25
	 	4.96
	5
	 	18.12
	 	12
	 	8.46
	 	19
	 	5.97
	 	26
	 	4.84
	6
	 	15.35
	 	13
	 	7.94
	 	20
	 	5.75
	 	27
	 	4.73
	7
	 	13.38
	 	14
	 	7.49
	 	21
	 	5.56
	 	28
	 	4.63
	8
	 	11.90
	 	15
	 	7.10
	 	22
	 	5.39
	 	29
	 	4.53
	9
	 	10.75
	 	16
	 	6.76
	 	23
	 	5.24
	 	30
	 	4.45






					
	 	 	 	 	 
	FS-995 (12/10)
	 	27
	 	 









 









 








The United States Life Insurance Company in the City of New York

A STOCK COMPANY    NEW YORK, NEW YORK




INDIVIDUAL FIXED AND

VARIABLE DEFERRED ANNUITY CONTRACT




Nonparticipating



					
	 	 	 	 	 
	FS-995 (12/10)
	 	28