Document:

Exhibit 10.7

 Exhibit 10.7 
 AMENDMENT TO SALARY CONTINUATION AGREEMENT 
 This AMENDMENT TO SALARY CONTINUATION AGREEMENT, dated
August 13, 2007, is by and between UNION TRUST COMPANY, a Maine banking corporation with a place of business in Ellsworth, Hancock County, Maine (the “Bank”), and [EMPLOYEE] (the “Employee”). 
 WHEREAS, the Bank is a subsidiary of Union Bankshares Company (the “Corporation”); and 
 WHEREAS, the Bank and the Employee entered into a certain Salary Continuation Agreement on December 1, 1992 (the “Agreement”); and

 WHEREAS, the parties desire to amend the Agreement to, among other things, comply with and meet the requirements of the provisions of
Section 409A of the Internal Revenue Code of 1986, as amended (“Section 409A”); and 
 WHEREAS, the Agreement provides that
the Employee’s right to payment under the Agreement is subject to a “substantial risk of forfeiture” (as such term is used under Section 409A) until such time as a “Business Combination” (as such term is defined in the
Agreement) occurs; and 
 WHEREAS, the parties desire to amend the Agreement to provide that the payment provided under Section 1 of the
Agreement shall be paid in a single lump sum upon the occurrence of a Business Combination (i.e., upon the date there is no longer a “substantial risk of forfeiture”), without the requirement that the Employee experience a
termination of employment, thereby qualifying for the “short-term deferral” exception under Section 409A; and 
 WHEREAS, the
Corporation is in discussions to engage in a transaction with Camden National Corporation (the “Proposed Transaction”) which, if and when consummated, would constitute a “Business Combination” (as such term is defined in the
Agreement). 
 NOW, THEREFORE, in consideration of the mutual covenants contained herein, the parties to the Agreement hereby agree to amend
the Agreement as follows: 
 1. Section 1 of the Agreement is hereby amended by deleting said section in its entirety and substituting
therefore the following: 
 “1. Payment Upon a Change in Control. Upon the first occurrence of a ‘Business
Combination’ as defined in Article VI of the Corporation’s Bylaws, the Bank shall pay to the Employee the lesser of (i) three times the total compensation paid to the Employee in the last full fiscal year prior to termination of
employment less one dollar, or (ii) the maximum amount permitted under the Internal Revenue Code without being deemed an ‘excess parachute payment’ within the meaning of Internal Revenue Code Section 280G, or any successor
provision, and any regulations promulgated thereunder. As used herein, 

 
‘compensation’ shall include any and all salary, bonuses, and other such remuneration paid by the Bank to the Employee in a fiscal year including,
without limitation, the value of any unexercised stock options, whether qualified or unqualified and contributions made to 401(k) and Profit Sharing Plans. ‘Compensation’ shall exclude any amounts earned by an employee in a given year, the
payment of which was deferred until a future year. 
 All amounts payable pursuant to this Agreement shall be payable in a
lump sum. The Bank shall tender payment upon the first occurrence of a Business Combination. All amounts payable hereunder shall be in addition to, and not in lieu of, retirement benefits, deferred compensation payments or any other amounts to which
the Employee otherwise may be entitled.” 
 2. Section 4 of the Agreement is hereby amended by said section in its entirety and
substituting therefore the following: 
 “4. Death of Employee. In the event the Employee shall die after the
first occurrence of a Business Combination, but prior to tender of full payment by the Bank, the Bank shall, at the direction of the Employee’s personal representative, remit to the Employee’s estate all amounts due and owing to the
Employee under this Agreement.” 
 3. The Agreement is hereby further amended by adding a new Section 12 immediately after
Section 11 thereof as follows: 
 “12. Section 409A. The parties intend that this Agreement will be
administered in accordance with Section 409A of the Internal Revenue Code. The parties agree that this Agreement may be amended, as reasonably requested by either party, and as may be necessary to fully comply with Section 409A of the
Internal Revenue Code and all related rules and regulations in order to preserve the payments and benefits provided hereunder without additional cost to either party. 
 Anything in this Agreement to the contrary notwithstanding, if at the time of Employee’s separation from service, the Employee is
considered a “specified employee” within the meaning of Section 409A(a)(2)(B)(i) of the Internal Revenue Code, and if any payment that Employee becomes entitled to under this Agreement is considered deferred compensation subject to
interest and additional tax imposed pursuant to Section 409A(a) of the Internal Revenue Code as a result of the application of Section 409A(a)(2)(B)(i) of the Internal Revenue Code, then no such payment shall be payable prior to the date
that is the earlier of (i) six months after the employee’s “separation from service” within the meaning of Section 409A and the regulations promulgated thereunder, or (ii) the Employee’s death.” 

 4. The Agreement otherwise remains in full force and effect as to all other provisions under said
Agreement and this Amendment shall only be effective upon the consummation of the Proposed Transaction. 
 IN WITNESS WHEREOF, the parties
hereto have executed this Amendment as of the date first above written. 
  

			
	  

	[EMPLOYEE]
	
	UNION TRUST COMPANY
		
	By:	 	  

	Name:	 	
	Title:Exhibit 10.8

 Exhibit 10.8 
 WAIVER OF SALARY CONTINUATION AGREEMENT 
 This WAIVER OF SALARY CONTINUATION AGREEMENT, dated
August 13, 2007, is by and between UNION TRUST COMPANY, a Maine banking corporation with a place of business in Ellsworth, Hancock County, Maine (the “Bank”), and Peter A. Blyberg of Blue Hill, Maine (the “Employee”).

 WHEREAS, the Bank is a subsidiary of Union Bankshares Company (the “Corporation”); and 
 WHEREAS, the Bank and the Employee entered into a certain Salary Continuation Agreement on August 12, 1993 (the “Agreement”); and

 WHEREAS, the Corporation is in discussions to engage in a transaction (the “Proposed Transaction”) with Camden National
Corporation which, if and when consummated, would constitute a “Business Combination” (as such term is defined in the Agreement); and 
 WHEREAS, the Employee, as a shareholder and employee of the Corporation, will benefit from the consummation of the Proposed Transaction; and 
 WHEREAS, in anticipation of, and subject to the consummation of, the Proposed Transaction, the parties desire to terminate the Agreement without the payment of any amounts thereunder to the Employee. 
 NOW, THEREFORE, in consideration of the mutual covenants contained herein, the parties to the Agreement hereby agree as follows: 
 1. For consideration duly received, including without limitation the possibility of the consummation of the Proposed Transaction and the Employee’s
continued at-will employment with the Bank, the Employee as of the date first above written hereby irrevocably waives any and all benefits and/or payments he may now or in the future be entitled to receive under the Agreement. Such waiver shall be
effective as of the day immediately prior to the closing date of the Proposed Transaction. 
 2. The parties intend this Waiver to render,
and hereby agree that this Waiver renders, the Agreement null and void as of the day immediately prior to the closing date of the Proposed Transaction. 
 IN WITNESS WHEREOF, the parties hereto have executed this Waiver as of the date first above written. 
  

			
	 /s/ Peter A. Blyberg

	Peter A. Blyberg
	
	UNION TRUST COMPANY
		
	By:	 	 /s/ Sally J. Hutchins

	Name:	 	Sally J. Hutchins
	Title:	 	SVP, Director of HRExhibit (4)(a)

 Exhibit 4(a) 
 Form of Policy 

			
	 WESTERN RESERVE LIFE
	 	Administrative Office:
	 ASSURANCE CO. OF OHIO
	 	4333 Edgewood Road N.E.
	 (A STOCK COMPANY)
	 	Cedar Rapids, Iowa 52499
	 Home Office: Columbus, Ohio
	 	(800) 553-5957

  

			
	 ANNUITANT:
	 	John Doe
		
	 OWNER(S):
	 	John Doe
		
	 POLICY NUMBER:
	 	12345
		
	 POLICY DATE:
	 	July 1, 2007

 WE AGREE 
  

	•	 	 To pay partial withdrawal and surrender benefits in accordance with Section 6 of this policy; 

  

	•	 	 To pay death proceeds in accordance with Section 10 of this policy; and 

  

	•	 	 To provide annuity payments as set forth in Section 11 of this policy. 

 These agreements are subject to the provisions of this policy. This policy is issued in consideration of the payment of the initial premium. 
 Partial withdrawals may be subject to a market value adjustment reflecting changes in interest rates in accordance with Section 5 and 6 of this policy. Transfers and amounts applied to an income option may also
be subject to a market value adjustment in accordance with Sections 9, and 11, respectively, of this policy. 
 20 DAY RIGHT TO CANCEL 

 You may cancel this policy by delivering or mailing a written notice or sending a telegram to us or your agent. You must return the policy before midnight
of the twentieth day after the day you receive it. Notice given by mail and return of the policy by mail are effective on being postmarked, properly addressed and postage prepaid. 
 Unless otherwise required by law, we will pay you an amount equal to the sum of: 
  

	•	 	 the premiums paid; 

  

	•	 	 less prior partial withdrawals, if any; 

  

	•	 	 plus or minus the gains or losses, if any, in the separate account on the date of cancellation. 

 Signed for us at our home office. 
  

			
	 /s/ William H. Geiger
	    	 /s/ Brenda Clancy

	 SECRETARY
	    	PRESIDENT

 This policy is a legal contract between the policyowner and the company. 
 READ YOUR POLICY CAREFULLY 
 FLEXIBLE
PREMIUM DEFERRED VARIABLE ANNUITY 
 INCOME PAYABLE AT ANNUITY COMMENCEMENT DATE 
 BENEFITS BASED ON THE PERFORMANCE OF THE SEPARATE ACCOUNT ARE 
 VARIABLE AND ARE NOT GUARANTEED 
 AS TO DOLLAR AMOUNT (SEE SECTIONS 7 AND 11C) 
 NON-PARTICIPATING 
 AV1359 101 208 707 

 SECTION 1 - DEFINITIONS 
 ADJUSTED POLICY VALUE - The policy value increased or decreased by any market value adjustment. 
 ANNUITANT -
The person upon whose life annuity payments will be based. 
 ANNUITY COMMENCEMENT DATE - The date annuity payments begin. The latest date that
payments are scheduled to begin is the maximum annuity commencement date shown on the Policy Data Page. This date may be changed by the owner as described in Section 3. 
 CASH VALUE - The amount, defined in Section 6, that is available for partial withdrawals or surrenders. 
 DISTRIBUTION - A partial withdrawal or surrender. 
 EARNINGS or GAINS - The amount, if any, by which the policy value exceeds the
premium payments not considered previously withdrawn. 
 FIXED ACCOUNT - Guaranteed period options and dollar cost averaging fixed account option as
described in Section 8. 
 FIXED ACCOUNT GUARANTEED MINIMUM EFFECTIVE ANNUAL INTEREST RATE - The minimum guaranteed credited rate used to
determine the fixed account portion of your policy value prior to the annuity commencement date. This rate is shown on the Policy Data Page. 
 INCOME
OPTIONS - Options through which the distribution of the adjusted policy value can be directed. 
 INVESTMENT OPTIONS - Any of the guaranteed fixed
account options and any of the subaccounts of the separate account. 
 MINIMUM NONFORFEITURE INTEREST RATE - The interest rate shown on the Policy
Data Page and which is used to determine the minimum required cash value, which applies to the fixed account, as defined in your state’s nonforfeiture law. This rate is not the credited rate used to determine your policy’s cash value, but
rather to develop the minimum cash value required by the law of your state. 
 MINIMUM REQUIRED CASH VALUE - The amount required by your state’s
nonforfeiture law and which would be payable upon surrender if such amount exceeds the cash value that would be provided by the fixed account of your policy at that time. This minimum value is calculated differently than your fixed account cash
value and the higher of the two values will be paid on surrender to ensure compliance with your state’s law. The minimum required cash value is described in Section 6. 
 PARTIAL WITHDRAWAL - A disbursement of a portion of the cash value. Any withdrawal will reduce the policy value and cash value. 
 PAYEE - The person to whom annuity payments will be made. 
 POLICY ANNIVERSARY - The anniversary of the policy
date for each year the policy remains in force. 
 POLICY DATE - The date shown on the Policy Data Page of this policy and the date on which this
policy becomes effective. 
 POLICY VALUE - Amount defined in Section 5. 
 POLICY YEAR - Each 12-month period following the policy date. The first policy year starts on the policy date. Each subsequent policy year starts on the next policy anniversary. 
 SEPARATE ACCOUNT - The separate investment account(s) established by us, as described in Section 7. 
 SUBACCOUNT - A division of the separate account, as described in Section 7. 
 SURRENDER - A full disbursement of the cash value. 
 YOU, YOUR - The owner of this policy. Unless otherwise
specified, the annuitant and the owner shall be one and the same person. If a joint owner is named, reference to “you” or “your” in this policy will apply to both the owner and joint owner. 
  

 Page 2 
  

 AV1359 101 208 707 

 SECTION 2 - POLICY DATA 
  

							
	POLICY NUMBER:	  	12345	 	ANNUITANT:	  	JOHN DOE
				
	INITIAL PREMIUM PAYMENT:	  	$30,000.00	 	ISSUE AGE/SEX:	  	35 / MALE
				
	POLICY DATE	  	JULY 1, 2007	 	OWNER(S):	  	JOHN DOE
				
	ANNUITY COMMENCEMENT DATE:	  	JULY 31, 2071	 	 GUARANTEED MINIMUM
 DEATH BENEFIT OPTION:
	  	POLICY VALUE
				
	BENEFICIARY:	  	JANE DOE	 		  	

  

				
	 Fixed Account Guaranteed Minimum Effective Annual Interest Rate:
	 	1.50	%
		
	 Minimum Nonforfeiture Interest Rate: *
	 	3.00	%
		
	 *This interest rate applies for the life of the policy.
	 		
		
	 Before the Annuity Commencement Date:
	 		
		
	 Mortality and Expense Risk Fee and Administrative Charge:
	 	0.45	%
		
	 After the Annuity Commencement Date:
	 		
		
	 Mortality and Expense Risk Fee and Administrative Charge:
	 	0.50	%

 The amount paid on surrender will never be less than the greater of the following two amounts: 1) cash value as
described in Section 6, and 2) minimum required cash value, equal to 87.5% of premium payments and transfers made to the fixed account, less prior gross partial withdrawals and transfers from the fixed account, less $50 per year at the
beginning of each year, all accumulated at the minimum nonforfeiture interest rate shown above, plus the separate account cash value. 
  

 Page 3 
  

 AV1359 101 208 707 

 SECTION 3 - GENERAL PROVISIONS 
 THE CONTRACT 
 This policy, which includes any attached endorsements and riders, constitutes the entire contract
between you and us. 
 MODIFICATION OF POLICY 
 No change
in this policy is valid unless made in writing by us and approved by one of our authorized officers. No agent or registered representative has authority to change or waive any provision of your policy. 
 TAX QUALIFICATION 
 This policy is intended to qualify as an annuity
contract for federal income tax purposes. The provisions of this policy are to be interpreted to maintain such qualification, notwithstanding any other provisions to the contrary. To maintain such tax qualification, we reserve the right to amend
this policy to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification or to conform this policy to any applicable changes in the tax qualification requirements. We will send you a copy in the event of any
such amendment. If you refuse such an amendment it must be by giving us written notice, and your refusal may result in adverse tax consequences. 
 NON-PARTICIPATING 
 This policy will not share in our profits or surplus. 
 AGE OR SEX CORRECTIONS 
 If the age or sex of the annuitant has been misstated, the benefits will be those, which the
premiums paid, would have purchased for the correct age and sex. Any underpayment made by us will be paid with the next payment. Any overpayment made by us will be deducted from future payments. Any underpayment or overpayment will include interest
from the date of the incorrect payment to the date of the adjustment. 
 INCONTESTABILITY 
 This policy shall be incontestable from the policy date. 
 EVIDENCE OF
SURVIVAL 
 We have the right to require evidence satisfactory to us that a person was alive if a payment is based on that person being alive. No payment
will be made until we receive the evidence of continued survival. 
 SETTLEMENT 
 Any payment by us under this policy is payable at our Administrative Office. 
 RIGHTS OF OWNER 
 Prior to the annuity commencement date, the owner may, while the annuitant is living: 
  

	1.	Assign this policy. 

  

	2.	Surrender the policy to us. 

  

	3.	Amend or modify the policy with our consent. 

  

	4.	Elect to receive annuity payments or name a payee to receive the payments. 

  

	5.	Exercise, receive, and enjoy every other right and benefit contained in the policy. 

 The use of these rights may be subject to the consent of any assignee, irrevocable beneficiary, and of the spouse in a community or marital property state. 
 CHANGE OF OWNERSHIP 
 As permitted by law, you can change the owner of
this policy by notifying us in writing in a form and manner acceptable to us. When a change takes effect, all rights of ownership in this policy will pass to the new owner. 
 A change of owner will not be effective until it is recorded in our records. After it has been so recorded, the change will take effect as of the date you signed the notice. However, if the annuitant dies before the
notice has been so recorded, it will not be effective as to those proceeds we have paid before the change was recorded in our records. 
 We may require that
the change be endorsed in the policy. Changing the owner does not change the beneficiary or the annuitant. 
 A change of ownership may result in adverse tax
consequences. 
 COMMUNITY OR MARITAL PROPERTY 
 Unless we
are notified in accordance with applicable law of a community or marital property interest in this policy, we are not bound by any such interest. 
 ANNUITY COMMENCEMENT DATE 
 The annuity commencement date is the date payments begin under an income option. You may change the annuity
commencement date at any time by giving us 30 days’ written notice. In no event can this date be later than the last day of the month following the month in which the annuitant attains age 95. 
 ASSIGNMENT 
 Before the annuity commencement date, you may assign this
policy as permitted by law. The assignment must be in writing and filed with us. We assume no responsibility for the validity of any assignment. Any claim made under an assignment shall be subject to proof of interest and the extent of the
assignment. 
 Assignment of this policy may result in adverse tax consequences. 
  

 Page 4 
  

 AV1359 101 208 707 

 SECTION 3 - CONTINUED 
 BENEFICIARY 
 Death proceeds, when payable in accordance with Section 10, are payable to the designated
beneficiary or beneficiaries. Prior to the annuitant’s death, you may name or change a beneficiary, without the beneficiary’s consent (unless irrevocably designated or required by law) at any time by notifying us in writing in a form and
manner acceptable to us. The change will take effect upon the date you sign it, whether or not you are living when we receive it. The notice must have been postmarked (or show other evidence of delivery that is acceptable to us) on or before the
date of the annuitant’s death. Your most recent change of beneficiary notice will replace any prior beneficiary designations in their entirety. No change will apply to any payment we made before the written notice was received. If an
irrevocable beneficiary dies, you may designate a new beneficiary. 
 You may direct the manner of payment of death proceeds pursuant to the terms of this
policy, subject to applicable law. In the absence of such direction, the beneficiary may elect the manner of payment or make an election of any option. 
 Only those beneficiaries living at the time of the annuitant’s will be eligible to receive a share of the death proceeds. If both primary and contingent beneficiaries have been named, payment will be made to the named primary
beneficiaries living at the time the death proceeds become payable. Payment will be made to the named contingent beneficiaries only if all primary beneficiaries have died before the death proceeds become payable. 
 If death proceeds are payable to more than one beneficiary and you failed to specify their interest, they will share equally. If any beneficiary is alive at the time the
death proceeds become payable, but dies before receiving their payment, their share will be paid to their estate. 
 PROTECTION OF PROCEEDS

 Unless you so direct by filing written notice with us, no beneficiary may assign any payments under this policy before the payments are due. To the
extent permitted by law, no payments under this policy will be subject to the claims of creditors of any beneficiary. 
 DEFERMENT 
 We will pay any partial withdrawal or surrender proceeds from the separate account within 7 days after all requirements have been met. However, it may happen that the New
York Stock Exchange is closed for trading (other than the usual weekend or holiday closings) or the Securities and Exchange Commission restricts trading or determines that an emergency exists. If so, it may not be practical for us to determine the
investment experience of the separate account. In that case, we may defer transfers among the subaccounts and to the fixed account, and determination or payment of partial withdrawals or surrender proceeds. 
 When permitted by law, we may defer (with prior authorization from the Commissioner) paying any partial withdrawal or surrender proceeds from the fixed account for up to
6 months from the date we receive your request. If the annuitant dies after the request is received, but before the request is processed, the request will be processed before the death proceeds are determined. Interest will be paid on any amount
deferred for 30 days or more. This rate will be the fixed account guaranteed minimum effective annual interest rate shown on Page 3, unless otherwise required by law. 
 REPORTS TO OWNER 
 We will give you an annual report at least once each policy year. This report will show the number
and value of the accumulation units held in each of the subaccounts as well as the value of the fixed account. It will also show the death benefit, cash value, and any other facts required by law or regulation. 
 SECTION 4 - PREMIUM PAYMENTS 
 PAYMENT OF PREMIUMS

 Premium payments may be made any time while this policy is in force before the annuity commencement date. You may start or stop, increase or decrease,
or skip any premium payments. 
 MAXIMUM AND MINIMUM PREMIUM PAYMENT 
 The minimum initial premium payment is $30,000, without prior company approval. The minimum subsequent premium payment we will accept is $50. The maximum total premium payments which we will accept without prior
company approval is $1,000,000. The premium payments may not be more than the amount permitted by law if this is a tax-qualified annuity. We reserve the right to limit or refuse any premium payment after the first policy anniversary. 
  

 Page 5 
  

 AV1359 101 208 707 

 SECTION 4 - CONTINUED 
 PREMIUM PAYMENT DATE 
 The premium payment date is the date on which we credit the premium payment to the policy. We
will credit the initial premium payment less any applicable premium taxes to the policy within two business days after receipt of the premium payment and the information needed. We will credit subsequent premium payments to the policy as of the
business day the premium payment and required information are received. A business day is any day that the New York Stock Exchange is open for trading. 
 ALLOCATION OF PREMIUM PAYMENTS 
 When you purchase your policy, we will allocate your premium payment to the investment options you select.
Your allocation must be in whole percentages and must total 100%. We will allocate subsequent premium payments the same way unless you request a different allocation. 
 CHANGE OF ALLOCATION 
 You may change the allocation of premium payments by notifying us in a form and manner
acceptable to us. Premium payments received after the date on which we receive your notice will be applied on the basis of the new allocation. 
 PREMIUM
AND OTHER TAXES 
 Any taxes paid by us to any governmental entity relating to this policy will be deducted from the premium payment or policy value when
incurred. We will, at our sole discretion, determine when taxes relate to the policy, including when they have resulted from: the investment experience of the separate account; receipt by us of the premium payments; or commencement of annuity
payments. We may, at our sole discretion, pay taxes when due and deduct that amount from your policy value at a later date. Payment at an earlier date does not waive any right we may have to deduct amounts at a later date. We will deduct any
withholding taxes required by applicable law. 
 SECTION 5 - POLICY VALUE 
 POLICY VALUE 
 On or before the annuity commencement date, the policy
value is the sum of your separate account value and your fixed account value, minus service charges, premium taxes, rider fees, and transfer fees, if any. 
 SERVICE CHARGE 
 On each policy anniversary and at the time of surrender during any policy year before the annuity commencement date, we
reserve the right to assess a service charge up to $30 for policy administration expenses. The service charge will be deducted from each investment option in proportion to the amount of policy value (prior to such charge) in each investment option.
In no event will the service charge exceed 2% of the policy value on the policy anniversary or at the time of surrender. 
 The service charge will not be
deducted on a policy anniversary or at the time of surrender if at that time the sum of all premium payments less the sum of all partial withdrawals taken equals or exceeds $30,000 or the policy value equals or exceeds $30,000. 
 ADJUSTED POLICY VALUE 
 The adjusted policy value is the policy value
increased or decreased by any market value adjustment. 
 You may use the greater of the adjusted policy value or the minimum required cash value, applicable
to the fixed account, plus the separate account policy value, on the annuity commencement date to provide lifetime income or income for a period of no less than 60 months under the income options in Section 11. 
 MARKET VALUE ADJUSTMENT 
 Surrender, partial withdrawals, transfers,
death proceeds, and amounts applied to an income option (prior to the end of any guaranteed period option) from guaranteed period options of the fixed account described in Section 8 will be subject to a market value adjustment except as
provided below. 
 A market value adjustment applies when death proceeds are calculated. However, if the net effect of all market value adjustments is
negative, we will not reduce the death proceeds. 
 The market value adjustment is based on any change in interest rates from the time the affected
guaranteed period option started until the time the market value adjustment occurs. The market value adjustment is applied as follows: 
  

	1)	The market value adjustment is only applied when a transaction occurs prior to the end of a guaranteed period option; 

  

	2)	Transfers to the guaranteed period options of the fixed account are considered premium payments for purposes of determining the market value adjustment; 

  

	3)	If interest rates have decreased from the time the affected guaranteed period option started until the time the transaction occurs, the market value adjustment will result in
increased funds available to you; 

  

 Page 6 
  

 AV1359 101 208 707 

 SECTION 5 - CONTINUED 
  

	4)	If interest rates have increased from the time the affected guaranteed period option started until the time the transaction occurs, the market value adjustment will result in
decreased funds available to you; 

  

	5)	Certain amounts are not subject to the market value adjustment as provided in Sections 6, 9, and 11; and 

  

	6)	The market value adjustment for each guaranteed period option will not reduce the adjusted policy value for that guaranteed period option below the amount paid into that guaranteed
period option, less any prior withdrawals and transfers from that guaranteed period option, as they occur, all accumulated at the fixed account guaranteed minimum effective annual interest rate shown on Page 3. 

 The formula for determining the amount of the market value adjustment is as follows: 
 Market Value Adjustment = S x (G- C) x (M/12) where: 
  

	 	S	is the amount (before premium taxes, if any) of the surrender, partial withdrawal, transfer, or amount applied to an income option that is subject to the market value adjustment.

  

	 	G	is the guaranteed effective annual interest rate for the guaranteed period option applicable to “S.” 

  

	 	C	is the current guaranteed effective annual interest rate then being offered on new premium payments for the next longer guaranteed period option than “M”. If this policy
form or such a guaranteed period option is no longer offered, “C” will be the U.S. Treasury rate for the next longer maturity (in whole years) than “M” on the 25th day of the previous calendar month, plus 2% (or a lesser amount
determined by Us). 

  

	 	M	is the number of months remaining in the guaranteed period option for “S”, rounded up to the next higher whole number of months. 

 SECTION 6 - CASH VALUE, SURRENDERS, 
 AND PARTIAL WITHDRAWALS 
 CASH VALUE 
 On
or before the annuity commencement date, you may make a partial withdrawal or surrender this policy for its cash value. The cash value is equal to the greater of the adjusted policy value or the minimum required cash value, applicable to the fixed
account, plus the separate account cash value. The fixed account cash value is the fixed account portion of the policy value less the portion of the service charge attributable to the fixed account. The separate account cash value is the separate
account portion of the policy value less the portion of the service charge attributable to the separate account. Information about your policy’s cash value is available upon request. After the annuity commencement date, there is no cash value.

  

	1.	LUMP SUM 

 Beginning in the first policy year, the
earnings are available as a lump sum distribution once per policy year with no market value adjustment (MVA), however principal withdrawals will be subject to MVA. 
  

	2.	SYSTEMATIC PAYOUT OPTION 

 Beginning in the first
policy year, you may take partial withdrawals on a monthly, quarterly, semi-annual or annual basis through a systematic payout option. At the time a systematic payout option withdrawal is made, each partial withdrawal must be at least $200 and may
not exceed the greater of A or B, divided by the number of systematic payout option withdrawals made per year (e.g. 12 for monthly) where: 
  

	 	A	is the earnings, if any; and 

  

	 	B	is an amount equal to 10% of the premium 

 payments. 
 No market value adjustment will apply to the systematic payout option. Monthly and quarterly systematic payout option withdrawals must
be sent through electronic funds transfer directly to a checking or savings account. You may stop systematic payout option withdrawals by giving us 30 days’ written notice. 
 Once you have elected a systematic payout option, you must wait a minimum time before the first systematic payout option payment: 1 month for monthly, 3 months for quarterly, 6 months for semi-annual, or 12 months for
annual. 
 If you are receiving systematic payout option withdrawals and a lump sum partial withdrawal is taken, such that future systematic payout option
withdrawals will cause the total amount of partial withdrawals in that policy year to exceed the total amount allowed under A or B above, then we will adjust future systematic payout option withdrawals to reflect the remaining amount allowed under A
or B above for that policy year. Your systematic payout option withdrawals will be adjusted on your next scheduled systematic payout option withdrawal, based on the remaining amount. 
  

 Page 7 
  

 AV1359 101 208 707 

 SECTION 6 - CONTINUED 
  

	3.	MINIMUM REQUIRED DISTRIBUTION 

 Partial Withdrawals
taken to satisfy minimum distribution requirements under Section 401(a)(9) of the Internal Revenue Code are available without a market value adjustment. The amount available from this policy with respect to the minimum distribution requirement
is based solely on this policy. 
 Systematic minimum required distributions must be at least $50 or a lump sum distribution is available if
systematic minimum required distributions are less than $50. 
  

	4	NURSING CARE AND TERMINAL CONDITION WITHDRAWAL OPTIONS 

 Definitions applicable to this option: 
 HOSPITAL - An institution which 1) is operated pursuant to the laws of the
jurisdiction in which it is located, 2) operates primarily for the care and treatment of sick and injured persons on an inpatient basis, 3) provides 24-hour nursing service by or under the supervision of registered graduate professional nurses, 4)
is supervised by a staff of one or more licensed physicians, and 5) has medical, surgical and diagnostic facilities or access to such facilities. 
 NURSING FACILITY - A facility which 1) is operated pursuant to the laws of the jurisdiction in which it is located, 2) provides care prescribed by a physician and performed or supervised by a registered graduate nurse on a 24 hour
basis, or provides care designed essentially to help a person with the activities of daily living which does not require the continuous attention of trained medical or paramedical personnel, and 3) is not, other than incidentally, a hospital, a home
for the aged, a retirement home, a rest home, a community living center or a place mainly for the treatment of alcoholism, mental illness, or drug abuse. 
 PHYSICIAN - A Doctor of Medicine or Doctor of Osteopathy who is licensed as such and operating within the scope of the license. 
 TERMINAL CONDITION - A condition resulting from an accident or illness which, as determined by a physician, has reduced life expectancy to not more than 12 months, despite appropriate medical care. 

Beginning in the first policy year, if you or your spouse (annuitant or annuitant’s spouse if the owner is not a natural person) has been 1)
confined in a hospital or nursing facility for 30 consecutive days or 2) diagnosed as having a terminal condition, you may elect to withdraw all or a portion of the policy value without a market value adjustment. The minimum partial withdrawal under
this option is $1000. This option is available even during the policy years other partial withdrawal options were exercised. 
 For nursing
care withdrawal, we must receive each partial withdrawal or surrender request and proof of eligibility with each request no later than 90 days following the date that confinement has ceased, unless it can be shown that it was not reasonably possible
to provide the notice and proof within the above time period and that the notice and proof were given as soon as reasonably possible. However, in no event, except the absence of legal capacity, shall the notice and proof be provided later than one
year following the date that confinement has ceased. Proof of confinement may be a treating physician’s statement or a statement from a hospital or nursing facility administrator. Systematic nursing care withdrawals are not permitted.

 For a terminal condition withdrawal, we must receive each partial withdrawal or surrender request and the applicable proof of eligibility
no later than one year following diagnosis of the terminal condition. Proof of a terminal condition is required only with the initial partial withdrawal request and must be furnished by the treating physician. 
  

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 AV1359 101 208 707 

 SECTION 6 - CONTINUED 
  

	5.	UNEMPLOYMENT WAIVER 

 Beginning in the first policy
year, you may withdraw all or a portion of the policy value free of any market value adjustment if you or your spouse (annuitant or annuitant’s spouse, if the owner is not a natural person) becomes unemployed. In order to qualify, such person
1) must have been employed full-time for at least two years prior to becoming unemployed, 2) must have been employed full-time on the policy date, and 3) must have been unemployed for at least 60 consecutive days and receiving unemployment benefits
at the time of partial withdrawal. Proof of unemployment will consist of providing us with a determination letter from the applicable state’s Department of Labor, which verifies that the person qualifies for and is receiving unemployment
benefits at the time of partial withdrawal. The determination letter must be received by us no later than 15 days following the date of the partial withdrawal request. 
 PARTIAL WITHDRAWALS 
 We will pay you a portion of the cash value as a partial withdrawal provided we receive your
written request while the policy is in effect and before the annuity commencement date. Partial withdrawals will be deducted in proportion to the amount of policy value in each investment option unless you tell us otherwise. If your request for a
partial withdrawal from an investment option is less than or equal to the amount of cash value in that option, we will pay the amount of your request. However, if your request for a partial withdrawal from an investment option is greater than the
amount of cash value in that option, we will pay you only the amount of cash value in that investment option. 
 The “gross partial withdrawal” is
the total amount deducted from your policy value as a result of each partial withdrawal. The gross partial withdrawal may be more or less than your requested partial withdrawal amount, depending on whether market value adjustments apply at the time
you request the partial withdrawal. 
 The formula for determining the gross partial withdrawal is as follows: Gross Partial Withdrawal = R - E, where:

  

	R	is the requested partial withdrawal; 

  

	E	is the market value adjustment; 

 If any partial withdrawal reduces the
cash value below $500, we reserve the right to pay the full cash value and terminate the policy. 
 We may (with prior authorization from the commissioner),
delay payment of the cash value from the fixed account for up to 6 months after we receive the request. If the annuitant dies after we receive the request, but before the request is processed, the request will be processed before the death proceeds
are determined. 
 Partial withdrawals in the amount of the cumulative interest in the guaranteed period option(s) of the fixed account at the time of
withdrawal may be withdrawn from the GPO(s) of the fixed account free of any market value adjustment. 
 Amounts withdrawn under one of the options above may
reduce the amount available under another option. Market value adjustment may be waived as described above. 
 GUARANTEED RETURN OF FIXED ACCOUNT PREMIUM
PAYMENTS 
 Upon full surrender of the policy, you will always receive at least the premium payments made to, less prior withdrawals and transfers from,
the fixed account. 
 MINIMUM VALUES 
 Benefits available
under this policy, including any paid up annuity or death benefits that may be available, are not less than those required by any statute of the state in which the policy is delivered. 
  

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 AV1359 101 208 707 

 SECTION 6 - CONTINUED 
 MINIMUM REQUIRED CASH VALUE 
 This amount is applicable to the fixed account. This amount is prescribed by your
state’s minimum cash value law, and is paid upon surrender only if it is greater than your fixed account cash value as defined in this section. 
 The
minimum amount is determined differently than your policy’s cash value, and is described on the Policy Data page. The minimum amount is calculated according to a procedure specified in your state’s law using the prescribed minimum
nonforfeiture interest rate, which can never be less than 1 % (nor more than 3%), such rate determined as follows: 
 On the policy date, the initial
minimum nonforfeiture interest rate is equal to an “averaged Five Year Constant Maturity Treasury rate” less 1,25%, but the result will not be less than 1% nor more than 3%. The averaged rate is determined by averaging the daily Treasury
rates for the first 10 business days of the month immediately preceding the calendar quarter in which your policy is issued. The average of these ten Treasury rates is rounded to the nearest 0.05% before the deduction of 1.25% occurs. For example,
if your policy was issued on any business day during the third calendar quarter, your initial nonforfeiture rate would be determined using the first ten business days’ Five Year Constant Maturity Treasury rates for the month of June during the
same calendar year. 
 The minimum nonforfeiture interest rate will be determined initially and will apply on the policy date. 
 SECTION 7 - SEPARATE ACCOUNT 
 SEPARATE ACCOUNT

 We have established and will maintain one or more separate accounts, under the laws of the state of Ohio. The separate account consists of assets which
we keep separate from our general account assets and all of our other segregated asset accounts. Any realized or unrealized income, net gains, and losses from the assets of the separate account are credited to or charged against it without regard to
our other income, gains, or losses. Assets are placed in the separate account for this policy, as well as for other variable annuity policies. Any separate account may invest assets in shares of one or more mutual fund portfolios, or in the case of
a managed separate account, direct investments in stocks or other securities as permitted by law. “Fund shares” refers to shares of underlying mutual fund portfolios or pro rata ownership of the assets held in a subaccount of a managed
separate account. We purchase, redeem and value fund shares on behalf of the separate account. 
 The separate account is divided into subaccounts. The
assets in each subaccount are invested exclusively in shares of one of the portfolios of an underlying mutual fund. We reserve the right to add subaccounts to, or remove any subaccount from, the separate account. 
 The assets of the separate account are our property. These assets will equal or exceed the reserves and other contract liabilities of the separate account. These assets
will not be chargeable with liabilities arising out of any other business we conduct. We reserve the right, subject to regulations governing the separate account, to transfer assets of a subaccount, in excess of the reserves and other contract
liabilities with respect to that subaccount, to another subaccount, or to our general account. 
 We will determine the fair market value of the assets of
the separate account in accordance with a method of valuation, which we establish in good faith. “Valuation Period” means the period of time from one determination of the value of each subaccount to the next determination. Such
determinations are made when the value of the assets and liabilities of each subaccount is calculated. This is generally the close of business on each day on which the New York Stock Exchange is open. 
 We also reserve the right to transfer assets of the separate account, which we determine to be associated with the class of policies to which this policy belongs, to
another separate account. If this type of transfer is made, the term “separate account,” as used in the policy, shall then mean the separate account to which the assets were transferred. 
  

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 AV1359 101 208 707 

 SECTION 7 - CONTINUED 
 We also have the right, when permitted by law to 
  

	(a)	deregister the separate account under the Investment Company Act of 1940; 

  

	(b)	manage the separate account under the direction of a committee at any time; 

  

	(c)	restrict or eliminate any voting rights of policy owners or other persons who have voting rights as to the separate account; 

  

	(d)	combine the separate account with one or more other separate accounts; 

  

	(e)	create new separate accounts; 

  

	(f)	add new subaccounts to or remove existing subaccounts from the separate account, or combine subaccounts; and 

  

	(g)	add new underlying mutual funds, remove existing mutual funds, or substitute a new fund for an existing fund. 

 The net asset value of a fund share is the per-share value calculated by the mutual fund or, in the case of a managed separate account, by the company. The net asset
value is computed by adding the value of the subaccount’s investments, cash and other assets, subtracting its liabilities, and then dividing by the number of shares outstanding. Net asset values of fund shares reflect investment advisory fees
and other expenses incurred in managing a mutual fund or a managed separate account. 
 CHANGE IN INVESTMENT OBJECTIVE OR POLICY OF A MUTUAL FUND 

 If required by law or regulation, an investment policy of the separate account will only be changed if approved by the appropriate insurance official of
the state of Ohio or deemed approved in accordance with such law or regulation. If so required, the process for obtaining such approval is filed with the insurance official of the state or district in which this policy is delivered. 
 CHARGES AND DEDUCTIONS 
 The mortality and expense risk fee and the
administrative charge are each deducted daily both before and after the annuity commencement date. The service charge is deducted prior to the annuity commencement date only. If the mortality and expense risk fee is more than sufficient to cover our
expenses, we will retain the balance as profit or may reduce this fee in the future. 
 ACCUMULATION UNITS 
 The policy value in the separate account before the annuity commencement date is represented by accumulation units. The dollar value of accumulation units for each
subaccount will change from valuation period to valuation period reflecting the investment experience of the subaccount. Accumulation units shall be used to account for all amounts allocated to or withdrawn from a subaccount of the separate account
as a result of premium payments, partial withdrawals, transfers, or fees and charges. 
 Premium payments allocated to and any amounts transferred to the
subaccounts will be applied to provide accumulation units in those subaccounts. The number of accumulation units purchased in a subaccount will be determined by dividing the amount allocated to or transferred to that subaccount, by the value of an
accumulation unit for that subaccount on the premium payment or transfer date. 
 The number of accumulation units withdrawn or transferred from the
subaccounts will be determined by dividing the amount withdrawn or transferred by the value of an accumulation unit for that subaccount on the partial withdrawal or transfer date. 
 We set the initial accumulation unit value for each subaccount. Subsequent accumulation unit values for each subaccount are determined by multiplying the accumulation unit value for the immediately preceding valuation
period by the net investment factor of the subaccount for the current valuation period. 
 The net investment factor used to calculate the value of an
accumulation unit in each subaccount for the valuation period is determined by dividing (a) by (b) and subtracting (c) from the result, where: 
  

	(a)	is the result of: 

  

	 	(1)	the net asset value of a fund share held in that subaccount determined as of the end of the current valuation period; plus 

  

	 	(2)	the per share amount of any dividend or capital gain distributions made by the fund for shares held in that subaccount if the ex-dividend date occurs during the valuation period;
plus or minus 

  

	 	(3)	a per share credit or charge for any reservation for taxes which we determine to have resulted from the investment operations of that subaccount. 

  

	(b)	is the net asset value of a fund share held in that subaccount determined as of the end of the immediately preceding valuation period. 

  

	(c)	is a factor representing the mortality and expense risk fee and administrative charge before the annuity commencement date for each day since the last valuation period. This factor
is less than or equal to, on an annual basis, the percentage shown on the Policy Data Page of the daily net asset value of a fund share held in that subaccount. 

 Since the net investment factor may be greater or less than one, the accumulation unit value may increase or decrease. 
  

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 AV1359 101 208 707 

 SECTION 8 - FIXED ACCOUNT 
 FIXED ACCOUNT 
 The fixed account is comprised of guaranteed period options and dollar cost averaging fixed options
that we may choose to offer. Premium payments applied to and any amounts transferred to the fixed account will be credited with a fixed interest rate. The interest rates we set will be credited daily for increments of at least one year measured from
each premium payment or transfer date. These rates will never be less than the fixed account guaranteed minimum effective annual interest rate shown on Page 3. 
 Upon surrender, you will never receive less than the minimum required cash value, which is: 87.5% of premium payments allocated or transferred to the fixed account, less prior partial withdrawals and transfers from the fixed account, less a
$50 deduction at the beginning of each policy year, all accumulated at an interest rate of at least 1%. (Note, the $50 deduction does not affect your policy value, but is only used in computing the minimum required cash value.) The minimum required
cash value is a different amount than the fixed account cash value. Upon surrender, you will receive the larger of these two amounts. 
 We reserve the
right, at our sole discretion, to limit or refuse premium payments or transfers allocated to any of the fixed account options. 
 GUARANTEED PERIOD
OPTIONS 
 We may offer guaranteed period options in the fixed account, into which premium payments may be paid or amounts transferred. The current
interest rate we set for funds entering each guaranteed period option is guaranteed until the end of that option’s guaranteed period. At that time, the premium payment made or amount transferred into the guaranteed period option, less any
partial withdrawals or transfers from that guaranteed period option, plus accrued interest, must be transferred into a new guaranteed period option or may be transferred to any subaccount(s) within the separate account(s). 
 You may choose the investment option(s) you want the funds transferred into by giving us a written notice within 30 days before the end of the expiring guaranteed
period. However, any guaranteed period option elected may not extend beyond the latest annuity commencement date defined in Section 3. In the absence of such election, the funds will be transferred into a new guaranteed period option which has
the same guaranteed period as the expiring guaranteed period option unless that guaranteed period option is no longer offered. In that case, the funds will be transferred into the next shorter guaranteed period option available, or, if none, into
the next longer guaranteed period option available. We will mail you a notice of completion of the transfer with the new interest rate applicable. We will deem you to have accepted the new guaranteed period option if we do not receive a written
rejection from you within 30 days from the postmark date of the completion notice. We reserve the right, at our sole discretion, for new premium payments, or transfers, to offer or not to offer any guaranteed period option. If we do not offer a
guaranteed period option and we have not received directions from you in a form and manner acceptable to us, how the premium payments or funds transferred are to be allocated, the funds will be placed in a fixed account option at the lowest
crediting rate then applicable, or may be refused. 
 When funds are withdrawn or transferred from a guaranteed period option, the policy value associated
with the oldest premium payment or transfer in that guaranteed period option is considered to be withdrawn or transferred first. If the amount withdrawn or transferred exceeds the policy value associated with the oldest premium or transfer, the
policy value associated with the next oldest premium payment or transfer is considered to be withdrawn or transferred next, and so on until the policy value associated with the most recent premium payment or transfer is considered to be withdrawn or
transferred. 
 Partial withdrawals, surrenders, transfers (except those transfers made at the end of a guaranteed period option), and amounts applied to an
income option from a guaranteed period option are subject to a market value adjustment as described in Sections 5 and 6. 
 DOLLAR COST AVERAGING FIXED
ACCOUNT OPTION 
 We may offer one or more dollar cost averaging options in the fixed account separate from the guaranteed period options. The dollar cost
averaging fixed account options will have a one-year interest rate guarantee. The current interest rate we set for a dollar cost averaging fixed account option may differ from the rates credited on guaranteed period options. In addition, the current
interest rate we credit may vary on different dollar cost averaging fixed account options. The credited interest rate will never be less than the fixed account guaranteed minimum effective annual interest rate shown on Page 3. Dollar cost averaging
fixed account options will only be available under a dollar cost averaging program as described in Section 9. 
  

 Page 12 
  

 AV1359 101 208 707 

 SECTION 9 - TRANSFERS 
  

	A.	TRANSFERS BEFORE THE ANNUITY COMMENCEMENT DATE 

 Prior to the
annuity commencement date, you may transfer policy values from one investment option to another by notifying us in a form and manner acceptable to us. 
 Transfers of policy value from the guaranteed period options of the fixed account prior to the end of that guaranteed period option are subject to a market value adjustment. No market value adjustment will apply to policy value transfers at
the end of a guaranteed period option. 
 If the market value adjustment at the time of such policy value transfer results in a decrease in the funds
available to you, then the maximum policy value transfer is 25% of that guaranteed period option’s policy value, less policy values previously transferred out of that guaranteed period option during the current policy year. Each such transfer
must be separated by a period of 12 months. 
 If the market value adjustment at the time of such policy value transfer results in additional funds available
to you, no maximum will apply to such policy values transferred from the guaranteed period option. 
 Transfers of policy value from the separate account are
subject to a minimum of $500 or the entire subaccount’s policy value, if less. However, if the remaining subaccount’s policy value is less than $500, we reserve the right to include that amount as part of the transfer. 
 Transfers of interest credited in the guaranteed period options to other investment options are allowed on a “First-In, First-Out” basis. Such transfers may be
made monthly, quarterly, semi- annually, or annually. Each such transfer must be at least $50 and will not be subject to a market value adjustment. 
 You
may choose which guaranteed period option to transfer to or from, however, any guaranteed period option elected may not extend beyond the annuity commencement date defined in Section 3. 
 We reserve the right to limit transfers to no more than 12 in any one policy year. Any transfers in excess of 12 per policy year may be charged a $10 fee per
transfer. Transfers among multiple investment options will be treated as one transfer in determining the number of transfers that have occurred. We also reserve the right, in our sole discretion, to limit or refuse premium payments or transfers
allocated to any of the fixed account options. 
 Certain subaccounts are not designed for professional market timing organizations or other persons that use
programmed, large, or frequent transfers. The use of such transfers may be disruptive to an underlying portfolio. We reserve the right to reject any transfer request from any person in the interest of overall fund management or, if, in our judgment,
an underlying fund would be unable to invest effectively in accordance with its investment objectives and policies or would otherwise be potentially adversely affected or if an underlying fund would reject our purchase order. We also reserve the
right to revoke your telephone, fax, and electronic transfer privileges at any time without revoking all owners’ telephone, fax and electronic transfer privileges. 
 DOLLAR COST AVERAGING PROGRAM 
 Prior to the annuity commencement date, you may instruct us to automatically transfer
a specified amount from source accounts made available by us to any other subaccounts of the separate account. The automatic transfers can occur monthly or quarterly. You may change the subaccounts to which these transfers are allocated as permitted
by us from time to time. 
 Transfers will continue until the elected source account is depleted. The amount transferred each time must be at least $500. All
transfers from the source account will be level amounts followed by a smaller final transfer amount. Transfers must be scheduled for at least 6 months, but not more than 24 months or for at least 4 quarters, but not more than 8 quarters each time
the dollar cost averaging program is started or restarted following termination of the program for any reason. 
 Dollar cost averaging results in the
purchase of more accumulation units when the value of the accumulation unit is low, and fewer accumulation units when the value of the accumulation unit is high. However, there is no guarantee that the dollar cost averaging program will result in
higher policy values or will otherwise be successful. 
 Dollar cost averaging may be discontinued before its scheduled completion by sending written notice
to us. If dollar cost averaging is discontinued prior to the end of the scheduled period, all remaining funds in the dollar cost averaging fixed account will be transferred at that time. Unless we are notified otherwise the funds remaining in the
dollar cost averaging fixed account will be transferred to the subaccounts in the percentages currently indicated. While dollar cost averaging is in effect, asset rebalancing is not available. 
  

 Page 13 
  

 AV1359 101 208 707 

 SECTION 9 - CONTINUED 
 ASSET REBALANCING 
 Prior to the annuity commencement date, you may instruct us to automatically transfer amounts
among the subaccounts of the separate account on a regular basis to maintain a desired allocation of the policy value among the various subaccounts offered. Rebalancing will occur on a monthly, quarterly, semi-annual or annual basis, beginning on a
date selected by you. You must select the percentage of the policy value desired in each of the various subaccounts offered (totaling 100%). Any amounts in the fixed account are ignored for the purposes of asset rebalancing. Rebalancing can be
started, stopped, or changed at any time. Asset rebalancing is not available while dollar cost averaging is in effect. Rebalancing will cease as soon as we receive a request for any other transfer. 
  

	B.	TRANSFERS AFTER THE ANNUITY COMMENCEMENT DATE 

 After the annuity
commencement date, you may transfer policy values from one subaccount to another within the separate account or to the fixed account. If you want to transfer the value of the variable annuity units, you must notify us in a form and manner acceptable
to us. We reserve the right to limit transfers between the subaccounts or to the fixed accounts to once per policy year. 
 The minimum amount which may be
transferred is the lesser of $10 monthly income or the entire monthly income of the variable annuity units in the subaccount from which the transfer is being made. If the monthly income of the remaining units in a subaccount is less than $10, we
have the right to include the value of those variable annuity units as part of the transfer. 
 After the annuity commencement date, no transfers may be made
from the fixed account to any other investment options. 
 SECTION 10 - DEATH PROCEEDS 
  

	A.	DEATH PROCEEDS PRIOR TO ANNUITY COMMENCEMENT DATE 

 The amount of
death proceeds will be the greatest of (a), (b), (c) or (d) where: 
  

	(a)	is the policy value on the date we receive due proof of death and an election of a method of settlement; 

  

	(b)	is the cash value on the date we receive due proof of death and an election of a method of settlement; 

  

	(c)	is the minimum required cash value, applicable to the fixed account, plus the separate account policy value; and 

  

	(d)	is the guaranteed minimum death benefit, if any, plus any additional premium payments received, less any gross partial withdrawals, from the date of death to the date of payment of
death proceeds. 

 For purposes of this policy, proof of death means: 
  

	(a)	a certified copy of the death certificate, or; 

  

	(b)	a certified copy of a decree of a court of competent jurisdiction as to a finding of death, and; 

  

	(c)	any other proof or other documents required by us. 

 Where there are joint
annuitants, the death proceeds becomes payable only upon the death of the surviving annuitant, subject to the distribution requirements under Subsection C.II. below. 
 If you have not selected an income option by the date of death, the beneficiary may make such election within one year of the date we receive due proof of the owner’s or annuitant’s death as described in
Subsection C below. The beneficiary may elect to receive the death proceeds as a lump sum payment or may use the death proceeds to provide any of the income options described in Section 11. We will pay interest on death proceeds as required by
law. 
 We must distribute death proceeds or continue making payments under an income option under this annuity policy as required in Internal Revenue Code
Section 72(s). The requirements of Internal Revenue Code Section 72(s) will override any provision of this policy to the contrary. 
  

	B.	GUARANTEED MINIMUM DEATH BENEFIT 

 The amount of the guaranteed
minimum death benefit, if any, is based on the death benefit option shown on the Policy Data Page. The guaranteed minimum death benefit is only payable upon the annuitant’s death. You may not change the guaranteed minimum death benefit option
after we issue the policy. 
  

	C.	DEATH PRIOR TO ANNUITY COMMENCEMENT DATE 

 Payment of death proceeds
depends upon the relationships between the owner, annuitant, and beneficiary as outlined below. 
  

 Page 14 
  

 AV1359 101 208 707 

 SECTION 10 - CONTINUED 
 If there are surviving owners, the surviving owners automatically take the place of any beneficiary designation and are considered the beneficiary. 
  

	I.	Annuitant Death 

 When we have due proof that the
annuitant died before the annuity commencement date, the death proceeds are payable to the beneficiary. It’ no beneficiary is designated and there is no surviving owner, the owner’s estate will become the beneficiary. 
  

	 	a)	When the beneficiary is the deceased annuitant’s surviving spouse. The beneficiary may elect to continue this policy as owner and annuitant rather than receiving the
death proceeds. If the policy is continued, an amount equal to the excess, if any, of the guaranteed minimum death benefit over the policy value will then be added to the policy value pro rata according to the amount of policy value in each
investment option at that time. This is a one-time only policy value adjustment applied at the time the policy is continued, and the guaranteed minimum death benefit previously selected will continue on as applicable. 

 If the beneficiary elects to have the death proceeds paid rather than continue the policy, the death proceeds must be distributed pursuant to subsections
b)(l) and (2) below. 
  

	 	b)	When the beneficiary is an individual who is not the deceased annuitant’s surviving spouse. The death proceeds must be distributed: 

  

	 	(1)	by the end of 5 years after the date of the deceased annuitant’s death, or 

  

	 	(2)	payments must begin no later than one year after the deceased annuitant’s death and must be made for a period certain or for this beneficiary’s lifetime, so long as any
period certain does not exceed this beneficiary’s life expectancy. Election of this option must be made at least 60 days prior to the one year anniversary of the annuitant’s death. 

  

	 	c)	When the beneficiary is not a natural person. The death proceeds must be distributed within 5 years after the annuitant’s death. 

  

	II.	Owner Death 

 If the deceased owner is also the
annuitant, Subsection C.1. “Annuitant Death” above applies. 
 If an owner or joint owner who is not an annuitant dies prior to the
annuity commencement date and before the entire interest in the policy is distributed, the successor owner as defined below will become the new owner, and no death proceeds are payable. The person or entity first listed below who is alive or in
existence on the date of that death will become the successor owner 
 a) surviving owner; 
 b) primary beneficiary; 
 c) contingent
beneficiary; or 
 d) deceased owner’s estate. 
 The successor owner will need to take distributions according to a), b), or c) below: 
  

	 	a)	If the sole successor owner is the deceased owner’s spouse, we will continue this policy with the successor owner as the new owner. 

  

	 	b)	If the successor owner is an individual who is not the deceased owner’s spouse, the greater of the adjusted policy value or the minimum required cash value, applicable to the
fixed account, plus the separate account policy value must be distributed: 

  

	 	(1)	by the end of 5 years after the date of the deceased owner’s death, or 

  

	 	(2)	payments must begin no later than one year after the deceased owner’s death and must be made for a period certain or for the successor owner’s lifetime, so long as any
period certain does not exceed the successor owner’s life expectancy. Election of this option must be made at least 60 days prior to the one year anniversary of the deceased owner’s death. 

  

	 	c)	If the successor owner is not a natural person, the greater of the adjusted policy value or the minimum required cash value, applicable to the fixed account, must be distributed
within 5 years after the owner’s death. 

  

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 AV1359 101 208 707 

 SECTION 10 - CONTINUED 
  

	D.	DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE 

 The death proceeds
on or after the annuity commencement date depend on the payment option selected. If any owner dies on or after the annuity commencement date, but before the entire interest in the policy is distributed, the remaining portion of such interest in the
policy, if any, will be distributed to the beneficiary at least as rapidly as under the method of distribution being used as of the date of that death. 
  

	E.	AN OWNER IS NOT AN INDIVIDUAL 

 If any owner is not an individual,
then for purposes of the provisions in subsection C or D above, (1) the primary annuitant will be treated as the owner of the policy, and (2) the death of, or any change in, the primary annuitant, will be treated as the death of the owner.

 SECTION 11 - INCOME OPTIONS 
  

	A.	GENERAL PAYMENT PROVISIONS 

 Payment 
 If this policy is in force on the annuity commencement date, we will use the fixed account portion of the adjusted policy value or the minimum required cash value,
applicable to the fixed account, if greater and/or the separate account policy value, to make payments to the payee under fixed income option 2, with 10 years certain, or if elected, under one or more of the other income options described in this
section, or any other method of payment if we agree. However, the income option elected must provide for lifetime income or income for a period of at least 60 months. You will become the annuitant at the annuity commencement date, unless the owner
is not a natural person. Payments will be made at 1, 3, 6 or 12-month intervals. We reserve the right to change the frequency of payments to avoid making payments of less than $50. 
 Before the annuity commencement date, if the death proceeds become payable or if you surrender this policy, we will pay any proceeds in one sum, or if elected, all or part of these proceeds may be applied to one or
more of the income options described in this section. 
 Adjusted Age 
 Payments under fixed income options 2 and 4 and the first payment under variable income options 3-V and 5-V are determined based on the adjusted age of the annuitant. The adjusted age is the annuitant’s actual
age on the annuitant’s nearest birthday, at the annuity commencement date, adjusted as follows: 
  

			
	 Annuity
 Commencement Date
	  	 Adjusted Age

	 Before 2010
	  	Actual Age
	 2010 - 2019
	  	Actual Age Minus 1
	 2020 - 2026
	  	Actual Age Minus 2
	 2027 - 2033
	  	Actual Age Minus 3
	 2034 - 2040
	  	Actual Age Minus 4
	 After 2040
	  	Determined by us

 Election of Optional Method of Payment 
 Before the annuity commencement date, you can elect or change an income option. You may elect, in a notice in a form and manner acceptable to us, income options that may be either variable, fixed, or a combination of
both. If you elect a combination, you must also tell us what part of the adjusted policy value or the minimum required cash value, applicable to the fixed account, plus the separate account policy value if greater, on the annuity commencement date
are to be applied to provide each type of payment. (You must also specify which subaccounts.) The amount of a combined payment will be the sum of the variable and fixed payments. Payments under a variable income option will reflect the investment
performance of the selected subaccount(s) of the separate account. 
 Payee 
 Unless you specify otherwise, the payee shall be the annuitant, or the beneficiary as described in Section 3. 
 In the
event of the death of a payee who is not the annuitant prior to the end of payments pursuant to the terms of the income option chosen, payments will be continued to the beneficiary or their present value may be paid in a single sum. 
 Proof of Age 
 We may require proof of the age of any person who
elects income options 2, 3-V, 4 and 5-V of this section before we make the first payment. 
 Minimum Proceeds 
 If the proceeds are less than $2,000, we will pay the proceeds as a lump sum instead of applying them to an income option. 
 Premium Tax 
 We may be required by law to pay premium tax on the
amount applied to an income option. If so, we will deduct the premium tax before applying the proceeds. 
 Supplementary Contract 
 Once proceeds become payable and an income option has been selected, we will issue a supplementary contract to reflect the terms of the selected income option. The
supplemental contract will name the payee(s) and will describe the payment schedule. 
  

 Page 16 
  

 AV1359 101 208 707 

	B.	FIXED INCOME OPTIONS 

 Guaranteed Income Options 

The amount of the fixed payment is determined by multiplying each $1,000 of policy proceeds allocated to fixed income option 1, 2, or 4 by the amounts shown on page 20
for the option you select. Income options 1 and 3 are based on the guaranteed interest rate shown on page 20. Income options 2 and 4 are based on the guaranteed interest rate shown on page 20 and the “Annuity 2000” (male, female, and
unisex if required by law) mortality table projected for improvement using projection scale G. 
 Fixed Income Option 1 - Income for a Specified Period

 We will make level payments only for the specific period you choose. The specified period may not exceed your life expectancy. No funds will remain at
the end of the specified period. 
 Fixed Income Option 2 - Life Income 
 You may choose between: 
  

	(a)	No Period Certain - We will make level payments only during the annuitant’s lifetime. 

  

	(b)	10 Years Certain - We will make level payments for the longer of the annuitant’s lifetime or ten years. 

  

	(c)	Guaranteed Return of Policy Proceeds - We will make level payments for the longer of the annuitant’s lifetime or until the total dollar amount of payments equals the
amount applied to this option. 

  

	(d)	Life with Emergency Cash (SM) - We will make level payments during the annuitant’s lifetime, but the annuity may be surrendered (in full or part). The cash value is
equal to a multiple of the payment where that multiple reduces over time to zero at age 101. We will apply a surrender charge. Should the annuitant die before age 101 (or, for qualified policies, the applicable age based on IRS Life Expectancy
table(s) if earlier), the same cash value would be payable, but without the surrender charge. 

 Fixed income options 2(a) and 2(d) are not
available for annuitant adjusted age(s) greater than 85. 
 Fixed Income Option 3 - Income of a Specified Amount 
 We will make payments for any specified amount you choose until the amount applied to this option, with interest, is exhausted. The duration of the payments may not
exceed the annuitant’s life expectancy. This will be a series of level payments followed by a smaller final payment. 
 Fixed Income Option 4 - Joint
and Survivor Annuity 
 You may choose between: 
  

	(a)	No Period Certain - We will make payments during the joint lifetime of the annuitant and a joint annuitant of your choosing. We will make payments as long as either person is
living. 

  

	(b)	Life with Emergency Cash (SM) - We will make level payments during the joint lifetime of the annuitant and a joint annuitant of your choosing. We will make payments as long
as either person is living, but the annuity may be surrendered (in full or part). The cash value is equal to a multiple of the payment, where that multiple reduces over time to zero at age 101 of the younger annuitant. We will apply a surrender
charge. Should the last surviving annuitant die before age 101 (or, for qualified policies, the applicable age based on IRS Life Expectancy table(s) if earlier), the same cash value would be payable, but without the surrender charge.

 Income options 4(a) and 4(b) are not available for annuitant adjusted age(s) greater than 85. 
 Current Income Options 
 The amounts shown in the tables on page 20
are the guaranteed amounts. You may obtain current amounts we offer to individuals of the same class, subject to availability as described under “guaranteed income options” above. 
  

 Page 17 
  

 AV1359 101 208 707 

	C.	VARIABLE INCOME OPTIONS 

 Variable Annuity Units 

We will use the adjusted policy value or the minimum required cash value, applicable to the fixed account plus the separate account policy value, if greater, you tell
us to apply to a variable income option to purchase variable annuity units in your chosen subaccounts. The dollar value of variable annuity units in your chosen subaccounts will increase or decrease reflecting the investment experience of your
chosen subaccounts. The value of a variable annuity unit in a particular subaccount on any business day is equal to (a) multiplied by (b) multiplied by (c), where: 
  

	(a)	is the variable annuity unit value for that subaccount on the immediately preceding business day; 

  

	(b)	is the net investment factor for that subaccount for the valuation period; and 

  

	(c)	is the assumed investment return adjustment factor for the valuation period. 

 The assumed investment return adjustment factor for the valuation period is the product of daily discount factors which reflect the effective annual assumed investment return shown on page 22. 
 The net investment factor used to calculate the value of a variable annuity unit in each subaccount for the valuation period is determined by dividing (a) by
(b) and subtracting (c) from the result, where: 
  

	(a)	is the net result of: 

  

	 	(1)	the net asset value of a fund share held in that subaccount determined as of the end of the current valuation period; plus 

  

	 	(2)	the per share amount of any dividend or capital gain distributions made by the fund for shares held in that subaccount if the ex-dividend date occurs during the valuation period;
plus or minus 

  

	 	(3)	a per share credit or charge for any taxes reserved for, which we determine to have resulted from the investment operations of the subaccount. 

  

	(b)	is the net asset value of a fund share held in that subaccount determined as of the end of the immediately preceding valuation period. 

  

	(c)	is a factor representing the mortality and expense risk fee and administrative charge applicable after the annuity commencement date. This factor is less than or equal to, on an
annual basis, the percentage shown on the Policy Data Page, plus any additional fee applicable to the initial payment guarantee of the daily net asset value of a fund share held in the separate account for that subaccount. 

Determination of the First Variable Payment 
 The amount of the
first variable payment is determined by multiplying each $1,000 of adjusted policy value allocated to a variable income option by the amounts shown on the variable income option table for the variable income option you select. The tables are based
on the effective annual assumed investment return shown on page 22 and the “Annuity 2000” (male, female, and unisex if required by law) mortality table projected for improvement using projection scale G. 
 Variable Income Option 3-V - Life Income 
 You may choose between:

  

	(a)	No Period Certain - We will make payments during the lifetime of the annuitant. 

  

	(b)	10 Years Certain - We will make payments for the longer of the annuitant’s lifetime or ten years. 

  

	(c)	Life with Emergency Cash (SM) - We will make payments during the annuitant’s lifetime, but the annuity may be surrendered (in full or part). The cash value is equal to a
multiple of the supportable payment (see definition below), where that multiple reduces over time to zero at age 101. We will apply a surrender charge. Should the annuitant die before age 101 (or, for qualified policies, the applicable age based on
IRS Life Expectancy table(s) if earlier), the same cash value would be payable, but without the surrender charge. 

 Variable income options
3-V(a) and 3-V(c) are not available for adjusted age(s) greater than 85. 
  

 Page 18 
  

 AV1359 101 208 707 

 SECTION 11 - CONTINUED 
 Variable Income Option 5-V - Joint and Survivor Annuity 
 You may choose between: 
  

	(a)	No Period Certain - We will make payments as long as either the annuitant or the joint annuitant is living. 

  

	(b)	Life with Emergency Cash (SM) - We will make payments during the joint lifetime of the annuitant and a joint annuitant of your selection. Payments will be made as long as
either person is living, but the annuity may be surrendered (in full or part). The cash value is equal to a multiple of the supportable payment (see definition below), where that multiple reduces over time to zero at age 101 of the younger
annuitant. We will apply a surrender charge. Should the last surviving annuitant die before age 101 (or, for qualified policies, the applicable age based on IRS Life Expectancy table(s) if earlier), the same cash value would be payable, but without
the surrender charge. 

 Variable income options 5-V(a) and 5-V(b) are not available for annuitant adjusted age(s) greater than 85. 

Initial Payment Guarantee 
 At the time you annuitize, you may
elect an initial payment guarantee under which we guarantee your variable annuity payments will never be less than a percentage of the initial variable annuity payment. You cannot terminate the initial payment guarantee after you have elected it.
The percentage applicable to the initial payment and the additional tee for this option will be those currently applicable at the time of annuitization. 
 Supportable Payment 
 The supportable payment is the sum of each selected subaccount’s variable annuity unit value times the number of
variable annuity units. The variable annuity units are adjusted to reflect the year-to-date difference between the stabilized payment and the payment had they not been stabilized. Supportable payments are used to determine surrender values, death
benefits and transfers. 
 Determination of Subsequent Variable Payments Without Stabilization 
 The number of variable annuity units in each selected subaccount is determined by dividing the first variable annuity payment allocated to the subaccount by the variable
annuity unit value of that subaccount on the annuity commencement date. The amount of each variable annuity payment after the first payment will increase or decrease according to the value of the variable annuity units which reflect the investment
experience of the selected subaccounts. Each variable annuity payment after the first payment will be equal to the number of variable annuity units in the selected subaccounts multiplied by the variable annuity unit value on the date the payment is
made. 
 Determination of Subsequent Variable Payments With Stabilization 
 If “life with emergency cash” is chosen (variable income option 3-V(c) or 5-V(b)), or if the initial payment guarantee is chosen, variable annuity payments during the first year following the annuity
commencement date will be stabilized to equal the initial payment. On each anniversary of the annuity commencement date, the stabilized variable annuity payment will be increased or decreased (but never below the guaranteed payment if the initial
payment guarantee is chosen) and held level for that year. On each anniversary of the annuity commencement date, the stabilized variable annuity payment will equal the supportable payment at that time (or if the initial payment guarantee is chosen,
the stabilized variable payment will equal the greater of the guaranteed payment or the supportable payment at that time). 
 If the payment without
stabilization (at any payment date during the year) is greater than the stabilized variable annuity payment for that year, the excess will be used to purchase additional annuity units (as described below). If the payment without stabilization (at
any payment date during the year) is less than the stabilized variable annuity payment for that year, annuity units will be redeemed (as described below) to fund the deficiency. 
 Purchase/Redemption of Annuity Units with Stabilized Variable Annuity Payments 
 The number of annuity units purchased
or redeemed is equal to the annuity income purchased or redeemed, respectively, divided by the annuity unit value for each respective subaccount. Purchases and redemptions of annuity income will be allocated to each subaccount on a proportionate
basis. The amount of annuity income purchased or redeemed is the difference between the payment without stabilization during that year and the stabilized variable annuity payment, times an attained adjusted age nearest birthday payment factor
divided by $1,000. The payment factor will reflect any remaining guaranteed payments, if any, and is determined using the same assumptions for mortality and interest as the payment factors listed in this policy for variable income options 3-V and
5-V. 
  

 Page 19 
  

 AV1359 101 208 707 

 GUARANTEED FIXED INCOME OPTIONS ** 
 The amounts shown in these tables are the guaranteed amounts for each 1,000 of the proceeds. Higher current amounts may be available at the time of settlement. 
  

																																									
	Option 1, Table I	 	 	 	Option 2, Table II	 	Option 2, Table III	 	Option 2, Table IV	 	Option 2, Table V
	 Number
of
 Years
Payable
	 	Monthly
Installment	 	 	 	Monthly Installment
For Life No Period
Certain	 	Amount of Monthly
Installment For Life
10 Years Certain	 	Monthly Installment
For Life Guaranteed
Return of Policy Proceeds	 	Monthly Installment
For Life With
Emergency Cash (SM)
	 	 	 	 	Age*	 	Male	 	Female	 	Unisex	 	Male	 	Female	 	Unisex	 	Male	 	Female	 	Unisex	 	Male	 	Female	 	Unisex
		 		 	50	 	$	2.97	 	$	2.86	 	$	2.90	 	$	2.96	 	$	2.86	 	$	2.89	 	$	2.79	 	$	2.74	 	$	2.76	 	$	2.69	 	$	2.66	 	$	2.67
		 		 	51	 	 	3.04	 	 	2.92	 	 	2.96	 	 	3.02	 	 	2.91	 	 	2.94	 	 	2.84	 	 	2.79	 	 	2.80	 	 	2.74	 	 	2.70	 	 	2.72
		 		 	52	 	 	3.10	 	 	2.98	 	 	3.02	 	 	3.08	 	 	2.97	 	 	3.01	 	 	2.89	 	 	2.84	 	 	2.85	 	 	2.79	 	 	2.75	 	 	2.76
		 		 	53	 	 	3.18	 	 	3.05	 	 	3.09	 	 	3.15	 	 	3.03	 	 	3.07	 	 	2.94	 	 	2.89	 	 	2.90	 	 	2.84	 	 	2.80	 	 	2.81
	5	 	17.28	 	54	 	 	3.25	 	 	3.11	 	 	3.15	 	 	3.22	 	 	3.10	 	 	3.14	 	 	3.00	 	 	2.94	 	 	2.96	 	 	2.89	 	 	2.85	 	 	2.86
	6	 	14.51	 	55	 	 	3.33	 	 	3.18	 	 	3.23	 	 	3.30	 	 	3.17	 	 	3.21	 	 	3.06	 	 	3.00	 	 	3.02	 	 	2.94	 	 	2.90	 	 	2.91
	7	 	12.53	 	56	 	 	3.41	 	 	3.26	 	 	3.30	 	 	3.38	 	 	3.24	 	 	3.28	 	 	3.12	 	 	3.06	 	 	3.07	 	 	3.00	 	 	2.96	 	 	2.97
	8	 	11.04	 	57	 	 	3.50	 	 	3.34	 	 	3.39	 	 	3.46	 	 	3.32	 	 	3.36	 	 	3.18	 	 	3.12	 	 	3.14	 	 	3.06	 	 	3.01	 	 	3.03
	9	 	9.89	 	58	 	 	3.60	 	 	3.42	 	 	3.47	 	 	3.55	 	 	3.39	 	 	3.44	 	 	3.25	 	 	3.18	 	 	3.20	 	 	3.12	 	 	3.07	 	 	3.08
	10	 	8.96	 	59	 	 	3.69	 	 	3.51	 	 	3.56	 	 	3.65	 	 	3.48	 	 	3.53	 	 	3.32	 	 	3.25	 	 	3.27	 	 	3.18	 	 	3.13	 	 	3.15
	11	 	8.21	 	60	 	 	3.80	 	 	3.60	 	 	3.66	 	 	3.75	 	 	3.57	 	 	3.62	 	 	3.39	 	 	3.32	 	 	3.34	 	 	3.25	 	 	3.20	 	 	3.21
	12	 	7.58	 	61	 	 	3.91	 	 	3.70	 	 	3.76	 	 	3.85	 	 	3.66	 	 	3.72	 	 	3.46	 	 	3.39	 	 	3.41	 	 	3.32	 	 	3.27	 	 	3.28
	13	 	7.05	 	62	 	 	4.03	 	 	3.81	 	 	3.87	 	 	3.96	 	 	3.76	 	 	3.82	 	 	3.54	 	 	3.47	 	 	3.49	 	 	3.39	 	 	3.34	 	 	3.35
	14	 	6.59	 	63	 	 	4.16	 	 	3.92	 	 	3.99	 	 	4.07	 	 	3.87	 	 	3.93	 	 	3.63	 	 	3.55	 	 	3.57	 	 	3.47	 	 	3.41	 	 	3.43
	15	 	6.20	 	64	 	 	4.30	 	 	4.04	 	 	4.12	 	 	4.20	 	 	3.98	 	 	4.04	 	 	3.72	 	 	3.63	 	 	3.66	 	 	3.55	 	 	3.49	 	 	3.51
	16	 	5.85	 	65	 	 	4.45	 	 	4.16	 	 	4.25	 	 	4.32	 	 	4.09	 	 	4.16	 	 	3.81	 	 	3.72	 	 	3.75	 	 	3.63	 	 	3.57	 	 	3.59
	17	 	5.55	 	66	 	 	4.60	 	 	4.30	 	 	4.39	 	 	4.46	 	 	4.22	 	 	4.29	 	 	3.91	 	 	3.81	 	 	3.84	 	 	3.72	 	 	3.66	 	 	3.68
	18	 	5.27	 	67	 	 	4.77	 	 	4.45	 	 	4.54	 	 	4.60	 	 	4.35	 	 	4.42	 	 	4.01	 	 	3.91	 	 	3.94	 	 	3.81	 	 	3.75	 	 	3.77
	19	 	5.03	 	68	 	 	4.95	 	 	4.60	 	 	4.71	 	 	4.75	 	 	4.49	 	 	4.57	 	 	4.11	 	 	4.01	 	 	4.04	 	 	3.90	 	 	3.85	 	 	3.86
	20	 	4.81	 	69	 	 	5.14	 	 	4.77	 	 	4.88	 	 	4.90	 	 	4.64	 	 	4.71	 	 	4.23	 	 	4.12	 	 	4.15	 	 	4.01	 	 	3.95	 	 	3.96
		 		 	70	 	 	5.34	 	 	4.95	 	 	5.07	 	 	5.06	 	 	4.79	 	 	4.87	 	 	4.34	 	 	4.24	 	 	4.27	 	 	4.11	 	 	4.05	 	 	4.07
		 		 	71	 	 	5.56	 	 	5.15	 	 	5.27	 	 	5.22	 	 	4.95	 	 	5.03	 	 	4.47	 	 	4.36	 	 	4.39	 	 	4.22	 	 	4.17	 	 	4.18
		 		 	72	 	 	5.79	 	 	5.36	 	 	5.49	 	 	5.39	 	 	5.12	 	 	5.20	 	 	4.60	 	 	4.49	 	 	4.52	 	 	4.34	 	 	4.29	 	 	4.30
		 		 	73	 	 	6.03	 	 	5.59	 	 	5.72	 	 	5.56	 	 	5.30	 	 	5.38	 	 	4.73	 	 	4.62	 	 	4.66	 	 	4.46	 	 	4.40	 	 	4.42
		 		 	74	 	 	6.30	 	 	5.83	 	 	5.97	 	 	5.74	 	 	5.49	 	 	5.57	 	 	4.88	 	 	4.77	 	 	4.80	 	 	4.59	 	 	4.54	 	 	4.55
		 		 	75	 	 	6.58	 	 	6.10	 	 	6.24	 	 	5.93	 	 	5.68	 	 	5.76	 	 	5.03	 	 	4.92	 	 	4.95	 	 	4.72	 	 	4.67	 	 	4.69
		 		 	76	 	 	6.88	 	 	6.39	 	 	6.53	 	 	6.11	 	 	5.88	 	 	5.95	 	 	5.18	 	 	5.08	 	 	5.11	 	 	4.85	 	 	4.81	 	 	4.82
		 		 	77	 	 	7.20	 	 	6.70	 	 	6.85	 	 	6.30	 	 	6.09	 	 	6.15	 	 	5.35	 	 	5.25	 	 	5.28	 	 	5.00	 	 	4.96	 	 	4.97
		 		 	78	 	 	7.55	 	 	7.03	 	 	7.19	 	 	6.49	 	 	6.30	 	 	6.36	 	 	5.53	 	 	5.43	 	 	5.46	 	 	5.15	 	 	5.12	 	 	5.12
		 		 	79	 	 	7.92	 	 	7.40	 	 	7.55	 	 	6.68	 	 	6.51	 	 	6.56	 	 	5.71	 	 	5.61	 	 	5.64	 	 	5.31	 	 	5.28	 	 	5.29
		 		 	80	 	 	8.32	 	 	7.79	 	 	7.95	 	 	6.87	 	 	6.72	 	 	6.77	 	 	5.90	 	 	5.81	 	 	5.84	 	 	5.48	 	 	5.45	 	 	5.46
		 		 	81	 	 	8.75	 	 	8.22	 	 	8.38	 	 	7.06	 	 	6.93	 	 	6.97	 	 	6.11	 	 	6.02	 	 	6.05	 	 	5.67	 	 	5.64	 	 	5.64
		 		 	82	 	 	9.20	 	 	8.69	 	 	8.84	 	 	7.24	 	 	7.13	 	 	7.16	 	 	6.32	 	 	6.24	 	 	6.27	 	 	5.84	 	 	5.83	 	 	5.84
		 		 	83	 	 	9.69	 	 	9.19	 	 	9.34	 	 	7.41	 	 	7.33	 	 	7.36	 	 	6.55	 	 	6.48	 	 	6.50	 	 	6.05	 	 	6.04	 	 	6.04
		 		 	84	 	 	10.21	 	 	9.74	 	 	9.88	 	 	7.58	 	 	7.52	 	 	7.54	 	 	6.78	 	 	6.72	 	 	6.74	 	 	6.24	 	 	6.24	 	 	6.24
		 		 	85	 	 	10.77	 	 	10.33	 	 	10.46	 	 	7.74	 	 	7.69	 	 	7.71	 	 	7.03	 	 	6.98	 	 	7.00	 	 	6.48	 	 	6.48	 	 	6.48
		 		 	86	 			 			 			 	 	7.89	 	 	7.86	 	 	7.87	 	 	7.29	 	 	7.26	 	 	7.27	 			 			 		
		 		 	87	 			 			 			 	 	8.03	 	 	8.01	 	 	8.01	 	 	7.57	 	 	7.54	 	 	7.55	 			 			 		
		 		 	88	 			 			 			 	 	8.16	 	 	8.15	 	 	8.15	 	 	7.86	 	 	7.84	 	 	7.85	 			 			 		
		 		 	89	 			 			 			 	 	8.28	 	 	8.27	 	 	8.27	 	 	8.17	 	 	8.15	 	 	8.16	 			 			 		
		 		 	90	 			 			 			 	 	8.38	 	 	8.38	 	 	8.38	 	 	8.49	 	 	8.48	 	 	8.48	 			 			 		
		 		 	91	 			 			 			 	 	8.48	 	 	8.48	 	 	8.48	 	 	8.83	 	 	8.82	 	 	8.83	 			 			 		
		 		 	92	 			 			 			 	 	8.57	 	 	8.57	 	 	8.57	 	 	9.19	 	 	9.18	 	 	9.19	 			 			 		
		 		 	93	 			 			 			 	 	8.65	 	 	8.64	 	 	8.65	 	 	9.58	 	 	9.56	 	 	9.57	 			 			 		
		 		 	94	 			 			 			 	 	8.72	 	 	8.71	 	 	8.71	 	 	10.00	 	 	9.97	 	 	9.98	 			 			 		
		 		 	95	 			 			 			 	 	8.78	 	 	8.77	 	 	8.77	 	 	10.45	 	 	10.40	 	 	10.42	 			 			 		
		 		 	96	 			 			 			 	 	8.83	 	 	8.82	 	 	8.82	 	 	10.94	 	 	10.87	 	 	10.89	 			 			 		
		 		 	97	 			 			 			 	 	8.87	 	 	8.86	 	 	8.86	 	 	11.48	 	 	11.38	 	 	11.41	 			 			 		
		 		 	98	 			 			 			 	 	8.90	 	 	8.90	 	 	8.90	 	 	12.07	 	 	11.95	 	 	11.99	 			 			 		

	*	Adjusted age as defined in Section 11.A. 

	**	The guaranteed fixed income amounts are based on a guaranteed interest rate of 1.5%. 

 Dollar amounts of monthly, quarterly, semi-annual and annual installments not shown in the above tables will be calculated on the same basis as those shown and may be obtained from the company (if the option is
available based on adjusted age as described in Section 11). 
  

 Page 20 
  

 AV1359 101 208 707 

 Fixed Income Option 4, Table VI 
 Monthly Installment For Joint and Full Survivor 
  

																						
	 Adjusted Age
of
 Male
Annuitant*
	  	Adjusted Age of Female Annuitant*
	  	15 Years
Less Than
Male	  	12 Years
Less Than
Male	  	9 Years
Less Than
Male	  	6 Years
Less Than
Male	  	3 Years
Less Than
Male	  	Same As
Male	  	3 Years
More Than
Male
	50	  	$	2.20	  	$	2.27	  	$	2.34	  	$	2.41	  	$	2.48	  	$	2.55	  	$	2.62
	55	  	 	2.35	  	 	2.44	  	 	2.52	  	 	2.61	  	 	2.71	  	 	2.80	  	 	2.88
	60	  	 	2.54	  	 	2.64	  	 	2.76	  	 	2.88	  	 	2.99	  	 	3.11	  	 	3.23
	65	  	 	2.77	  	 	2.91	  	 	3.06	  	 	3.22	  	 	3.38	  	 	3.54	  	 	3.69
	70	  	 	3.08	  	 	3.26	  	 	3.46	  	 	3.67	  	 	3.89	  	 	4.11	  	 	4,33
	75	  	 	3.47	  	 	3.72	  	 	3.99	  	 	4.29	  	 	4.60	  	 	4.93	  	 	5.24
	80	  	 	4.01	  	 	4.35	  	 	4.74	  	 	5.17	  	 	5.62	  	 	6.08	  	 	6.53
	85	  	 	4.75	  	 	5.25	  	 	5.81	  	 	6.44	  	 	7.09	  	 	7.75	  	 	8.36

 Monthly Installment For Unisex Joint and Full Survivor 
  

																						
	 Adjusted Age
of
 First
Annuitant*
	  	Adjusted Age of Joint Annuitant*
	  	15 Years
Less Than
First	  	12 Years
Less Than
First	  	9 Years
Less Than
First	  	6 Years
Less Than
First	  	3 Years
Less Than
First	  	Same As
First	  	3 Years
More Than
First
	50	  	$	2.20	  	$	2.27	  	$	2.34	  	$	2.41	  	$	2.48	  	$	2.55	  	$	2.61
	55	  	 	2.36	  	 	2.44	  	 	2.53	  	 	2.62	  	 	2.70	  	 	2.79	  	 	2.87
	60	  	 	2.55	  	 	2.65	  	 	2.76	  	 	2.88	  	 	2.99	  	 	3.10	  	 	3.20
	65	  	 	2.79	  	 	2.92	  	 	3.07	  	 	3.22	  	 	3.37	  	 	3.52	  	 	3.66
	70	  	 	3.10	  	 	3.28	  	 	3.47	  	 	3.67	  	 	3.88	  	 	4.09	  	 	4.28
	75	  	 	3.50	  	 	3.75	  	 	4.02	  	 	4.30	  	 	4.60	  	 	4.89	  	 	5.16
	80	  	 	4.06	  	 	4.40	  	 	4.78	  	 	5.19	  	 	5.62	  	 	6.04	  	 	6.44
	85	  	 	4.83	  	 	5.32	  	 	5.87	  	 	6.47	  	 	7.10	  	 	7.71	  	 	8.28

 Fixed Income Option 4, Table VII 
 Monthly Installment For Joint and Full Survivor (Life with Emergency Cash (SM)) 
  

																						
	 Adjusted Age
of
 Male
Annuitant*
	  	Adjusted Age of Joint Annuitant*
	  	15 Years
Less Than
Male	  	12 Years
Less Than
Male	  	9 Years
Less Than
Male	  	6 Years
Less Than
Male	  	 3 Years
Less Than
 Male
	  	Same As
Male	  	3 Years
More Than
Male
	50	  	$	2.15	  	$	2.21	  	$	2.28	  	$	2.35	  	$	2.42	  	$	2.49	  	$	2.54
	55	  	 	2.28	  	 	2.36	  	 	2.45	  	 	2.53	  	 	2.62	  	 	2.70	  	 	2.77
	60	  	 	2.45	  	 	2.54	  	 	2.65	  	 	2.76	  	 	2.87	  	 	2.97	  	 	3.06
	65	  	 	2.64	  	 	2.77	  	 	2.90	  	 	3.04	  	 	3.18	  	 	3.31	  	 	3.42
	70	  	 	2.89	  	 	3.04	  	 	3.21	  	 	3.39	  	 	3.57	  	 	3.75	  	 	3.89
	75	  	 	3.19	  	 	3.39	  	 	3.61	  	 	3.84	  	 	4.08	  	 	4.30	  	 	4.47
	80	  	 	3.57	  	 	3.83	  	 	4.12	  	 	4.42	  	 	4.73	  	 	5.02	  	 	5.23
	S5	  	 	4.06	  	 	4.41	  	 	4.78	  	 	5.17	  	 	5.57	  	 	5.98	  	 	6.23

 Monthly Installment For Unisex Joint and Full Survivor (Life with Emergency Cash (SM)) 

 

																						
	 Adjusted Age
of
 First
Annuitant*
	  	Adjusted Age of Joint Annuitant*
	  	15 Years
Less Than
First	  	12 Years
Less Than
First	  	9 Years
Less Than
First	  	6 Years
Less Than
First	  	3 Years
Less Than
First	  	Same As
First	  	3 Years
More Than
First
	50	  	$	2.15	  	$	2.22	  	$	2.28	  	$	2.35	  	$	2.42	  	$	2.49	  	$	2.54
	55	  	 	2.29	  	 	2.37	  	 	2.45	  	 	2.53	  	 	2.62	  	 	2.70	  	 	2.76
	60	  	 	2.45	  	 	2.55	  	 	2.65	  	 	2.76	  	 	2.87	  	 	2.97	  	 	3.05
	65	  	 	2.65	  	 	2.78	  	 	2.91	  	 	3.04	  	 	3.18	  	 	3.31	  	 	3.40
	70	  	 	2.90	  	 	3.06	  	 	3.22	  	 	3.40	  	 	3.57	  	 	3.74	  	 	3.86
	75	  	 	3.21	  	 	3.41	  	 	3.62	  	 	3.86	  	 	4.08	  	 	4.29	  	 	4.45
	80	  	 	3.60	  	 	3.86	  	 	4.14	  	 	4.44	  	 	4.73	  	 	5.02	  	 	5.21
	85	  	 	4.08	  	 	4.43	  	 	4.80	  	 	5.18	  	 	5.58	  	 	5.97	  	 	6.21

	*	Adjusted age as defined in Section 11 .A. 

 Dollar amounts of
monthly, quarterly, semi-annual, and annual installments not shown in the above tables will be calculated on the same basis as those shown and may be obtained from the company (if the option is available based on adjusted age as described in
Section 11). 
  

 Page 21 
  

 AV1359 101 208 707 

 VARIABLE INCOME OPTIONS 
 BASED ON ASSUMED INVESTMENT RETURN ** 
 The amounts shown in these tables are the
initial payment amounts based on a 5.0% assumed 
 investment return for each $1,000 of the proceeds. 
  

																												
	Age*	 	Option 3 - V, Table II	 	Option 3 - V, Table III	 	Option 3 - V, Table IV
	 	 Monthly Installment for Life
 No Period Certain
	 	 Monthly Installment for Life
 10 Years Certain
	 	Monthly Installment for Life
With Emergency Cash (SM)
	 	Male	 	Female	 	Unisex	 	Male	 	Female	 	Unisex	 	Male	 	Female	 	Unisex
	50	 	$	5.07	 	$	4.93	 	$	4.98	 	$	5.04	 	$	4.92	 	$	4.95	 	$	4.83	 	$	4.76	 	$	4.78
	51	 	 	5.13	 	 	4.99	 	 	5.03	 	 	5.09	 	 	4.96	 	 	5.00	 	 	4.87	 	 	4.80	 	 	4.82
	52	 	 	5.19	 	 	5.04	 	 	5.08	 	 	5.15	 	 	5.01	 	 	5.05	 	 	4.92	 	 	4.84	 	 	4.86
	53	 	 	5.26	 	 	5.10	 	 	5.14	 	 	5.21	 	 	5.07	 	 	5.11	 	 	4.96	 	 	4.88	 	 	4.91
	54	 	 	5.33	 	 	5.16	 	 	5.21	 	 	5.27	 	 	5.12	 	 	5.17	 	 	5.01	 	 	4.93	 	 	4.95
	55	 	 	5.40	 	 	5.22	 	 	5.27	 	 	5.34	 	 	5.18	 	 	5.23	 	 	5.06	 	 	4.98	 	 	5.00
	56	 	 	5.48	 	 	5.29	 	 	5.35	 	 	5.41	 	 	5.25	 	 	5.30	 	 	5.12	 	 	5.03	 	 	5.05
	57	 	 	5.57	 	 	5.36	 	 	5.42	 	 	5.49	 	 	5.32	 	 	5.37	 	 	5.18	 	 	5.08	 	 	5.11
	58	 	 	5.66	 	 	5.44	 	 	5.50	 	 	5.57	 	 	5.39	 	 	5.44	 	 	5.24	 	 	5.14	 	 	5.17
	59	 	 	5.75	 	 	5.52	 	 	5.59	 	 	5.66	 	 	5.47	 	 	5.52	 	 	5.31	 	 	5.20	 	 	5.23
	60	 	 	5.85	 	 	5.61	 	 	5.68	 	 	5.75	 	 	5.55	 	 	5.61	 	 	5.37	 	 	5.26	 	 	5.29
	61	 	 	5.97	 	 	5.70	 	 	5.78	 	 	5.85	 	 	5.63	 	 	5.70	 	 	5.45	 	 	5.33	 	 	5.37
	62	 	 	6.09	 	 	5.81	 	 	5.89	 	 	5.95	 	 	5.72	 	 	5.79	 	 	5.53	 	 	5.40	 	 	5.44
	63	 	 	6.21	 	 	5.91	 	 	6.00	 	 	6.06	 	 	5.82	 	 	5.89	 	 	5.61	 	 	5.48	 	 	5.52
	64	 	 	6.35	 	 	6.03	 	 	6.13	 	 	6.17	 	 	5.92	 	 	6.00	 	 	5.70	 	 	5.56	 	 	5.60
	65	 	 	6.50	 	 	6.16	 	 	6.26	 	 	6.29	 	 	6.03	 	 	6.11	 	 	5.79	 	 	5.65	 	 	5.69
	66	 	 	6.66	 	 	6.29	 	 	6.40	 	 	6.42	 	 	6.15	 	 	6.23	 	 	5.89	 	 	5.75	 	 	5.79
	67	 	 	6.83	 	 	6.43	 	 	6.55	 	 	6.55	 	 	6.27	 	 	6.36	 	 	6.00	 	 	5.85	 	 	5.89
	68	 	 	7.01	 	 	6.59	 	 	6.71	 	 	6.69	 	 	6.40	 	 	6.49	 	 	6.11	 	 	5.96	 	 	6.00
	69	 	 	7.21	 	 	6.76	 	 	6.89	 	 	6.83	 	 	6.54	 	 	6.63	 	 	6.23	 	 	6.07	 	 	6.12
	70	 	 	7.41	 	 	6.94	 	 	7.08	 	 	6.98	 	 	6.69	 	 	6.77	 	 	6.36	 	 	6.20	 	 	6.25
	71	 	 	7.63	 	 	7.14	 	 	7.28	 	 	7.13	 	 	6.84	 	 	6.93	 	 	6.49	 	 	6.33	 	 	6.38
	72	 	 	7.87	 	 	7.35	 	 	7.50	 	 	7.28	 	 	7.00	 	 	7.09	 	 	6.63	 	 	6.46	 	 	6.52
	73	 	 	8.12	 	 	7.58	 	 	7.74	 	 	7.45	 	 	7.17	 	 	7.25	 	 	6.78	 	 	6.62	 	 	6.66
	74	 	 	8.39	 	 	7.83	 	 	8.00	 	 	7.61	 	 	7.34	 	 	7.42	 	 	6.94	 	 	6.78	 	 	6.83
	75	 	 	8.68	 	 	8.11	 	 	8.28	 	 	7.78	 	 	7.52	 	 	7.60	 	 	7.11	 	 	6.95	 	 	7.00
	76	 	 	8.99	 	 	8.40	 	 	8.58	 	 	7.95	 	 	7.71	 	 	7.78	 	 	7.29	 	 	7.13	 	 	7.18
	77	 	 	9.32	 	 	8.72	 	 	8.90	 	 	8.12	 	 	7.90	 	 	7.97	 	 	7.47	 	 	7.33	 	 	7.36
	78	 	 	9.68	 	 	9.07	 	 	9.25	 	 	8.29	 	 	8.09	 	 	8.16	 	 	7.68	 	 	7.52	 	 	7.57
	79	 	 	10.06	 	 	9.45	 	 	9.63	 	 	8.47	 	 	8.29	 	 	8.34	 	 	7.88	 	 	7.74	 	 	7.79
	80	 	 	10.47	 	 	9.85	 	 	10.04	 	 	8.64	 	 	8.48	 	 	8.53	 	 	8.11	 	 	7.98	 	 	8.01
	81	 	 	10.91	 	 	10.30	 	 	10.48	 	 	8.80	 	 	8.67	 	 	8.71	 	 	8.34	 	 	8.23	 	 	8.26
	82	 	 	11.38	 	 	10.78	 	 	10.96	 	 	8.97	 	 	8.86	 	 	8.89	 	 	8.60	 	 	8.48	 	 	8.53
	83	 	 	11.88	 	 	11.30	 	 	11.47	 	 	9.12	 	 	9.04	 	 	9.06	 	 	8.84	 	 	8.75	 	 	8.77
	84	 	 	12.42	 	 	11.87	 	 	12.03	 	 	9.27	 	 	9.21	 	 	9.23	 	 	9.09	 	 	9.01	 	 	9.05
	85	 	 	12.99	 	 	12.48	 	 	12.63	 	 	9.41	 	 	9.37	 	 	9.38	 	 	9.35	 	 	9.31	 	 	9.32
	86	 			 			 			 	 	9.54	 	 	9.51	 	 	9.52	 			 			 		
	87	 			 			 			 	 	9.67	 	 	9.65	 	 	9.65	 			 			 		
	88	 			 			 			 	 	9.78	 	 	9.77	 	 	9.77	 			 			 		
	89	 			 			 			 	 	9.89	 	 	9.88	 	 	9.88	 			 			 		
	90	 			 			 			 	 	9.98	 	 	9.98	 	 	9.98	 			 			 		
	91	 			 			 			 	 	10.07	 	 	10.07	 	 	10.07	 			 			 		
	92	 			 			 			 	 	10.15	 	 	10.15	 	 	10.15	 			 			 		
	93	 			 			 			 	 	10.22	 	 	10.22	 	 	10.22	 			 			 		
	94	 			 			 			 	 	10.28	 	 	10.28	 	 	10.28	 			 			 		
	95	 			 			 			 	 	10.34	 	 	10.33	 	 	10.33	 			 			 		
	96	 			 			 			 	 	10.38	 	 	10.38	 	 	10.38	 			 			 		
	97	 			 			 			 	 	10.42	 	 	10.42	 	 	10.42	 			 			 		
	98	 			 			 			 	 	10.45	 	 	10.45	 	 	10.45	 			 			 		

	*	Adjusted age as defined in Section 11.A 

	**	The discount factor per day which corresponds to the assumed investment return of 5.0% is .99986634. 

 Dollar amounts of monthly, quarterly, semi-annual, and annual installments not shown in the above tables will be calculated on the same basis as those shown and may be obtained from the company (if the option is
available based on adjusted age as described in Section 11). 
  

 Page 22 
  

 AV1359 101 208 707 

 Variable Income Option 5-V(a) 
 Monthly Installment For Joint and Full Survivor 
  

																						
	 Adjusted Age
of
 Male
Annuitant*
	 	Adjusted Age of Female Annuitant*
	 	15 Years
Less Than
Male	 	12 Years
Less Than
Male	 	9 Years
Less Than
Male	 	6 Years
Less Than
Male	 	3 Years
Less Than
Male	 	Same As
Male	 	3 Years
More Than
Male
	50	 	$	4.37	 	$	4.42	 	$	4.46	 	$	4.51	 	$	4.56	 	$	4.62	 	$	4.67
	55	 	 	4.48	 	 	4.54	 	 	4.60	 	 	4.67	 	 	4.74	 	 	4.81	 	 	4.88
	60	 	 	4.62	 	 	4.70	 	 	4.79	 	 	4.88	 	 	4.98	 	 	5.08	 	 	5.18
	65	 	 	4.81	 	 	4.92	 	 	5.04	 	 	5.17	 	 	5.31	 	 	5.46	 	 	5.61
	70	 	 	5.07	 	 	5.23	 	 	5.40	 	 	5.59	 	 	5.79	 	 	6.00	 	 	6.22
	75	 	 	5.43	 	 	5.65	 	 	5.90	 	 	6.18	 	 	6.48	 	 	6.79	 	 	7.11
	80	 	 	5.94	 	 	6.26	 	 	6.63	 	 	7.04	 	 	7.49	 	 	7.95	 	 	8.40
	85	 	 	6.67	 	 	7.15	 	 	7.70	 	 	8.31	 	 	8.97	 	 	9.63	 	 	10.26

 Monthly Installment For Unisex Joint and Full Survivor 
  

																						
	 Adjusted Age
of
 First
Annuitant*
	 	Adjusted Age of Joint Annuitant*
	 	15 Years
Less Than
First	 	12 Years
Less Than
First	 	9 Years
Less Than
First	 	6 Years
Less Than
First	 	 3 Years
Less Than
 First
	 	Same As
First	 	3 Years
More Than
First
	50	 	$	4.38	 	$	4.42	 	$	4.47	 	$	4.51	 	$	4.56	 	$	4.61	 	$	4.66
	55	 	 	4.48	 	 	4.54	 	 	4.60	 	 	4.67	 	 	4.73	 	 	4.80	 	 	4.87
	60	 	 	4.63	 	 	4.70	 	 	4.79	 	 	4.88	 	 	4.97	 	 	5.07	 	 	5.16
	65	 	 	4.82	 	 	4.93	 	 	5.05	 	 	5.17	 	 	5.30	 	 	5.44	 	 	5.57
	70	 	 	5.09	 	 	5.24	 	 	5.41	 	 	5.59	 	 	5.78	 	 	5.97	 	 	6.16
	75	 	 	5.46	 	 	5.68	 	 	5.93	 	 	6.19	 	 	6.47	 	 	6.75	 	 	7.03
	80	 	 	5.99	 	 	6.31	 	 	6.67	 	 	7.07	 	 	7.48	 	 	7.90	 	 	8.30
	85	 	 	6.75	 	 	7.23	 	 	7.76	 	 	8.35	 	 	8.97	 	 	9.59	 	 	10.17

 Variable Income Option 5-V(b) 
 Monthly Installment For Joint and Full Survivor (Life with Emergency Cash (SM)) 
  

																						
	 Adjusted Age
of
 Male
Annuitant*
	 	Adjusted Age of Joint Annuitant*
	 	15 Years
Less Than
Male	 	12 Years
Less Than
Male	 	9 Years
Less Than
Male	 	6 Years
Less Than
Male	 	3 Years
Less Than
Male	 	Same As
Male	 	3 Years
More Than
Male
	50	 	$	4.34	 	$	4.38	 	$	4.42	 	$	447	 	$	4.51	 	$	4.57	 	$	4.61
	55	 	 	4.43	 	 	4.48	 	 	4.54	 	 	4.60	 	 	4.67	 	 	4.74	 	 	4.79
	60	 	 	4.55	 	 	4.62	 	 	4.70	 	 	4.78	 	 	4.88	 	 	4.97	 	 	5.05
	65	 	 	4.71	 	 	4.80	 	 	4.91	 	 	5.03	 	 	5.16	 	 	5.30	 	 	5.41
	70	 	 	4.92	 	 	5.05	 	 	5.21	 	 	5.38	 	 	5.56	 	 	5.76	 	 	5.91
	75	 	 	5.21	 	 	5.40	 	 	5.61	 	 	5.86	 	 	6.12	 	 	6.40	 	 	6.61
	80	 	 	5.61	 	 	5.88	 	 	6.19	 	 	6.53	 	 	6.90	 	 	7.29	 	 	7.56
	85	 	 	6.16	 	 	6.54	 	 	6.98	 	 	7.46	 	 	7.95	 	 	8.41	 	 	8.76

 Monthly Installment For Unisex Joint and Full Survivor (Life with Emergency Cash (SM)) 

 

																						
	 Adjusted Age
of
 First
Annuitant*
	 	Adjusted Age of Joint Annuitant*
	 	15 Years
Less Than
First	 	12 Years
Less Than
First	 	9 Years
Less Than
First	 	6 Years
Less Than
First	 	3 Years
Less Than
First	 	Same As
First	 	3 Years
More Than
First
	50	 	$	4.34	 	$	4.38	 	$	4.42	 	$	4.47	 	$	4.51	 	$	4.56	 	$	4.60
	55	 	 	4.43	 	 	4.48	 	 	4.54	 	 	4.60	 	 	4.67	 	 	4.73	 	 	4.78
	60	 	 	4.55	 	 	4.62	 	 	4.70	 	 	4.78	 	 	4.87	 	 	4.96	 	 	5.03
	65	 	 	4.71	 	 	4.81	 	 	4.92	 	 	5.03	 	 	5.16	 	 	5.29	 	 	5.38
	70	 	 	4.93	 	 	5.07	 	 	5.22	 	 	5.38	 	 	5.56	 	 	5.74	 	 	5.87
	75	 	 	5.23	 	 	5.42	 	 	5.63	 	 	5.87	 	 	6.12	 	 	6.38	 	 	6.56
	80	 	 	5.64	 	 	5.91	 	 	6.21	 	 	6.55	 	 	6.90	 	 	7.26	 	 	7.51
	85	 	 	6.21	 	 	6.58	 	 	7.02	 	 	7.48	 	 	7.97	 	 	8.41	 	 	8.74

	*	Adjusted age as defined in Section 1l.A 

 Dollar amounts of monthly,
quarterly, semi-annual, and annual installments not shown in the above tables will be calculated on the same basis as those shown and may be obtained from the company (if the option is available based on adjusted age as described in
Section 11). 
  

 Page 23 
  

 AV1359 101 208 707 

 WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO 
 Home Office: Columbus, Ohio 
 Administrative Office: 
 4333 Edgewood Road N.E. 
 Cedar Rapids, Iowa
52499 
 (800) 553 - 5957 
 INDEX

  

			
	 	  	Page
	 Accumulation Units
	  	11
	 Adjusted Age
	  	16
	 Adjusted Policy Value
	  	6
	 Age or Sex Corrections
	  	4
	 Annuity Commencement Date
	  	4
	 Assignment
	  	4
	 Beneficiary
	  	5
	 Cash Value
	  	7
	 Contract
	  	4
	 Death Proceeds
	  	14
	 Definitions
	  	2
	 Dollar Cost Averaging Option
	  	13
	 Evidence of Survival
	  	4
	 Fixed Account
	  	12
	 Guaranteed Minimum Death Benefit
	  	14
	 Guaranteed Period Options
	  	12
	 Income Options
	  	16
	 Income Option Tables
	  	21
	 Incontestability
	  	4
	 Market Value Adjustment
	  	6
	 Modification of Policy
	  	4
	 Non-participating
	  	4
	 Option to Change Annuity Commencement Date
	  	4
	 Partial Withdrawals
	  	9
	 Payee
	  	16
	 Payment of Premiums
	  	5
	 Policy Data Page
	  	3
	 Policy Value
	  	6
	 Proof of Age
	  	16
	 Protection of Proceeds
	  	5
	 Right to Cancel
	  	1
	 Rights of Owner
	  	4
	 Separate Account
	  	10
	 Service Charge
	  	6
	 Settlement
	  	4
	 Transfers
	  	13

 FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY 
 INCOME PAYABLE AT ANNUITY COMMENCEMENT DATE 
 BENEFITS BASED ON THE PERFORMANCE OF THE SEPARATE ACCOUNT ARE 
 VARIABLE AND ARE NOT GUARANTEED 
 AS TO DOLLAR AMOUNT (SEE SECTIONS 7 AND 11) NON-PARTICIPATING 
 AV1359 101 208 707

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00128-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00128-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00128-of-00352.parquet"}]]