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Right to Revoke

Generally, you may revoke the Certificate by returning it to us within 15 days after you receive it. For most states, we will refund your Certificate Value as of the date we receive the returned Certificate. You will bear the investment risk during the revocation period. In other states, we will return purchase payments. You are not entitled to keep the Premium Credit if you revoke the Certificate under this provision. (See "Right to Revoke".)

FEE TABLE

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering the Certificate. The first table describes the fees and expenses that you will pay at the time that you buy the Certificate, surrender the Certificate, or transfer cash value between investment options. State premium taxes may also be deducted.

Certificate Owner Transaction Expenses

Sales Load Imposed on Purchases (as a percentage of purchase payments):

0%

Maximum Surrender Charge (as a percentage of purchase payments):

8%*

Maximum Charge Per Transfer (Currently $0):

$25**

Premium Taxes (as a percentage of Certificate Value or total purchase payments):

0% - 3.5%***

*We will let you choose from one or more of three different Premium Credit rates: 3%; 4%; and 5%. Each rate has a different surrender charge schedule:

Up to 1

8%

8%

8%

2

8%

8%

8%

3

8%

8%

8%

4

7%

7%

7%

5

6%

6%

6%

6

5%

5%

5%

7

4%

4%

4%

8

0%

3%

3%

9

0%

0%

2%

10

0%

0%

0%

5% Premium Credit

4% Premium Credit

Completed years since purchase payment

3% Premium Credit

Surrender charges are deducted only if you make a partial withdrawal or totally surrender the Certificate. You will not incur a surrender charge: (1) in the first Certificate Year where you withdraw an aggregate amount up to the Certificate's earnings (earnings equal the Certificate Value at time of withdrawal less purchase payments not previously withdrawn); (2) in the second and later Certificate Years where you withdraw (a) earnings, and (b) an amount up to 10% of the Certificate Value as of the preceding Certificate Anniversary, less earnings.

** Applicable to each transfer after the first twelve transfers in each Certificate Year. We are currently waiving this fee. We reserve the right to impose a transfer fee after we notify you. See "Deductions for Transfers of Variable Account Value."

*** The premium tax rate and base vary by your state of residence and the type of Certificate you own. Currently, we deduct premium taxes from Certificate Value upon full surrender (including a surrender for the death benefit) or annuitization. See “Deductions for Premium Taxes.”

The next table describes the fees and expenses that you will pay periodically during the time that you own the Certificate, not including Eligible Fund fees and expenses.

Annual Certificate Maintenance Charge:

$36*

*This maintenance charge will be waived before the Income Date if: (1) it is the first Certificate Anniversary; (2) the Certificate Value is at least $50,000 on the date the charge is imposed; or (3) in the prior Certificate Year, purchase payments of at least $2,000 have been made and you have not made any partial withdrawals. This waiver will be determined annually. See "Deductions for Certificate Maintenance Charge."

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