Common use of Table Clause in Contracts

Table. Withdrawals made in the months indicated, counting from the day the Participant's Account was Withdrawal Charge per $1.00 established* being withdrawn.** --------------------------------- --------------------------- First 24 months $0.06 Next 36 months 0.05 Next 60 months 0.03 Next 60 months 0.02 Thereafter 0.00 *Or, if earlier, the day an Account was established for him under a companion contract. **No charge is made after the amount withdrawn equals the contributions made for the Participant. In addition, no charge is made if the withdrawal is made for reasons of Financial Hardship or Disability Retirement pursuant to the terms of the Plan. As of the first day no amounts remain in a Participant's Account or in an Account for him under a companion contract, his Account is cancelled. This section may be changed as provided in section 5.1.

Table. Withdrawals made in the months indicated, counting from the day the Participant's Account was Withdrawal Charge per $1.00 established* being withdrawn.** --------------------------------- ---------------------------------- --------------------------- First 24 months $0.06 Next 36 months 0.05 Next 60 months 0.03 Next 60 months 0.02 Thereafter 0.00 *Or, if earlier, the day an Account was established for him under a companion contract. **No charge is made after the amount withdrawn equals the contributions made for the Participant. In addition, no charge is made if the withdrawal is made for reasons of Financial Hardship or Disability Retirement pursuant to the terms of the Plan. As of the first day no amounts remain in a Participant's Account or in an Account for him under a companion contract, his Account is cancelled. This section may be changed as provided in section 5.1.

Table. Withdrawals made in the months indicated, counting from the day the Participant's first Account was of a Participant Withdrawal Charge per $1.00 establishedwas established hereunder* being withdrawn.** --------------------------------- --------------------------- ---------------------------------- ----------------------------- First 24 months $0.06 Next 36 months 0.05 Next 60 months 0.03 Next 60 months 0.02 Thereafter 0.00 *Or, if earlier, the day an Account was established for him under a companion contractcontract (or under a similar contract if section 3.5 applies). **No charge is made after the amount withdrawn equals the contributions made for the Participant. In addition, no charge is made if the withdrawal is made for reasons of Financial Hardship or Disability Retirement pursuant to the terms of the Plan. As of the first day no amounts remain in a Participant's Account under this contract or in an Account for him under a companion contract, all of his Account is Accounts hereunder are cancelled. This section may be changed as provided in section 5.1.