Common use of THE ANNUITANT Clause in Contracts

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits provided under a Certificate. The annuitant may not be changed during the annuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes the annuitant if the annuitant dies while a Certificate is in effect prior to the Annuity Commencement Date. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. The annuitant must be a natural person. If the annuitant dies and no contingent annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitant. If all Certificate Owners are not individuals and, through operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected otherwise. THE BENEFICIARY The beneficiary is the person to whom we pay death proceeds if the certificate Owner dies prior to the annuity commencement date. See Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary dies before the certificate Owner, the death proceeds are paid to the contingent beneficiary, if any. If there is no surviving beneficiary, we pay the death proceeds to the certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age of the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant or certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits provided under a Certificate. The annuitant Annuitant may not be changed during the annuitantAnnuitant's lifetime. The Certificate Owner may name a contingent annuitantContingent Annuitant. The contingent annuitant Contingent Annuitant becomes the annuitant Annuitant if the annuitant Annuitant dies while a Certificate is in effect prior to the Annuity Commencement Date. The Certificate Owner will be the contingent annuitant Contingent Annuitant unless the Certificate Owner names someone else. The annuitant Annuitant must be a natural person. If the annuitant Annuitant dies and no contingent annuitant Contingent Annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitantAnnuitant. If all Certificate Owners are not individuals and, through operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected otherwise. THE BENEFICIARY The beneficiary Beneficiary is the person to whom we pay death proceeds if the certificate Certificate Owner dies prior to the annuity commencement dateAnnuity Commencement Date. See Death Benefit Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary Beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary Beneficiary dies before the certificate Certificate Owner, the death proceeds are paid to the contingent beneficiaryBeneficiary, if any. If there is no surviving beneficiaryBeneficiary, we pay the death proceeds to the certificate Certificate Owner's estate. One or more persons may be named as primary beneficiary Beneficiary or contingent Beneficiary. In the case of more than one beneficiaryBeneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiariesBeneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries Beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary Beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiaryBeneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option PackagesBeneficiary. GA-MA-1108 9 MA-1074 <PAGE> <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- ------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age Attained Age of the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant Annuitant or certificate Certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits provided under a Certificate. The annuitant may not be changed during the annuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes the annuitant if the annuitant dies while a Certificate is in effect prior to the Annuity Commencement Date. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. The annuitant must be a natural person. If the annuitant dies and no contingent annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitant. If all Certificate Owners are not individuals and, through operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected otherwise. THE BENEFICIARY The beneficiary is the person to whom we pay death proceeds if the certificate Owner dies prior to the annuity commencement date. See Death Benefit Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary dies before the certificate Owner, the death proceeds are paid to the contingent beneficiary, if any. If there is no surviving beneficiary, we pay the death proceeds to the certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 MA-1090 13 <PAGE> INTRODUCTION TO THIS CONTRACT Introduction to the Contract (continuedContinued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727601500345/mastercontract.txt 11/18/2016 During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 9 MA-1090 14 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES Premium Payments and Allocation Changes -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age of the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant or certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits provided under a Certificate. The annuitant must be a natural person. The annuitant may not be changed during the annuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes the annuitant if the annuitant dies while a Certificate is in effect prior to the Annuity Commencement Date. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. The annuitant must be a natural person. If the annuitant dies and no contingent annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitant. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. If all Certificate Owners are not individuals and, through operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected otherwise. THE BENEFICIARY The beneficiary is the person to whom we pay death proceeds if the certificate Owner dies prior to the annuity commencement date. See Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary dies before the certificate Owner, the death proceeds are paid to the contingent beneficiary, if any. If there is no surviving beneficiary, we pay the death proceeds to the certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 MA-1112 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age Attained Age of the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant Annuitant or certificate Owner Owner, the period during which we will accept additional premium payments and the timing and amount of each payment, are shown in each Certificatethe Schedule. We reserve the right to accept additional premium payments beyond the period stated in the Schedule, or to defer acceptance of or to return any additional premium payments. As of Premium Payments if they exceed the date we receive and accept restrictions stated in the Certificate Owner's additional premium payment:Schedule, if a Division or Fixed Allocation to which they are allocated is closed, or in order to comply with any law or regulation.

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits Annuity Benefits provided under a Certificate. The annuitant may not be changed during the annuitant's lifetime. The Certificate Owner may name a contingent annuitantContingent Annuitant. The contingent annuitant becomes Annuitant may not be changed during the annuitant if Annuitant's lifetime. If the annuitant Annuitant dies while a Certificate is in effect prior to before the Annuity Commencement Date, the Contingent Annuitant becomes the Annuitant. The Certificate Owner will be the contingent annuitant Contingent Annuitant unless the Certificate Owner names someone else. The annuitant Annuitant must be a natural person. If the annuitant Annuitant dies and no contingent annuitant Contingent Annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else other than themselves as annuitantan Annuitant. If all Certificate Owners are not individuals and, through the operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected the Certificate Owner elects otherwise. THE BENEFICIARY The beneficiary Beneficiary is the person to whom we pay death proceeds if the certificate any Certificate Owner dies prior to the annuity commencement dateAnnuity Commencement Date. See Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary Beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate OwnersOwner). If the primary beneficiary Beneficiary dies before the certificate Certificate Owner, the death proceeds are paid to the contingent beneficiaryContingent Beneficiary, if any. If there is no surviving beneficiaryBeneficiary, we pay the death proceeds to the certificate Certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> MC-1070 6 6/00 INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During ---------------------------------------------------------------------------- Unless otherwise provided, benefits will be paid as though the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, Beneficiary died before the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age of the ▇▇▇▇▇if://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant or certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits Annuity Benefits provided under a Certificate. A Certificate Owner may name a Contingent Annuitant. The annuitant Annuitant may not be changed during the annuitantAnnuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes If the annuitant if the annuitant Annuitant dies while a Certificate is in effect prior to before the Annuity Commencement Date, the Contingent Annuitant becomes the Annuitant. The Certificate Owner will be the contingent annuitant Contingent Annuitant unless the Certificate Owner names someone else. The annuitant Annuitant must be a natural person. If the annuitant Annuitant dies and no contingent annuitant Contingent Annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitantthe Annuitant. If all Owners of a Certificate Owners are not individuals and, through the operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds Death Benefit to the Beneficiary. If there are joint Joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected we are notified otherwise. THE BENEFICIARY The beneficiary Beneficiary is the person to whom we pay death proceeds the Death Benefit if the certificate a Certificate Owner dies prior to the annuity commencement dateAnnuity Commencement Date. See "Proceeds Payable to the Beneficiary" for more information. We pay Death Benefits to the primary Beneficiary (unless there are Joint Certificate Owners in which case the Death Benefit is payable to the surviving Certificate Owner). If the primary ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/data/836658/000083727602000030/gama1108-mast... 11/18/2016 ga_ma1100.txt 11/29/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary dies before the certificate Certificate Owner, the death proceeds are Death Benefit is paid to the contingent beneficiaryContingent Beneficiary, if any. If there is no surviving beneficiaryBeneficiary, we pay the death proceeds Death Benefit to the certificate Certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In Unless otherwise provided, the case of more than one beneficiary, we Death Benefit will assume any death proceeds are to be paid in equal shares to as though the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, died before the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age of the ▇▇▇▇▇if://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant or certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits Annuity Benefits provided under a Certificate. A Certificate Owner may name a Contingent Annuitant. The annuitant Annuitant may not be changed during the annuitantAnnuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes If the annuitant if the annuitant Annuitant dies while a Certificate is in effect prior to before the Annuity Commencement Date, the Contingent Annuitant becomes the Annuitant. The Certificate Owner will be the contingent annuitant Contingent Annuitant unless the Certificate Owner names someone else. The annuitant Annuitant must be a natural person. If the annuitant Annuitant dies and no contingent annuitant Contingent Annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitantthe Annuitant. If all Owners of a Certificate Owners are not individuals and, through the operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds Death Benefit to the Beneficiary. If there are joint Joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected we are notified otherwise. THE BENEFICIARY The beneficiary Beneficiary is the person to whom we pay death proceeds the Death Benefit if the certificate a Certificate Owner dies prior to the annuity commencement dateAnnuity Commencement Date. See "Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary Beneficiary" for more information. We pay death proceeds Death Benefits to the primary beneficiary Beneficiary (unless there are joint Joint Certificate Owners in which case the death benefit proceeds are Death Benefit is payable to the surviving Certificate OwnersOwner). If the primary beneficiary Beneficiary dies before the certificate Certificate Owner, the death proceeds are Death Benefit is paid to the contingent beneficiaryContingent Beneficiary, if any. If there is no surviving beneficiaryBeneficiary, we pay the death proceeds Death Benefit to the certificate Certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In Unless otherwise provided, the case of more than one beneficiary, we Death Benefit will assume any death proceeds are to be paid in equal shares to as though the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, died before the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age of the ▇▇▇▇▇if://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant or certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits provided under a Certificate. The annuitant may not be changed during the annuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes the annuitant if the annuitant dies while a Certificate is in effect prior to the Annuity Commencement Date. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. The annuitant must be a natural person. If the annuitant dies and no contingent annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitant. If all Certificate Owners are not individuals and, through operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected otherwise. THE BENEFICIARY The beneficiary is the person to whom we pay death proceeds if the certificate Owner dies prior to the annuity commencement date. See Death Benefit Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary dies before the certificate Owner, the death proceeds are paid to the contingent beneficiary, if any. If there is no surviving beneficiary, we pay the death proceeds to the certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> INTRODUCTION TO THIS CONTRACT MA-1090 13 Introduction to the Contract (continuedContinued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES MA-1090 14 Premium Payments and Allocation Changes -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age of the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant or certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits provided under a Certificate. The annuitant may not be changed during the annuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes the annuitant if the annuitant dies while a Certificate is in effect prior to the Annuity Commencement Date. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. The annuitant must be a natural person. If the annuitant dies and no contingent annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitant. If all Certificate Owners are not individuals and, through operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected otherwise. THE BENEFICIARY The beneficiary is the person to whom we pay death proceeds if the certificate Owner dies prior to the annuity commencement date. See Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary dies before the certificate Owner, the death proceeds are paid to the contingent beneficiary, if any. If there is no surviving beneficiary, we pay the death proceeds to the certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age of the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant or certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment:.

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits provided under a Certificate. The annuitant must be a natural person. The annuitant may not be changed during the annuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes the annuitant if the annuitant dies while a Certificate is in effect prior to the Annuity Commencement Date. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. The annuitant must be a natural person. If the annuitant dies and no contingent annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitant. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. If all Certificate Owners are not individuals and, through operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected otherwise. THE BENEFICIARY The beneficiary is the person to whom we pay death proceeds if the certificate Owner dies prior to the annuity commencement date. See Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary dies before the certificate Owner, the death proceeds are paid to the contingent beneficiary, if any. If there is no surviving beneficiary, we pay the death proceeds to the certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GAIU-MA-1108 MP-3014 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GAIU-MA-1108 MP-3014 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age Attained Age of the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant Annuitant or certificate Owner Owner, the period during which we will accept additional premium payments and the timing and amount of each payment, are shown in each Certificatethe Schedule. We reserve the right to accept additional premium payments beyond the period stated in the Schedule, or to defer acceptance of or to return any additional premium paymentsPremium Payments if they exceed the restrictions stated in the Schedule, if a Division or Fixed Allocation to which they are allocated is closed, or in order to comply with any law or regulation. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits provided under a Certificate. The annuitant must be a natural person. The annuitant may not be changed during the annuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes the annuitant if the annuitant dies while a Certificate is in effect prior to the Annuity Commencement Date. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. The annuitant must be a natural person. If the annuitant dies and no contingent annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitant. The Certificate Owner will be the contingent annuitant unless the Certificate Owner names someone else. If all Certificate Owners are not individuals and, through operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds to the Beneficiary. If there are joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected otherwise. THE BENEFICIARY The beneficiary is the person to whom we pay death proceeds if the certificate Owner dies prior to the annuity commencement date. See Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/data/836687/000083727603000151/gama1108gama1112-mast... 11/18/2016 Beneficiary for more information. We pay death proceeds to the primary beneficiary (unless there are joint Certificate Owners in which case the death benefit proceeds are payable to the surviving Certificate Owners). If the primary beneficiary dies before the certificate Owner, the death proceeds are paid to the contingent beneficiary, if any. If there is no surviving beneficiary, we pay the death proceeds to the certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 MA-1112 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 MA-1112 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age Attained Age of the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/data/836687/000083727603000151/gama1108gama1112-mast... 11/18/2016 annuitant Annuitant or certificate Owner Owner, the period during which we will accept additional premium payments and the timing and amount of each payment, are shown in each Certificatethe Schedule. We reserve the right to accept additional premium payments beyond the period stated in the Schedule, or to defer acceptance of or to return any additional premium paymentsPremium Payments if they exceed the restrictions stated in the Schedule, if a Division or Fixed Allocation to which they are allocated is closed, or in order to comply with any law or regulation. As of the date we receive and accept the Certificate Owner's additional premium payment:

THE ANNUITANT. The Annuitant is the measuring life of the annuity benefits Annuity Benefits provided under a Certificate. A Certificate Owner may name a Contingent Annuitant. The annuitant Annuitant may not be changed during the annuitantAnnuitant's lifetime. The Certificate Owner may name a contingent annuitant. The contingent annuitant becomes If the annuitant if the annuitant Annuitant dies while a Certificate is in effect prior to before the Annuity Commencement Date, the Contingent Annuitant becomes the Annuitant. The Certificate Owner will be the contingent annuitant Contingent Annuitant unless the Certificate Owner names someone else. The annuitant Annuitant must be a natural person. If the annuitant Annuitant dies and no contingent annuitant Contingent Annuitant has been named, we will allow the Certificate Owner sixty days to designate someone else as annuitantthe Annuitant. If all Owners of a Certificate Owners are not individuals and, through the operation of this provision, a Certificate Owner becomes the Annuitant, we will pay the death benefit proceeds Death Benefit to the Beneficiary. If there are joint Joint Certificate Owners, we will treat the youngest of the Certificate Owners as the Contingent Annuitant designated, unless elected we are notified otherwise. THE BENEFICIARY The beneficiary Beneficiary is the person to whom we pay death proceeds the Death Benefit if the certificate a Certificate Owner dies prior to the annuity commencement dateAnnuity Commencement Date. See "Proceeds Payable to the ▇▇▇▇▇://▇▇▇.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 Beneficiary Beneficiary" for more information. We pay death proceeds Death Benefits to the primary beneficiary Beneficiary (unless there are joint Joint Certificate Owners in which case the death benefit proceeds are Death Benefit is payable to the surviving Certificate OwnersOwner). If the primary beneficiary Beneficiary dies before the certificate Certificate Owner, the death proceeds are Death Benefit is paid to the contingent beneficiaryContingent Beneficiary, if any. If there is no surviving beneficiaryBeneficiary, we pay the death proceeds Death Benefit to the certificate Owner's estate. One or more persons may be named as primary beneficiary or contingent Beneficiary. In the case of more than one beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving beneficiaries. Other than equal shares may be specified by the Certificate Owner. The Certificate Owner has the right to change beneficiaries during the Certificate Owner's lifetime, unless the primary beneficiary is designated irrevocable. When an irrevocable Beneficiary has been designated, the Certificate Owner and the irrevocable Beneficiary may have to act together to exercise the rights and options under a Certificate. When naming or changing the Beneficiary(ies), the Certificate Owner may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under section 72(s) of the I.R.S. Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code. GA-MA-1108 8 <PAGE> INTRODUCTION TO THIS CONTRACT (continued) -------------------------------------------------------------------------------- CHANGE OF CERTIFICATE OWNER OR BENEFICIARY During the Certificate Owner's lifetime and while a Certificate is in effect under this Contract, the Certificate Owner can transfer ownership of a Certificate or change the beneficiary. To make any of these changes, we require written notice of the change in a form satisfactory to us. If there are joint Certificate Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A change of certificate Owner may affect the amount of death benefit payable under the Certificate. See Proceeds Payable to the Beneficiary and Benefit Option Packages. GA-MA-1108 9 <PAGE> PREMIUM PAYMENTS AND ALLOCATION CHANGES -------------------------------------------------------------------------------- INITIAL PREMIUM PAYMENT The Initial Premium Payment is required to put a Certificate in effect. The amount and allocation of the Initial Premium Payment is shown in each Certificate. ADDITIONAL PREMIUM PAYMENT OPTION Additional premium payments may be made after the Right to Examine period ends. Satisfactory notice to us must be given for additional premium payments. Restrictions on additional premium payments, such as the attained age of the ▇▇▇▇▇://▇▇▇estate.▇▇▇.▇▇▇/Archives/▇▇▇▇▇/data/836687/000083727603000061/gama1108-mast... 11/18/2016 annuitant or certificate Owner and the timing and amount of each payment, are shown in each Certificate. We reserve the right to defer acceptance of or to return any additional premium payments. As of the date we receive and accept the Certificate Owner's additional premium payment: