Common use of TRANSFER OPTION Clause in Contracts

TRANSFER OPTION. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; c. surrender of this Contract; or d. the Maturity Date; the Owner may direct a transfer of a portion of the Contract Value: a. from one Variable Sub-account to another Variable Sub-account; or b. from a designated DCA holding account to a Variable Sub-account under a DCA program; subject to the restrictions described below. Such a transfer request must be made in writing to LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in accordance with LNL procedures. A transfer from one Variable Sub-account to another Variable Sub-account will result in the redemption of Accumulation Units in one Variable Sub-account and the purchase of Accumulation Units in the other Variable Sub-account. A transfer from a DCA Fixed Account to a Variable Sub-account will result in a withdrawal of Contract Value from the DCA Fixed Account and the purchase of Accumulation Units in the Variable Sub-account. Such transfers will be accomplished at Accumulation Unit values as of the Valuation Date the transfer request is received in the Home Office. Transfers will be subject to the following restrictions. a. Transfers may not be made during the first 30 days after the Contract Date. b. Twelve (12) transfers within the Variable Account may be made per Contract Year. There will be no fee imposed for these twelve (12) transfers. c. LNL reserves the right to allow more than twelve (12) transfers per Contract Year, but in doing so may impose a fee of up to $10.00 for each transfer after the first twelve (12) transfers in a Contract Year. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against these twelve (12) transfers. d. The minimum single transfer amount from a Variable Sub-account is $300 or the entire amount in the Variable Sub-account, whichever is less. If, after the transfer, the amount remaining under this Contract in the Variable Sub-account from which the transfer is taken is less than $300, the entire amount held in that Variable Sub-account will be transferred with the requested transfer amount. e. The minimum transfer amount to a Variable Sub-account is $300. If the DCA program is discontinued by the Owner prior to the end of the selected DCA period, any remaining portion of the Contract Value held in a designated DCA holding account within the DCA Fixed Account will be transferred automatically to the Variable Sub-account(s) the Owner selected under the DCA program.

TRANSFER OPTION. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; c. surrender of this Contract; or d. the Maturity Date; the Owner may direct a transfer of a portion of the Contract Value: a. from one Variable Sub-account to another Variable Sub-account; or; b. from a designated DCA holding account to a Variable Sub-account under a DCA program; subject to the restrictions described below. Such a transfer request must be made in writing to LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in accordance with LNL proceduresLNY at its Servicing Office. A transfer from one Variable Sub-account to another Variable Sub-account will result in the redemption of Accumulation Units in one Variable Sub-account and the purchase of Accumulation Units in the other Variable Sub-account. A transfer from a DCA Fixed Account to a Variable Sub-account will result in a withdrawal of Contract Value from the DCA Fixed Account and the purchase of Accumulation Units in the Variable Sub-account. Such transfers will be accomplished at Accumulation Unit values as of the Valuation Date the transfer request is received in the Home Servicing Office. Transfers will be subject to the following restrictions. a. Transfers may not be made LNY reserves the right to restrict transfers during the first 30 days after the Contract Date. b. Twelve (12) transfers within the Variable Account may be made per Contract Year. There will be no fee imposed for these twelve (12) transfers. c. LNL . Transfers in excess of twelve (12) per Contract Year must be authorized by LNY. LNY reserves the right to allow more than twelve (12) transfers impose a fee for any transfer in excess of 12 per Contract Year, but in doing so may impose a . This fee of up to will not exceed $10.00 for each transfer after the first twelve (12) transfers in a Contract Year25. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against these twelve (12) transfers. d. c. The minimum single transfer amount from a Variable Sub-account is $300 or the entire amount in the Variable Sub-account, whichever is less. If, after the transfer, the amount remaining under this Contract in the Variable Sub-account from which the transfer is taken is less than $300, the entire amount held in that Variable Sub-account will be transferred with the requested transfer amount. e. d. The minimum transfer amount to a Variable Sub-account is $300. If the DCA program is discontinued by the Owner prior to the end of the selected DCA period, any remaining portion of the Contract Value held in a designated DCA holding account within the DCA Fixed Account will be transferred automatically to the Variable Sub-account(s) the Owner selected under the DCA program.

TRANSFER OPTION. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; c. surrender of this Contract; or d. the Maturity Date; the Owner may direct a transfer of a portion of the Contract Value: a. from one Variable Sub-account to another Variable Sub-account; or b. from a designated DCA holding account to a Variable Sub-account under a DCA program; subject to the restrictions described below. Such a transfer request must be made in writing to LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in accordance with LNL procedures. A transfer from one Variable Sub-account to another Variable Sub-account will result in the redemption of Accumulation Units in one Variable Sub-account and the purchase of Accumulation Units in the other Variable Sub-account. A transfer from a DCA Fixed Account to a Variable Sub-account will result in a withdrawal of Contract Value from the DCA Fixed Account and the purchase of Accumulation Units in the Variable Sub-account. Such transfers will be accomplished at Accumulation Unit values as of the Valuation Date the transfer request is received in the Home Office. Transfers will be subject to the following restrictions. a. Transfers may not be made LNL reserves the right to restrict transfers during the first 30 days after the Contract Date. b. Twelve (12) transfers within the Variable Account may be made per Contract Year. There will be no fee imposed for these twelve (12) transfers. c. LNL reserves the right to allow more than . Transfers in excess of twelve (12) transfers per Contract Year, but in doing so may impose a fee of up to $10.00 for each transfer after the first twelve (12) transfers in a Contract YearYear must be authorized by LNL. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against these twelve (12) transfers. d. c. The minimum single transfer amount from a Variable Sub-account is $300 or the entire amount in the Variable Sub-account, whichever is less. If, after the transfer, the amount remaining under this Contract in the Variable Sub-account from which the transfer is taken is less than $300, the entire amount held in that Variable Sub-account will be transferred with the requested transfer amount. e. d. The minimum transfer amount to a Variable Sub-account is $300. If the DCA program is discontinued by the Owner prior to the end of the selected DCA period, any remaining portion of the Contract Value held in a designated DCA holding account within the DCA Fixed Account will be transferred automatically to the Variable Sub-account(s) the Owner selected under the DCA program.

TRANSFER OPTION. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; c. surrender of this Contract; or d. the Maturity Date; the Owner may direct a transfer of a portion of the Contract Value: a. from one Variable Sub-account to another Variable Sub-account or to a Fixed Sub-account; b. from one Fixed Sub-account to another Fixed Sub-account or to a Variable Sub-account; or b. c. from a designated DCA holding account to a Variable Sub-account under a DCA program; subject to the restrictions described below. Such a transfer request must be made in writing to LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in accordance with LNL procedures. A transfer from one Variable Sub-account to another Variable Sub-account will result in the redemption of Accumulation Units in one Variable Sub-account and the purchase of Accumulation Units in the other Variable Sub-account. A transfer from a DCA the Fixed Account to a Variable Sub-account will result in a withdrawal of Contract Value from the DCA Fixed Account and the purchase of Accumulation Units in the Variable Sub-account. Such transfers will be accomplished at Accumulation Unit values as of the Valuation Date the transfer request is received in the Home Office. Transfers from a Fixed Sub-account will be subject to a Market Value Adjustment (as described in Section 4.06) unless the transfer is effective on the Expiration Date of the Guaranteed Period. If a request for a transfer from a Fixed Sub-account is received during the 60-day period immediately preceding the Expiration Date of that Guaranteed Period, the transfer will be effective as of the Expiration Date unless an immediate transfer is requested. If an immediate transfer is requested, the transfer will occur on the Valuation Date the transfer is received in the Home Office. If a transfer request is received at any time other than during this 60-day period, the transfer will be accomplished as of the Valuation Date the transfer request is received in the Home Office. Transfers to a Fixed Sub-account will have an associated Guaranteed Period, Guaranteed Interest Rate and Expiration Date and will be treated separately from other Purchase Payment allocations or transfers of a portion of the Contract Value to the Fixed Account. The allocation of multiple Purchase Payments and transfers into the same Fixed Sub-account may result in portions of the Contract Value therein having different Guaranteed Interest Rates, Expiration Dates and Market Value Adjustments. The Guaranteed Period begins when the transfer of a portion of Contract Value is credited into that Fixed Sub-account and ends on the Expiration Date of the Guaranteed Period selected. See Section 4.05 for an explanation of Guaranteed Periods and Section 4.04 for an explanation of Guaranteed Interest Rates. Transfers will be subject to the following restrictions. a. Transfers may not be made LNL reserves the right to restrict transfers during the first 30 days after the Contract Date. b. Twelve (12) transfers within and/or between the Variable Account and the Fixed Account may be made per Contract Year. There will be no fee imposed for these twelve (12) transfers. c. LNL reserves the right to allow more than . Transfers in excess of twelve (12) transfers per Contract Year, but in doing so may impose a fee of up to $10.00 for each transfer after the first twelve (12) transfers in a Contract YearYear must be authorized by LNL. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against these twelve (12) transfers. d. c. The minimum single transfer amount from a Variable Sub-account or a Fixed Sub-account is $300 or the entire amount in the Variable Sub- account or Fixed Sub-account, whichever is less. If, after the transfer, the amount remaining under this Contract in the Variable Sub- account and/or Fixed Sub-account from which the transfer is taken is less than $300, the entire amount held in that Variable Sub-account and/or Fixed Sub-account will be transferred with the requested transfer amount. d. For transfers on a date other than the Expiration Date of a Guaranteed Period, the sum of the percentages transferred from any Fixed Sub- account in any Contract Year, where the percentages are based upon the value of the Fixed Sub-account at the time of the current withdrawal, will be limited to 25% of the value of the Fixed Sub-account. Such transfers will be subject to a Market Value Adjustment. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against this 25% limit and will not be subject to a Market Value Adjustment. e. The minimum transfer amount to a Variable Sub-account is $300. f. The minimum transfer amount to a Fixed Sub-account is $2000. g. The amount being transferred may not exceed LNL's maximum amount limit then in effect. h. Transfers involving Variable Account Sub-accounts will be subject to such terms and conditions as may be imposed by the Funds. If the DCA program is discontinued by the Owner prior to the end of the selected DCA period, any remaining portion of the Contract Value held in a designated DCA holding account within the DCA Fixed Account will be transferred automatically to the Variable Sub-account(s) the Owner selected under the DCA program.

TRANSFER OPTION. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; c. surrender of this Contract; or d. the Maturity Date; the Owner may direct a transfer of a portion of the Contract Value: a. from one Variable Sub-account to another Variable Sub-account or to a Fixed Sub-account; b. from one Fixed Sub-account to another Fixed Sub-account or to a Variable Sub-account; or b. c. from a designated DCA holding account to a Variable Sub-account under a DCA program; subject to the restrictions described below. Such a transfer request must be made in writing to LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in accordance with LNL procedures. A transfer from one Variable Sub-account to another Variable Sub-account will result in the redemption of Accumulation Units in one Variable Sub-account and the purchase of Accumulation Units in the other Variable Sub-account. A transfer from a DCA the Fixed Account to a Variable Sub-account will result in a withdrawal of Contract Value from the DCA Fixed Account and the purchase of Accumulation Units in the Variable Sub-account. Such transfers will be accomplished at Accumulation Unit values as of the Valuation Date the transfer request is received in the Home Office. Transfers will be subject to the following restrictions. a. Transfers may not be made during the first 30 days after the Contract Date. b. Twelve (12) transfers within the Variable Account may be made per Contract Year. There will be no fee imposed for these twelve (12) transfers. c. LNL reserves the right to allow more than twelve (12) transfers per Contract Year, but in doing so may impose a fee of up to $10.00 for each transfer after the first twelve (12) transfers in a Contract Year. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against these twelve (12) transfers. d. The minimum single transfer amount from a Variable Sub-account is $300 or the entire amount in the Variable Sub-account, whichever is less. If, after the transfer, the amount remaining under this Contract in the Variable Sub-account from which the transfer is taken is less than $300, the entire amount held in that Variable Fixed Sub-account will be transferred with the requested transfer amount. e. The minimum transfer amount subject to a Variable Market Value Adjustment (as described in Section 4.06) unless the transfer is effective on the Expiration Date of the Guaranteed Period. If a request for a transfer from a Fixed Sub-account is $300received during the 60-day period immediately preceding the Expiration Date of that Guaranteed Period, the transfer will be effective as of the Expiration Date unless an immediate transfer is requested. If an immediate transfer is requested, the DCA program transfer will occur on the Valuation Date the transfer is discontinued by received in the Owner prior to Home Office. If a transfer request is received at any time other than during this 60-day period, the end transfer will be accomplished as of the selected DCA periodValuation Date the transfer request is received in the Home Office. Transfers to a Fixed Sub-account will have an associated Guaranteed Period, any remaining Guaranteed Interest Rate and Expiration Date and will be treated separately from other Purchase Payment allocations or transfers of a portion of the Contract Value held in a designated DCA holding account within the DCA Fixed Account will be transferred automatically to the Variable Fixed Account. The allocation of multiple Purchase Payments and transfers into the same Fixed Sub-account(s) account may result in portions of the Owner selected under the DCA program.Contract Value therein having different Guaranteed Interest Rates, Expiration

TRANSFER OPTION. Prior to the earlier of: a. the Annuity Commencement Date; ; b. termination of this Contract upon payment of any Death Benefit; ; c. surrender of this Contract; or or d. the Maturity Date; the Owner may direct a transfer of a portion of the Contract Value: a. from one Variable Sub-account to another Variable Sub-account or to a Fixed Sub-account; or b. from one Fixed Sub-account to another Fixed Sub-account or to a Variable Sub-account; and c. from a designated DCA holding account to a Variable Sub-account under a DCA program; subject to the restrictions described below. Such a transfer request must be made in writing to LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in accordance with LNL proceduresLNY at its Servicing Office. A transfer from one Variable Sub-account to another Variable Sub-account will result in the redemption of Accumulation Units in one Variable Sub-account and the purchase of Accumulation Units in the other Variable Sub-account. A transfer from a DCA the Fixed Account to a Variable Sub-account will result in a withdrawal of Contract Value from the DCA Fixed Account and the purchase of Accumulation Units in the Variable Sub-account. Such transfers will be accomplished at Accumulation Unit values as of the Valuation Date the transfer request is received in the Home Servicing Office. Transfers from a Fixed Sub-account will be subject to a Market Value Adjustment (as described in Section 4.06) unless the transfer is effective on the Expiration Date of the Guaranteed Period. If a request for a transfer from a Fixed Sub-account is received during the 60-day period immediately preceding the Expiration Date of that Guaranteed Period, the transfer will be effective as of the Expiration Date unless an immediate transfer is requested. If an immediate transfer is requested, the transfer will occur on the Valuation Date the transfer is received in the Servicing Office. If a transfer request is received at any time other than during this 60-day period, the transfer will be accomplished as of the Valuation Date the transfer request is received in the Servicing Office. Transfers to a Fixed Sub-account will have an associated Guaranteed Period, Guaranteed Interest Rate and Expiration Date and will be treated separately from other Purchase Payment allocations or transfers of a portion of the Contract Value to the Fixed Account. The allocation of multiple Purchase Payments and transfers into the same Fixed Sub-account may result in portions of the Contract Value therein having different Guaranteed Interest Rates, Expiration Dates, and Market Value Adjustments. The Guaranteed Period begins when the transfer of a portion of Contract Value is credited into that Fixed Sub-account and ends on the Expiration Date of the Guaranteed Period selected. See Section 4.05 for an explanation of Guaranteed Periods and Section 4.04 for an explanation of Guaranteed Interest Rates. Transfers will be subject to the following restrictions. a. Transfers may not be made LNY reserves the right to restrict transfers during the first 30 days after the Contract Date. b. Twelve (12) transfers within and/or between the Variable Account and the Fixed Account may be made per Contract Year. There will be no fee imposed for these twelve (12) transfers. c. LNL . Transfers in excess of twelve (12) per Contract Year must be authorized by LNY. LNY reserves the right to allow more than twelve (12) transfers impose a fee for any transfer in excess of 12 per Contract Year, but in doing so may impose a . This fee of up to will not exceed $10.00 for each transfer after the first twelve (12) transfers in a Contract Year25. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against these twelve (12) transfers. d. c. The minimum single transfer amount from a Variable Sub-account or a Fixed Sub-account is $300 or the entire amount in the Variable Sub-account or Fixed Sub-account, whichever is less. If, after the transfer, the amount remaining under this Contract in the Variable Sub-account and/or Fixed Sub- account from which the transfer is taken is less than $300, the entire amount held in that Variable Sub-account and/or Fixed Sub-account will be transferred with the requested transfer amount. d. For transfers on a date other than the Expiration Date of a Guaranteed Period, the sum of the percentages transferred from any Fixed Sub-account in any Contract Year, where the percentages are based upon the value of the Fixed Sub-account at the time of the current withdrawal, will be limited to 25% of the value of the Fixed Sub-account. Such transfers will be subject to a Market Value Adjustment. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against the 25% limit and will not be subject to a Market Value Adjustment. e. The minimum transfer amount to a Variable Sub-account is $300. f. The minimum transfer amount to a Fixed Sub-account is $2000. If the DCA program is discontinued by the Owner prior to the end of the selected DCA period, any remaining portion of the Contract Value held in a designated DCA holding account within the DCA Fixed Account will be transferred automatically to the Variable Sub-account(s) the Owner selected under the DCA program.

TRANSFER OPTION. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; c. surrender of this Contract; or d. the Maturity Date; the Owner may direct a transfer of a portion of the Contract Value: a. from one Variable Sub-account to another Variable Sub-account or to a Fixed Sub-account; b. from one Fixed Sub-account to another Fixed Sub-account or to a Variable sub-account; or b. c. from a designated DCA holding account to a Variable Sub-account under a DCA program; subject to the restrictions described below. Such a transfer request must be made in writing to LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in accordance with LNL procedures. A transfer from one Variable Sub-account to another Variable Sub-account will result in the redemption of Accumulation Units in one Variable Sub-account and the purchase of Accumulation Units in the other Variable Sub-account. A transfer from a DCA the Fixed Account to a Variable Sub-account will result in a withdrawal of Contract Value from the DCA Fixed Account and the purchase of Accumulation Units in the Variable Sub-account. Such transfers will be accomplished at Accumulation Unit values as of the Valuation Date the transfer request is received in the Home Office. Transfers from a Fixed Sub-account will be subject to a Market Value Adjustment (as described in Section 4.06) unless the transfer is effective on the Expiration Date of the Guaranteed Period. If a request for a transfer from a Fixed Sub-account is received during the 60-day period immediately preceding the Expiration Date of that Guaranteed Period, the transfer will be effective as of the Expiration Date unless an immediate transfer is requested. If an immediate transfer is requested, the transfer will occur on the Valuation Date the transfer is received in the Home Office. If a transfer request is received at any time other than during this 60-day period, the transfer will be accomplished as of the Valuation Date the transfer request is received in the Home Office. Transfers to a Fixed Sub-account will have an associated Guaranteed Period, Guaranteed Interest Rate and Expiration Date and will be treated separately from other Purchase Payment allocations or transfers of a portion of the Contract Value to the Fixed Account. The allocation of multiple Purchase Payments and transfers into the same Fixed Sub-account may result in portions of the Contract Value therein having different Guaranteed Interest Rates, Expiration Dates, and Market Value Adjustments. The Guaranteed Period begins when the transfer of a portion of Contract Value is credited into that Fixed Sub-account and ends on the Expiration Date of the Guaranteed Period selected. See Section 4.05 for an explanation of Guaranteed Periods and Section 4.04 for an explanation of Guaranteed Interest Rates. Transfers will be subject to the following restrictions. a. Transfers may not be made during the first 30 days after the Contract Date. b. Twelve (12) transfers within and/or between the Variable Account and the Fixed Account may be made per Contract Year. There will be no fee imposed for these twelve (12) transfers. c. LNL reserves the right to allow more than twelve (12) transfers per Contract Year, but in doing so may impose a fee of up to $10.00 for each transfer after the first twelve (12) transfers in a Contract Year. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against these twelve (12) transfers. d. The minimum single transfer amount from a Variable Sub-account or a Fixed Sub-account is $300 or the entire amount in the Variable Sub- account or Fixed Sub-account, whichever is less. If, after the transfer, the amount remaining under this Contract in the Variable Sub- account and/or Fixed Sub-account from which the transfer is taken is less than $300, the entire amount held in that Variable Sub-account and/or Fixed Sub-account will be transferred with the requested transfer amount. e. For transfers on a date other than the Expiration Date of a Guaranteed Period, the sum of the percentages transferred from any Fixed Sub- account in any Contract Year, where the percentages are based upon the value of the Fixed Sub-account at the time of the current withdrawal, will be limited to [25%] of the value of the Fixed Sub-account. Such transfers will be subject to a Market Value Adjustment. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against the [25%] limit and will not be subject to a Market Value Adjustment. f. The minimum transfer amount to a Variable Sub-account is $300. g. The minimum transfer amount to a Fixed Sub-account is $2000. If the DCA program is discontinued by the Owner prior to the end of the selected DCA period, any remaining portion of the Contract Value held in a designated DCA holding account within the DCA Fixed Account will be transferred automatically to the Variable Sub-account(s) the Owner selected under the DCA program.

TRANSFER OPTION. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; c. surrender of this Contract; or d. the Maturity Date; the Owner may direct a transfer of a portion of the Contract Value: a. from one Variable Sub-account to another Variable Sub-account; or; b. from a designated DCA holding account to a Variable Sub-account under a DCA program; subject to the restrictions described below. Such a transfer request must be made in writing to LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in accordance with LNL proceduresLNY at its Servicing Office. A transfer from one Variable Sub-account to another Variable Sub-account will result in the redemption of Accumulation Units in one Variable Sub-account and the purchase of Accumulation Units in the other Variable Sub-account. A transfer from a DCA Fixed Account to a Variable Sub-account will result in a withdrawal of Contract Value from the DCA Fixed Account and the purchase of Accumulation Units in the Variable Sub-account. Such transfers will be accomplished at Accumulation Unit values as of the Valuation Date the transfer request is received in the Home Servicing Office. Transfers will be subject to the following restrictions. a. Transfers may not be made LNY reserves the right to restrict transfers during the first 30 days after the Contract Date. b. Twelve (12) transfers within the Variable Account may be made per Contract Year. There will be no fee imposed for these twelve (12) transfers. c. LNL reserves the right to allow more than . Transfers in excess of twelve (12) transfers per Contract Year, but in doing so may impose a fee of up to $10.00 for each transfer after the first twelve (12) transfers in a Contract YearYear must be authorized by LNY. Transfers made as a part of an automatic transfer program (such as a DCA program) will not be counted against these twelve (12) transfers. d. c. The minimum single transfer amount from a Variable Sub-account is $300 or the entire amount in the Variable Sub-account, whichever is less. If, after the transfer, the amount remaining under this Contract in the Variable Sub-account from which the transfer is taken is less than $300, the entire amount held in that Variable Sub-account will be transferred with the requested transfer amount. e. d. The minimum transfer amount to a Variable Sub-account is $300. If the DCA program is discontinued by the Owner prior to the end of the selected DCA period, any remaining portion of the Contract Value held in a designated DCA holding account within the DCA Fixed Account will be transferred automatically to the Variable Sub-account(s) the Owner selected under the DCA program.