Common use of VOTING RIGHTS AND REPORTS TO OWNERS Clause in Contracts

VOTING RIGHTS AND REPORTS TO OWNERS. As long as the Separate Account continues to be registered as a unit investment trust under the Investment Company Act of 1940 and the assets of the Separate Account are invested in shares of a Portfolio, the Company will vote shares held by the Separate Account in accordance with the instructions received from the Owners of Accumulation Units or, after payments have commenced under a variable income plan, from the beneficiaries receiving payments under those income plans. Each Owner or Beneficiary will receive: • periodic reports relating to the Portfolio; • proxy material; • a form with which to give voting instructions; and • information regarding the proportion of shares of each Portfolio held in the Separate Account corresponding either to the Accumulation Units credited to this Contract or the number of shares held in the Separate Account representing the Company’s actuarial liability under the variable income plan. At least once each Contract Year, the Company will send to the Owner, without charge, a contract status report. The contract status report will include: a) The beginning and end dates of the current report period; b) The account value at the beginning of the current report period and at the end of the current report period; c) The amounts that have been credited or debited to the account value during the current report period; d) The Cash Value, if any, at the end of the current report period; e) The amount of outstanding loans, if any, at the end of the current report period; and f) The amount of death benefit, if any, at the end of the current report period. Additional contract status reports are available upon request of the Owner at a charge not to exceed $25 per additional report. ICC12.RR.VA.BFR.(0313) 13

VOTING RIGHTS AND REPORTS TO OWNERS. As long as the Separate Account continues to be registered as a unit investment trust under the Investment Company Act of 1940 and the assets of the Separate Account are invested in shares of a Portfolio, the Company will vote shares held by the Separate Account in accordance with the instructions received from the Owners of Accumulation Units or, after payments have commenced under a variable income plan, from the beneficiaries Beneficiaries receiving payments under those income plans. Each Owner or Beneficiary will receive: • periodic reports relating to the Portfolio; • proxy material; • a form with which to give voting instructions; and • information regarding the proportion of shares of each Portfolio held in the Separate Account corresponding either to the Accumulation Units credited to this Contract or the number of shares held in the Separate Account representing the Company’s actuarial liability under the variable income plan. At least once each Contract Year, the Company will send to the Owner, without charge, a contract status report. The contract status report will include: a) The beginning and end dates of the current report period; b) The account value at the beginning of the current report period and at the end of the current report period; c) The amounts that have been credited or debited to the account value during the current report period; d) The Cash Value, if any, at the end of the current report periodperiod prior to the application of any Market Value Adjustment formula; e) The Cash Value, if any, at the end of the current report period after the application of any Market Value Adjustment formula; f) The amount of outstanding loans, if any, at the end of the current report period; and fg) The amount of death benefit, if any, at the end of the current report period. Additional contract status reports are available upon request of the Owner at a charge not to exceed $25 per additional report. ICC12.RR.VA.BFR.(0313ICC12.RR.VA.BBK.(0313) 1316