Ex. 99-B.4.7

THE VARIABLE FEATURES OF THE GROUP CONTRACT ARE DESCRIBED IN PARTS III AND V.

The Contract Holder may cancel this Contract within 10 days of receiving it by returning this Contract along with a written notice to the Company at one of the above addresses or to the agent from whom it was purchased. Within 7 days after it receives the notice of cancellation and this Contract at its Home Office, or Service Center, the Company will return the entire consideration paid plus any increase or minus any decrease in the current value of any funds allocated to the Separate Account.

Signed on the Effective Date.

Group Variable, Fixed or Combination Annuity Contract

Nonparticipating

G-CDA-05(TORP)FL

This Contract is a legal Contract. This Contract and any attached document and subsequent endorsements constitutes the entire legal relationship between the Company and the Contract Holder.

This Contract sets forth, in detail, all of the rights and obligations of both you and the Company. IT IS, THEREFORE, IMPORTANT THAT YOU READ THIS CONTRACT CAREFULLY.

Variable Annuity Account I

A daily charge is deducted from any portion of the Current Value allocated to the Separate Account. The daily charge is at an annual effective rate that will not exceed 1.00% for Annuity mortality and expense risks, 0.00% for asset based sales charge and a daily administrative charge which will not exceed 0.25% on an annual basis.

3% (effective annual rate of return).

The 20% limit applicable to partial withdrawal from the Fixed Plus Account will be waived when the withdrawal is:

Is Available

The Specified Payment may not be greater than 20% of the Individual Account's Current Value at the time of election.

The Specified Period may not be less than five years.

The Specified Percentage may not be greater than 20%.

Is Available

Is Available

See Section 1. - DEFINITIONS for explanations.

Maximum number of allowable transfers in the Annuity Period is 4.

A daily charge at an annual effective rate that will not exceed 1.25% for Annuity mortality and expense risks. The administrative charge is established upon election of an Annuity option. This charge will not exceed 0.25%.

If a Variable Annuity is chosen, an assumed annual net return rate of 5.0% may be elected. If 5.0% is not elected, the Company will use an assumed annual net return rate of 3.5%.

The assumed annual net return rate factor for 3.5% per year is 0.9999058.

The assumed annual net return rate factor for 5.0% per year is 0.9998663.

If the portion of a Variable Annuity payment for any Fund is not to decrease, the Annuity return factor under the Separate Account for that Fund must be:

Under the option "Payments for a Stated Period of Time":

For amounts invested in one or more of the Fund(s), the number of years must be at least five (5) and not more than thirty (30) and the Annuity may be a Fixed or Variable Annuity.

For amounts invested in the Fixed Plus Account, the number of years must be at least five (5) and not more than thirty (30) and the Annuity must be a Fixed Annuity.

3% (effective annual rate of return).

See Section 1. - DEFINITIONS for explanations.

Values illustrated are based on monthly purchase payments of $100 and a minimum interest rate of 3%.

Full withdrawal is available in certain limited situations as described in the Contract. Otherwise, no full withdrawal is available under this option.

The payout schedule is as follows:

1/5 of Fixed Plus account current value at the time requested - the 1/5 is reduced by any amount from the Fixed Plus Account that was transferred, withdrawn or used for a loan or to purchase Annuity Benefits during the prior 12 months;

1/4 of remaining value of Fixed Plus account current value 12 months later. The 1/4 is reduced by any amount from the Fixed Plus Account that was transferred, withdrawn or used for a loan or to purchase Annuity Benefits during the prior 12 months;

1/3 of remaining value of Fixed Plus account current value 12 months later. The 1/3 is reduced by any amount from the Fixed Plus Account that was transferred, withdrawn or used for a loan or to purchase Annuity Benefits during the prior 12 months;

1/2 of remaining value of Fixed Plus account current value 12 months later. The 1/2 is reduced by any amount from the Fixed Plus Account that was transferred, withdrawn or used for a loan or to purchase Annuity Benefits during the prior 12 months;

and the balance value of Fixed Plus account current value 12 months later. The balance is reduced by any amount from the Fixed Plus Account that was transferred, withdrawn or used for a loan or to purchase Annuity Benefits during the prior 12 months.

The period during which Net Contribution(s) are applied to an Individual Account.

The Current Value (See 1.09) of an Individual Account (See 1.16).

If an Annuity provides lifetime benefits, the person whose life expectancy determines the amount and/or duration of Annuity benefit payments.

Payment of an income under the Annuity Provisions of Section V:

The person(s) named to receive any benefits which remain under the Contract after the Participant's death. Participants designate a Beneficiary for their Individual Account(s). (See 2.07)

The Internal Revenue Code of 1986, as amended.

The entity, named on the cover of this Contract, to which the Contract is issued.

A payment received at the Company's Service Center and allocated to this Contract.

For an Individual Account (See 1.16), the Current Value is the total of:

If offered as an investment option under the Contract (see Contract Schedule I) the Fixed Plus Account is an accumulation option with a guaranteed minimum interest rate. The Company may credit a higher rate which is not guaranteed. The portion that may be withdrawn or transferred in a 12 month period is restricted (See 3.07, 3.12 and 3.13).

If the Fixed Plus Account is an investment option under the Plan (see Contract Schedule I) then the Company will add interest at an annual rate no less than that shown on Contract Schedule I on any Net Contribution(s) to the Fixed Plus Account. The Company may add interest at a higher rate determined by its Board of Directors.

An Annuity with payments that do not vary in amount.

The open-end registered management investment companies whose shares are purchased by the Separate Account to fund the benefits provided by the Contract.

The movement of invested amounts among the available Fund(s) and the Fixed Plus Account (if available).

The account holding the assets of the Company, other than those assets held in the Company's Separate Account(s).

This Contract is issued to the Contract Holder. However, the Company will maintain Individual Accounts for each Participant to keep a record of Current Value (See 1.09) and transactions. These may include:

A Contribution less any applicable premium taxes.

A person who participates in the Plan named on the cover of this Contract.

The Plan named on the cover of this Contract and established under Section 403(b) of the Code. The Plan is not a part of the Contract and the Company is not bound by its terms.

An account, established by the Company under Connecticut Law, that buys and holds shares of the Fund(s) available under this Contract. Income, gains or losses, realized or unrealized are credited or charged to the Separate Account without regard to other income, gains or losses of the Company. The Company owns the assets held in the Separate Account and is not a trustee of such amounts. Amounts in the Separate Account are not generally guaranteed and are held at market value. The assets of the Separate Account, to the extent of reserves and other Contract liabilities of the Separate Account, cannot be charged with other Company liabilities.

The date and time on which a Fund annuity unit value and a Fund record unit value are calculated. Currently, this calculation will be determined at the close of business of the New York Stock Exchange on any normal business day, Monday through Friday, that the New York Stock Exchange is open.

The period of time commencing at the end of one Valuation Date and ending at the end of the next Valuation Date.

An Annuity with payments that vary with the net investment results of the Funds available during the Annuity period.

Only an authorized officer of the Company may change the terms of this Contract. The Company reserves the right to modify this Contract to meet the requirements of applicable state and federal laws or regulations. The Company will notify the Contract Holder in writing of any changes.

The Company may change the tables for determining the amount of Annuity benefit payments attributable only to Contributions accepted after the effective date of change, without Contract Holder consent. Such a change will not become effective earlier than twelve months after (1) the effective date of the Contract, or (2) the effective date of a previous change. The Company will notify the Contract Holder in writing at least thirty days before the effective date of the change. The Company may not make Contract changes which adversely affect the Annuity benefits attributable to Contributions already made to the Contract.

The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, the Company may cease to make such Fund shares available for investment under the Contract prospectively, or the Company may substitute shares of another Fund for shares already acquired. The Company may also, from time to time, add additional Funds. Any elimination, substitution or addition of Funds will be done in accordance with applicable state and federal securities laws. The Company reserves the right to substitute shares of another Fund for shares already acquired without a proxy vote.

The Contract Holder, Participants, or Beneficiaries will not have a right to share in the earnings of the Company.

This Contract complies with the laws of the state in which it is delivered. Any cash, death or Annuity payments are equal to or greater than the minimum required by such laws. Annuity tables for legal reserve valuation shall be as required by state law. Such tables may be different from Annuity tables used to determine Annuity payments.

This Contract is designed to fund a plan which provides for retirement income.

The Contract Holder may, by written direction to the Company, allow Participants to select the investment options of their Employer and/or Employee Accounts. Choices made under this Contract must be in writing or in a form satisfactory to the Company. Until receipt of such choices in its Service Center, the Company may rely on any previous choices made. An in-service transfer pursuant to IRS Revenue Ruling 90-24, may be made only by written direction from the Contract Holder and Participant to the Company. Checks for in-service transfers will be made payable only to the acquiring investment provider.

The Participant shall designate a Beneficiary.

If the Company finds the age of any payee to be misstated, the correct facts will be used to adjust payments.

The Company cannot cancel this Contract because of any error of fact.

This Contract will remain in effect even if Contributions are not continued except as provided in 3.14.

The Company shall issue certificates to Participants as required by the state in which this Contract is delivered. The certificate will summarize certain provisions of the Contract. Certificates are for information only and are not a part of the Contract.

The Contribution(s) made to the Employee and Employer Account in any year, other than transferred amounts, cannot exceed the lesser of the amount determined under the exclusion allowance of Code Section 403(b)(2) or the annual additions limitation of Code Section 415(c)(1). In addition, in no event may the Contribution(s) attributable to elective deferrals as defined in Code Section 402(g) exceed $10,000 (or, such larger amount as adjusted by the Secretary of the Treasury) during any calendar year, unless the alternate limitation of Code Section 402(g)(8) applies.

The Net Contribution equals the actual Contribution less any applicable premium tax. Generally, the Company will deduct the premium tax when Annuity benefits are purchased (See Section V). If the Company determines that under applicable state law, it must pay a premium tax when the Contribution is received, or at any other time, it may deduct the tax at that time. The Net Contribution(s) may be allocated among the following investment options:

The Company must be told the percentage of all Net Contributions to allocate to one or more of the investment options. The Company reserves the right to require a minimum Contribution amount per Individual Account.

The Company reserves the right not to accept any Contribution.

The Company may apply experience credits under this Contract. Any such credits will be computed as decided by the Company.

The portion of the Net Contribution(s) applied to each Fund under the Separate Account will determine the number of Fund record units credited to the Individual Account for that Fund. This number is equal to the Net Contribution applied to the Fund divided by the Fund record unit value (See 3.05) for the Valuation Period in which the Contribution is received in good order.

A Fund record unit value is computed by multiplying the net return factor (See 3.06) for the current Valuation Date by the Fund record unit value for the previous Date. The dollar value of a Fund record unit, Separate Account assets, and Variable Annuity payments may go up or down due to investment gain or loss.

The net return factor(s) are used to compute all Separate Account record units for any Fund. The net return factor for each Fund is equal to 1.0000000 plus the net return rate.

The net return rate is equal to:

A net return rate may be more or less than 0%.

The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

All or any portion of the Adjusted Current Value of the Individual Account (subject to the limitations described below) may be transferred from any Fund or the Fixed Plus Account (if available).

Fund Transfers can be submitted as a percentage or as a dollar amount. The Company may establish a minimum Fund Transfer amount.

During each rolling twelve (12) month period, up to 20% of the Fixed Plus Account value may be transferred to one or more of the Fund(s). The 20% limit is reduced by any partial withdrawals, Fund Transfers or amounts taken to purchase an Annuity during the twelve(12) month period. The Company reserves the right to include amounts paid under ECO, ▇▇▇ and SWO for purposes of applying this 20% limit. This limit is waived when the balance in the Fixed Plus Account is $1,000 or less on the date the Fund Transfer request is received in good order at the Company's Service Center.

The Participant may make an unlimited number of Fund Transfers during the Accumulation Period.

Each year, the Company will notify the Participant of:

This information will be as of a date no more than sixty (60) days before the date of the notice.

Limitations apply to withdrawals of any Restricted Amount from this Contract, as required by Code Section 403(b)(11). The Restricted Amount is the sum of:

The Restricted Amount may be fully or partially surrendered only if one or more of the following conditions are met:

A full or partial withdrawal is also allowed if the Participant incurs a "hardship" as that term is defined in the Code or regulations under Code Section 403(b).

However, the amount available for hardship is limited to the lesser of the amount necessary to satisfy the need, or the Net Contributions attributable to Participant salary reduction contributions made on and after January 1, 1989.

The Contract Holder must certify that one of these conditions has been met before a withdrawal request will be considered to be in good order. The Contract Holder must notify the Company in writing when a lump sum payment is to be made or Annuity payments are to commence. Also, for all withdrawals, the Contract Holder must certify in writing that they are being made in accordance with the Plan.

If, pursuant to IRS Revenue Ruling 90-24, the Company agrees to accept under this Contract amounts transferred from a Code Section 403(b)(7) custodial account, such amounts will be subject to the withdrawal restrictions set forth in Code Section 403(b)(7)(A)(ii).

The amount eligible for partial withdrawal is 20% of the Current Value of the amount held in the Fixed Plus Account on the day the Company's Service Center receives a written request, reduced by any previous Fund Transfer, partial withdrawal or amounts taken to purchase Annuity benefits during the prior 12 months. The Company reserves the right to include amounts paid under ECO, ▇▇▇ and SWO for purposes of applying this 20% limit. However, SWO and ▇▇▇ are unavailable if a Fixed Plus Account Transfer or withdrawal is requested within the current 12-month period.

The 20% limit applicable to partial withdrawals from the Fixed Plus Account will be waived under certain conditions and will apply when the partial withdrawal is made on a pro rata basis from all options used under the Participant's Individual Account. (See Contract Schedule I).

When the Company receives a full withdrawal request, no additional partial withdrawals or Fund Transfers from the Fixed Plus Account are permitted during the payout period. If a full withdrawal is requested, the Company will pay any Current Value from the Fixed Plus Account in five payments as follows:

The Fixed Plus Account full withdrawal payment provision will be waived when a withdrawal is:

Any full withdrawal from the Fixed Plus Account may be cancelled at any time before the end of the payment period.

If the Individual Accounts Current Value is less than $3,500, and no Contributions have been received for three (3) years, the Company may close the Account and pay the Current Value as directed by the Contract Holder in one lump sum.

The Company will pay any portion of the Individual Account(s) Current Value, to the Beneficiary when:

A guaranteed death benefit is available if the Beneficiary requests either a lump-sum payment or an Annuity option within six months of the Participant's death.

For each Individual Account, the death benefit is guaranteed to be the greater of:

If the Participant dies before distributions begin in accordance with the provisions of Code Section 401(a)(9), the entire value of the Account must be distributed by December 31 of the calendar year containing the fifth anniversary of the date of the Participant's death. Alternatively, if the Participant has a designated Beneficiary, payments may be made over the life of the Beneficiary or over a period not extending beyond the life expectancy of the Beneficiary provided distribution to a non-spouse Beneficiary begins by December 31 of the calendar year following the calendar year of the Participant's death. For a spousal Beneficiary, such payments must begin by the later of December 31 of the calendar year following the calendar year of the Participant's death or December 31 of the calendar year in which the Participant would have attained age 70 1/2.

If the Participant dies after distributions begin in accordance with the provisions of Code Section 401(a)(9), payments to the Beneficiary must be made at least as rapidly as the method of distribution in effect at the time of the Participant's death. If the minimum distribution requirements have been met by partial withdrawals based on the participant's life expectancy or the joint life expectancies of the Participant and Beneficiary, death benefit payments to the Beneficiary must also satisfy any additional requirements of Code Section 401(a)(9).

All or a portion of the proceeds of a full withdrawal of an Individual Account may be reinvested within 30 days after the surrender if allowed by law. Amounts will be reinstated among the Fixed Plus Account and the Fund(s) in the same proportion as they were at the time of withdrawal. The number of record units reinstated will be based on the record unit value(s) next computed after receipt at the Company's Service Center of the reinstatement request and the amount to be reinvested.

Any Individual Account(s) closed because the Current Value was less than $3,500 may not be reinstated (see 3.14).

A Reinstatement is permitted only once per Individual Account.

Distribution Options: ECO, ▇▇▇ and SWO are distribution options under which a portion of the Individual Account Current Value will automatically be surrendered and distributed each calendar year. The distributed amount is withdrawn pro rata from each investment option under the Individual Account. The Contract Holder must certify in writing that distributions are being made in accordance with the Plan.

Minimum Current Value: At its discretion, the Company may require a minimum initial Current Value for election of a distribution option. If after election of the option the Current Value is insufficient to make a scheduled payment, the Company will distribute the entire Individual Account balance.

Reservations of Rights: The Company reserves the right to change the terms of ECO, ▇▇▇ or SWO for future elections, to discontinue the availability of these options after proper notification, or to make other distribution options available as allowed by the state in which this Contract is delivered. The Company also reserves the right to allow ECO and ▇▇▇ payments to be made more frequently than annually.

Election and Revocation: The Participant or Beneficiary may elect a distribution option by submitting a completed and signed election form to the Company's Service Center. However, the Contract Holder must certify in writing that the distribution option is in accordance with the terms of the Plan. Once elected, the Participant or Beneficiary may revoke the option by submitting a written request to the Company's Service Center. Any revocation will apply only to amounts not yet paid.

Availability of ECO, ▇▇▇ and SWO: The Participant may elect any one of the following three distribution options, if they are available as an option under the Contract (see Contract Schedule I) and if the Contract Holder certifies that the election is in accordance with the terms of the Plan. The Beneficiary may elect either ECO or SWO, if they are available as an option under the Contract (see Contract Schedule I) and if the Contract Holder certifies that the election is in accordance with the terms of the Plan.

An individual who has revoked ECO, ▇▇▇ or SWO may not subsequently elect that option again, nor may the individual elect another withdrawal option unless permitted under the Code minimum distribution rules.

▇▇▇ and SWO are not available if a Fixed Plus Account transfer or surrender has occurred within the prior 12-month period.

If ▇▇▇ is in effect and the Participant dies, or if ECO or SWO is in effect and the Participant dies before the required beginning date for minimum distributions, payments will cease. A Beneficiary may elect ECO or SWO provided the election satisfies the Code minimum distribution rules.

If ECO or SWO is in effect and the Participant dies after the required beginning date for minimum distributions, payments will continue as permitted under the Code minimum distribution rules, unless revoked.

Amount of Distribution: Each year that ECO is in effect, the Company will calculate and distribute an amount equal to the minimum required distribution under the Code. The annual distribution will be determined by dividing the Individual Account Current Value as of December 31 of the year prior to the year for which payment is to be made by a life expectancy factor based on expected return multiples in Table V and VI of Section 1.72-9 of the Income Tax Regulations.

If the Company maintains separate records of the value as of December 31, 1986, payments made during or after the year in which the Participant attains age 70 1/2 and before the year the Participant attains age 75, will only be calculated on amounts contributed after December 31, 1986, plus all earnings on all amounts after that date. If age 70 1/2 was attained prior to 1988, the Participant must be retired in order to qualify for this exception.

The Participant may elect either the single or joint life expectancy factor. If the joint life expectancy factor is elected, the second life must be the Beneficiary under the Plan. If the Beneficiary selects ECO after the Participant's death, only a single life expectancy factor may be used. The life expectancy or joint life expectancy factor will be recalculated each year in accordance with the rules under Code Section 401(a)(9).

Date of Distribution: The Participant shall specify the initial distribution date. The earliest date is the first day of the calendar year in which the Participant attains age 70 1/2 or retires, whichever is later. If a Beneficiary elects ECO, the earliest date is the date of the Participant's death. Subsequent distribution will be made annually on such date as the Company may designate or allow.

Amount of Distribution: Each year that ▇▇▇ is in effect, the Company will calculate and distribute an amount determined by dividing the Individual Account Current Value as of December 31 of the year prior to the year for which payment is to be made by a life expectancy factor based on expected return multiples in Table V and VI of Section 1.72-9 of the Income Tax Regulations. Payments will be made each year until the year the Participant attains age 70 1/2, or until the Participant dies, if earlier.

The Participant may elect either the single or joint life expectancy factor. If the joint life expectancy factor is elected, the second life must be the Beneficiary under the Plan. The life expectancy or joint life expectancy factor will be recalculated each year in accordance with the rules under Code Section 401(a)(9), or reduced by one for each calendar year which has elapsed since the life expectancy was first calculated, as elected by the Participant.

Date of Distribution: The Participant shall specify the initial distribution date. The earliest date is the date on which the Participant separates from service with the employer. Subsequent distribution will be made annually on such date as the Company may designate or allow.

Amount of Distribution: The Participant may elect one of the three payment methods described below.

Minimum Distribution Requirements: If distributions are made under SWO after payments are required to begin under the minimum distribution requirements of Code Section 401(a)(9), the amount distributed in any year will be increased if required under the Code minimum distribution rules.

For this purpose, the minimum required distribution will be determined each year by dividing the Individual Account Current Value as of December 31 of the year prior to the year for which payment is to be made by a life expectancy factor, which for the initial distribution year shall be based on either the single life expectancy factor or joint life expectancy factor in Table V or VI of Section 1.72.9 of the Income Tax Regulations, as elected by the Participant. If the joint life expectancy factor is elected, the second life must be the Beneficiary under the Plan. If a Beneficiary elects SWO after the Participant's death, only a single life expectancy factor may be used. Minimum distributions for any subsequent year will be calculated based on such life expectancy factor reduced by one for each calendar year which has elapsed since the life expectancy was first calculated. If the specified period method is elected, the maximum specified period will be limited by the single life expectancy factor or joint life expectancy factor in Table V or VI of Section 1.72-9 of the Income Tax Regulations, as elected by the Participant. If elected by a Beneficiary, only a single life expectancy may be used.

Date of Distribution: The Participant shall specify the initial distribution date. The earliest date is the date on which the Participant attains age 59 1/2 or age 55, if separated from service with the employer at or after age 55. If a Beneficiary elects SWO, the earliest date is the date of the Participant's death.

SWO payments will be made on a monthly, quarterly, semi-annual or annual basis, as elected by the Participant or Beneficiary. If SWO payments are made more frequently than annually, the designated annual amount is divided by the number of payments due each calendar year. Subsequent distribution will be made periodically on such date as the Company may designate or allow.

Option 1 - Payments for a Stated Period of Time.

An Annuity will be paid for the number of years chosen (See Contract Schedule II). If payments for this option are made under a Variable Annuity, the present value of any remaining payments may be withdrawn at any time.

Option 2 - Life Income based on the life of the Annuitant.

Payments will be made until the death of the Annuitant. When this option is chosen, a choice of the following must be made:

Option 3 - Life Income based upon the lives of two Annuitants.

An Annuity will be paid during the lives of the Annuitant and a second Annuitant. Payments will continue until both Annuitants have died. When this option is chosen, a choice of the following must be made:

If a Fixed Annuity option is chosen under Option 1, Option 2 (a) or (b) or Option 3 (a) or (d), then the Participant may elect a payment increase of 1, 2 or 3%, compounded annually. An election of such a payment increase will result in an adjustment of the policy guarantees by an actuarially equivalent payment factor.

Other Options - The Company may make other options available as allowed by the laws of the state in which this Contract is delivered.

If a Fixed Annuity is chosen, the Annuity purchase rate for the option chosen reflects at least the Minimum Guaranteed Interest Rate (See Contract Schedule II), but may reflect a higher interest rate.

If a Variable Annuity is chosen, the initial Annuity payment for the option chosen reflects the Assumed Annual Net Return Rate elected (See Contract Schedule II). The Assumed Annual Net Return Rate is the interest rate used to determine the amount of the first Annuity payment under a Variable Annuity. The Separate Account must earn this rate plus enough to cover the mortality and expense risks charges (which may include profit) (at the annual rate shown on Contract Schedule II) and a daily administrative charge if future Variable Annuity payments are to remain level.

The number of Fund(s) annuity units is based on the amount of the first Variable Annuity payment which is equal to:

Such amount, or portion, of the variable payment will be divided by the appropriate Fund(s) Annuity unit value (See 5.06) on the tenth Valuation Date before the due date of the first payment to determine the number of each Fund Annuity units. The number of each Fund Annuity units remains fixed. Each future payment is equal to the sum of the products of each Fund Annuity unit value multiplied by the appropriate number of Units. The Fund Annuity unit value on the tenth Valuation Date prior to the due date of the payment is used.

For any Valuation Date, a Fund(s) Annuity unit value is equal to:

The dollar value of a Fund Annuity unit and Annuity payments may go up or down due to investment gain or loss. Payments shall not be changed due to changes in the mortality or expense results or administrative charges.

The Annuity net return factor(s) are used to compute all Separate Account Annuity payments for any Fund.

The Annuity net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate.

The net return rate is equal to:

A net return rate may be more or less than 0%. The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

At the request of the Contract Holder or the Participant if the Contract Holder has directed the Company to accept such a request from the Participant, all or any portion of the Current Value may be transferred from any variable Fund to any other allowable Fund. The Company reserves the right to allow no more than four Funds to be selected at any one time. Fund Transfers will be processed as of the Valuation Date next following when a transfer request is received in good order at the Company's Service Center. The maximum number of allowable transfers (during the Annuity period) in a calendar year is shown on Contract Schedule II.

Fund Transfer requests must be expressed as a percentage of each Fund's allocation to the Annuity payment. The Company may establish a minimum transfer amount.

Upon the death of the Annuitant(s), any remaining guaranteed payments will continue to the Beneficiary unless the Beneficiary elects to receive the present value of any remaining guaranteed payments in a lump sum. Such payments will be paid at least as rapidly as under the method of distribution then in effect. If the Beneficiary dies while receiving payments, the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary's estate.

The interest rate used to determine the first Annuity payment will be used to calculate the present value. The present value will be determined as of the Valuation Period in which proof of death acceptable to the Company and a request for payment is received at the Company's Service Center.

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

G-CDA-05(TORP)FL