| ||Initial Minimum|
|Owner Transaction Expenses|| |
|Sales Load Imposed on Purchases||None|
|Partial Withdrawal Fee||None|
|State Premium Tax||None**|
|Annual Separate Account Expenses|| |
|Mortality and Expense Risk Charge||0.52%|
|Portfolio Operating Expenses (last fiscal year)||0.31%|
|Total, Separate Account and Portfolio Operating Expenses||0.83%|
* There is no charge for the first 12 exchanges each contract year; thereafter, we reserve the right to charge a fee of $10 per transfer.
** We will deduct from your premium payment any premium tax imposed on us by the state or locality where you reside. Premium taxes currently imposed on the contract by various states range from 0% to 1% of premium for qualified contracts and from 0% to 3.5% of premium for non-qualified contracts.