Any reallocations out of the Fixed Rate Strategy since the last Allocation Anniversary; less

Reallocation of value to or from the Fixed Rate Strategy and any Withdrawals or Surrenders; plus

You may allocate all or a portion of Premium and Accumulation Value to the Fixed Rate Strategy, if available, subject to the limits described above, and the value thereof will be calculated as described in [Section 5.4]. We reserve the right to restrict the allocation of Premium and Accumulation Value to the Fixed Rate Strategy at any time.

The initial Fixed Rate Strategy Minimum Guaranteed Value Interest Rate is shown in the Contract Schedule. It is set on the Contract Date and will not change for the number of Contract Years shown in the Contract Schedule. On each Contract Anniversary thereafter, the Fixed Rate Strategy Minimum Guaranteed Value Interest Rate will be set equal to the average of the five-year Constant Maturity Treasury Rate for each day that it is reported by the Federal Reserve during the month of October in the calendar year preceding the calendar year of the Contract Anniversary, less 1.25%. The Fixed Rate Strategy Minimum Guaranteed Value Interest Rate will be rounded to the nearest 0.05% and will not be greater than 3.00% or less than 1.00%.

You must specify the Fixed Rate Strategy, Index Segments and/or Subaccounts to which the transfers are to be made;

The percentage shown in the Contract Schedule of the portion of the Premium allocated to the Fixed Rate Strategy, less premium taxes, if applicable; adjusted for

On each day thereafter, the value associated with each Premium or allocation of Subaccount value or Index Segment value held in the Fixed Rate Strategy equals:

We may, at any time, defer payment of any Surrender or Withdrawal of amounts held in the Fixed Rate Strategy or allocated to the Index Segments for up to six months after we receive a request for it, contingent upon written approval by the insurance supervisory official in the jurisdiction in which this Contract is issued.

Accumulation Value is the sum of the value of the Fixed Rate Strategy, each Index Segment and each Subaccount to which Premium is allocated. See [Section 5.3] for further information.

Except as otherwise noted in the preceding paragraph, Additional Premium, if accepted, will be allocated among the available Fixed Rate Strategy, Subaccounts and/or Index Segments according to the most recent allocation instructions you have provided to us. See [[Sections 4.3, 4.4 and 4.5]5]5]]5]5].