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TABLE OF CONTENTS <br />SECTION 1 - DEFINITIONS <br />3 <br />SECTION 2 - ADMINISTRATION OF THE CONTRACTHOLDER ACCOUNT 5 <br />2.1----- How Contributions Are Handled <br />2.2---- Transfers from Other Retirement Programs <br />2.3----- Excess Contributions <br />SECTION 3 - OPERATION OF FIXED INTEREST ACCOUNT <br />3.1----- Interest Crediting <br />3.2----- Provision of a Guaranteed Rate <br />3.3----- Minimum Rate Guarantee <br />3.4----- Allocation of Withdrawals <br />SECTION 4 - BENEFIT PAYMENTS <br />4.1----- Plan Benefit Payments <br />4.2----- Other Funding <br />SECTION 5 - ANNUITIES <br />5.1----- Annuity Purchases <br />5.2----- Annuity Options <br />5.3----- Determining Annuity Amount <br />5.4----- Proof of Age and Survival; Minimum Payments <br />5.5----- Annuity Certificates <br />SECTION 6 - OTHER CONTRACT CHARGES <br />6.1----- Other Charges <br />6.2----- Taxes <br />SECTION 7 - CONTRACT MODIFICATIONS <br />7.1----- Contract Amendment <br />7.2----- Rates and §6 Charges <br />7.3----- Conformance with Law <br />7.4----- Our Right to Initiate Changes <br />7.5----- Prohibited Amendments <br />SECTION 8 - TERMINATION OF CONTRACT <br />8.1----- Termination by Either Party <br />8.2----- Payment Upon Termination <br />8.3----- Indemnification Required <br />8.4----- Effect on Contract Obligations <br />GB8.OM-KuFIA3121 SpPport (SBR-NR457) <br />7 <br />E <br />10 <br />11 <br />12 <br />Cel <br />