Withdrawals

At any time during the lifetime of the Covered Person/Designated Participant and before the Account Maturity Date, the Participant may elect to receive a cash withdrawal payment from the Company, by filing with the Company, at its Administrative Office, a written election in such form as the Company may require. Any such election shall specify the amount of the withdrawal and will be effective on the date that it is received by the Company.

The Participant may request a full surrender or a partial withdrawal.

A full surrender will result in a cash withdrawal payment equal to the value of the Account at the end of the Valuation Period during which the election becomes effective less the account fee, plus or minus any applicable Market Value Adjustment, and less any applicable withdrawal charge.

A partial withdrawal (a payment of an amount less than that paid under a full surrender) will result in the cancellation of a portion of the Account Value equal to the dollar amount of the cash withdrawal payment, plus or minus any applicable Market Value Adjustment and plus any applicable withdrawal charge.

Please have the client complete a MFS Architect Withdrawal Request and Wire Transfer Instructions forms:

a. Partial Withdrawal:

Complete sections A, B, D, and E of the MFS Architect Withdrawal Request form and sections A, B and C of the MFS Architect Wire Transfer Instructions form.

b. Full Withdrawal:

Complete sections A, C, D, and E of the MFS Architect Withdrawal Request form and sections A, B and C of the MFS Architect Wire Transfer Instructions form.

In either case if the amount to be withdrawn is $100,000.00 or more we require the original MFS Architect Withdrawal Request form with the client(s) signature "signature guaranteed".

If the amount to be withdrawn is less than $100,000.00 the forms may be faxed to: 441-296-3181.

Notes:

All Participants on the account must sign the Withdrawal Request and Wire Transfer Instructions forms.

If a signature guarantee is required section E of the Withdrawal Form must be completed in its entirety by both the Participant(s) and the person who is providing the signature guarantee.

We will send funds only to a bank account in the name(s) of the Participant(s) or by check to the address of record.

The mailing address for original forms is:

Sun Life Financial
Washington House, 3rd Floor
16 Church Street
Hamilton HM 11
Bermuda

SLB-2830 0721 Exp. 0723