ARTICLE III
INDIVIDUAL ACCOUNTS

Section 5: Limitation of Accounts. In no event and at no time shall the total amounts in all Individual Accounts, plus amounts previously established for expenses and reserves at the time, exceed the total net assets of the Fund. Should such an event occur, then all existing Individual Accounts shall automatically be proportionately reduced so that the total of all Individual Accounts plus amounts established for expenses and reserves is no more than the Fund's total net assets.