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If you surrender your Contract at the end of the time periods shown below, you would pay the following expenses on a $1,000 investment, assuming 5% annual return on assets:

Enterprise Balanced- After 1 year $88 After 3 years $149 After 5 years $211 After 10 years $348

I don't think all those charges are surrender charges, altho surrender charges are apparently included because of the high charge after 1 year: nearly 8.4%.

I think they are starting with $1,000, adding 5% annual growth per year, taking out the annual maintenance fees, and then assuming you surrender the contract at various points in time, they also take out the surrender charge appropriate for that period.

They said they are assuming 5% return on assets per year; they are probably assuming something like 1.4% in maintenance charges per year, and it looks like the surrender charge after a year is 7%. (That's just a guess, based on the numbers you posted. The actual rates will be stated in the prospectus, and sales materials.)

Any mutual fund that shows their results this way will have a few hundred dollars in charges over the first ten years -- the Vanguard S&P Index Fund, at 0.018% per year, would have charged over $200.

You still need to review the prospectus -- they must define their actual surrender charges at various points, and when you decide to "cash out" you can at least be aware whether waiting a week or so might save you some money.

Hope this helps!
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