Common use of Allowances for Commissions and Expenses Clause in Contracts

Allowances for Commissions and Expenses. The Reinsurer will pay the Ceding Company Allowances for Commissions and Expenses for each Accounting Period, equal to (i) plus (ii) plus (iii) plus (iv) plus (v) plus (vi), where: (i) equals (a) times (b), where: (a) equals $7.50 times the quota share percentage of the annuities reinsured hereunder, as described in Schedule A; and (b) equals the number of annuities reinsured hereunder and described in Schedule A, and inforce at the end of the current Accounting Period; (ii) equals .0125 percent times that portion of the account value of the annuities reinsured hereunder which corresponds to the portion of the annuities reinsured hereunder as of the end of the current Accounting Period; (iii) equals the Trailer Commission, as defined below, times that portion of the account value of the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; (iv) equals (a) times (b), where: (a) equals the Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, with respect to the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A; and (b) equals, - for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 5.33 percent, and - for the Accounting Periods beginning January 1, 1995 and thereafter, 7 percent; -13- 73 (v) equals .25 percent times that portion of the account value, attributable to purchase payments received by the Ceding Company thirteen (13) months or more prior to their trailer commission payment dates, of the Venture Vision annuities reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; and (vi) equals (a) times (b), where: (a) equals the portion of Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, received by the Ceding Company thirteen (13) months or more after the issue date of each Venture Vision annuity reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A; and (b) equals, - for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 1.83 percent, and - for the Accounting Periods beginning January 1, 1995 and thereafter, 3.5 percent. The Trailer Commission for Venture Variable Annuity 3 annuities for each Accounting Period is defined below: For Accounting Periods Ending During Trailer Commission 1994 .04% 1995 .05% 1996 .055% 1997 and thereafter .0625%

Allowances for Commissions and Expenses. The Reinsurer will pay the Ceding Company Allowances for Commissions and Expenses for each Accounting Period, equal to (i) plus (ii) plus (iii) plus (iv) plus (v) plus (vi), where: (i) equals (a) times (b) times (c), where: (a) equals $7.50 times the quota share percentage of the annuities reinsured hereunder, as described in Schedule A; and; (b) equals the number of annuities reinsured hereunder and described in Schedule A, and inforce at the end of the current Accounting Period;; and (c) equals the total account value invested in variable accounts with respect to the annuities reinsured hereunder, divided by the total account value invested in fixed and variable accounts with respect to the annuities reinsured hereunder; and (ii) equals .0125 percent times that portion of the account value of the annuities reinsured hereunder which corresponds to the portion of the annuities reinsured hereunder as of the end of the current Accounting Period; (iii) equals the Trailer Commission, as defined below, times that portion of the account value of the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; (iv) equals (a) times (b), where: (a) equals the Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, with respect to the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds -4- 138 to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A; and (b) equals, - for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 5.33 percent, and - for the Accounting Periods beginning January 1, 1995 and thereafter, 7 percent; -13- 73; (v) equals .25 percent times that portion of the account value, attributable to purchase payments received by the Ceding Company thirteen (13) months or more prior to their trailer commission payment dates, of the Venture Vision annuities reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; and (vi) equals (a) times (b), where: (a) equals the portion of Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, received by the Ceding Company thirteen (13) months or more after the issue date of each Venture Vision annuity reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A; and (b) equals, and - for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 1.83 percent, and - for the Accounting Periods beginning January 1, 1995 and thereafter, 3.5 percent. The Trailer Commission for Venture Variable Annuity 3 annuities for each Accounting Period is defined below: For Accounting Periods Ending During Trailer Commission --------------------- ------------------ 1994 .04% 1995 .05% 1996 .055% 1997 and thereafter .0625%

Allowances for Commissions and Expenses. The For Accounting Periods beginning January 1, 1996 and thereafter, the Reinsurer will pay the Ceding Company Allowances for Commissions and Expenses for each Accounting Period, equal to (i) plus (ii) plus (iii) plus (iv) plus (v) plus (vi), where: (i) equals (a) times (b) times (c) times (d), where: (a) equals: - for the Accounting Periods beginning January 1, 1996 through December 31, 1996 only, $8.4375; and - for the Accounting Periods beginning January 1, 1997 and thereafter, ($8.4375 x 1.04 n), where n equals $7.50 times the number of calendar years which have occurred since January 1, 1996; (b) equals the quota share percentage of the annuities reinsured hereunder, as described in Schedule A; and; (bc) equals the number of annuities reinsured hereunder and described in Schedule A, and inforce enforce at the end of the current Accounting Period;; and (ii) equals .0125 percent times that portion of the account value of the annuities reinsured hereunder which corresponds to the portion of the annuities reinsured hereunder as of the end of the current Accounting Period; (iii) equals the Trailer Commission, as defined below, times that portion of the account value of the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; (iv) equals (a) the Renewal Commission Rate, as defined below, times (b), where: (a) equals that portion of the Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, gross renewal premiums collected by the Ceding Company with respect to the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A; and (b) equals, - for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 5.33 percent, and - for the Accounting Periods beginning January 1, 1995 and thereafter, 7 percent; -13- 73; (v) equals .25 percent times that portion of the account value, attributable to purchase payments received by the Ceding Company thirteen (13) months or more prior to their trailer commission payment dates, of the Venture Vision annuities reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; and (vi) equals (a) the Renewal Commission Rate, as defined below, times (b), where: (a) equals the that portion of Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, the gross renewal premiums received by the Ceding Company 5 155 thirteen (13) months or more after the issue date of each Venture Vision annuity reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A; and (b) equals, - for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 1.83 percent, and - for the Accounting Periods beginning January 1, 1995 and thereafter, 3.5 percent. A. The Trailer Commission for Venture Variable Annuity 3 annuities for each Accounting Period is defined below: For Accounting Periods Ending During Trailer Commission 1994 .04% 1995 .05% 1996 .055% 1997 and thereafter .0625%:

Allowances for Commissions and Expenses. The Reinsurer will pay the Ceding Company Allowances for Commissions and Expenses for each Accounting Period, equal to (i) plus (ii) plus (iii) plus (iv) plus (v) plus (vi), where: (i) equals (a) times (b), where: (a) equals $7.50 times the quota share percentage of the annuities reinsured hereunder, as described in Schedule A; and (b) equals the number of annuities reinsured hereunder and described in Schedule A, and inforce at the end of the current Accounting Period; (ii) equals .0125 percent times that portion of the account value of the annuities reinsured hereunder which corresponds to the portion of the annuities reinsured hereunder as of the end of the current Accounting Period; (iii) equals the Trailer Commission, as defined below, times that portion of the account value of the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; (iv) equals (a) times (b), where: (a) equals the Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, with respect to the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A; and (b) equals, - o for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 5.33 percent, and - o for the Accounting Periods beginning January 1, 1995 and thereafter, 7 percent; -13- 73; (v) equals .25 percent times that portion of the account value, attributable to purchase payments received by the Ceding Company thirteen (13) months or more prior to their trailer commission payment dates, of the Venture Vision annuities reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; and (vi) equals (a) times (b), where: (a) equals the portion of Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, received by the Ceding Company thirteen (13) months or more after the issue date of each Venture Vision annuity reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A; and (b) equals, - o for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 1.83 percent, and - o for the Accounting Periods beginning January 1, 1995 and thereafter, 3.5 percent. The Trailer Commission for Venture Variable Annuity 3 annuities for each Accounting Period is defined below: For Accounting Periods Ending During Trailer Commission 1994 .04% 1995 .05% 1996 .055% 1997 and thereafter .0625%:

Allowances for Commissions and Expenses. The Reinsurer will pay the Ceding Company Allowances for Commissions and Expenses for each Accounting Period, subsequent to the initial Accounting Period, equal to (i) plus (ii) plus (iii) plus (iv) plus (v) plus (vi), where: (i) equals (a) times (b), where: (a) equals $7.50 times the quota share percentage of the annuities reinsured hereunder, hereunder as described in Schedule A; and (b) equals the number of annuities reinsured hereunder and described in Schedule A, and inforce at the end of the current Accounting Period; (ii) equals .0125 percent times that portion of the account value of the annuities reinsured hereunder which corresponds to the portion of the annuities reinsured hereunder as of the end of the current Accounting Period; (iii) equals the Trailer Commission, as defined below, times that portion of the account value of the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; (iv) equals (a) times (b), where: (a) equals the Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, with respect to the Venture Variable Annuity 3 annuities reinsured hereunder which corresponds to the portion of the Venture Variable Annuity 3 annuities reinsured hereunder and described in Schedule A; and (b) equals, - for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 5.33 percent, and - for the Accounting Periods beginning January 1, 1995 and thereafter, 7 percent; -13- 73 (viv) equals .25 percent times that portion of the account value, attributable to purchase payments received by the Ceding Company thirteen (13) months or more prior to their trailer commission payment dates, of the Venture Vision annuities reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A, as of the end of the current Accounting Period; and (vi) equals (a) times (b), where: (a) equals the portion of Reinsurance Premiums, determined in accordance with Article II, Paragraph 2, received by the Ceding Company thirteen (13) months or more after the issue date of each Venture Vision annuity reinsured hereunder which corresponds to the portion of the Venture Vision annuities reinsured hereunder and described in Schedule A; and (b) equals, - for the Accounting Periods beginning January 1, 1994 through October 1, 1994, 1.83 percent, and - for the Accounting Periods beginning January 1, 1995 and thereafter, 3.5 percent. The Trailer Commission for Venture Variable Annuity 3 annuities for each Accounting Period is defined below: For Accounting Periods Ending During Trailer Commission --------------------- ------------------ 1994 .04% 1995 .05% 1996 .055% 1997 and thereafter .0625%