Common use of ANNUITY BENEFIT PAYMENT GUARANTEE OPTIONS Clause in Contracts

ANNUITY BENEFIT PAYMENT GUARANTEE OPTIONS. If a life Annuity Option has been elected, the Owner may also select one of the following guarantees: PAYMENTS GUARANTEED FOR A SPECIFIED NUMBER OF YEARS Periodic guaranteed payments for a period of 5 to 30 years, or any other period currently made available by the Company. CASH BACK: Upon notification of the Annuitant's death, any excess of the Annuity Value applied over the total amount of the annuity benefit payments will be paid to the Owner or Beneficiary, whichever is applicable. ANNUITY OPTION RATE TABLES The first variable annuity benefit payment will be based on the Annuity Option Rates made available by the Company on the rate basis available at the time the Annuity Option is selected. The fixed annuity benefit payments will be based on the greater of the guaranteed Annuity Option Rates shown in the tables on the following pages or the Company's non-guaranteed current Annuity Option Rates applicable to this class of contracts. The Company guarantees that once an Annuity Option is selected, the annuity benefit payments will not be affected by changes in mortality and expense experience. Form A3033-00 24 ANNUITY OPTION TABLES MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Age Life Annuity with Life Life Annuity Nearest Payments Guaranteed Annuity With Cashback Payment For 10 Years Male Female Unisex Male Female Unisex Male Female Unisex 50 4.05 3.81 3.91 4.08 3.83 3.93 3.90 3.72 3.79 51 4.11 3.87 3.97 4.15 3.89 3.99 3.96 3.77 3.85 52 4.18 3.93 4.03 4.22 3.95 4.06 4.01 3.82 3.90 53 4.25 3.99 4.10 4.30 4.01 4.13 4.07 3.88 3.96 54 4.33 4.06 4.17 4.38 4.08 4.20 4.14 3.94 4.02 55 4.41 4.13 4.24 4.46 4.15 4.28 4.20 3.99 4.07 56 4.49 4.20 4.32 4.55 4.23 4.36 4.27 4.06 4.14 57 4.58 4.28 4.40 4.65 4.31 4.45 4.34 4.12 4.21 58 4.68 4.36 4.49 4.75 4.40 4.54 4.42 4.19 4.28 59 4.78 4.45 4.58 4.86 4.49 4.64 4.50 4.26 4.36 60 4.88 4.54 4.67 4.98 4.59 4.74 4.58 4.34 4.44 61 4.99 4.63 4.77 5.10 4.69 4.85 4.67 4.42 4.52 62 5.10 4.73 4.88 5.23 4.80 4.97 4.76 4.50 4.60 63 5.23 4.84 4.99 5.37 4.92 5.10 4.85 4.59 4.69 64 5.35 4.95 5.11 5.52 5.04 5.24 4.95 4.68 4.79 65 5.48 5.07 5.24 5.69 5.18 5.38 5.06 4.78 4.89 66 5.62 5.20 5.37 5.86 5.32 5.54 5.17 4.89 5.00 67 5.77 5.33 5.51 6.04 5.47 5.70 5.28 4.99 5.11 68 5.92 5.47 5.65 6.24 5.64 5.88 5.40 5.11 5.23 69 6.07 5.62 5.80 6.45 5.82 6.07 5.52 5.23 5.35 70 6.23 5.78 5.96 6.67 6.01 6.27 5.66 5.36 5.48 71 6.39 5.94 6.12 6.90 6.21 6.49 5.79 5.49 5.61 72 6.56 6.11 6.29 7.16 6.44 6.72 5.94 5.63 5.75 73 6.73 6.29 6.47 7.43 6.68 6.98 6.09 5.78 5.90 74 6.90 6.48 6.65 7.71 6.94 7.25 6.24 5.94 6.06 75 7.08 6.67 6.83 8.02 7.22 7.54 6.41 6.11 6.23 These tables are based on an annual interest rate of 3% and the Annuity 2000 Mortality Table. Form A3033-00 25 ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Joint and Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.53 3.61 3.68 3.73 3.76 3.79 3.80 O 55 3.77 3.88 3.97 4.04 4.08 4.11 U 60 4.10 4.25 4.36 4.45 4.50 N 65 4.55 4.74 4.90 5.01 G 70 5.16 5.43 5.64 E 75 6.02 6.41 R 80 7.25 A G E Joint and Two-Thirds Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.80 3.93 4.09 4.25 4.43 4.61 4.80 O 55 4.11 4.29 4.49 4.70 .491 5.13 U 60 4.53 4.77 5.02 5.29 5.55 N 65 5.09 5.42 5.75 6.07 G 70 5.88 6.31 6.75 E 75 6.99 7.59 R 80 8.58 A G E These tables are based on an annual interest rate of 3 % and the Annuity 2000 Mortality Table. Form A3033-00 26 ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Number of Payments Guaranteed for a Specified Years Number of Years 5 17.91 10 9.61 15 6.87 20 5.51 25 4.71

ANNUITY BENEFIT PAYMENT GUARANTEE OPTIONS. If a life Annuity Option has been elected, the Owner may also select one of the following guarantees: PAYMENTS GUARANTEED FOR A SPECIFIED NUMBER OF YEARS PERIOD CERTAIN (Life with Period Certain): Periodic guaranteed annuity benefit payments for a period of 5 to 30 years, or any other period currently made available by the Company. CASH BACK: BACK (Life with Cash Back): Upon notification of the Annuitant's death, any excess of the Annuity Value applied over the total amount of the annuity benefit payments will be paid to the Owner or Beneficiary, whichever is applicable. ANNUITY OPTION RATE TABLES The first variable annuity benefit payment will be based on the Annuity Option Rates made available by the Company on the rate basis available at the time the Annuity Option is selected. The fixed annuity benefit payments will be based on the greater of the guaranteed Annuity Option Rates shown in the tables on the following pages or the Company's non-guaranteed current Annuity Option Rates applicable to this class of contracts. The Company guarantees that once an Annuity Option is selected, the annuity benefit payments will not be affected by changes in mortality and expense experience. Form A3033FORM A3035-00 24 ANNUITY OPTION TABLES FIRST MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Age Life Annuity with 10 Year Life Life with Nearest Period Certain Annuity Nearest Payments Guaranteed Annuity With Cashback Payment For 10 Years Cash Back Male Female Unisex Male Female Unisex Male Female Unisex 50 4.05 3.81 3.91 4.08 3.83 3.93 3.90 3.72 3.79 51 4.11 3.87 3.97 4.15 3.89 3.99 3.96 3.77 3.85 52 4.18 3.93 4.03 4.22 3.95 4.06 4.01 3.82 3.90 53 4.25 3.99 4.10 4.30 4.01 4.13 4.07 3.88 3.96 54 4.33 4.06 4.17 4.38 4.08 4.20 4.14 3.94 4.02 55 4.41 4.13 4.24 4.46 4.15 4.28 4.20 3.99 4.07 56 4.49 4.20 4.32 4.55 4.23 4.36 4.27 4.06 4.14 57 4.58 4.28 4.40 4.65 4.31 4.45 4.34 4.12 4.21 58 4.68 4.36 4.49 4.75 4.40 4.54 4.42 4.19 4.28 59 4.78 4.45 4.58 4.86 4.49 4.64 4.50 4.26 4.36 60 4.88 4.54 4.67 4.98 4.59 4.74 4.58 4.34 4.44 61 4.99 4.63 4.77 5.10 4.69 4.85 4.67 4.42 4.52 62 5.10 4.73 4.88 5.23 4.80 4.97 4.76 4.50 4.60 63 5.23 4.84 4.99 5.37 4.92 5.10 4.85 4.59 4.69 64 5.35 4.95 5.11 5.52 5.04 5.24 4.95 4.68 4.79 65 5.48 5.07 5.24 5.69 5.18 5.38 5.06 4.78 4.89 66 5.62 5.20 5.37 5.86 5.32 5.54 5.17 4.89 5.00 67 5.77 5.33 5.51 6.04 5.47 5.70 5.28 4.99 5.11 68 5.92 5.47 5.65 6.24 5.64 5.88 5.40 5.11 5.23 69 6.07 5.62 5.80 6.45 5.82 6.07 5.52 5.23 5.35 70 6.23 5.78 5.96 6.67 6.01 6.27 5.66 5.36 5.48 71 6.39 5.94 6.12 6.90 6.21 6.49 5.79 5.49 5.61 72 6.56 6.11 6.29 7.16 6.44 6.72 5.94 5.63 5.75 73 6.73 6.29 6.47 7.43 6.68 6.98 6.09 5.78 5.90 74 6.90 6.48 6.65 7.71 6.94 7.25 6.24 5.94 6.06 75 7.08 6.67 6.83 8.02 7.22 7.54 6.41 6.11 6.23 These tables are based on an annual interest rate of 3% and the Annuity 2000 Mortality Table. Form A3033Table FORM A3035-00 25 ANNUITY OPTION TABLES (CONTINUEDContinued) FIRST MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Joint and Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.53 3.61 3.68 3.73 3.76 3.79 3.80 O 55 3.77 3.88 3.97 4.04 4.08 4.11 U 60 4.10 4.25 4.36 4.45 4.50 N 65 4.55 4.74 4.90 5.01 G 70 5.16 5.43 5.64 E 75 6.02 6.41 R 80 7.25 A G E Joint and Two-Thirds Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.80 3.93 4.09 4.25 4.43 4.61 4.80 O 55 4.11 4.29 4.49 4.70 .491 5.13 U 60 4.53 4.77 5.02 5.29 5.55 N 65 5.09 5.42 5.75 6.07 G 70 5.88 6.31 6.75 E 75 6.99 7.59 R 80 8.58 A G E These tables are based on an annual interest rate of 3 3% and the Annuity 2000 Mortality Table. Form A3033Table FORM A3035-00 26 ANNUITY OPTION TABLES (CONTINUEDContinued) FIRST MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Number of Payments Guaranteed for a Specified Years Number of Years Period Xxxxxxx Xxxxxxx 5 17.91 10 9.61 15 6.87 20 5.51 25 4.71

ANNUITY BENEFIT PAYMENT GUARANTEE OPTIONS. If a life Annuity Option has been elected, the Owner may also select one of the following guarantees: PAYMENTS GUARANTEED FOR A SPECIFIED NUMBER OF YEARS PERIOD CERTAIN Periodic guaranteed payments for a period of 5 to 30 ten years, or any other period currently made available by the Company. CASH BACK: Upon notification of the Annuitant's death, any excess of the Annuity Value applied over the total amount of the annuity benefit payments will be paid to the Owner or Beneficiary, whichever is applicable. ANNUITY OPTION RATE TABLES RATES The first variable annuity benefit payment will be based on the Annuity Option Rates made available by the Company on the rate basis available at the time the Annuity Option is selected. The fixed annuity benefit payments will be based on the greater of the guaranteed Annuity Option Rates shown in the tables on the following pages or the Company's non-guaranteed current Annuity Option Rates applicable to this class of contracts. The Company guarantees that once an Annuity Option is selected, the annuity benefit payments will not be affected by changes in mortality and expense experience. Form A3033A3031-00 24 99 21 ANNUITY OPTION TABLES MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH First Monthly Annuity Benefit Payment for Each $1,000 OF ANNUITY VALUE APPLIED of Annuity Value Applied Age Life Annuity with Life Life Annuity United Refund Nearest Payments Guaranteed Annuity With Cashback Life Annuity Payment For for 10 Years Male Female Unisex Male Female Unisex Male Female Unisex 50 4.05 3.81 3.91 4.08 3.83 3.93 3.90 3.72 3.79 4.20 4.22 4.12 51 4.11 3.87 3.97 4.15 3.89 3.99 3.96 3.77 3.85 4.26 4.28 4.17 52 4.18 3.93 4.03 4.22 3.95 4.06 4.01 3.82 3.90 4.32 4.35 4.23 53 4.25 3.99 4.10 4.30 4.01 4.13 4.07 3.88 3.96 4.38 4.42 4.29 54 4.33 4.06 4.17 4.38 4.08 4.20 4.14 3.94 4.02 4.45 4.49 4.35 55 4.53 4.57 4.41 4.13 4.24 4.46 4.15 4.28 4.20 3.99 4.07 56 4.49 4.20 4.32 4.60 4.65 4.48 57 4.68 4.73 4.55 4.23 4.36 4.27 4.06 4.14 57 4.58 4.28 4.40 4.65 4.31 4.45 4.34 4.12 4.21 58 4.68 4.36 4.49 4.75 4.40 4.54 4.42 4.19 4.28 4.77 4.83 4.63 59 4.78 4.45 4.58 4.86 4.49 4.64 4.50 4.26 4.36 4.92 4.71 60 4.95 5.03 4.79 61 5.05 5.14 4.88 4.54 4.67 4.98 4.59 4.74 4.58 4.34 4.44 61 4.99 4.63 4.77 5.10 4.69 4.85 4.67 4.42 4.52 62 5.10 4.73 4.88 5.23 4.80 5.16 5.26 4.97 4.76 4.50 4.60 63 5.23 4.84 4.99 5.37 4.92 5.10 4.85 4.59 4.69 5.27 5.38 5.07 64 5.35 4.95 5.11 5.39 5.52 5.04 5.24 4.95 4.68 4.79 5.17 65 5.48 5.07 5.24 5.69 5.18 5.38 5.06 4.78 4.89 5.51 5.66 5.28 66 5.62 5.20 5.37 5.86 5.32 5.54 5.17 4.89 5.00 5.64 5.82 5.39 67 5.77 5.33 5.78 5.98 5.51 6.04 5.47 5.70 5.28 4.99 5.11 68 5.92 5.47 5.65 6.24 6.16 5.64 5.88 5.40 5.11 5.23 69 6.07 5.62 5.80 6.45 5.82 6.07 5.52 5.23 5.35 6.35 5.78 70 6.23 5.78 5.96 6.67 6.01 6.27 5.66 5.36 5.48 6.56 5.92 71 6.39 5.94 6.12 6.90 6.21 6.49 5.79 5.49 5.61 6.77 6.07 72 6.56 6.11 6.29 7.16 6.44 6.72 5.94 5.63 5.75 7.01 6.23 73 6.73 6.29 6.47 7.43 6.68 6.98 6.09 5.78 5.90 7.26 6.40 74 6.90 6.48 6.65 7.71 6.94 7.25 6.24 5.94 6.06 6.91 7.54 6.57 75 7.08 6.67 6.83 8.02 7.22 7.54 6.41 6.11 6.23 7.09 7.83 6.76 These tables are based on an annual interest rate of 3% and the Annuity 2000 Mortality Table. Form A3033-00 25 Table ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH First Monthly Annuity Benefit Payment for Each $1,000 OF ANNUITY VALUE APPLIED of Annuity Value Applied Joint and Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.53 3.61 3.68 3.73 3.76 3.79 3.80 3.82 3.90 3.96 4.01 4.05 4.08 4.09 O 55 3.77 3.88 3.97 4.04 4.08 4.11 4.06 4.16 4.25 4.32 4.36 4.39 U 60 4.10 4.25 4.36 4.45 4.50 4.38 4.52 4.64 4.72 4.78 N 65 4.55 4.74 4.90 4.82 5.01 5.17 5.28 G 70 5.16 5.43 5.64 5.42 5.69 5.91 E 75 6.02 6.41 6.28 6.67 R 80 7.25 7.52 A G E Joint and Two-Thirds Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.80 3.93 4.09 4.25 4.43 4.61 4.80 4.23 4.38 4.55 4.74 4.93 5.13 O 55 4.11 4.29 4.49 4.70 .491 5.13 4.40 4.58 4.78 5.00 5.22 5.45 U 60 4.53 4.77 5.02 5.29 5.55 4.81 5.05 5.31 5.58 5.86 N 65 5.09 5.42 5.75 6.07 5.37 5.70 6.04 6.38 G 70 5.88 6.31 6.75 6.16 6.59 7.04 E 75 6.99 7.59 7.27 7.87 R 80 8.58 A G E 8.86 Form A3031-99 23 These tables are based on an annual interest rate of 3% and the Annuity 2000 Mortality Table First Monthly Annuity Benefit Payment for Each $1,000 of Annuity Value Applied Number of Variable or Fixed Annuity for a Number of Variable or Xxxxx Xxxxxxx for a Years Period Certain Years Period Certain 1 84.65 16 6.76 2 43.05 17 6.47 3 29.19 18 6.20 4 22.27 19 5.97 5 18.12 20 5.75 6 15.35 21 5.56 7 13.38 22 5.39 8 11.90 23 5.24 9 10.75 24 5.09 10 9.83 25 4.96 11 9.09 26 4.84 12 8.46 27 4.73 13 7.94 28 4.63 14 7.49 29 4.53 15 7.10 30 4.45 These tables are based on an annual interest rate of 3 1/2% and the Annuity 2000 Mortality Table. Form A3033A3031-00 26 ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Number of Payments Guaranteed for a Specified Years Number of Years 5 17.91 10 9.61 15 6.87 20 5.51 25 4.7199 24

ANNUITY BENEFIT PAYMENT GUARANTEE OPTIONS. If a life Annuity Option has been elected, the Owner may also select one of the following guarantees: PAYMENTS GUARANTEED FOR A SPECIFIED NUMBER OF YEARS Periodic guaranteed payments for a period of 5 to 30 years, or any other period currently made available by the Company. CASH BACK: Upon notification of the Annuitant's death, any excess of the Annuity Value applied over the total amount of the annuity benefit payments will be paid to the Owner or Beneficiary, whichever is applicable. ANNUITY OPTION RATE TABLES The first variable annuity benefit payment payments will be based on the Annuity Option Rates made available by the Company on the rate basis available at the time the Annuity Option is selected. The fixed annuity benefit payments will be based on the greater of the guaranteed Annuity Option Rates shown in the tables on the following pages or the Company's non-guaranteed current Annuity Option Rates applicable to this class of contracts. The Company guarantees that once an Annuity Option is selected, the annuity benefit payments will not be affected by changes in mortality and expense experience. Form A3033A3036-00 01 24 BACS11 ANNUITY OPTION TABLES MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Age Life Annuity with Life Life Annuity Nearest Payments Guaranteed Annuity With Cashback Payment For 10 Years Male Female Unisex Male Female Unisex Male Female Unisex 50 4.05 3.81 3.91 4.08 3.83 3.93 3.90 3.72 3.79 51 4.11 3.87 3.97 4.15 3.89 3.99 3.96 3.77 3.85 52 4.18 3.93 4.03 4.22 3.95 4.06 4.01 3.82 3.90 53 4.25 3.99 4.10 4.30 4.01 4.13 4.07 3.88 3.96 54 4.33 4.06 4.17 4.38 4.08 4.20 4.14 3.94 4.02 55 4.41 4.13 4.24 4.46 4.15 4.28 4.20 3.99 4.07 56 4.49 4.20 4.32 4.55 4.23 4.36 4.27 4.06 4.14 57 4.58 4.28 4.40 4.65 4.31 4.45 4.34 4.12 4.21 58 4.68 4.36 4.49 4.75 4.40 4.54 4.42 4.19 4.28 59 4.78 4.45 4.58 4.86 4.49 4.64 4.50 4.26 4.36 60 4.88 4.54 4.67 4.98 4.59 4.74 4.58 4.34 4.44 61 4.99 4.63 4.77 5.10 4.69 4.85 4.67 4.42 4.52 62 5.10 4.73 4.88 5.23 4.80 4.97 4.76 4.50 4.60 63 5.23 4.84 4.99 5.37 4.92 5.10 4.85 4.59 4.69 64 5.35 4.95 5.11 5.52 5.04 5.24 4.95 4.68 4.79 65 5.48 5.07 5.24 5.69 5.18 5.38 5.06 4.78 4.89 66 5.62 5.20 5.37 5.86 5.32 5.54 5.17 4.89 5.00 67 5.77 5.33 5.51 6.04 5.47 5.70 5.28 4.99 5.11 68 5.92 5.47 5.65 6.24 5.64 5.88 5.40 5.11 5.23 69 6.07 5.62 5.80 6.45 5.82 6.07 5.52 5.23 5.35 70 6.23 5.78 5.96 6.67 6.01 6.27 5.66 5.36 5.48 71 6.39 5.94 6.12 6.90 6.21 6.49 5.79 5.49 5.61 72 6.56 6.11 6.29 7.16 6.44 6.72 5.94 5.63 5.75 73 6.73 6.29 6.47 7.43 6.68 6.98 6.09 5.78 5.90 74 6.90 6.48 6.65 7.71 6.94 7.25 6.24 5.94 6.06 75 7.08 6.67 6.83 8.02 7.22 7.54 6.41 6.11 6.23 These tables are based on an annual interest rate of 3% and the Annuity 2000 Mortality Table. Table Form A3033A3036-00 01 25 BACS11 ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Joint and Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.53 3.61 3.68 3.73 3.76 3.79 3.80 O 55 3.77 3.88 3.97 4.04 4.08 4.11 U 60 4.10 4.25 4.36 4.45 4.50 N 65 4.55 4.74 4.90 5.01 G 70 5.16 5.43 5.64 E 75 6.02 6.41 R 80 7.25 A G E Joint and Two-Thirds Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.80 3.93 4.09 4.25 4.43 4.61 4.80 O 55 4.11 4.29 4.49 4.70 .491 4.91 5.13 U 60 4.53 4.77 5.02 5.29 5.55 N 65 5.09 5.42 5.75 6.07 G 70 5.88 6.31 6.75 E 75 6.99 7.59 R 80 8.58 A G E These tables are based on an annual interest rate of 3 3% and the Annuity 2000 Mortality Table. Table Form A3033A3036-00 01 26 BACS11 ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Number of Payments Guaranteed for a Specified Years Number of Years 5 17.91 10 9.61 15 6.87 20 5.51 25 4.71

ANNUITY BENEFIT PAYMENT GUARANTEE OPTIONS. If a life Annuity Option has been elected, the Owner may also select one of the following guarantees: PAYMENTS GUARANTEED FOR A SPECIFIED NUMBER OF YEARS PERIOD CERTAIN Periodic guaranteed payments for a period of 5 to 30 ten years, or any other period currently made available by the Company. CASH BACK: Upon notification of the Annuitant's death, any excess of the Annuity Value applied over the total amount of the annuity benefit payments will be paid to the Owner or Beneficiary, whichever is applicable. ANNUITY OPTION RATE TABLES RATES The first variable annuity benefit payment will be based on the Annuity Option Rates made available by the Company on the rate basis available at the time the Annuity Option is selected. The fixed annuity benefit payments will be based on the greater of the guaranteed Annuity Option Rates shown in the tables on the following pages or the Company's non-guaranteed current Annuity Option Rates applicable to this class of contracts. The Company guarantees that once an Annuity Option is selected, the annuity benefit payments will not be affected by changes in mortality and expense experience. Form A3033-00 24 ANNUITY OPTION TABLES MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH First Monthly Annuity Benefit Payment for Each $1,000 OF ANNUITY VALUE APPLIED of Annuity Value Applied Age Life Annuity with Life Life Annuity United Refund Nearest Payments Guaranteed Annuity With Cashback Life Annuity Payment For for 10 Years Male Female Unisex Male Female Unisex Male Female Unisex 50 4.05 3.81 3.91 4.08 3.83 3.93 3.90 3.72 3.79 4.20 4.22 4.12 51 4.11 3.87 3.97 4.15 3.89 3.99 3.96 3.77 3.85 4.26 4.28 4.17 52 4.18 3.93 4.03 4.22 3.95 4.06 4.01 3.82 3.90 4.32 4.35 4.23 53 4.25 3.99 4.10 4.30 4.01 4.13 4.07 3.88 3.96 4.38 4.42 4.29 54 4.33 4.06 4.17 4.38 4.08 4.20 4.14 3.94 4.02 4.45 4.49 4.35 55 4.53 4.57 4.41 4.13 4.24 4.46 4.15 4.28 4.20 3.99 4.07 56 4.49 4.20 4.32 4.60 4.65 4.48 57 4.68 4.73 4.55 4.23 4.36 4.27 4.06 4.14 57 4.58 4.28 4.40 4.65 4.31 4.45 4.34 4.12 4.21 58 4.68 4.36 4.49 4.75 4.40 4.54 4.42 4.19 4.28 4.77 4.83 4.63 59 4.78 4.45 4.58 4.86 4.49 4.64 4.50 4.26 4.36 4.92 4.71 60 4.95 5.03 4.79 61 5.05 5.14 4.88 4.54 4.67 4.98 4.59 4.74 4.58 4.34 4.44 61 4.99 4.63 4.77 5.10 4.69 4.85 4.67 4.42 4.52 62 5.10 4.73 4.88 5.23 4.80 5.16 5.26 4.97 4.76 4.50 4.60 63 5.23 4.84 4.99 5.37 4.92 5.10 4.85 4.59 4.69 5.27 5.38 5.07 64 5.35 4.95 5.11 5.39 5.52 5.04 5.24 4.95 4.68 4.79 5.17 65 5.48 5.07 5.24 5.69 5.18 5.38 5.06 4.78 4.89 5.51 5.66 5.28 66 5.62 5.20 5.37 5.86 5.32 5.54 5.17 4.89 5.00 5.64 5.82 5.39 67 5.77 5.33 5.78 5.98 5.51 6.04 5.47 5.70 5.28 4.99 5.11 68 5.92 5.47 5.65 6.24 6.16 5.64 5.88 5.40 5.11 5.23 69 6.07 5.62 5.80 6.45 5.82 6.07 5.52 5.23 5.35 6.35 5.78 70 6.23 5.78 5.96 6.67 6.01 6.27 5.66 5.36 5.48 6.56 5.92 71 6.39 5.94 6.12 6.90 6.21 6.49 5.79 5.49 5.61 6.77 6.07 72 6.56 6.11 6.29 7.16 6.44 6.72 5.94 5.63 5.75 7.01 6.23 73 6.73 6.29 6.47 7.43 6.68 6.98 6.09 5.78 5.90 7.26 6.40 74 6.90 6.48 6.65 7.71 6.94 7.25 6.24 5.94 6.06 6.91 7.54 6.57 75 7.08 6.67 6.83 8.02 7.22 7.54 6.41 6.11 6.23 7.09 7.83 6.76 These tables are based on an annual interest rate of 3% and the Annuity 2000 Mortality Table. Form A3033-00 25 Table ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH First Monthly Annuity Benefit Payment for Each $1,000 OF ANNUITY VALUE APPLIED of Annuity Value Applied Joint and Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.53 3.61 3.68 3.73 3.76 3.79 3.80 3.82 3.90 3.96 4.01 4.05 4.08 4.09 O 55 3.77 3.88 3.97 4.04 4.08 4.11 4.06 4.16 4.25 4.32 4.36 4.39 U 60 4.10 4.25 4.36 4.45 4.50 4.38 4.52 4.64 4.72 4.78 N 65 4.55 4.74 4.90 4.82 5.01 5.17 5.28 G 70 5.16 5.43 5.64 5.42 5.69 5.91 E 75 6.02 6.41 6.28 6.67 R 80 7.25 7.52 A G E Joint and Two-Thirds Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.80 3.93 4.09 4.25 4.43 4.61 4.80 4.23 4.38 4.55 4.74 4.93 5.13 O 55 4.11 4.29 4.49 4.70 .491 5.13 4.40 4.58 4.78 5.00 5.22 5.45 U 60 4.53 4.77 5.02 5.29 5.55 4.81 5.05 5.31 5.58 5.86 N 65 5.09 5.42 5.75 6.07 5.37 5.70 6.04 6.38 G 70 5.88 6.31 6.75 6.16 6.59 7.04 E 75 6.99 7.59 7.27 7.87 R 80 8.58 A G E 8.86 Form A3031-99 23 These tables are based on an annual interest rate of 3% and the Annuity 2000 Mortality Table First Monthly Annuity Benefit Payment for Each $1,000 of Annuity Value Applied Number of Variable or Fixed Annuity for a Number of Variable or Xxxxx Xxxxxxx for a Years Period Certain Years Period Certain 1 84.65 16 6.76 2 43.05 17 6.47 3 29.19 18 6.20 4 22.27 19 5.97 5 18.12 20 5.75 6 15.35 21 5.56 7 13.38 22 5.39 8 11.90 23 5.24 9 10.75 24 5.09 10 9.83 25 4.96 11 9.09 26 4.84 12 8.46 27 4.73 13 7.94 28 4.63 14 7.49 29 4.53 15 7.10 30 4.45 These tables are based on an annual interest rate of 3 1/2% and the Annuity 2000 Mortality Table. Form A3033A3031-00 26 ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Number of Payments Guaranteed for a Specified Years Number of Years 5 17.91 10 9.61 15 6.87 20 5.51 25 4.7199 24

ANNUITY BENEFIT PAYMENT GUARANTEE OPTIONS. If a life Annuity Option has been elected, the Owner may also select one of the following guarantees: PAYMENTS GUARANTEED FOR A SPECIFIED NUMBER OF YEARS Periodic guaranteed payments for a period of 5 to 30 years, or any other period currently made available by the Company. CASH BACK: Upon notification of the Annuitant's death, any excess of the Annuity Value applied over the total amount of the annuity benefit payments will be paid to the Owner or Beneficiary, whichever is applicable. ANNUITY OPTION RATE TABLES The first variable annuity benefit payment payments will be based on the Annuity Option Rates made available by the Company on the rate basis available at the time the Annuity Option is selected. The fixed annuity benefit payments will be based on the greater of the guaranteed Annuity Option Rates shown in the tables on the following pages or the Company's non-guaranteed current Annuity Option Rates applicable to this class of contracts. The Company guarantees that once an Annuity Option is selected, the annuity benefit payments will not be affected by changes in mortality and expense experience. Form A3033A3036-00 01 24 BACS11 ANNUITY OPTION TABLES MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Age Life Annuity with Life Life Annuity Nearest Payments Guaranteed Annuity With Cashback Payment For 10 Years Male Female Unisex Male Female Unisex Male Female Unisex 50 4.05 3.81 3.91 4.08 3.83 3.93 3.90 3.72 3.79 51 4.11 3.87 3.97 4.15 3.89 3.99 3.96 3.77 3.85 52 4.18 3.93 4.03 4.22 3.95 4.06 4.01 3.82 3.90 53 4.25 3.99 4.10 4.30 4.01 4.13 4.07 3.88 3.96 54 4.33 4.06 4.17 4.38 4.08 4.20 4.14 3.94 4.02 55 4.41 4.13 4.24 4.46 4.15 4.28 4.20 3.99 4.07 56 4.49 4.20 4.32 4.55 4.23 4.36 4.27 4.06 4.14 57 4.58 4.28 4.40 4.65 4.31 4.45 4.34 4.12 4.21 58 4.68 4.36 4.49 4.75 4.40 4.54 4.42 4.19 4.28 59 4.78 4.45 4.58 4.86 4.49 4.64 4.50 4.26 4.36 60 4.88 4.54 4.67 4.98 4.59 4.74 4.58 4.34 4.44 61 4.99 4.63 4.77 5.10 4.69 4.85 4.67 4.42 4.52 62 5.10 4.73 4.88 5.23 4.80 4.97 4.76 4.50 4.60 63 5.23 4.84 4.99 5.37 4.92 5.10 4.85 4.59 4.69 64 5.35 4.95 5.11 5.52 5.04 5.24 4.95 4.68 4.79 65 5.48 5.07 5.24 5.69 5.18 5.38 5.06 4.78 4.89 66 5.62 5.20 5.37 5.86 5.32 5.54 5.17 4.89 5.00 67 5.77 5.33 5.51 6.04 5.47 5.70 5.28 4.99 5.11 68 5.92 5.47 5.65 6.24 5.64 5.88 5.40 5.11 5.23 69 6.07 5.62 5.80 6.45 5.82 6.07 5.52 5.23 5.35 70 6.23 5.78 5.96 6.67 6.01 6.27 5.66 5.36 5.48 71 6.39 5.94 6.12 6.90 6.21 6.49 5.79 5.49 5.61 72 6.56 6.11 6.29 7.16 6.44 6.72 5.94 5.63 5.75 73 6.73 6.29 6.47 7.43 6.68 6.98 6.09 5.78 5.90 74 6.90 6.48 6.65 7.71 6.94 7.25 6.24 5.94 6.06 75 7.08 6.67 6.83 8.02 7.22 7.54 6.41 6.11 6.23 These tables are based on an annual interest rate of 3% and the Annuity 2000 Mortality Table. Form A3033-00 25 ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Joint and Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.53 3.61 3.68 3.73 3.76 3.79 3.80 O 55 3.77 3.88 3.97 4.04 4.08 4.11 U 60 4.10 4.25 4.36 4.45 4.50 N 65 4.55 4.74 4.90 5.01 G 70 5.16 5.43 5.64 E 75 6.02 6.41 R 80 7.25 A G E Joint and Two-Thirds Survivor Life Annuity Older Age 50 55 60 65 70 75 80 Y 50 3.80 3.93 4.09 4.25 4.43 4.61 4.80 O 55 4.11 4.29 4.49 4.70 .491 5.13 U 60 4.53 4.77 5.02 5.29 5.55 N 65 5.09 5.42 5.75 6.07 G 70 5.88 6.31 6.75 E 75 6.99 7.59 R 80 8.58 A G E These tables are based on an annual interest rate of 3 % and the Annuity 2000 Mortality Table. Form A3033-00 26 ANNUITY OPTION TABLES (CONTINUED) MONTHLY ANNUITY BENEFIT PAYMENT FOR EACH $1,000 OF ANNUITY VALUE APPLIED Number of Payments Guaranteed for a Specified Years Number of Years 5 17.91 10 9.61 15 6.87 20 5.51 25 4.715.48