Common use of AUTOMATIC ACCEPTANCE LIMITS Clause in Contracts

AUTOMATIC ACCEPTANCE LIMITS. CEDING COMPANY may not cede reinsurance automatically if the sum of all amounts inforce and applied for on the same life with CEDING COMPANY, excluding amounts being replaced, exceed the following binding limits: Binding Limits (these amounts include CEDING COMPANY's retention) -------------------------------------------------------------------------- Issue Ages Std-Table D Table E-H Table I-P -------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- In comparing against Automatic Acceptance Limits: a. Potential increases in Specified Amount of a reinsured policy pursuant to the Automatic Increasing Benefit Rider will not be included as amounts inforce or applied for, so long as the total of all increases to the Specified Amount of the Policy can not exceed [dollar amount]. b. If the risk is insured under, or has applied for, a joint life policy, the full joint life amount must be included. ING VUL3 (4/29/99) A2 06/25/99 SCHEDULE A, CONTINUED

AUTOMATIC ACCEPTANCE LIMITS. CEDING COMPANY may not cede reinsurance automatically if the sum of all amounts inforce and applied for on the same life with CEDING COMPANY, excluding amounts being replaced, exceed the following binding limits: Binding Limits (these amounts include CEDING COMPANY's retention) -------------------------------------------------------------------------- ------------------------------------------------------------------------- Issue Ages Std-Table D Table E-H Table I-P -------------------------------------------------------------------------- ------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- ------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- ------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- ------------------------------------------------------------------------- In comparing against Automatic Acceptance Limits: a. Potential increases in Specified Amount of a reinsured policy pursuant to the Automatic Increasing Benefit Rider will not be included as amounts inforce or applied for, so long as the total of all increases to the Specified Amount of the Policy can not exceed [dollar amount]. b. If the risk is insured under, or has applied for, a joint life policy, the full joint life amount must be included. ING VUL3 [redacted] VUL3NY (4/29/9911/15/2000) A2 06/25/99 10/20/2000 SCHEDULE A, CONTINUED

AUTOMATIC ACCEPTANCE LIMITS. CEDING COMPANY may not cede reinsurance automatically if the sum of all amounts inforce and applied for on the same life with CEDING COMPANY, excluding amounts being replaced, exceed the following binding limits: Binding Limits (these amounts include CEDING COMPANY's retention) -------------------------------------------------------------------------- ------------------------------------------------------------------------- Issue Ages Std-Table D Table E-H Table I-P -------------------------------------------------------------------------- ------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- ------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- ------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- ------------------------------------------------------------------------- In comparing against Automatic Acceptance Limits:: SCHEDULE A, CONTINUED a. Potential increases in Specified Amount of a reinsured policy pursuant to the Automatic Increasing Benefit Rider will not be included as amounts inforce or applied for, so long as the total of all increases to the Specified Amount of the Policy can not exceed [dollar amount]. b. If the risk is insured under, or has applied for, a joint life policy, the full joint life amount must be included. ING [redacted] VUL3 (4/29/99) A2 06/25/99 06/28/99 SCHEDULE A, CONTINUED

AUTOMATIC ACCEPTANCE LIMITS. CEDING COMPANY may not cede reinsurance automatically if the sum of all amounts inforce and applied for on the same life with CEDING COMPANY, excluding amounts being replaced, exceed the following binding limits: Binding Limits (these amounts include CEDING COMPANY's retention) -------------------------------------------------------------------------- --------------------------------------------------------------------------- Issue Ages Std-Table D Table E-H Table I-P -------------------------------------------------------------------------- --------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- --------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- --------------------------------------------------------------------------- [ages] [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- --------------------------------------------------------------------------- In comparing against Automatic Acceptance Limits: a. Potential increases in Specified Amount of a reinsured policy pursuant to the Automatic Increasing Benefit Rider will not be included as amounts inforce or applied for, so long as the total of all increases to the Specified Amount of the Policy can not exceed [dollar amount]. b. If the risk is insured under, or has applied for, a joint life policy, the full joint life amount must be included. ING CNA VUL3 (4/29/99) A2 06/25/99 SCHEDULE A, CONTINUED

AUTOMATIC ACCEPTANCE LIMITS. CEDING COMPANY may not cede reinsurance automatically if the sum of all amounts inforce and applied for on the same life with CEDING COMPANY, excluding amounts being replaced, exceed the following binding limits: Binding Limits (these amounts include CEDING COMPANY's retention) -------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------- Issue Ages Std-Table D Table E-H Table I-P -------------------------------------------------------------------------- [ages] ---------------------------------------------------------------------------------------------------------- 0-75 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- [ages] ---------------------------------------------------------------------------------------------------------- 76-80 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- [ages] ---------------------------------------------------------------------------------------------------------- 81-85 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------- In comparing against Automatic Acceptance Limits: a. Potential increases in Specified Amount of a reinsured policy pursuant to the Automatic Increasing Benefit Rider will not be included as amounts inforce or applied for, so long as the total of all increases to the Specified Amount of the Policy can not exceed [dollar amount]. b. If the risk is insured under, or has applied for, a joint life policy, the full joint life amount must be included. ING VUL3 (4/29/99) A2 06/25/99 A1 SCHEDULE A, CONTINUED

AUTOMATIC ACCEPTANCE LIMITS. CEDING COMPANY may not cede reinsurance automatically if the sum of all amounts inforce and applied for on the same life with CEDING COMPANY, excluding amounts being replaced, exceed the following binding limits: Binding Limits (these amounts include CEDING COMPANY's 'S retention) -------------------------------------------------------------------------- --------------------------------------------------------------------- Issue Ages Std-Table D Table E-H Table I-P -------------------------------------------------------------------------- [ages] --------------------------------------------------------------------- 0-75 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- [ages] --------------------------------------------------------------------- 76-80 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- [ages] --------------------------------------------------------------------- 81-85 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- --------------------------------------------------------------------- In comparing against Automatic Acceptance Limits: a. Potential increases in Specified Amount of a reinsured policy pursuant to the Automatic Increasing Benefit Rider will not be included as amounts inforce or applied for, so long as the total of all increases to the Specified Amount of the Policy can not exceed [dollar amount]. b. If the risk is insured under, or has applied for, a joint life policy, the full joint life amount must be included. ING VUL3 XXX XXX0XX (4/29/9911/15/2000) A2 06/25/99 10/20/2000 SCHEDULE A, CONTINUED

AUTOMATIC ACCEPTANCE LIMITS. CEDING COMPANY may not cede reinsurance automatically if the sum of all amounts inforce and applied for on the same life with CEDING COMPANY, excluding amounts being replaced, exceed the following binding limits: Binding Limits (these amounts include CEDING COMPANY's retention) -------------------------------------------------------------------------- ----------------------------------------------------------------------- Issue Ages Std-Table D Table E-H Table I-P -------------------------------------------------------------------------- ----------------------------------------------------------------------- [ages] [dollar amountpercentage] [dollar amountpercentage] [dollar amountpercentage] -------------------------------------------------------------------------- ----------------------------------------------------------------------- [ages] [dollar amountpercentage] [dollar amountpercentage] [dollar amountpercentage] -------------------------------------------------------------------------- ----------------------------------------------------------------------- [ages] [dollar amountpercentage] [dollar amountpercentage] [dollar amountpercentage] -------------------------------------------------------------------------- ----------------------------------------------------------------------- In comparing against Automatic Acceptance Limits: a. Potential increases in Specified Amount of a reinsured policy pursuant to the Automatic Increasing Benefit Rider will not be included as amounts inforce or applied for, so long as the total of all increases to the Specified Amount of the Policy can not exceed [dollar amount]. b. If the risk is insured under, or has applied for, a joint life policy, the full joint life amount must be included. ING VUL3 [redacted] VUL3NY (4/29/9911/15/2000) A2 06/25/99 A-2 10-/20/2000 SCHEDULE A, CONTINUED

AUTOMATIC ACCEPTANCE LIMITS. CEDING COMPANY may not cede reinsurance automatically if the sum of all amounts inforce and applied for on the same life with CEDING COMPANY, excluding amounts being replaced, exceed the following binding limits: Binding Limits (these amounts include CEDING COMPANY's retention) -------------------------------------------------------------------------- Issue Ages Std-Table D Table E-H Table I-P -------------------------------------------------------------------------- [ages] 0-75 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- [ages] 76-80 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- [ages] 81-85 [dollar amount] [dollar amount] [dollar amount] -------------------------------------------------------------------------- In comparing against Automatic Acceptance Limits: a. Potential increases in Specified Amount of a reinsured policy pursuant to the Automatic Increasing Benefit Rider will not be included as amounts inforce or applied for, so long as the total of all increases to the Specified Amount of the Policy can not exceed [dollar amount]. b. If the risk is insured under, or has applied for, a joint life policy, the full joint life amount must be included. ING VUL3 [redacted] VUL3NY (4/29/9911/15/2000) A2 06/25/99 B1 10/20/2000 SCHEDULE A, CONTINUED