Common use of INCOME PROGRAM Clause in Contracts

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------- ------------------------------------------------ ------------------- GMIB All Products sold prior to February 15, 35 2003 GMIB and GMIB II Plan codes BN2203, BN22M3, CS5203, 45 CS52M3, CS52R3, CS53MR, LS4203, LS4204, LS42M3, LS42R3, LS42R4, XX00XX, XX0000, XX00X0, XX00X0, XX00X0, and ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step-Up or Greater of Annual Step-Up and 5% Rollup GMIB and GMIB II All other Products sold after February 50 14, 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 75 2005 and before February 26, 2007. GMIB Plus All Products, except Marquis Portfolio, 80 sold on or after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 95 1, 2007 and on or before February 20, 2009 GMIB Plus All Products, except Marquis 100 Portfolio, sold after February 20, 2009. GMIB Plus Marquis Portfolio sold after 115 February 20, 2009

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------- ------------------------------------------------ --------------------------------------------------- ------------------- GMIB All Products sold issued prior to February 15, 35 2003 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, 45 CS52M3CS51M3, CS52R345.00 CS51R3, CS53MRCS53R3, LS4203LS4103, LS4204LS4104,LS41M3, LS42M3LS41R3, LS42R3LS41R4, LS42R4LS43R3, XX00XXST1103, XX0000ST11M3, XX00X0ST11R3, XX00X0ST11X3, XX00X0ST13R3, ST1AG4, ST1AR4, and ST13MR ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step-Up Step or Greater Max of Annual Step-Up Step and 5% Rollup GMIB and GMIB II All other Products sold issued after February 50 14, 2003 50.00 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 75 2005 and before February 26, 2007. GMIB Plus I All Products, except Marquis Portfolio, 80 sold on or 75.00 before February 20, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold on or 115.00 before February 20, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold after 95.00 February 2620, 2007 2009 and before May 04, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold after 115.00 February 20, 2009 and before May 04, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold on or 95.00 after May 04, 2009. GMIB Plus III All Products, except Marquis Portfolio, sold on or 95.00 after July 19, 2010 and on or before April 29, 2011 GMIB Plus III All Products, except Marquis Portfolio, sold after 100.00 April 29, 2011 GMIB Max All products, except Marquis Portfolio 100.00 GMIB Plus IV and GMIB Only Applies to VA, L, C, S & VA-4 Class Products 100.00 Xxx XX GMIB Max III Only Applies to A, VA, L, C, S & VA-4 Class 100.00 Products GMIB Xxx XX Only Applies to O, VA, S & VA-4 Class Products 100.00 GMIB Max V Only Applies to O, VA, S & VA-4 Class Products 100.00 GMIB Plus I Marquis Portfolio sold on or before February 20, 90.00 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold on or before February 20, 130.00 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold after February 20, 2009 and 110.00 before May 04, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold after February 20, 2009 and 130.00 before May 04, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold on or after May 95 104, 2007 2009 110.00 GMIB Plus III Marquis Portfolio sold on or after July 19, 2010 110.00 and on or before February 20April 29, 2009 2011 GMIB Plus All Products, except Marquis 100 Portfolio, sold after February 20, 2009. GMIB Plus III Marquis Portfolio sold after 115 February 20April 29, 20092011 115.00

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------- ------------------------------------------------ ------------------- --------------------------------- -------------------------------------------------- -------------- GMIB All Products sold issued prior to February 15, 35 2003 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, 45 CS52M3CS51M3, CS52R345.00 CS51R3, CS53MRCS53R3, LS4203LS4103, LS4204LS4104, LS42M3LS41M3, LS42R3LS41R3, LS42R4LS41R4, XX00XXLS43R3, XX0000ST1103, XX00X0ST11M3, XX00X0ST11R3, XX00X0ST11X3, ST13R3, ST1AG4, ST1AR4, and ST13MR ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step-Up Step or Greater Max of Annual Step-Up Step and 5% Rollup GMIB and GMIB II All other Products sold issued after February 50 14, 2003 50.00 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 75 2005 and before February 26, 2007. GMIB Plus All Products, except Marquis Portfolio, 80 sold on or after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 95 1, 2007 and on or 75.00 before February 20, 2009 GMIB Plus All Products, except Marquis 100 Portfolio, sold after 95.00 February 20, 2009. 2009 and before April 29, 2011 GMIB Plus and GMIB All products, except Marquis Portfolio, sold on or 100.00 Max after April 29, 2011 GMIB Plus Marquis Portfolio sold on or before February 20, 90.00 2009 GMIB Plus Marquis Portfolio sold after 115 February 20, 20092009 and 110.00 before April 29, 2011 GMIB Plus and GMIB Marquis Portfolio sold on or after April 29, 2011 115.00 Xxx

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------- ------------------------------------------------ ------------------------------------------------------------- ------------------- GMIB All Products sold prior to February 15, 2003 35 2003 GMIB and GMIB II Plan codes BN2203, BN22M3, CS5203, 45 CS52M3, CS52R3, CS53MR, 45 LS4203, LS4204, LS42M3, LS42R3, LS42R4, XX00XX, XX0000, XX00X0, XX00X0, XX00X0, and ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step-Up or Greater of Annual Step-Up and 5% Rollup GMIB and GMIB II All other Products sold after February 50 14, 2003 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 75 2005 and before 75 February 26, 2007. GMIB Plus All Products, except Marquis Portfolio, 80 sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 95 1, 2007 and on or 95 before February 20, 2009 GMIB Plus All Products, except Marquis 100 Portfolio, sold after 100 February 20, 2009. GMIB Plus Marquis Portfolio sold after 115 February 20, 20092009 115

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------- ------------------------------------------------ ------------------- GMIB All Products sold prior to February 15, 2003 35 2003 GMIB and GMIB II Plan codes BN2203, BN22M3, CS5203, 45 CS52M3, 45 CS52R3, CS53MR, LS4203, LS4204, LS42M3, LS42R3, LS42R4, XX00XX, XX0000, XX00X0, XX00X0, XX00X0, and ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step-Up or Greater of Annual Step-Up and 5% Rollup GMIB and GMIB II All other Products sold after February 50 14, 2003 50 and before May 1, 2005 and for All Products sold after April 30,2005 30, 2005 GMIB Plus All Products sold after April 30, 75 2005 and 75 before February 26, 2007. GMIB Plus All Products, except Marquis Portfolio, 80 sold on 80 or after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 95 1, 2007 95 and on or before February 20, 2009 GMIB Plus All Products, except Marquis 100 Portfolio, 100 sold after February 20, 2009. GMIB Plus Marquis Portfolio sold after 115 February 20, 20092009 115

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------- ------------------------------------------------ ------------------- ------------------------------ -------------------------------------------------- -------------- GMIB All Products sold issued prior to February 15, 35 2003 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, 45 CS52M3CS51M3, CS52R345.00 CS51R3, CS53MRCS53R3, LS4203LS4103, LS4204LS4104, LS42M3LS41M3, LS42R3LS41R3, LS42R4LS41R4, XX00XXLS43R3, XX0000ST1103, XX00X0ST11M3, XX00X0ST11R3, XX00X0ST11X3, ST13R3, ST1AG4, ST1AR4, and ST13MR ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step-Up Step or Greater Max of Annual Step-Up Step and 5% Rollup GMIB and GMIB II All other Products sold issued after February 50 14, 2003 50.00 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 75 2005 and before February 26, 2007. GMIB Plus All Products, except Marquis Portfolio, 80 sold on or after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 95 1, 2007 and on or 75.00 before February 20, 2009 GMIB Plus All Products, except Marquis 100 Portfolio, sold after 95.00 February 20, 2009. 2009 and before April 29, 2011 GMIB Plus and GMIB All products, except Marquis Portfolio, sold on or 100.00 Max after April 29, 2011 GMIB Plus IV and GMIB Only Applies to VA, L, C, S & VA-4 Class products 100.00 Xxx XX sold after October 10, 2011 GMIB Plus Marquis Portfolio sold on or before 90.00 February 20, 2009 GMIB Plus Marquis Portfolio sold after 115 February 20, 20092009 and 110.00 before April 29, 2011

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------- ------------------------------------------------ --------------------------------- --------------------------------------------------------------- ------------------- GMIB All Products sold prior to February 15, 2003 35 2003 GMIB and GMIB II Plan codes BN2203, BN22M3, CS5203, 45 CS52M3, CS52R3, CS53MR, 45 LS4203, LS4204, LS42M3, LS42R3, LS42R4, XX00XX, XX0000, XX00X0, XX00X0, XX00X0, and ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step-Up or Greater of Annual Step-Up and 5% Rollup GMIB and GMIB II All other Products sold after February 50 14, 2003 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 75 2005 and before February 75 26, 2007. GMIB Plus All Products, except Marquis Portfolio, 80 sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 95 1, 2007 and on or 95 before February 20, 2009 GMIB Plus All Products, except Marquis 100 Portfolio, sold after February 100 20, 2009. GMIB Plus Marquis Portfolio sold after 115 February 20, 20092009 115

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------- ------------------------------------------------ --------------------------------------------------- ------------------- GMIB All Products sold issued prior to February 15, 35 2003 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, 45 CS52M3CS51M3, CS52R345.00 CS51R3, CS53MRCS53R3, LS4203LS4103, LS4204LS4104,LS41M3, LS42M3LS41R3, LS42R3LS41R4, LS42R4LS43R3, XX00XXST1103, XX0000ST11M3, XX00X0ST11R3, XX00X0ST11X3, XX00X0ST13R3, ST1AG4, ST1AR4, and ST13MR ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step-Up Step or Greater Max of Annual Step-Up Step and 5% Rollup GMIB and GMIB II All other Products sold issued after February 50 14, 2003 50.00 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 75 2005 and before February 26, 2007. GMIB Plus I All Products, except Marquis Portfolio, 80 sold on or 75.00 before February 20, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold on or 115.00 before February 20, 2009, for which the contract's Income Base is increased due to an Annual Step- Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold after 95.00 February 2620, 2007 2009 and before May 04, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold after 115.00 February 20, 2009 and before May 04, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold on or 95.00 after May 04, 2009. GMIB Plus III All Products, except Marquis Portfolio, sold on or 95.00 after July 19, 2010 and on or before April 29, 2011 GMIB Plus III All Products, except Marquis Portfolio, sold after 100.00 April 29, 2011 GMIB Max All products, except Marquis Portfolio 100.00 GMIB Plus IV and GMIB Only Applies to VA, L, C, S & VA-4 Class Products 100.00 Xxx XX GMIB Max III Only Applies to A, VA, L, C, S & VA-4 Class 100.00 Products GMIB Xxx XX Only Applies to O, VA, S & VA-4 Class Products 100.00 GMIB Max V Only Applies to O, VA, S & VA-4 Class Products 100.00 GMIB Plus I Marquis Portfolio sold on or before February 20, 90.00 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold on or before February 20, 130.00 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold after February 20, 2009 and 110.00 before May 04, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold after February 20, 2009 and 130.00 before May 04, 2009, for which the contract's Income Base is increased due to an Annual Step- Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold on or after May 95 104, 2007 2009 110.00 GMIB Plus III Marquis Portfolio sold on or after July 19, 2010 110.00 and on or before February 20April 29, 2009 2011 GMIB Plus All Products, except Marquis 100 Portfolio, sold after February 20, 2009. GMIB Plus III Marquis Portfolio sold after 115 February 20April 29, 20092011 115.00