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, 2003 35 GMIB and GMIB II Plan codes BN2203, BN22M3, CS5203, 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 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, 2005 and before February 75 26, 2007. GMIB Plus All Products, except Marquis Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 1, 2007 and on or 95 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after February 100 20, 2009. GMIB Plus Marquis Portfolio sold after February 20, 2009 115

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------------------------- --------------------------------------------------------------- ------------------------------- ------------------------------------------------ ------------------- GMIB All Products sold prior to February 15, 2003 35 GMIB and GMIB II Plan codes BN2203, BN22M3, CS5203, CS52M3, 45 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 14, 2003 50 and 50 before May 1, 2005 and for All Products sold after April 30,2005 30, 2005 GMIB Plus All Products sold after April 30, 2005 and 75 before February 75 26, 2007. GMIB Plus All Products, except Marquis Portfolio, sold on 80 or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 1, 2007 95 and on or 95 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, 100 sold after February 100 20, 2009. GMIB Plus Marquis Portfolio sold after February 20, 2009 115

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------------------------- --------------------------------------------------------------- ---------------------------------- --------------------------------------------------------- ------------------- GMIB All Products sold issued prior to February 15, 2003 35 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, CS52M3CS51M3, CS52R345.00 CS51R3, CS53MRCS53R3, 45 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 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 14, 2003 50.00 and 50 before May 1, 2005 I,2005 and for All Products sold after April 30,2005 GMIB Plus All Products products sold after April 30, 2005 and before February 75 26, 2007. GMIB Plus All Products, except Marquis Marqlis Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 1, 2007 and on or 95 75.00 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 100 20, 20092009 GMIB Plus . Marquis Portfolio sold on or before February 20, 90.00 2009 GMIB Plus Marquis Portfolio sold after February 20, 2009 115110.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------------------------- --------------------------------------------------------------- ------------------------------- ------------------------------------------------ ------------------- GMIB All Products sold prior to February 15, 35 2003 35 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, 2009 1152009

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------------------------- --------------------------------------------------------------- ------------------- -------------------------------------------------- -------------- GMIB All Products sold issued prior to February 15, 2003 35 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, CS52M3CS51M3, CS52R345.00 CS51R3, CS53MRCS53R3, 45 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 14, 2003 50.00 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and before February 75 26, 2007. GMIB Plus All Products, except Marquis Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 1, 2007 and on or 95 75.00 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 100 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 February 20, 2009 115and 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 issued prior to February 15, 2003 35 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, CS52M3CS51M3, CS52R345.00 CS51R3, CS53MRCS53R3, 45 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 14, 2003 50.00 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and before February 75 26, 2007. GMIB Plus All Products, except Marquis Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 1, 2007 and on or 95 75.00 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 100 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 February 20, 2009 115and 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 GMIB and GMIB II Plan codes BN2203, BN22M3, CS5203, 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 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, 2005 and before 75 February 75 26, 2007. GMIB Plus All Products, except Marquis Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 1, 2007 and on or 95 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 100 February 100 20, 2009. GMIB Plus Marquis Portfolio sold after February 20, 2009 115

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------------------------- --------------------------------------------------------------- ---------------------------------- --------------------------------------------------------- ------------------- GMIB All Products sold issued prior to February 15, 2003 35 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, CS52M3CS51M3, CS52R345.00 CS51R3, CS53MRCS53R3, 45 LS4203LS4103, LS4204LS4104, LS42M3LS41M3, LS42R3LS41R3, LS42R4LS41R4, XX00XXLS43R3, XX0000ST1103, XX00X0ST11M3, XX00X0ST11R3, XX00X0ST11X3, ST13R3, ST1AG4, STlAR4, 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 14, 2003 50.00 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and before February 75 26, 2007. GMIB Plus All Products, except Marquis Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 1, 2007 and on or 95 75.00 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 100 20, 2009. 2009 GMIB Plus Marquis Portfolio sold on or before February 20, 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 115110.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------------------------- --------------------------------------------------------------- --------------- ---------------------------------------------------------- ------------------- GMIB All Products sold issued prior to February 15, 2003 35 35.00 GMIB and GMIB II Plan codes BN2203BN2103, BN22M3BN21M3, CS5203CS5103, CS52M3, CS52R3, CS53MR, 45 LS4203, LS4204, LS42M3, LS42R3, LS42R4, XX00XX, XX0000CS51M3, XX00X0, XX00X0, 45.00 LS4103, LS4104, LS41M3, LS41R3, XX00X0, XX00X0, ST1103, ST11M3, ST11R3, ST11X3, 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 14, 2003 and 50 50.00 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and before February 75 26, 2007. GMIB Plus All Products, except Marquis Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio sold on or after May 1, 2007 and on or 95 before 75.00 February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 100 20, 2009. 2009 GMIB Plus Marquis Portfolio sold on or before February 20, 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 115110.00