Common use of INCOME PROGRAM Clause in Contracts

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- ------------------------------------------- ------------------- GMIB All Products sold prior to May 1, 2003 35 GMIB & GMIB II Plan codes 225080, 225090, 2250A0, 2250A1, 45 2250B0, 2250B1, 2250C0, 2250C1, 2250D0, 2250D1, 2250E0, 2250E1, 2250L0, 2250L1, 225180, and 2251B0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB & GMIB II All other Products sold after April 30, 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus: Forms All Products sold after April 30, 2005 and 75 ML-560-2 and ML-560-4 before February 26, 2007.

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- -------------------------------- ------------------------------------------- ------------------- GMIB All Products sold prior to May 1, 2003 35 GMIB & GMIB II Plan codes 225080, 225090, 2250A0, 45 2250A1, 45 2250B0, 2250B1, 2250C0, 2250C1, 2250D0, 2250D1, 2250E0, 2250E1, 2250L0, 2250L1, 225180, and 2251B0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB & GMIB II All other Products sold after 50 April 30, 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus: Forms All Products sold after April 30, 2005 and 75 ML-560-2 and ML-560-4 and before February 26, 2007.

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- -------------------------------- ------------------------------------------- ------------------- GMIB All Products sold prior to May 1, 2003 35 GMIB & GMIB II Plan codes 225080, 225090, 2250A0, 2250A1, 45 2250B0, 2250B1, 2250C0, 2250C1, 2250D0, 2250D1, 2250E0, 2250E1, 2250L0, 2250L1, 225180, and 2251B0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB & GMIB II All other Products sold after April 30, 50 2003 and 50 before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus: Forms All Products sold after April 30, 2005 and before 75 ML-560-2 and ML-560-4 before ML- February 26, 2007.. 560-4

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- ------------------------- ------------------------------------------- ------------------- -------------- GMIB All Products sold prior to 35.00 May 1, 2003 35 GMIB & GMIB II Plan codes 225080, 225090, 2250A0, 2250A1, 45 45.00 2250B0, 2250B1, 2250C0, 2250C1, 2250D0, 2250D1, 2250E0, 2250E1, 2250L0, 2250L1, 225180, and 2251B0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB & GMIB II All other Products sold after April 30, 50 50.00 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus: Forms Plus All Products sold after April 30, 2005 and 75 ML-560-2 and ML-560-4 before February 26, 2007.75.00

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- ------------------------------------------- ------------------- GMIB All Products sold prior to May 1, 2003 35 35.00 GMIB & GMIB II Plan codes 225080, 225090, 2250A0, 2250A1, 45 45.00 2250B0, 2250B1, 2250C0, 2250C1, 2250D0, 2250D1, 2250E0, 2250E1, 2250L0, 2250L1, 225180, and 2251B0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB & GMIB II All other Products sold after April 30, 50 50.00 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus: Forms Plus All Products sold after April 30, 2005 and 75 ML-560-2 and ML-560-4 before February 26, 2007.75.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- -------------------------------- ------------------------------------------- ------------------- GMIB All Products sold prior to May 1, 2003 35 GMIB & GMIB II GMIBII Plan codes 225080, 225090, 2250A0, 2250A1, 45 2250B0, 2250B1, 2250C0, 2250C1, 2250D0, 2250D1, 2250E0, 2250E1, 2250L0, 2250L1, 225180, and 2251B0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB & GMIB II All other Products sold after April 30, 2003 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus: Forms All Products sold after April 30, 2005 and 75 ML-560-2 and ML-560-4 and before February 26, 2007.

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- ------------------------------------------- ------------------- ----------------------- ----------------------------------------------- -------------------- GMIB All Products sold prior to May 1, 2003 35 GMIB & GMIB II Plan codes 225080, 225090, 2250A0, 45 2250A1, 45 2250B0, 2250B1, 2250C0, 2250C1, 2250D0, 2250D1, 2250E0, 2250E1, 2250L0, 2250L1, 225180, and 2251B0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB & GMIB II All other Products sold after April 30, 2003 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB PlusPlus I: Forms ML- All Products sold after April 30, 2005 and 75 ML-560560-2 and ML-560-4 before February 26, 2007, 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.