Common use of INCOME PROGRAM Clause in Contracts

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------- ----------------------------------- -------------- GMIB All Products sold prior to 35.00 February 15, 2003 GMIB and GMIB II Plan codes BN2103, CS5103, 45.00 CS51R3, LS4103, LS41R3, LS4104, LS41R4, ST1103, ST11R3, ST11X3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products sold after 50.00 February 14, 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products sold after 75.00 April 30, 2005

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------- ----------------------------------- -------------- ---------------------------------- --------------------------------------------------------- ------------------- GMIB All Products sold prior to 35.00 35 February 15, 2003 GMIB and GMIB II Plan codes BN2103, CS5103, 45.00 CS51R3, LS4103, LS41R3, 45 LS4104, LS41R4, ST1103, ST11R3, ST11X3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products sold after 50.00 February 14, 2003 and 50 before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products sold after 75.00 April 30, 20052005 and before 75 February 26, 2007. GMIB Plus All Products sold on or after February 26, 2007 and on or 80 before February 20, 2009. GMIB Plus All Products sold after February 20, 2009. 100

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------- ----------------------------------- -------------- ----------------- ------------------------------------------ ------------------- GMIB All Products sold prior to 35.00 35 February 15, 2003 GMIB and GMIB II Plan codes BN2103, CS5103, 45.00 CS51R3, LS4103, 45 LS41R3, LS4104, LS41R4, ST1103, ST11R3, ST11X3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products sold after 50.00 February 14, 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus All Products sold after 75.00 April 30, 20052005 and 75 before February 26, 2007. GMIB Plus All Products sold on or after 80 February 26, 2007.

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------- ----------------------------------- -------------- ----------------------------- ------------------------------------------- ------------------- GMIB All Products sold prior to 35.00 February 15May 1, 2003 35 GMIB and & GMIB II Plan codes BN2103225080, CS5103225090, 45.00 CS51R32250A0, LS41032250A1, LS41R345 2250B0, LS41042250B1, LS41R42250C0, ST11032250C1, ST11R32250D0, ST11X32250D1,2250E0,2250E1, ST1AG42250L0, ST1AR42250L1, 225180, and ST1NA4 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 and & GMIB II All other Products sold after 50.00 February 14April 30, 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus Plus: Forms All Products sold after 75.00 April 30, 20052005 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 35.00 February 15May 1, 2003 35 GMIB and & GMIB II Plan codes BN2103225080, CS5103225090, 45.00 CS51R32250A0, LS41032250A1, LS41R345 2250B0, LS41042250B1, LS41R42250C0, ST11032250C1, ST11R32250D0, ST11X32250D1, ST1AG42250E0, ST1AR42250E1, 2250L0, 2250L1, 225180, and ST1NA4 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 and & GMIB II All other Products sold after 50.00 February 14April 30, 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus All Products sold after 75.00 April 30, 20052005 and 75 before February 26, 2007. GMIB Plus All Products sold on or after February 26, 80 2007.

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------- ----------------------------------- -------------- ----------------- ---------------------------------------------------- ------------------- GMIB All Products sold prior to 35.00 35 February 15, 2003 GMIB and GMIB II Plan codes BN2103, CS5103, 45.00 CS51R3, LS4103, LS41R3, 45 LS4104, LS41R4, ST1103, ST11R3, ST11X3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products sold after 50.00 February 14, 2003 and 50 before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus All Products sold after 75.00 April 30, 20052005 and before 75 February 26, 2007. GMIB Plus All Products sold on or after February 26, 2007. 80

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------- ----------------------------------- -------------- ----------------- ------------------------------------------ --------------- GMIB All Products sold prior to 35.00 35 February 15, 2003 15,2003 GMIB and GMIB II Plan codes BN2103, CS5103, 45.00 CS51R3, 45 LS4103, LS41R3, LS4104, LS41R4, ST1103, ST11R3, ST11X3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products sold after 50.00 February 14, 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products sold after 75.00 75 April 30, 20052005 and before February 26, 2007. GMIB Plus All Products sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus All Products sold after February 20, 2009. 100