Common use of INCOME PROGRAM Clause in Contracts

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------- ---------------------------------------------------------- ------------------- GMIB All Products issued prior to February 15, 2003 35.00 GMIB Plan codes BN2103, BN21M3, CS5103, CS51M3, XX00X0, XX00X0, 45.00 LS4103, LS4104, LS41M3, LS41R3, XX00X0, XX00X0, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, 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 All other Products issued after February 14, 2003 and 50.00 before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products, except Marquis Portfolio, sold on or before 75.00 February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 20, 2009 GMIB Plus Marquis Portfolio sold on or before February 20, 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 110.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------- ---------------------------------------------------------- ------------------- -------------- ------------------------------- -------------- GMIB All Products issued prior to 35.00 February 15, 2003 35.00 GMIB Plan codes BN2103, BN21M3, 45.00 CS5103, CS51M3, XX00X0CS51R3, XX00X0CS53R3, 45.00 LS4103, LS4104, LS41M3, LS41R3, XX00X0LS41R4, XX00X0LS43R3, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, 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 All other Products issued after 50.00 February 14, 2003 and 50.00 before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products, except Marquis Portfolio, sold on or before 75.00 February 20, 2009 Portfolio GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 20, 2009 GMIB Plus PLUS Marquis Portfolio sold on or before February 20, 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 110.0090.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------- ---------------------------------------------------------- ------------------------------------ -------------------------------------- ------------------- GMIB All Products issued prior to February 35.00 15, 2003 35.00 GMIB Plan codes BN2103, BN21M3, 45.00 CS5103, CS51M3, XX00X0CS51R3, XX00X0CS53R3, 45.00 LS4103, LS4104, LS41M3LS4104,LS41M3, LS41R3, XX00X0LS41R4, XX00X0LS43R3, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, 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 All other Products issued after 50.00 February 14, 2003 14,2003 and 50.00 before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products, except Marquis Portfolio, sold on or before 75.00 February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 20, 2009 Portfolio GMIB Plus Marquis Portfolio sold on or before February 20, 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 110.0090.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------- ---------------------------------------------------------- ---------------------------------- --------------------------------------------------------- ------------------- GMIB All Products issued prior to February 15, 2003 35.00 GMIB Plan codes BN2103, BN21M3, CS5103, CS51M3, XX00X045.00 CS51R3, XX00X0CS53R3, 45.00 LS4103, LS4104, LS41M3LS4104,LS41M3, LS41R3, XX00X0LS41R4, XX00X0LS43R3, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 1,2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB All other Products issued after February 14, 2003 50.00 and 50.00 before May 1, 2005 I,2005 and for All Products products sold after April 30, 2005 GMIB Plus All Products, except Marquis Marqlis Portfolio, sold on or 75.00 before 75.00 February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 20, 2009 GMIB Plus . Marquis Portfolio sold on or before February 20, 90.00 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 110.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------- ---------------------------------------------------------- ---------------------------------- --------------------------------------------------------- ------------------- GMIB All Products issued prior to February 15, 2003 35.00 GMIB Plan codes BN2103, BN21M3, CS5103, CS51M3, XX00X045.00 CS51R3, XX00X0CS53R3, 45.00 LS4103, LS4104, LS41M3, LS41R3, XX00X0LS41R4, XX00X0LS43R3, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, ST1AG4, ST1AR4STlAR4, 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 All other Products issued after February 14, 2003 50.00 and 50.00 before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus All Products, except Marquis Portfolio, sold on or 75.00 before 75.00 February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 20, 2009 GMIB Plus Marquis Portfolio sold on or before February 20, 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 110.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) --------------- ---------------------------------------------------------- ----------------------------- ------------------------------------------ ------------------- GMIB All Products issued sold prior to 35 February 15, 2003 35.00 GMIB and GMIB II Plan codes BN2103, BN21M3, CS5103, CS51M3CS51R3, XX00X045 LS4103, XX00X0, 45.00 LS4103LS41R3, LS4104, LS41M3, LS41R3, XX00X0, XX00X0LS41R4, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, 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 issued sold after February 14, 50 2003 and 50.00 before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All ProductsProducts sold after April 30, except Marquis Portfolio2005 and 75 before February 26, 2007. GMIB Plus All Products sold on or before 75.00 after 80 February 2026, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 20, 2009 GMIB Plus Marquis Portfolio sold 2007 and on or before February 20, 2009 90.00 2009. GMIB Plus Marquis Portfolio All Products sold after February 20, 2009 110.002009. 100