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, 45.00 CS51R3, CS53R3, LS4103, LS4104,LS41M3, LS41R3, LS41R4, LS43R3, 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 50.00 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus I All Products, except Marquis Portfolio, 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 20, 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 04, 2009 110.00 GMIB Plus III Marquis Portfolio sold on or after July 19, 2010 110.00 and on or before April 29, 2011 GMIB Plus III Marquis Portfolio sold after April 29, 2011 115.00

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, 45.00 CS51R3, CS53R3CS51R3,CS53R3, LS4103, LS4104,LS41M3, LS41R3, LS41R4XX00X0, LS43R3XX00X0, 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, 50.00 2003 50.00 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus I All Products, except Marquis Portfolio, sold 75.00 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 115.00 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 95.00 after 95.00 February 20, 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 115.00 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 95.00 on or 95.00 after May 04, 2009. GMIB Plus III All Products, except Marquis Portfolio, sold 95.00 on or 95.00 after July 19, 2010 and on or before April 29, 2011 GMIB Plus III All Products, except Marquis Portfolio, sold 100.00 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 Products 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 100.00 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 90.00 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 130.00 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, 110.00 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, 130.00 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 04, 110.00 2009 110.00 GMIB Plus III Marquis Portfolio sold on or after July 19, 110.00 2010 110.00 and on or before April 29, 2011 GMIB Plus III Marquis Portfolio sold after April 29, 2011 115.00

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, 45.00 CS51R3, CS53R3, LS4103, LS4104,LS41M3, LS41R3, LS41R4, LS43R3, 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 50.00 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus I All Products, except Marquis Portfolio, 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- 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 20, 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- Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold on or after May 04, 2009 110.00 GMIB Plus III Marquis Portfolio sold on or after July 19, 2010 110.00 and on or before April 29, 2011 GMIB Plus III Marquis Portfolio sold after April 29, 2011 115.00