Common use of JOINT AND SURVIVOR ANNUITIES Clause in Contracts

JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Joint and Two-Thirds Survivor Certain Period Certain Period 120 240 Joint 120 240 None Months Months Age None Months Months $4.82 $4.82 $4.81 55 $5.16 $5.13 $5.03 4.87 4.87 4.85 56 5.23 5.19 5.08 4.92 4.92 4.90 57 5.30 5.26 5.13 4.98 4.98 4.96 58 5.38 5.33 5.18 5.04 5.04 5.01 59 5.46 5.41 5.24 5.11 5.10 5.07 60 5.54 5.49 5.30 5.18 5.17 5.13 61 5.64 5.57 5.36 5.25 5.25 5.19 62 5.74 5.66 5.42 5.33 5.32 5.26 63 5.84 5.75 5.48 5.42 5.41 5.32 64 5.96 5.86 5.54 5.51 5.50 5.39 65 6.08 5.96 5.61 5.60 5.59 5.46 66 6.21 6.07 5.67 5.71 5.70 5.54 67 6.35 6.19 5.73 5.82 5.80 5.61 68 6.50 6.32 5.79 5.95 5.92 5.68 69 6.66 6.45 5.85 6.08 6.05 5.75 70 6.83 6.59 5.91 Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age Before 1920 + 2 1960-1969 - 3 1920-1929 + 1 1970-1979 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.

JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Joint and Two-Thirds to Survivor Certain Period Certain Period ---------------------------------------------------------------------- Joint None 120 240 Joint Age None 120 240 None Months Months Age None Months Months $4.82 $4.82 $4.81 55 $5.16 $5.13 $------ ------ ------ ----- ------ ------ ------ $ 5.03 4.87 4.87 4.85 56 5.23 5.19 5.08 4.92 4.92 4.90 57 5.30 5.26 5.13 4.98 4.98 4.96 58 5.38 $ 5.03 $ 4.99 60 $ 5.46 $ 5.40 $ 5.22 5.10 5.09 5.05 61 5.55 5.48 5.28 5.17 5.17 5.11 62 5.65 5.57 5.34 5.25 5.24 5.18 63 5.75 5.67 5.40 5.33 5.18 5.04 5.04 5.01 59 5.33 5.24 64 5.86 5.77 5.46 5.41 5.24 5.11 5.10 5.07 60 5.54 5.49 5.30 5.18 5.17 5.13 61 5.64 5.57 5.36 5.25 5.25 5.19 62 5.74 5.66 5.42 5.33 5.32 5.26 63 5.84 5.75 5.48 5.42 5.41 5.32 64 5.96 5.31 65 5.98 5.87 5.52 5.52 5.51 5.38 66 6.11 5.98 5.58 5.62 5.61 5.45 67 6.25 6.10 5.64 5.73 5.72 5.52 68 6.40 6.22 5.70 5.85 5.83 5.59 69 6.56 6.35 5.76 5.98 5.95 5.66 70 6.73 6.49 5.82 6.12 6.08 5.73 71 6.91 6.63 5.87 6.27 6.22 5.80 72 7.11 6.78 5.93 6.43 6.37 5.86 5.54 5.51 5.50 5.39 65 6.08 5.96 5.61 5.60 5.59 5.46 66 6.21 6.07 5.67 5.71 5.70 5.54 67 6.35 6.19 5.73 5.82 5.80 5.61 68 6.50 6.32 5.79 5.95 73 7.32 6.94 5.97 6.61 6.52 5.92 5.68 69 6.66 6.45 5.85 6.08 6.05 5.75 70 6.83 6.59 5.91 74 7.55 7.10 6.02 6.80 6.69 5.97 75 7.79 7.26 6.06 Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age -------------------- ----------------- ------------- ----------------- Before 1920 + 2 1960+2 1970-1969 - 3 1979 -4 1920-1929 + 1 1970+1 1980-1979 - 4 1989 -5 1930-1939 0 19801990-1989 - 5 1999 -6 1940-1949 - 1 1990-1 2000-1999 - 6 2009 -7 1950-1959 - 2 ETC. ETC.-2 2010-2019 -8 1960-1969 -3

JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Joint and Two-Thirds to Survivor Certain Period Certain Period Joint None 120 240 Joint Age None 120 240 None Months Months Age None Months Months ------------------------------------------------------------------------------------------------------------------------------------ $4.82 5.17 $4.82 5.17 $4.81 55 5.14 60 $5.16 5.59 $5.13 5.54 $5.03 4.87 4.87 4.85 56 5.37 5.23 5.19 5.08 4.92 4.92 4.90 57 5.23 5.20 61 5.68 5.62 5.43 5.31 5.30 5.26 5.13 4.98 4.98 4.96 58 62 5.78 5.71 5.49 5.38 5.33 5.18 5.04 5.04 5.01 59 5.38 5.32 63 5.88 5.80 5.56 5.46 5.41 5.24 5.11 5.10 5.07 60 5.46 5.39 64 5.99 5.90 5.62 5.55 5.54 5.49 5.30 5.18 5.17 5.13 61 5.46 65 6.11 6.00 5.68 5.65 5.64 5.57 5.36 5.25 5.25 5.19 62 5.74 5.66 5.42 5.33 5.32 5.26 63 5.53 66 6.23 6.11 5.75 5.75 5.73 5.60 67 6.36 6.23 5.81 5.85 5.84 5.67 68 6.51 6.35 5.87 5.97 5.95 5.75 5.48 5.42 5.41 5.32 64 5.96 5.86 5.54 5.51 5.50 5.39 65 6.08 5.96 5.61 5.60 5.59 5.46 66 6.21 6.07 5.67 5.71 5.70 5.54 67 6.35 6.19 5.73 5.82 5.80 5.61 68 6.50 6.32 5.79 5.95 5.92 5.68 69 6.66 6.45 5.85 6.08 6.05 5.75 6.48 5.94 6.09 6.07 5.82 70 6.83 6.59 5.91 6.61 6.00 6.23 6.20 5.90 71 7.00 6.75 6.06 6.37 6.33 5.97 72 7.19 6.90 6.11 6.53 6.47 6.03 73 7.40 7.06 6.17 6.69 6.63 6.10 74 7.62 7.22 6.22 6.87 6.79 6.16 75 7.85 7.38 6.26 Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age -------------- ----------------- ------------- ----------------- Before 1920 + 2 1960+2 1970-1969 - 3 1979 -4 1920-1929 + 1 1970+1 1980-1979 - 4 1989 -5 1930-1939 0 19801990-1989 - 5 1999 -6 1940-1949 - 1 1990-1 2000-1999 - 6 2009 -7 1950-1959 - 2 ETC. ETC.-2 2010-2019 -8 1960-1969 -3

JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Joint and Two-Thirds Survivor Certain Period Certain Period 120 240 Joint 120 240 None Months Months Age None Months Months $4.82 $4.82 $4.81 55 $5.16 $5.13 $5.03 4.87 4.87 4.85 56 5.23 5.19 5.08 4.92 4.92 4.90 57 5.30 5.26 5.13 4.98 4.98 4.96 58 5.38 5.33 5.18 5.04 5.04 5.01 59 5.46 5.41 5.24 5.11 5.10 5.07 60 5.54 5.49 5.30 5.18 5.17 5.13 61 5.64 5.57 5.36 5.25 5.25 5.19 62 5.74 5.66 5.42 5.33 5.32 5.26 63 5.84 5.75 5.48 5.42 5.41 5.32 64 5.96 5.86 5.54 5.51 5.50 5.39 65 6.08 5.96 5.61 5.60 5.59 5.46 66 6.21 6.07 5.67 5.71 5.70 5.54 67 6.35 6.19 5.73 5.82 5.80 5.61 68 6.50 6.32 5.79 5.95 5.92 5.68 69 6.66 6.45 5.85 6.08 6.05 5.75 70 6.83 6.59 5.91 Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age Before 1920 + 2 1960-1969 - 3 -3 1920-1929 + 1 1970-1979 - 4 -4 1930-1939 0 1980-1989 - 5 -5 1940-1949 - 1 1990-1999 - 6 -6 1950-1959 - 2 ETC. ETC.

JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Joint and Two-Thirds Survivor Certain Period Certain Period Joint None 120 240 Joint Age None 120 240 None Months Months Age None Months Months $4.37 $4.37 ????? 60 $4.78 $4.74 $4.57 4.44 4.44 4.40 61 4.88 4.82 $4.63 4.52 4.51 4.46 62 4.97 4.91 4.69 4.60 4.59 4.53 63 5.08 5.00 4.76 4.68 4.68 4.60 64 5.19 5.10 4.82 $4.81 55 $5.16 $5.13 $5.03 4.77 4.77 4.67 65 5.31 5.21 4.88 4.87 4.87 4.85 56 5.23 5.19 5.08 4.92 4.92 4.90 57 5.30 5.26 5.13 4.98 4.86 4.74 66 5.44 5.32 4.95 4.98 4.96 58 5.38 5.33 4.82 67 5.57 5.44 5.01 5.09 5.07 4.89 68 5.72 5.56 5.08 5.21 5.19 4.96 69 5.87 5.69 5.14 5.34 5.31 5.04 70 6.04 5.83 5.20 5.47 5.44 5.11 71 6.22 5.97 5.25 5.62 5.58 5.18 5.04 5.04 5.01 59 5.46 5.41 72 6.42 6.12 5.31 5.78 5.73 5.24 5.11 5.10 5.07 60 5.54 5.49 73 6.62 6.28 5.36 5.96 5.88 5.30 5.18 5.17 5.13 61 5.64 5.57 74 6.85 6.44 5.40 6.14 6.05 5.36 5.25 5.25 5.19 62 5.74 5.66 5.42 5.33 5.32 5.26 63 5.84 5.75 5.48 5.42 5.41 5.32 64 5.96 5.86 5.54 5.51 5.50 5.39 65 6.08 5.96 5.61 5.60 5.59 5.46 66 6.21 6.07 5.67 5.71 5.70 5.54 67 6.35 6.19 5.73 5.82 5.80 5.61 68 6.50 6.32 5.79 5.95 5.92 5.68 69 6.66 6.45 5.85 6.08 6.05 5.75 70 6.83 6.59 5.91 75 7.09 6.61 5.44 Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age Before 1920 + 2 1970-1979 - 4 1920-1929 + 1 1980-1989 - 5 1930-1939 0 1990-1999 - 6 1940-1949 - 1 2000-2009 - 7 1950-1959 - 2 2010-2019 - 8 1960-1969 - 3 1920-1929 + 1 1970-1979 After 2019 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.9