Common use of Premium Plus Product Clause in Contracts

Premium Plus Product. ================================= ===================== ==================== ============================= Death Benefit Issue Age Current (bp) Guaranteed (bp) ================================= ===================== ==================== ============================= Max 7%, < 40 5 100 On Applicable Funds 40-49 12 100 50-59 28 100 60-69 46 112 > 70 83 157 --------------------------------- --------------------- -------------------- ----------------------------- Max 5.5%, < 40 4 100 On Applicable Funds 40-49 10 100 50-59 23 100 60-69 38 100 > 70 74 130 --------------------------------- --------------------- -------------------- ----------------------------- 7% Solution, < 40 4 100 On Applicable Funds 40-49 10 100 50-59 25 100 60-69 41 100 > 70 77 138 --------------------------------- --------------------- -------------------- ----------------------------- 5.5% Solution, < 40 4 100 On Applicable Funds 40-49 8 100 50-59 20 100 60-69 31 100 > 70 67 107 --------------------------------- --------------------- -------------------- ----------------------------- Annual Ratchet, < 40 3 100 On Applicable Funds 40-49 7 100 50-59 14 100 60-69 21 100 > 70 38 100 --------------------------------- --------------------- -------------------- ----------------------------- Standard, < 40 1 100 On Applicable Funds 40-49 2 100 50-59 5 100 60-69 8 100 70-79 19 100 > 79 38 100 --------------------------------- --------------------- -------------------- ----------------------------- All Death Benefits, All 0 0 On Non-Applicable Funds ================================= ===================== ==================== ============================= EXHIBIT A CURRENT AND GUARANTEED ANNUAL MGDB CHARGES ------------------------------------------ Monthly charge is 1/12 of the annual charge factor.