Common use of Reinsurance Premiums Clause in Contracts

Reinsurance Premiums. The quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFE, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s age at the end of each quarter. If the contract is jointly owned, the reinsurance premiums shall be based on the age of the younger annuitant. NATIONAL INTEGRITY LIFE shall determine the annuitant’s age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule E, attached hereto. 2. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFE’s variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current quarter, at the time of settlement for the prior quarter. 3. For attained ages less than 65, the premium over each calendar year will be at least equivalent to the Age Adjusted Aggregate Contract Values times 3.0 BASIS POINTS (.0003), subject to the funds set forth in Schedule B. 4. For attained ages less than 65, the maximum premium over each calendar year will be no more than the Age Adjusted Aggregate Contract Values times 10. BASIS POINTS (.0010), subject to the funds set forth in Schedule B. 5. For attained ages 65 and over, the annual premium rate is 16.4 BASIS POINTS (.00164) times the Age Adjusted Aggregate Contract Values, subject to the funds set forth in Schedule B.

Reinsurance Premiums. The calendar quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFENASL, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s owner's age at the end of the each calendar quarter. If the contract is jointly ownedhas more than one owner, the reinsurance premiums shall be based on the age listed on the records of the younger annuitantNASL. NATIONAL INTEGRITY LIFE NASL shall determine the annuitant’s owner s age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule E, attached hereto. 2. The reinsurance premiums shall be calculated separately for funds identified as variable and guaranteed in Schedule B. 3. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFE’s NASL's variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current quarter, at the time of settlement for the prior quarter.A. 34. For attained ages less than 65funds identified as variable in Schedule B, the premium over each calendar year will be at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times 3.0 6.0 BASIS POINTS (.0003), subject to the funds set forth in Schedule B. 4. For .0006) for attained ages less than 65, the maximum premium over each calendar year will be no more than 70 and the Age Adjusted Aggregate Contract Values times 10. 20.0 BASIS POINTS (.0010), subject to the funds set forth in Schedule B..0020) for attained ages 70 and older. 5. For funds identified as guaranteed in Schedule B, there will be no minimum premium regardless of attained ages 65 and overage. 6. For all funds identified in Schedule B, the annual premium rate is over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract Values times 16.4 BASIS POINTS (.00164) times for attained ages less than 70 and the Age Adjusted Aggregate Contract Values, subject to the funds set forth in Schedule B.Values times 34.0 BASIS POINTS (.0034) for attained ages 70 and older.

Reinsurance Premiums. The quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFESAFECO, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s owner's age at the end of each quarter. If the contract is jointly owned, the reinsurance premiums shall be based on the age of the younger annuitantolder owner. NATIONAL INTEGRITY LIFE SAFECO shall determine the annuitant’s owner's age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule E, attached hereto. 2. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFE’s SAFECO's variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The 50% of the Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General Reinsurer in advance for the current quarter, at the time of settlement for the prior quarter. 3. For contract holders with attained ages less than 6565 and for qualified business only, the reinsurance premium over each calendar year will be at least equivalent to the Age Adjusted Aggregate Contract Values times 3.0 BASIS POINTS (.0003)_______________, subject to the funds set forth in Schedule B. 4. For contract holders with attained ages less than 6565 and for qualified business only, the maximum reinsurance premium over each calendar year will be no more than the Age Adjusted Aggregate Contract Values times 10. BASIS POINTS (.0010)_______________________, subject to the funds set forth in Schedule B. 5. For contract holders with attained ages 65 and overabove and for qualified business only, the annual reinsurance premium rate is 16.4 BASIS POINTS (.00164) times the Age Adjusted Aggregate Contract Valuesover each calendar year will be _______________, subject to the funds set forth in Schedule B. 6. For contract holders with attained ages less than 65 and for non-qualified business only, the reinsurance premium over each calendar year will be _______________, subject to the funds set forth in Schedule B. 7. For contract holders with attained ages less than 65 and for non-qualified business only, the reinsurance premium over each calendar year will be _______________, subject to the funds set forth in Schedule B. 8. For contract holders with attained ages 65 and above and for non-qualified business only, the reinsurance premium over each calendar year will be _______________, subject to the funds set forth in Schedule B. 9. The reinsurance premium during any quarter will be the product of the quarterly exposure, as described in paragraph 10 below, and the age and sex specific rate from Schedule D, the Quarterly Reinsurance Premium Rate table. The actual reinsurance premium earned by the Reinsurer will be subject to the minimum and maximum amounts described above. 10. For calculating quarterly exposure, the account value is subtracted from the Minimum Guaranteed Death Benefit (MGDB) for every annuitant at the beginning of each quarter and at the end of each quarter. Negative amounts are not included. The average of these two values is the quarterly exposure. 11. For calculating the minimums and maximums described in paragraphs 2-8 above, the Age Adjusted Aggregate Contract Value is the average of the values taken on the beginning of each quarter and the end of each quarter.

Reinsurance Premiums. The quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFEIntegrity Life, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s age at the end of each quarter. If the contract is jointly owned, the reinsurance premiums shall be based on the age of the younger annuitant. NATIONAL INTEGRITY LIFE Integrity Life shall determine the annuitant’s age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule E, attached hereto. 2. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFEIntegrity Life’s variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER Attained Age 89 or older and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current quarter, at the time of settlement for the prior quarter. 3. For attained ages less than 65, the premium over each calendar year will be at least equivalent to the Age Adjusted Aggregate Contract Values times 3.0 BASIS POINTS basis points (.0003), subject to the funds set forth in Schedule B. 4. For attained ages less than 65, the maximum premium over each calendar year will be no more than the Age Adjusted Aggregate Contract Values times 10. BASIS POINTS 9.2 basis points (.0010.00092), subject to the funds set forth in Schedule B. 5. For attained ages 65 and overthrough 84, the annual premium rate is 16.4 BASIS POINTS 15.2 basis points (.00164.00152) times the Age Adjusted Aggregate Contract Values, subject to the funds set forth in Schedule B. 6. For issue ages 76 though 79 and have attained age 85 or older, and less than ten (10) years from issue, the annual premium rate is 21.6 basis points (.00216) times the Age Adjusted Aggregate Contract Values, subject to the funds set forth in Schedule B. 4. The attached Schedule E will be submitted for the corresponding schedule attached to this Agreement This amendment will be effective May 1, 1996. In witness whereof, this amendment is signed in duplicate on the dates indicated at the home office of each company. INTEGRITY LIFE INSURANCE COMPANY By: /s/ Xxxxxx X. Xxxx Date: October 3, 1996 CONNECTICUT GENERAL LIFE INSURANCE COMPANY By: /s/ Xxxxx X. Xxxxxxxxxx Date: September 6, 1996 A. It is agreed by the two companies to amend Schedule A of the Agreements identified below: 1. Agreement effective January 1, 1997 reinsuring Pinnacle III 2. Agreement effective January 1, 1997 reinsuring GrandMaster III 3. Agreement effective May 1, 1997 reinsuring IQ The Smart Annuity 4. Agreement effective January 1, 1995 reinsuring XxxxxXxxxxx XX 5. Agreement effective January 1, 1995 reinsuring Pinnacle B. Now therefore, the attached Schedule A shall be substituted for the corresponding Schedule A attached to each of the above-captioned Agreements. C. Reinsurance in force hereunder will continue to be governed by the terms and conditions of the above-captioned Agreements as amended. D. This amendment will be effective for contracts issued on or after June 12, 1998. In witness whereof, this amendment is signed in duplicate on the dates indicated at the home office of each company. INTEGRITY LIFE INSURANCE COMPANY By: /s/ Xxxxxx X. Xxxx Date: 7/27, 1998 CONNECTICUT GENERAL LIFE INSURANCE COMPANY By: /s/ Xxxxx Rahub Date: 7/21, 1998 Connecticut General requires prior notification of any initial annuity purchase amount in excess of $4,000,000 per contract. Upon receipt of such notification, Connecticut General then has the obligation to notify Integrity Life within five days of its decision to accept or not accept the reinsurance risk in excess of $4,000,000 for such annuity purchase. Should Connecticut General not respond within five days, it shall be deemed that Connecticut General does not agree to accept the risk in excess of $4,000,000. For contracts with initial purchase amounts in excess of the maximum of $4,000,000, Connecticut General’s percentage share of any future liability will be equal to the ratio of the amount of the initial purchase payment Connecticut General has agreed to accept over the total initial purchase amount. Absent prior written consent of Connecticut General, this ratio shall not change regardless of subsequent purchase amounts or withdrawals. For all contracts with total purchase amounts exceeding $4,000,000 Connecticut General requires notification of all subsequent purchase amounts of $1,000,000 or more. Upon receipt of such notification, Connecticut General then has the obligation to notify Integrity Life within five days of the percentage share of any future liability it will accept on that contract, not to be less than the total of all purchase amounts previously accepted prior to the purchase amount in question to the total of all purchase amounts. Should Connecticut General not respond within five days, it shall be deemed that Connecticut General’s percentage share of any future liability shall be equal to the total purchase amounts previously accepted prior to the purchase amount in question to the total of all purchase amounts. In accordance with the Agreement, Connecticut General’s limits of reinsurance liability extend to the jurisdictions in which Integrity Life is properly licensed and authorized to do business at the time that reinsured contracts were issued. It is agreed by the two companies to amend the Agreement as follows: 1. To amend Schedule B of the Agreement. Therefore, the attached Schedule shall be substituted for the corresponding Schedule B of the Agreement. 2. Reinsurance in force hereunder will continue to be governed by the terms and conditions of the above-captioned Agreement as amended. This amendment is applicable to all in force. In witness whereof, this amendment is signed in duplicate on the dates indicated at the home office of each company. INTEGRITY LIFE INSURANCE COMPANY By: /s/ Xxxxxx X. Xxxx Date: 9/24, 1999 CONNECTICUT GENERAL LIFE INSURANCE COMPANY By: /s/ Xxxx Xxxxxxxxx Date: 9/10, 1999 It is agreed by the two companies to amend the Agreement, as follows: 1. Connecticut General hereby waives its right to approve new or revised funds prior to coverage being issued hereunder. If Integrity intends Connecticut General to assume reinsurance liability with respect to a new fund, or a revised version of an approved fund, it agrees to provide Connecticut General with written notice of such intention together with a copy of the fund revision. 2. To amend Article II entitled Amounts at Risk. Therefore, effective July 1, 2000, paragraph A of Article II shall be replaced with the following: A. The reinsurance death benefit is 92.5% of the excess of the minimum guaranteed death benefit over the Account Value. At issue, the minimum guaranteed death benefit is equal to the purchase price of the contract. Refer to Schedule C for a detailed description of the guaranteed minimum death benefit. 3. Schedule E shall be amended. Therefore, the attached Schedule E shall replace the corresponding Schedule E of the Agreement. 4. Reinsurance in force hereunder will continue to be governed by the terms and conditions of the Agreement, as amended. 5. Except as specifically defined herein, this Amendment will be effective May 1, 2000 and is applicable to all in force contracts.

Reinsurance Premiums. The quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFENational Integrity Life, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s age at the end of each quarter. If the contract is jointly owned, the reinsurance premiums shall be based on the age of the younger annuitant. NATIONAL INTEGRITY LIFE National Integrity Life shall determine the annuitant’s age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule E, attached hereto. 2. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFENational Integrity Life’s variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER Attained Age 89 or older and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current quarter, at the time of settlement for the prior quarter. 3. For attained ages less than 65, the premium over each calendar year will be at least equivalent to the Age Adjusted Aggregate Contract Values times 3.0 BASIS POINTS basis points (.0003), subject to the funds set forth in Schedule B. 4. For attained ages less than 65, the maximum premium over each calendar year will be no more than the Age Adjusted Aggregate Contract Values times 10. BASIS POINTS 9.2 basis points (.0010.00092), subject to the funds set forth in Schedule B. 5. For attained ages 65 and overthrough 84, the annual premium rate is 16.4 BASIS POINTS 15.2 basis points (.00164.00152) times the Age Adjusted Aggregate Contract Values, subject to the funds set forth in Schedule B. 6. For issue ages 76 though 79 and have attained age 85 or older, and less than ten (10) years from issue, the annual premium rate is 21.6 basis points (.00216) times the Age Adjusted Aggregate Contract Values, subject to the funds set forth in Schedule B. 4. The attached Schedule E will be submitted for the corresponding schedule attached to this Agreement This amendment will be effective May 1, 1996. In witness whereof, this amendment is signed in duplicate on the dates indicated at the home office of each company. NATIONAL INTEGRITY LIFE INSURANCE COMPANY By: /s/ Xxxxxx X. Xxxx Date: October 3, 1996 CONNECTICUT GENERAL LIFE INSURANCE COMPANY By: /s/ Xxxxx X. Xxxxxxxxxx Date: September 6, 1996 A. It is agreed by the two companies to amend Schedule A of the Agreements identified below: 1. Agreement effective January 1, 1997 reinsuring Pinnacle III 2. Agreement effective January 1, 1997 reinsuring GrandMaster III 3. Agreement effective May 1, 1997 reinsuring IQ The Smart Annuity 4. Agreement effective January 1, 1995 reinsuring XxxxxXxxxxx XX 5. Agreement effective January 1, 1995 reinsuring Pinnacle B. Now therefore, the attached Schedule A shall be substituted for the corresponding Schedule A attached to each of the above-captioned Agreements. C. Reinsurance in force hereunder will continue to be governed by the terms and conditions of the above-captioned Agreements as amended. D. This amendment will be effective for contracts issued on or after June 12, 1998. In witness whereof, this amendment is signed in duplicate on the dates indicated at the home office of each company. NATIONAL INTEGRITY LIFE INSURANCE COMPANY By: /s/ Xxxxxx X. Xxxx Date: 7/27, 1998 CONNECTICUT GENERAL LIFE INSURANCE COMPANY By: /s/ Xxxxx Rahub Date: 7/21, 1998 Connecticut General requires prior notification of any initial annuity purchase amount in excess of $4,000,000 per contract. Upon receipt of such notification, Connecticut General then has the obligation to notify National Integrity Life within five days of its decision to accept or not accept the reinsurance risk in excess of $4,000,000 for such annuity purchase. Should Connecticut General not respond within five days, it shall be deemed that Connecticut General does not agree to accept the risk in excess of $4,000,000. For contracts with initial purchase amounts in excess of the maximum of $4,000,000, Connecticut General’s percentage share of any future liability will be equal to the ratio of the amount of the initial purchase payment Connecticut General has agreed to accept over the total initial purchase amount. Absent prior written consent of Connecticut General, this ratio shall not change regardless of subsequent purchase amounts or withdrawals. For all contracts with total purchase amounts exceeding $4,000,000 Connecticut General requires notification of all subsequent purchase amounts of $1,000,000 or more. Upon receipt of such notification, Connecticut General then has the obligation to notify National Integrity Life within five days of the percentage share of any future liability it will accept on that contract, not to be less than the total of all purchase amounts previously accepted prior to the purchase amount in question to the total of all purchase amounts. Should Connecticut General not respond within five days, it shall be deemed that Connecticut General’s percentage share of any future liability shall be equal to the total purchase amounts previously accepted prior to the purchase amount in question to the total of all purchase amounts. In accordance with the Agreement, Connecticut General’s limits of reinsurance liability extend to the jurisdictions in which National Integrity Life is properly licensed and authorized to do business at the time that reinsured contracts were issued. It is agreed by the two companies to amend the Agreement as follows: 1. To amend Schedule B of the Agreement. Therefore, the attached Schedule shall be substituted for the corresponding Schedule B of the Agreement. 2. Reinsurance in force hereunder will continue to be governed by the terms and conditions of the above-captioned Agreement as amended. This amendment is applicable to all in force. In witness whereof, this amendment is signed in duplicate on the dates indicated at the home office of each company. NATIONAL INTEGRITY LIFE INSURANCE COMPANY By: /s/ Xxxxxx X. Xxxx Date: 9/24, 1999 CONNECTICUT GENERAL LIFE INSURANCE COMPANY By: /s/ Xxxx Xxxxxxxxx Date: 9/10, 1999 It is agreed by the two companies to amend the Agreement, as follows: 1. Connecticut General hereby waives its right to approve new or revised funds prior to coverage being issued hereunder. If National Integrity intends Connecticut General to assume reinsurance liability with respect to a new fund, or a revised version of an approved fund, it agrees to provide Connecticut General with written notice of such intention together with a copy of the fund revision. 2. To amend Article II entitled Amounts at Risk. Therefore, effective July 1, 2000, paragraph A of Article II shall be replaced with the following: A. The reinsurance death benefit is 92.5% of the excess of the minimum guaranteed death benefit over the Account Value. At issue, the minimum guaranteed death benefit is equal to the purchase price of the contract. Refer to Schedule C for a detailed description of the guaranteed minimum death benefit. 3. Schedule E shall be amended. Therefore, the attached Schedule E shall replace the corresponding Schedule E of the Agreement. 4. Reinsurance in force hereunder will continue to be governed by the terms and conditions of the Agreement, as amended. 5. Except as specifically defined herein, this Amendment will be effective May 1, 2000 and is applicable to all in force contracts.

Reinsurance Premiums. The calendar quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFENASL, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s 's age last birthday at the end of each calendar quarter. If the contract is jointly ownedhas more than one annuitant, the reinsurance premiums shall be based on the age listed on the records of the younger annuitant. NATIONAL INTEGRITY LIFE NASL NASL shall determine the annuitant’s 's age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule schedule E, attached hereto. 2. The reinsurance premiums shall be calculated separately for funds identified as variable and guaranteed in Schedule B. 3. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFE’s NASL's variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current quarter, at the time of settlement for the prior quarter.A. 34. For funds identified as variable in Schedule B, and for attained ages less than 6570, the premium over each calendar year will be at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times 3.0 BASIS POINTS [*] for year one (.00031): [*] for year two (2), subject to the funds set forth in Schedule B. 4; and [*] thereafter. For attained ages less than 65, 70 and older the maximum premium over each calendar year will be no more than at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times 10. BASIS POINTS [*] for year one (.00101), subject to the funds set forth in Schedule B.; [*] for year two (2): and [*] thereafter, 5. For funds identified as guaranteed in Schedule B, there will be no minimum premium regardless of attained age. 6. For all funds identified in Schedule B, and for attained ages 65 and overless than 70, the annual premium rate is 16.4 BASIS POINTS (.00164) times over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract ValuesValues times [*] for year one (1); [*] for year two (2) and [*] thereafter. For attained ages 70 and older the premium over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract Values times [*] for year one (1); [*] for year two (2) and [*] thereafter. NORTH AMERICAN SECURITY LIFE CIGNA REINSURANCE VEN 7, subject to the funds set forth in Schedule B.8, 17, 18 DECEMBER 20, 1995

Reinsurance Premiums. The calendar quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFENASL, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s 's age last birthday at the end of each calendar quarter. If the contract is jointly ownedhas more than one annuitant, the reinsurance premiums shall be based on the age listed on the records of the younger annuitantNASL. NATIONAL INTEGRITY LIFE NASL shall determine the annuitant’s 's age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule schedule E, attached hereto. 2. The reinsurance premiums shall be calculated separately for funds identified as variable and guaranteed in Schedule B. 3. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFE’s NASL'S variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The A. 4. For funds identified as variable in Schedule B, and for attained ages less than 70, the premium over each calendar year will be at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times [*] for year one (1); [*] for year two (2); and [*] thereafter. For attained ages 70 and older the premium over each calendar year will be at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times [*] for year one (1); [*] for year two (2); and [*] thereafter. 5. For funds identified as guaranteed in Schedule B, there will be no minimum premium regardless of attained age. 6. For all funds identified in Schedule B, and for attained ages less than 70, the premium over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract Values times [*] for year one (1); [*] for year two (2) and [*] thereafter. For attained ages 70 and older the premium over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract Values times [*] for year one (1); [*] for year two (2) and [*] thereafter. NORTH AMERICAN SECURITY LIFE CIGNA REINSURANCE VEN3 DECEMBER 20, 1995 7. 50% of the Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current calendar quarter, at the time of settlement for the prior calendar quarter. 3. For attained ages less than 65NORTH AMERICAN SECURITY LEFE CIGNA REINSURANCE VEN3 DECEMBER 20, the premium over each calendar year will be at least equivalent to the Age Adjusted Aggregate Contract Values times 3.0 BASIS POINTS (.0003), subject to the funds set forth in Schedule B. 4. For attained ages less than 65, the maximum premium over each calendar year will be no more than the Age Adjusted Aggregate Contract Values times 10. BASIS POINTS (.0010), subject to the funds set forth in Schedule B. 5. For attained ages 65 and over, the annual premium rate is 16.4 BASIS POINTS (.00164) times the Age Adjusted Aggregate Contract Values, subject to the funds set forth in Schedule B.1995

Reinsurance Premiums. The calendar quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFENASL, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s owner's age at the end of each calendar quarter. If the contract is jointly ownedhas more than one owner, the reinsurance premiums shall be based on the age listed on the records of the younger annuitantNASL. NATIONAL INTEGRITY LIFE NASL shall determine the annuitant’s owner's age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule E, attached hereto. 2. The reinsurance premiums shall be calculated separately for funds identified as variable and guaranteed in Schedule B. 3. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFE’s NASL's variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current quarter, at the time of settlement for the prior quarter.A. 34. For funds identified as variable in Schedule B, and for attained ages less than 6570, the premium over each calendar year will be at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times 3.0 1.2 BASIS POINTS (.0003.00012) for year one (1), subject to the funds set forth in Schedule B. 4; and 1.6 BASIS POINTS (.00016) thereafter. For attained ages less than 65, 70 and older the maximum premium over each calendar year will be no more than at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times 10. 3.6 BASIS POINTS (.0010.00036) for year one (1), subject to the funds set forth in Schedule B.; and 4.8 BASIS POINTS (.00048) thereafter. 5. For funds identified as guaranteed in Schedule B, there will be no minimum premium regardless of attained age. 6. For all funds identified in Schedule B, and for ages 65 and overless than 70, the annual premium rate is 16.4 BASIS POINTS (.00164) times over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract Values, subject to Values times 6.0 BASIS POINTS (.0006) for year one (1); and 6.8 BASIS POINTS (.00068) thereafter. For attained ages 70 and older the funds set forth in Schedule B.premium over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract Values times 11.2 BASIS POINTS (.00112) for year one (1); and 13.6 BASIS POINTS (.00136) thereafter.

Reinsurance Premiums. The calendar quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFENASL, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s 's age last birthday at the end of each calendar quarter. If the contract is jointly ownedhas more than one annuitant, the reinsurance premiums shall be based on the age listed on the records of the younger annuitantNASL. NATIONAL INTEGRITY LIFE NASL shall determine the annuitant’s 's age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule schedule E, attached hereto. 2. The reinsurance premiums shall be calculated separately for funds identified as variable and guaranteed in Schedule B. 3. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFE’s NASL's variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current quarter, at the time of settlement for the prior quarter.A. 34. For funds identified as variable in Schedule B, and for attained ages less than 6570, the premium over each calendar year will be at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times 3.0 .8 BASIS POINTS (.0003.00008) for year one (1), subject to the funds set forth in Schedule B. 4; 1.2 BASIS POINTS (.00012) for year two (2); and 1.6 BASIS POINTS (.00016) thereafter. For attained ages less than 65, 70 and older the maximum premium over each calendar year will be no more than at least equivalent to 50% of the Age Adjusted Aggregate Contract Values times 10. 2.4 BASIS POINTS (.0010.00024) for year one (1), subject to the funds set forth in Schedule B.; 3.6 BASIS POINTS (.00036) for year two (2); and 4.4 BASIS POINTS (.00044) thereafter. 5. For funds identified as guaranteed in Schedule B, there will be no minimum premium regardless of attained age. 6. For all funds identified in Schedule B, and for attained ages 65 and overless than 70, the annual premium rate is 16.4 BASIS POINTS (.00164) times over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract Values, subject to Values times 3.6 BASIS POINTS (.00036) for year one (1); 4.8 BASIS POINTS (.00048) for year two (2) and 5.6 BASIS POINTS (.00056) thereafter. For attained ages 70 and older the funds set forth in Schedule B.premium over each calendar year will not exceed 50% of the Age Adjusted Aggregate Contract Values times 9.6 BASIS POINTS (.00096) for year one (1); 10.8 BASIS POINTS (.00108) for year two (2) and 12.0 BASIS POINTS (.00120) thereafter.

Reinsurance Premiums. The quarterly premiums for reinsurance subject to the terms and conditions of this Agreement shall be determined by application of the rates set forth in Schedule D to the amount of reinsurance coverage provided for each annuity insured by NATIONAL INTEGRITY LIFE, subject to the following: 1. The reinsurance premiums shall be based on the annuitant’s age at the end of each quarter. If the contract is jointly owned, the reinsurance premiums shall be based on the age of the younger annuitant. NATIONAL INTEGRITY LIFE shall determine the annuitant’s age at the time it prepares the quarterly exposure data submission for the variable annuity guaranteed death benefit, as set forth in Schedule E, attached hereto. 2. The Age Adjusted Aggregate Contract Value is the sum of the contract values in all of NATIONAL INTEGRITY LIFE’s variable annuities subject to this Agreement, minus contract values for certificate holders who are ATTAINED AGE 85 OR OLDER and minus contract values attributable to amounts in excess of the maximum purchase amounts listed in Schedule A. The Age Adjusted Aggregate Contract Values times one fourth (1/4) of the minimum premium rate will be remitted to Connecticut General in advance for the current quarter, at the time of settlement for the prior quarter. 3. For attained ages less than 65, the premium over each calendar year will be at least equivalent to the Age Adjusted Aggregate Contract Values times 3.0 BASIS POINTS (.0003), subject to the funds set forth in Schedule B. 4. For attained ages less than 65, the maximum premium over each calendar year will be no more than the Age Adjusted Aggregate Contract Values times 10. BASIS POINTS (.0010), subject to the funds set forth in Schedule B. 5. For attained ages 65 and over, the annual premium rate is 16.4 BASIS POINTS (.00164) times the Age Adjusted Aggregate Contract Values, subject to the funds set forth in Schedule B.