Common use of WITHDRAWAL PROGRAM Clause in Contracts

WITHDRAWAL PROGRAM. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- ---------------- ------------------- Guaranteed Withdrawal Benefit All Products 50.00 Lifetime GWB - Single Life All Products 50.00 Version Lifetime GWB - Joint Life All Products 70.00 Version

WITHDRAWAL PROGRAM. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- ------------------------- ---------------- ------------------- Guaranteed Withdrawal Benefit All Products 50.00 Benefit Lifetime GWB - Single Life All Products 50.00 Life Version Lifetime GWB - Joint Life All Products 70.00 Version

WITHDRAWAL PROGRAM. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- ---------------- ----------------------------- ------------------- Guaranteed Withdrawal Benefit All Products sold before 50.00 July 16,2007 Guaranteed Withdrawal Benefit All Products sold on or after 55.00 July 16, 2007 Lifetime GWB - Single Life All Products 50.00 Version Lifetime GWB - Joint Life All Products 70.00 Version

WITHDRAWAL PROGRAM. REINSURANCE PREMIUM (BASIS WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ----------------------------- ------------------- ---------------- ------------------- ---------------- Guaranteed Withdrawal Benefit All Products sold before July 50.00 16, 2007 Guaranteed Withdrawal Benefit All Products sold on or after July 55.00 16, 2007 Lifetime GWB - Single Life Version All Products 50.00 Lifetime GWB - Single Joint Life Version All Products 50.00 Version Lifetime GWB - Joint Life All Products 70.00 Version70.00