--------------------------------------------------------------------------------
==========================================================
GROUP XXX
ANNUITY CONTRACT
==========================================================
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o Purchase payments are payable in a single sum.
o Annuity payments begin on the settlement date.
o This contract is nonparticipating. Dividends are not payable.
Contract Holder: ABC Corporation, Trustee
Contract Number: 33113-GP1
Contract Date: July 1, 1997
IDS Life Insurance Company, herein called the Company, will pay the benefits
provided by this contract in accordance with and subject to all provisions of
this contract.
We issue this contract in consideration of the application of the
contractholder.
THE GROUP ANNUITY CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA WHICH MAY
RESULT IN BOTH UPWARD AND DOWNWARD ADJUSTMENTS IN CASH SURRENDER BENEFITS.
Surrenders are available without market value adjustment on the last day of each
certificate guarantee period.
Signed for and issued by IDS Life Insurance Company, Minneapolis, Minnesota, as
of the contract date shown above.
President:
[GRAPHIC OMITTED]
Xxxxxxx X. Xxxxx
Secretary:
[GRAPHIC OMITTED]
Xxxxxxx X. Xxxxxxxxxx
[GRAPHIC OMITTED]
AMERICAN
EXPRESS
Financial
Advisors
IDS Life Insurance Company
IDS Tower 10
Xxxxxxxxxxx, Xxxxxxxxx 00000
33113
CONTRACT DATA
GROUP CONTRACTHOLDER: ABC Corporation, Trustee
GROUP CONTRACT NUMBER: 33113-GP1
SURRENDER CHARGE: There are no surrender charges.
MARKET VALUE ADJUSTMENT: Applied at any time other than the last day of a
Guaranteed Period or for death benefits.
GUARANTEE PERIODS: 1-10 Years
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==============================================================
Guide to Contract Provisions
==============================================================
Definitions Important words and meanings/Pages 4-5
The Annuity Contract Entire contract; Modification; Incontestability;
Benefits based on incorrect data/Page 6
Contractholder and Contractholder; Owner's rights; Change
Owner of ownership; Assignment/Page 7
Beneficiary and Payments to Who is the beneficiary; Change of
Beneficiary beneficiary; Payments to beneficiary/
Page 8
Purchase Payment Payment of the purchase payment/Page 9
Accumulation Value, How the accumulation value is
Cash Surrender Value, determined; Surrender of the certificate
and Market Adjusted Value for the cash surrender value; How market adjusted
value is determined; Annual statement of
value/Pages 10-12
Annuity Payment Plans When annuity payments begin; Different ways to
receive annuity payments/Pages 13-14
Table of Settlement Rates Table showing monthly annuity payment amounts for
the various plans/Page 15
==============================================================
Definitions
==============================================================
The following words are used often in this contract. When we use these words,
this is what we mean:
the annuitant
The person on whose life monthly annuity payments depend.
you, your, owner
The owner of the certificate. The owner is the same as the annuitant. The owner
is shown in the application unless the owner has been changed as provided in
this contract.
we, our, us
IDS Life Insurance Company
certificate date
It is the date from which certificate anniversaries, certificate years, and
certificate months are determined. The certificate date is shown under
certificate data, in the certificate.
certificate anniversary
The same day and month as the certificate date each year that the certificate
remains in force.
initial guarantee period
The period during which the initial guarantee rate will be credited. It is shown
under certificate data, in the certificate.
initial guarantee rate
The rate of interest credited to the purchase payment as described in the
accumulation value section. It is shown under certificate data, in the
certificate.
renewal guarantee period
A renewal guarantee period will begin at the end of each guarantee period. It is
determined in accordance with the terms of the contract.
renewal guarantee rate
The rate of interest credited to the renewal value as described in the
accumulation value section.
renewal date
The first day of a renewal guarantee period. It will always be on a certificate
anniversary.
current rate
The applicable interest rate contained in a schedule of rates established by us
from time to time for various guarantee periods.
accumulation value
The value of the purchase payment plus interest credited, adjusted for any
surrenders.
market adjusted value
The accumulation value adjusted by the market adjusted value formula.
market value adjustment
The market adjusted value minus the accumulation value.
renewal value
The accumulation value at the end of the guarantee period.
cash surrender value
The market adjusted value is the cash surrender value. On the last day of a
guarantee period, the cash surrender value is the accumulation value.
written request
A request in writing signed by the owner and delivered to us at our corporate
office.
settlement
If the settlement date is not the last day of a guarantee period, settlement is
the application of the market adjusted value of a certificate to provide annuity
payments. On the last day of a guarantee period, settlement is the application
of the accumulation value of a certificate to provide annuity payments.
settlement date
The date on which annuity payments are to begin under a certificate. This date
may be changed as provided in the contract.
Code
The Internal Revenue Code of 1986, as amended, and all related laws and
regulations which are in effect during the term of this contract.
XXX
An Individual Retirement Annuity as described in Section 408(b) of the Code.
===================================================
The Annuity Contract
===================================================
What is the entire contract?
This Group Contract, including any endorsements or riders, and the master
application of the Group Contractholder is the entire contract between the
Contractholder and us.
No one except one of our corporate officers (President, Vice President,
Secretary, or Assistant Secretary) can change or waive any of our rights or
requirements under the contract. That person must do so in writing. None of our
agents or other persons has the authority to change or waive any of our rights
or requirements under the contract.
Can this contract be modified?
We reserve the right to modify the contract to the extent necessary to qualify a
certificate issued under this contract as an XXX as described in Section 408(b)
of the Code or in any other applicable section of the Code.
When will the certificate become incontestable?
The certificate is incontestable from its date of issue.
What if benefits are based on incorrect data?
If the amount of benefits under the certificate is determined by data as to a
person's age or sex that is incorrect, benefits will be recalculated on the
basis of the correct data. Any underpayments made by us will be made up
immediately. Any overpayments made by us will be subtracted from the future
payments under this contract and/or as otherwise legally permissible.
What federal and state laws govern the contract?
This contract is intended to qualify as an annuity contract for Federal income
tax purposes. To that end, the provisions of this contract are to be interpreted
to ensure or maintain such tax qualification, despite any other provisions to
the contrary. We reserve the right to amend this contract to reflect any
clarifications that may be needed or are appropriate to maintain such
qualification or to conform the contract to any applicable changes in the tax
qualification requirements. We will send you a copy of any such amendments.
The contract is governed by the law of the state in which it is delivered. The
values and benefits of the certificates are at least equal to those required by
such state.
===================================================
Contractholder and Owner
===================================================
Who is the Group Contractholder?
The group contractholder is listed on the cover page of this contract. The
contract provides for a successor contractholder. In the event the
contractholder should merge with another corporation, the new corporation would
be the group contractholder.
What are the rights of the owners of the certificates?
As long as the annuitant is living and unless otherwise provided in this
contract, the owner may exercise all rights and privileges in this contract or
allowed by us.
How can the ownership be changed on the certificate?
Your right to change ownership of the certificate is restricted. The certificate
may not be sold, assigned, transferred, discounted, or pledged as collateral for
a loan or as security for the performance of an obligation or for any other
purpose to any person other than as may be required or permitted under Section
408 of the Code or under any other applicable section of the Code. The owner's
interest in the certificate may be transferred to a former spouse, if any, under
a divorce decree or a written instrument incident to such divorce.
Any permitted transfers must be on a form approved by us. The change must be
made while the annuitant is living. Once the change is recorded by us, it will
take effect subject to any action taken or payment made by us before the
recording.
==========================================================
Beneficiary and Payments
to Beneficiary
==========================================================
What death benefits are paid if the annuitant or certificate owner dies before
settlement?
If the annuitant or owner dies before settlement while certificate is in force,
we will pay the beneficiary the accumulation value.
The above amount will be payable in a lump sum upon receipt of due proof of
death of the annuitant. The beneficiary may elect to receive payment anytime
within 5 years after the date of death of the annuitant.
Instead of a lump sum, payment may be made under an annuity payment plan
provided amounts are calculated in accordance with the Code and:
1. the beneficiary elects the plan within 60 days after we receive due proof
of death; and
2. payments begin no later than:
a. one year after the date of death, in the case of a non-spouse
beneficiary; or
b. the date on which the annuitant would have attained age 70 1/2, in the
case of a spouse beneficiary; and
3. the plan provides equal or substantially equal payments over a period which
does not exceed the life of the beneficiary or the life expectancy of the
beneficiary.
In this event, the references to "annuitant" in the annuity payment plans
section will apply to the beneficiary.
To whom are the death benefits payable?
Benefits will be paid equally to all primary beneficiaries surviving the
annuitant. If none survive, proceeds will be paid equally to all contingent
beneficiaries surviving the annuitant. If no beneficiary survives the annuitant,
we will pay the benefits to the owner, if living, otherwise to the owner's
estate.
Who is the beneficiary?
Beneficiaries are those you name, in a form satisfactory to us, to receive the
benefits of this contract if the owner or annuitant dies while this contract is
in force. The owner may change the beneficiary as provided below. If the
beneficiary has been changed, we will pay any benefits in accordance with the
owner's last change of beneficiary request.
How does the owner change the beneficiary?
The owner may change the beneficiary any time while the annuitant is living by
satisfactory written request to us. Once the change is recorded by us, it will
take effect as of the date of the owner's request, subject to any action taken
or payment made by us before the recording.
What is the spouse's option to continue the certificate?
If the owner's death occurs prior to the settlement date, the owner's spouse, if
designated as sole beneficiary, may elect in writing to forego receipt of the
death benefit and instead continue the certificate in force as its owner. The
election by the spouse must be made within 60 days after we receive due proof of
death.
What if the annuitant dies after settlement?
If the annuitant dies after settlement, the amount payable, if any, will be as
provided in the annuity payment plan then in effect.
==========================================================
Purchase Payment
==========================================================
What is the purchase payment for a certificate?
The purchase payment for a certificate is shown under certificate data on the
certificate. It is payable to us on or before we deliver the certificate. It
must be paid or mailed to us at our corporate office or to an authorized agent.
Except as otherwise provided in this paragraph, a purchase payment is that
amount which is a qualified transfer contribution from another individual
retirement account or individual retirement annuity, or a qualified rollover
contribution described in Sections 402(c), 403(a)(4), 403(b)(8) or 408(d)(3) of
the Code. If the certificate is maintained in connection with a Simplified
Employee Pension Plan or a SIMPLE Savings Plan, an employer's purchase payment
may not exceed the applicable contribution limits described in Section 408(k)
and 408(p) of the Code. In addition, if the certificate is maintained in
connection with a Simple Savings Plan, no purchase payment may be made to this
contract other than an employer contribution described in Sections
408(p)(2)(A)(i) and (ii) of the Code, or a rollover contribution described in
Section 408(d)(3)(G) of the Code.
All purchase payments must be made in cash.
==========================================================
Accumulation Value,
Cash Surrender Value,
Market Adjusted Value
==========================================================
How is the accumulation value determined?
On the certificate date the accumulation value of the certificate is the
purchase payment. Thereafter interest accrues from day to day for the guarantee
periods initially at the rate shown under certificate data in the certificate
and later at the renewal rate(s). These rates represent an effective annual
yield. At no time while the certificate is in force shall interest accrue at a
rate less than 3% compounded annually. The accumulation value will be adjusted
for any amounts surrendered.
Are there premium tax charges?
We reserve the right to deduct an amount from the accumulation value of the
certificate at the time that any applicable premium taxes not previously
deducted are payable.
If a tax is payable at the time of the purchase payment and we choose to not
deduct it at that time, we further reserve the right to deduct it at a later
date.
How are renewal guarantee periods determined?
At the end of any guarantee period a renewal guarantee period will begin. We
will notify the owner in writing 45 days before the renewal guarantee period.
Each renewal guarantee period will be one year unless the owner elects a
different length from those offered at the time. We must receive the owner's
written request at least 15 days before the renewal date. The renewal guarantee
period may never extend beyond the settlement date.
The accumulation value on the renewal date will be equal to the accumulation
value at the end of the guarantee period just ending. This value will earn
interest at the renewal guarantee rate. Upon written request within 45 days of
the renewal guarantee period, we will notify the owner of the renewal guarantee
rate then in effect for certificates renewing at that time. The actual renewal
guarantee rate will be determined on the renewal date.
What is the market adjusted value and how is it determined?
The market adjusted value is the accumulation value on any date before the end
of the current guarantee period adjusted by a formula. The formula adjustment
reflects the relationship between:
1. the interest rate we are then crediting for new certificate sales and
renewals (Form 33116) for the time remaining in the certificate's current
guarantee period; and
2. the guaranteed interest rate applicable to the certificate's current
guarantee period.
The market adjusted value may be more or less than the accumulation value.
The market adjusted value formula is as follows:
market adjusted value = renewal value
-----------------------
(N + t)
(1 + ic + .0025)
where: renewal value = the accumulation value at the end of the owner's
current guarantee period.
N = the number of complete certificate years to
the end of the owner's guarantee period.
t = the fraction of the certificate year remaining
to the end of the owner's certificate year (for
example, if 180 days remain in a 365 day
certificate year, t would be .493)
ic = the current rate offered for new certificate
sales and renewals (Form 33116) for the number
of years left in the owner's guarantee period
(straight line interpolation between whole year
rates). If N is zero, ic is the rate for one
year guarantee periods.
The market value adjustment is as follows:
market value adjustment =
market adjusted value - accumulation value
There will be no market value adjustment made on the last day of a guarantee
period.
Can the owner request surrender of any amounts under the certificate before
settlement?
Yes. By written request to us and subject to the rules below the owner may:
1. surrender the certificate for the total cash surrender value;
2. partially surrender the certificate for a part of the cash surrender value.
How is the cash surrender value determined?
The cash surrender value is the market adjusted value. On the last day of a
guarantee period, the cash surrender value is the accumulation value.
What are the rules for a surrender or partial surrender?
The amount surrendered and any applicable market value adjustment will be
deducted from the accumulation value of the certificate on the date of
surrender. The owner may surrender all or a portion of the cash surrender value.
However, the accumulation value that remains after a partial surrender must be
at least $2,000. Any partial surrender must be at least $250.
The surrender payment will normally be mailed to the owner within seven days of
the receipt of the owner's written request.
Upon surrender of the certificate for the total cash surrender value, the
certificate will terminate. We may require that the owner return the certificate
to our corporate office before we pay the total cash surrender value.
Can we delay or suspend payment of a partial or full surrender?
We may defer payment of any partial or full surrender for a period not to exceed
6 months from the date we receive the owner's surrender request or the period
permitted by state insurance law, if less. If we defer payment more than 30
days, we will pay annual interest of at least 3% on the amount deferred.
Will the owner receive information about the certificate values?
Yes. At least once a year we will send the owner a statement showing both the
accumulation value and the cash surrender value of the certificate. The
statement will specify the market value adjustment used to determine the cash
surrender value. This statement will be based on any laws or regulations that
apply.
We will also notify the owner 45 days before the end of a guarantee period
concerning renewal periods available and the owner's right to surrender without
a market value adjustment on the last day of the guarantee period.
=========================================================
Annuity Payment Plans
=========================================================
When will annuity payments begin?
The first payment will be made as of the settlement date. Before payments begin
we will require satisfactory proof that the annuitant is alive. We may also
require that the owner exchange the certificate for a supplemental contract
which provides the annuity payments.
Can the owner change the settlement date?
Yes. The owner must tell us the new date by written request. However, it must be
at least 30 days after we receive your written request at our corporate office.
The settlement date cannot be later than the later of:
1. the April 1 following the calendar year in which the annuitant attains age
70 1/2; or
2. such other date, provided the Code allows the annuitant to satisfy the
minimum distribution requirements of Section 408(b)(3) of the Code with
respect to the certificate through a means other than settlement of this
contract, including the ability to satisfy such distribution requirements
from other individual retirement accounts and/or individual retirement
annuities that you may own.
Notwithstanding either of the above, the settlement date cannot be later than
the later of:
1. the certificate anniversary nearest the annuitant's 85th birthday; or
2. the 10th certificate anniversary.
What are the annuity payment plans?
There are different ways to receive annuity payments. We call these plans.
Plan A - This provides monthly annuity payments for the lifetime of the
annuitant. No payments will be made after the annuitant dies.
Plan B - This provides monthly annuity payments for the lifetime of the
annuitant with a guarantee by us that payments will be made for a period of at
least five, ten or fifteen years. The owner must select the guaranteed period.
Plan C - This provides monthly annuity payments for the lifetime of the
annuitant with a guarantee by us that payments will be made for a certain number
of months. We determine the number of months by dividing the market adjusted
value applied under this plan by the amount of the monthly annuity payment.
Plan D - We call this a joint and survivor life annuity. Monthly payments will
be paid for the lifetime of the annuitant and a designated beneficiary. When
either the annuitant or designated beneficiary dies we will continue to make
monthly payments for the lifetime of the survivor. No payments will be paid
after the death of both the annuitant and designated beneficiary.
Plan E - This provides monthly fixed dollar annuity payments for a period of
years. The period of years may be no less than 10 nor more than 30.
What are the requirements for selecting a plan?
By written request to us at least 30 days before the settlement date, the owner
may elect to have the accumulation value applied on the settlement date to
provide:
1. a lump-sum payment as a result of a total surrender as provided under the
cash surrender value provision of the certificate; or
2. one of the annuity payment plans shown herein. Amounts payable under any
such annuity payment plan will be calculated
in accordance with the Code. Any such annuity payment plan must be provided:
a. in equal or substantially equal payments over a period no longer than
the life of the annuitant or over the joint lives of the annuitant and
the designated beneficiary; or
b. in equal or substantially equal payments over a period which does not
exceed the life expectancy of the annuitant, or the joint life
expectancies of the annuitant and the designated beneficiary.
c. in the case of a non-spouse beneficiary, payments must be such that at
least 50% of the present value of the certificate is expected to be
distributed within the life expectancy of the annuitant.
If, at least 30 days before the settlement date, we have not received at our
corporate office the annuitant's written request to select a plan, we will make
payments according to Plan B with payments guaranteed for 10 years, unless
otherwise required by the Code.
If the amount to be applied to a plan is not at least $2,000, or if payments are
to be made to other than a natural person, we have the right to make a lump-sum
payment of the cash surrender value.
How will payments be made?
Payments will be made by us by check. The check must be personally endorsed by
the payee or payees as well as the annuitant (or designated beneficiary under
Plan D). If the annuitant or designated beneficiary does not endorse the check,
other evidence must be furnished to show that the annuitant or designated
beneficiary is still alive.
==========================================================
Table of Settlement Rates
==========================================================
What will be the amount of the monthly annuity payments?
If the settlement date is the last day of a guarantee period, the amount applied
to provide a payment will be the accumulation value on that date. The market
adjusted value is applied if the settlement date is not the last day of a
guarantee period. The amount applied to provide a payment will be the
accumulation value on the settlement date. The amount of each monthly annuity
payment for each $1,000 applied under any payment plan will be based on our
Table of Settlement Rates in effect at the time of the first payment. The
amounts will not be less than those shown in the table below.
The amount of such payments under plans A, B, and C will depend on the sex and
the adjusted age of the annuitant on the settlement date. The amount of such
payments under plan D will depend on the sex and the adjusted age of the
annuitant and the designated beneficiary on the settlement date.
Adjusted age means the age on the annuitant's nearest birthday minus an
"adjustment" based on the calendar year of the birth of the annuitant as
follows:
Calendar Calendar
Year of Year of
Annuitant's Adjust- Annuitant's Adjust-
Birth ment Birth ment
----- ---- ----- ----
Prior to 1920 0 1945 through 1949 6
1920 through 1924 1 1950 through 1959 7
1925 through 1929 2 1960 through 1969 8
1930 through 1934 3 1970 through 1979 9
1935 through 1939 4 1980 through 1989 10
1940 through 1944 5 After 1989 11
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Amount of Each Monthly Annuity Payment Per $1,000 Applied
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Plan A Plan B Plan C Plan D - Joint and Survivor
Adjusted Age of Female Designated Beneficiary
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Life 5 Years 10 Years 15 Years With Adj.
Adj. Income Certain Certain Certain Refund Male 10 Years 5 Years Same 5 Years 10 Years
Age* M F M F M F M F M F Age* Younger Younger Age Older Older
--------------------------------------------------------------------------------------------------------------------------
55 4.70 4.25 4.68 4.25 4.62 4.22 4.53 4.18 4.42 4.10 55 3.51 3.69 3.88 4.06 4.23
60 5.28 4.72 5.25 4.70 5.14 4.66 4.96 4.57 4.86 4.48 60 3.76 3.99 4.24 4.49 4.72
65 6.10 5.35 6.03 5.32 5.81 5.22 5.46 5.05 5.43 4.97 65 4.07 4.38 4.72 5.07 5.39
66 6.29 5.51 6.21 5.47 5.96 5.36 5.56 5.16 5.56 5.08 66 4.15 4.48 4.84 5.21 5.55
67 6.50 5.67 6.41 5.63 6.11 5.50 5.66 5.26 5.70 5.20 67 4.23 4.58 4.97 5.36 5.73
68 6.73 5.85 6.62 5.80 6.28 5.65 5.76 5.37 5.85 5.33 68 4.31 4.69 5.10 5.53 5.92
69 6.97 6.04 6.84 5.98 6.44 5.80 5.86 5.49 6.00 5.47 69 4.40 4.80 5.25 5.70 6.12
70 7.23 6.25 7.07 6.18 6.61 5.96 5.96 5.60 6.16 5.61 70 4.50 4.93 5.40 5.89 6.34
71 7.51 6.47 7.32 6.39 6.78 6.14 6.05 5.71 6.33 5.76 71 4.60 5.06 5.57 6.10 6.57
72 7.80 6.71 7.58 6.62 6.96 6.31 6.14 5.83 6.51 5.93 72 4.71 5.20 5.75 6.31 6.82
73 8.12 6.97 7.85 6.86 7.14 6.50 6.23 5.94 6.70 6.10 73 4.83 5.35 5.94 6.55 7.09
74 8.45 7.26 8.14 7.12 7.32 6.69 6.31 6.04 6.90 6.28 74 4.95 5.51 6.15 6.80 7.37
75 8.82 7.56 8.44 7.39 7.49 6.89 6.38 6.14 7.11 6.48 75 5.08 5.68 6.37 7.07 7.68
76 9.21 7.90 8.76 7.69 7.67 7.09 6.48 6.24 7.33 6.68 76 5.22 5.87 6.61 7.36 8.01
77 9.62 8.26 9.09 8.01 7.84 7.29 6.51 6.33 7.56 6.90 77 5.37 6.07 6.87 7.67 8.36
78 10.07 8.65 9.44 8.34 8.01 7.49 6.57 6.41 7.80 7.13 78 5.54 6.29 7.15 8.01 8.74
79 10.55 9.07 9.80 8.69 8.17 7.69 6.62 6.48 8.05 7.38 79 5.71 6.52 7.45 8.37 9.14
80 11.06 9.53 10.17 9.07 8.33 7.89 6.66 6.55 8.32 7.64 80 5.90 6.78 7.77 8.76 9.57
81 11.61 10.03 10.55 9.46 8.48 8.08 6.70 6.61 8.60 7.91 81 6.10 7.05 8.12 9.17 10.02
82 12.19 10.57 10.94 9.87 8.61 8.26 6.73 6.66 8.89 8.21 82 6.32 7.34 8.49 9.61 10.51
83 12.81 11.16 11.33 10.30 8.74 8.43 6.76 6.70 9.20 8.51 83 6.55 7.65 8.90 10.08 11.02
84 13.46 11.79 11.72 10.74 8.86 8.59 6.79 6.74 9.52 8.83 84 6.80 7.99 9.33 10.58 11.56
85 14.16 12.48 12.12 11.19 8.97 8.74 6.81 6.77 9.85 9.18 85 7.07 8.36 9.78 11.11 12.13
90 18.25 16.68 14.04 13.42 9.36 9.26 6.86 6.85 11.81 11.11 90 8.79 10.65 12.57 14.22 15.63
-------------------------------------------------------------------------------------------------------------------------
*Adjusted age of annuitant. M = Male F = Female
--------------------------------------------------------------------------------
The table above is based on the "1983 Individual Annuitant Mortality Table A"
assuming an interest rate of 3% per year compounded annually. Settlement rates
for any age, or any combination of age and sex not shown above, will be
calculated on the same basis as those rates shown in the table above. Such rates
will be furnished by us upon request. Amounts shown in the Table below are based
on an assumed interest rate of 3% per year compounded annually.
--------------------------------------------------------------------------------
Plan E Dollar Amount of Each Monthly Fixed Dollar Annuity Payment Per $1,000
Applied
--------------------------------------------------------------------------------
Years Monthly Years Monthly Years Monthly
Payable Payment Payable Payment Payable Payment
------- ------- ------- ------- ------- -------
10 $9.61 17 $6.23 24 $4.84
11 8.86 18 5.96 25 4.71
12 8.24 19 5.73 26 4.59
13 7.71 20 5.51 27 4.47
14 7.26 21 5.32 28 4.37
15 6.87 22 5.15 29 4.27
16 6.53 23 4.99 30 4.18
--------------------------------------------------------------------------------
=============================================================
Group XXX
Annuity Contract
=============================================================
o Purchase payment is payable in a single sum.
o Annuity payments to begin on the settlement date.
o The certificate is nonparticipating. Dividends are not payable.
[GRAPHIC OMITTED]
AMERICAN
EXPRESS
Financial
Advisors
IDS Life Insurance Company
IDS Tower 10
Xxxxxxxxxxx, Xxxxxxxxx 00000
