CONTRACT NUMBER
GENERAL
AMERICAN
ANNUITANT
A MUTUAL LIFE
INSURANCE COMPANY
00000 XXXXXX XXXXX XX.
ST. LOUIS, MISSOURI 63128
INDIVIDUAL VARIABLE ANNUITY
Non-Tax Qualified and Non-Corporate Qualified
Participating
This is a legal ANNUITY CONTRACT between the Contract Owner and General
American. PLEASE READ THIS CONTRACT CAREFULLY.
RIGHT TO EXAMINE
You may return this Contract within 10 days after receiving it. It may be
delivered or mailed to us or the agent through whom it was purchased. The
Contract will then be deemed void from the start. We will return the Accumulated
Value in the Separate Accounts and any purchase payment allocated to the Fixed
Account of the Contract.
In consideration of the Contract Owner's application and the purchase payments
to be made as provided herein, we agree to pay benefits, to the extent required
by this Contract, to those individuals entitled to such benefits.
All installments and values provided by this Contract, when based on the
investment experience of one or more Divisions of Separate Accounts Twenty-Eight
and Twenty-Nine, are variable and are not guaranteed as to fixed dollar amounts.
Signed for the company at its Home Office, P.O. Box 14490, St. Louis, Missouri
63178. (0-000-000-0000)
V.P., GENERAL COUNSEL CHAIRMAN, PRESIDENT
AND SECRETARY AND CEO
10079
ALPHABETIC GUIDE TO YOUR CONTRACT
Page Page
4.05 Addition, Deletion, or Substitution 6.01 Persons with an Interest
of Investments in the Contract
4.01 Accumulation Provision 3.02 Purchase Payments
7.01 Annuity Option Table 6.02 The Contract
5.01 Annuity Provisions 4.04 Transfers
4.06 Charges and Deductions 4.03 Valuation Provisions
4.01 Contract Continuation - Fixed Account
5.03 Death Benefit 4.02 Valuation Provisions
3.01 Definitions - Separate Account
Supplemental Agreements, Modifications and Amendments, if any, and a
copy of the application are found following the final section.
NOTICE OF ANNUAL MEETING
Our annual meeting for the election of directors and the transaction of other
business is held each year at our Home Office in St. Louis, Missouri. The
meeting is at 9:00 a.m. on the fourth Tuesday in January. We are a mutual
company owned by our policy and Contract owners. Each policy and Contract
owner is entitled to vote at such elections and to participate in such
meetings.
10079
(5/92)
CONTRACT SPECIFICATIONS
CONTRACT NUMBER:
CONTRACT OWNER:
ANNUlTANT:
ISSUE AGE:
SEX:
DATE OF ISSUE:
AMOUNT OF lNITIAL PURCHASE PAYMENT:
Please see the attached application for the allocation of your initial purchase
payment.
BENEFICIARY DESIGNATION:
FORM
NUMBERS
11126 1.01
DESCRIPTION OF THE DIVISIONS OF
SEPARATE ACCOUNTS TWENTY-EIGHT AND TWENTY-NINE
G.T. Global Variable Investment Funds refer to either G.T. Global Variable
Investment Series or G.T. Global Variable Investment Trust or the two together.
Both of these Massachusetts business trusts offers a number of investment
portfolios in which amounts can be invested.
Separate Accounts Twenty-Eight and Twenty-Nine have a number of Divisions. Each
Division invests solely in its corresponding G.T. Global Variable Investment
Fund and takes the name of such G.T. Global Variable Investment Fund. The names
of the Divisions are as follows:
G.T. Global: Variable New Pacific Division
G.T. Global: Variable Europe Division
G.T. Global: Variable Latin America Division
G.T. Global: Variable America Division
G.T. Global: Variable International Division
G.T. Global: Variable Infrastructure Division
G.T. Global: Variable Natural Resources Division
G.T. Global: Variable Telecommunications Division
G.T. Global: Variable Emerging Markets Division
G.T. Global: Variable Growth & Income Division
G.T. Global: Variable Global Government Income Division
G.T. Global: Variable Strategic Income Division
G.T. Global: Variable U.S. Government Income Division
G.T. Global: Money Market Division
Information about the Separate Accounts is provided in the prospectus for
General American Separate Accounts Twenty-Eight and Twenty-Nine, and information
about the G.T. Global Variable Investment Funds is provided in the prospectus of
the G.T. Global Variable Investment Funds. Among other things, these
prospectuses contain information about the charges, expenses and the risks
associated with the Separate Accounts and the G .T. Global Variable Investment
Funds. You should read these prospectuses carefully before making any purchase
payments.
THERE lS NO ASSURANCE THAT ANY OF THE FUNDS WlLL ATTAIN THElR RESPECTlVE STATED
OBJECTlVE, OR lF THEY ATTAlN THEM THAT THEY WlLL BE ABLE TO DO SO OVER A
SUSTAlNED PERlOD OF TlME.
11127
1 - DEFINITIONS IN THIS CONTRACT
We, Us and Our General American Life Insurance Company.
You and Your The owner of this Contract. The owner is as shown in the
application unless later changed as provided in this
Contract. The owner may be someone other than the
Annuitant.
Accumulated The value under your Contract prior to the Annuity Date of
Value all net purchase payments, plus all interest credits or all
gains and losses, less any charges or amounts withdrawn.
Accumulation An accounting unit of measure that we use to determine the
Unit value in a Division prior to the Annuity Date.
Age The Annuitant's Age at his or her nearest birthday.
Annuitant The individual upon whose life Annuity Payments are
based and who may receive payments from the Contract
under an annuity option.
Annuity The date on which Annuity Payments begin.
Date
Annuity One of a series of payments made under an annuity option.
Payment
Annuity Service The service office of General American Life Insurance
Office Company, P.O. Box 66821, St. Louis, Missouri 63166-6821.
Annuity Unit An accounting unit of measure that we use to calculate
variable Annuity Payments.
Beneficiary The person named in the application or by later
designation who may receive the Proceeds in the event of
the Annuitant's or contract owner's death.
Business Day A day on which both we and the New York Stock Exchange
are open for business.
Contract This Contract, its riders, endorsements and amendments
if any, and the application, a copy of which is attached
to and made a part of the Contract, are the entire
Contract.
Contract The same day and month as the Date of Issue for each
Anniversary succeeding year that this Contract remains in force.
Contract A continuous 12 month period beginning on the Date of Issue
Year and each Contract Anniversary thereafter.
Date of Issue The effective date of the coverage under this Contract.
It is also the date from which Contract Anniversaries
are measured.
Division A Division of Separate Accounts Twenty-Eight or
Twenty-Nine. Each Division invests solely in its
corresponding G.T. Global Variable Investment Fund and
takes the name of such G.T. Global Variable Investment
Fund.
Expiration The Expiration Date of a Guarantee Period of the Fixed
Date Account. This date will be the day before the date that a
purchase payment or transfer occurred, plus the number of
calendar years in the Guarantee Period.
Fixed Account An account that consists of all of our assets other than
those in the Separate Accounts or any other of our
segregated investment accounts.
G.T. Global Mutual fund portfolios that are the underlying investment
Variable vehicles for the Divisions of the Separate Accounts.
Investment Funds
10376 3.01
(5/92)
Guarantee Period A period of time during which a specified rate of
return is credited by us.
Proceeds The amount we are obligated to pay under the terms of this
Contract.
Right to The period during which the Contract can be cancelled
Examine Period and treated as void from the Date of Issue.
Separate Separate Accounts Twenty-Eight and Twenty-Nine are each
Accounts segregated investment accounts created by us. The
Separate Accounts are each registered with the
Securities and Exchange Commission under the
Investment Company Act of 1940 as unit investment
trusts and meet the definition of "separate account"
under the Federal securities laws.
Valuation A period beginning at the close of business each
Period Business Day and ending at the close of business of the
following Business Day.
Written Request A notice or request in writing, signed by you and
received by our Annuity Service Office. The request must
be in a format and have content acceptable to us.
2. PURCHASE PAYMENTS
Purchase Each purchase payment you make is payable at our Annuity
Service Office. The Payments amount and frequency of
purchase payments may vary. Each purchase payment after
the first must be at least $100.
ln any Contract Year after the first, we reserve the
right not to accept purchase payments in excess of
double the amount paid in the initial Contract Year. In
the first Contract Year, purchase payments may be
limited to the greater of double the total initial
purchase payment or $25,000. In the event we exercise
these rights, we will notify you in writing, at your
last known address to us, 60 days in advance.
Prior approval is required before we will accept a
purchase payment from you that would cause the
Accumulated Value of your Contract to exceed $1,000,000.
lf the Accumulated Value of your Contract exceeds
$1,000,000, no additional purchase payments will be
accepted without prior approval from us.
10376 3.02
(5/92)
3. ACCUMULATION PROVISIONS
Net Purchase We may deduct from any purchase payment applicable premium
Payment or other taxes or we may defer deduction of the taxes
until the Annuity Date, if permitted by state law. The
remaining balance is the net purchase payment.
Allocation of The net purchase payments will be allocated among the
Net Purchase Divisions of the Separate Accounts and the Guarantee
Payments Periods of the Fixed Account in the proportion shown in
the application or as you may choose at a later date.
You may elect an allocation to a Division or Guarantee
Period in whole percents between zero percent and 100
percent totaling 100%. The minimum initial allocation to
any Division or Guarantee Period must be at least $500.
Such allocations may be changed at any time by Written
Request submitted to us at our Annuity Service Office.
Any allocation change will take effect with the first
purchase payment received with or after our receipt of a
Written Request for change and will continue in effect
until subsequently changed. lf any portion of purchase
payments are received for allocation to a Guarantee
Period or Division no longer offered by us, we will
contact you to secure new allocations. If we are unable
to contact you within 5 days of our receipt of your
purchase payment we will return that portion to you.
Accumulation Units We will establish an account in your name for each
Division to which you allocate net Units in the purchase
payments or transfer amounts. Net purchase payments and
transfer amounts Divisions are allocated to Divisions
and credited to your accounts in the form of
Accumulation. The number of Accumulation Units that we
will credit to each account is determined by dividing
the portion of the net purchase payment or transfer
amount for that account by the Accumulation Unit value
for that Division at the end of the Valuation Period
during which the net purchase payment or transfer
request is received by us at our Annuity Service Office.
The number of Accumulation Units credited in connection
with the first net purchase payment is determined as of
the end of the Valuation Period during which the Date of
Issue fails. The number of Accumulation Units determined
will not be affected by any subsequent changes in the
values of the Accumulation Units. The Accumulation Unit
value of the Divisions may increase or decrease from day
to day based on investment results.
The number of Accumulation Units in any account will be
increased at the end of a Valuation Period by any net
purchase payments allocated to the corresponding
Division during that Valuation Period and by any
Accumulated Value transferred to that Division from
another Division or from a Guarantee Period during that
Valuation Period. The number of Accumulation Units in
any account will be decreased at the end of a Valuation
Period by any transfers of Accumulated Value out of the
corresponding Division, by any partial withdrawals or
surrenders from that Division, and by any administrative
or surrender charges deducted from that Division during
that Valuation Period.
Guarantee Net purchase payments and transfers allocated to Guarantee
Period Periods will accumulate interest credited as described in
Accumulations Section 6.
4. CONTRACT CONTINUATION
Automatic This Contract does not require continuing purchase payments
Nonforfeiture and will continue as a paid-up Contract until the earlier
Option of the Annuity Date, surrender of the Contract, your
death, or death of the Annuitant as long as your
Accumulated Value is sufficient to pay fees and charges.
Purchase payments may be resumed at any time prior to
the Annuity Date, surrender, your death, or death of the
Annuitant.
10474 4.01
(5/92)
Contract Notwithstanding the above, we may cancel this Contract,
Continuation upon 60 days notice, at the end of any two consecutive
Contract Years in which no purchase payments have been
made, if both (1) the total purchase payments made over
the life of the Contract, less any withdrawals, are less
than $2,000, and (2) the Accumulated Value at the end of
such two year period is less than $2,000. Upon
cancellation, we will pay you the Accumulated Value
computed as of the Valuation Period during which the
cancellation occurs, less the administration fee, if
applicable. Such cancellation could have adverse tax
consequences.
VALUATION PROVISIONS - SEPARATE ACCOUNTS
Separate Accounts Separate Accounts Twenty-Eight and Twenty-Nine are each
segregated investment accounts created by us under
Missouri Law to receive and hold purchase payments for
this Contract. We own the assets of each of the
Separate Accounts and such assets are held, for each
Separate Account, separately from the assets held in the
Fixed Account, other segregated asset accounts of
General American Life Insurance Company ("General
American"), and from each other.
The income, if any, gains and losses, realized or
unrealized, on each Separate Account and each Division
therein will be credited to or charged against the
amounts allocated to such Separate Account and Division
without regard to other income, gains or losses to
General American. That portion of the assets of each
Separate Account equal to the reserves and other
contract liabilities with respect to such Separate
Account will not be chargeable with liabilities arising
out of any other business that General American may
conduct. We have the right to transfer to our Fixed
Account assets in excess of the amount equal to reserves
and other liabilities of a Separate Account.
Net Investment Each Business Day we will calculate each Division's net
Factor investment factor. A Division's net investment factor
measures its investment performance during a Valuation
Period. The net investment factor for each Division for
any Valuation Period is determined by dividing (a) by
(b) and subtracting (c) from the result:
Where (a) is:
(1) the net asset value per share of a G.T. Global
Variable Investment Fund share held in the Division
determined at the end of the current Valuation
Period, plus
(2) the per share amount of any dividend or capital
gain distribution made by a G.T. Global Variable
Investment Fund on shares held in the Division if
the "ex-dividend" date occurs during the current
Valuation Period.
Where (b) is:
the net asset value per share of a G.T. Global Variable
Investment Fund share held in the Division determined as
of the end of the immediately preceding Valuation Period.
Where (c) is:
a factor representing the charges deducted from the
Division on a daily basis for administrative expenses
and mortality and expense risks. Such factor is equal on
an annual basis to 1.40% (0.15% for administrative
expenses and 1.25% for mortality and expense risks).
The net investment factor may be greater or less than or
equal to one. Therefore, the value of an Accumulation or
Annuity Unit may increase, decrease, or remain the same.
4.02
10474
(5/92)
Accumulation Unit The initial value of an Accumulation Unit in each
Value Division in the Separate Accounts was arbitrarily set at
$12 for the first Valuation Period. This value may
increase or decrease from day to day based on investment
results.
For each Division, the value of an Accumulation Unit is
determined at the end of every Valuation Period. The
value is determined by multiplying the Division's
Accumulation Unit value for the end of the immediately
preceding Valuation Period by the Division's net
investment factor for the most current Valuation Period.
Annuity Unit Value The initial value of an Annuity Unit in each Division of
the Separate Accounts was arbitrarily set at $12 for the
first Valuation Period. This value may increase or
decrease from day to day based on investment results.
For each Division, the value of an Annuity Unit is
determined at the end of every Valuation Period. The
value is determined by multiplying such Division's
Annuity Unit value for the end of the preceding
Valuation Period by the product of (a) .99989256 once
for each calendar day between the end of the sixth
preceding Valuation Period and the end of the fifth
preceding Valuation Period and (b) the Division's net
investment factor for the fifth Valuation Period
preceding such Valuation Period.
6. VALUATION PROVISIONS - FIXED ACCOUNT
Guarantee Periods We will establish an account for you in the Fixed
Account for each Guarantee Period to which you allocate
net purchase payments or transfers. You may elect one or
more Guarantee Period(s) from among those we make
available. Each Guarantee Period will have a duration of
at least one year. The period(s) elected will determine
the guaranteed interest rate(s). A net purchase payment,
or the portion thereof, or the amount transferred in
accordance with the Transfers provision, allocated to a
particular Guarantee Period, less any amounts or charges
subsequently withdrawn, will earn interest at the
guaranteed interest rate during the Guarantee Period.
Initial Guarantee Periods begin on the date of the
allocation or transfer, and end on the Expiration Date.
Subsequent Guarantee Periods begin on the first day
following the Expiration Date.
Any portion of your Accumulated Value allocated or
transferred to a particular Guarantee Period with a
particular Expiration Date (including interest earned
thereon) will be referred to as a "guarantee period
amount". Interest will be credited daily at a rate
equivalent to the compound annual rate. We cannot
predict or guarantee the level of future guaranteed
interest rates, except that we guarantee that future
guaranteed interest rates will not be below 3% per year
compounded annually. As a result of additional net
purchase payments, renewals, and transfers of portions
of your Accumulated Value, which begin new Guarantee
Periods, guarantee period amounts allocated to Guarantee
Periods of the same duration may have different
Expiration Dates. Therefore, each guarantee period
amount will be treated separately for purposes of
determining any interest change adjustment.
We will notify you in writing, at your last known
address to us, at least 30 and no more than 75 days
prior to each Expiration Date of each guarantee period
amount. The guarantee period amount will renew for a new
Guarantee Period of the same duration as the previous
Guarantee Period, unless we receive, prior to the end of
the expiring Guarantee Period, a Written Request from
you for a different Guarantee Period from among those
being offered by us at such time, instructions to
transfer all or a portion of the guarantee period amount
to one or more Divisions in accordance with the Transfer
provision, or instructions to withdraw all or a portion
of the guarantee period amount. If the previous
Guarantee Period is no longer being offered by us, such
amount will be transferred to the G.T. Global: Money
Market Division, unless you give us other instructions.
Each new guarantee period amount must be at least $500.
10474 4.03
(5/92)
Interest Change Any full surrender or partial withdrawal of a guarantee
Adjustment period amount which is not effective within 30 days
prior to the Expiration Date of the guarantee period
amount, will be subject to an interest change adjustment
("ICA"). For this purpose, transfers, distributions on
your death, annuitization, and amounts applied to
purchase an annuity are all treated as cash withdrawals.
The lCA will be subtracted from the gross amount being
withdrawn after deductions of any applicable
administrative charges and before deduction of any
applicable surrender charge. (See Section 9.)
The lCA will reflect the relationship between the
current rate (defined as J below) for Guarantee Periods
of the same duration as the Period from which the
surrender or withdrawal is being made and the guaranteed
interest rate applicable to the amount being withdrawn.
It also reflects the time remaining in the applicable
Guarantee Period. The application of the lCA may result
in a lower payment than the guarantee period amount upon
surrender or withdrawal.
The interest change adjustment is determined by the
application of the following formula:
ICA = W x .9 x (J-I) x (N/12)
where,
W is the gross withdrawal as of the effective date of
the application of the interest change adjustment, prior
to the application of the interest change adjustment,
surrender charge, and administrative charges;
J is the guaranteed interest rate declared by us, as of
the effective date of the application of the interest
change adjustment, for current allocations to Guarantee
Periods equal to the Guarantee Period from which the
surrender or withdrawal is being made;
is the guaranteed interest rate currently being
credited to the guarantee amount subject to the interest
change adjustment; and
N is the number of complete calendar months remaining
in the Guarantee Period of the guarantee period amount
subject to the interest change adjustment.
In the determination of J, if we currently do not offer
the applicable Guarantee Period, then the rate will be
determined by using the next shorter Guarantee Period
that is currently offered by us.
Notwithstanding application of the above formula, (a) in
no event will the lCA be less than zero, and (b) the
gross surrender or withdrawal minus the interest change
adjustment will not be less than the net purchase
payments being withdrawn accumulated at 3% interest per
year compounded annually since the beginning of the
Guarantee Period.
7. TRANSFERS
Transfers Prior to the Annuity Date, you may transfer amounts
among the Divisions of the Separate Accounts and the
Guarantee Periods of the Fixed Account. These transfers
will be subject to the following conditions:
1. Transfers from a Guarantee Period of the Fixed
Account are not allowed during the first 12 months of
that Guarantee Period;
2. We must receive a request for transfer by Written
Request or by telephone provided we have a telephone
authorization in good order completed by you;
3. Transfers from a Division or Guarantee Period may be
made at any time and must be at least $500 (or the
entire amount in a Division or Guarantee Period, if less
than $500);
4. Any Accumulated Value remaining in a Division or
Guarantee Period must be at least $500 (or the request
may be treated as a request to transfer the entire
amount in that Division);
10474 4.04
(5/92)
5. There is no limit to the number of transfers that you
may request. However, we reserve the right to assess a
charge of up to $25 for each transfer in excess of
twelve (12) transfers made in any Contract Year.
In addition, transfers from the Fixed Account will be
subject to the interest change adjustment, unless the
transfer is effective within 30 days prior to the
Expiration Date applicable to the guarantee period
amount. Transfers involving the Divisions will be
subject to additional terms and conditions that may be
imposed by each Division's corresponding G.T. Global
Variable Investment Fund. You must instruct us as to
what amounts should be transferred from each Division
and Guarantee Period. Transfers made from a Guarantee
Period will be made on a first-in-first-out basis when
more than one Guarantee Period allocation of equal
duration exists.
A transfer will be effective on the date the Written
Request for transfer is received at our Annuity Service
Office. We may revoke or modify the transfer privilege
at any time, including the minimum amount for a transfer
and the transfer charge, if any.
8. ADDITION, DELETION, OR SUBSTITUTION OF INVESTMENTS
Separate Accounts We reserve the right, subject to compliance with
applicable law, to make additions to, deletions from, or
substitutions of the shares of a G.T. Global Variable
Investment Fund that are held or purchased by the
Separate Accounts for the Divisions. We reserve the
right to eliminate the shares of any of the G.T. Global
Variable Investment Funds and to substitute shies of
another G.T. Global Variable Investment Fund or of
another registered open-end investment company, if the
shares or G.T. Global Variable Investment Funds are no
longer available for investment or if in our judgment,
further investment in any G.T. Global Variable
Investment Fund should become inappropriate in view of
the purpose of the Contract. We will not substitute any
shares attributable to your interest in a Division of
the Separate Accounts without at least 30 days notice to
the owner and prior approval of the Securities and
Exchange Commission, to the extent required by the
Investment Company Act of 1940 or other applicable law.
This will not prevent the Separate Accounts from
purchasing other securities for other series or classes
of contracts, or from permitting conversion between
series or classes of contracts on the basis of requests
made by owners.
We also reserve the right to establish additional
Divisions of the Separate Accounts, each of which would
invest in a new G .T. Global Variable Investment Fund,
or in shares of another investment company, and to make
such Divisions available to whatever class or series of
contracts we choose. We also reserve the right to
eliminate or combine existing Divisions of the Separate
Accounts or to transfer assets between Divisions.
If we consider it to be in the best interest of persons
having voting privileges under the contracts, the
Separate Accounts may be operated as management
companies under the Investment Company Act of 1940. They
may be deregistered under that Act in the event
registration is no longer required. They may be combined
with other separate accounts; or their assets may be
transferred to other separate accounts.
Fixed Account We will periodically establish an applicable guaranteed
interest rate for each Guarantee Period offered by us.
Current guaranteed interest rates may be changed by us
depending on interest rates available to us and other
factors as described below. Once established, however,
rates applicable to a particular guarantee period amount
are guaranteed for the duration of the applicable
Guarantee Period. However, your Accumulated Value
withdrawn from the Fixed Account will be subject to any
applicable surrender charge and may be subject to a
interest change adjustment.
We have no specific formula for establishing the
guaranteed interest rates for the Guarantee Periods. The
determination may be influenced by, but not necessarily
correspond to, interest rates generally available on the
type of investments to be acquired with the guarantee
period amounts. In determining guaranteed interest
rates, we may also consider, among other factors, the
duration of a Guarantee Period, regulatory and tax
requirements, sales commissions and administrative
expenses borne by us, and general economic trends.
10474 4.05
(5/92)
OUR MANAGEMENT MAKES THE FINAL DETERMINATION OF THE
GUARANTEED INTEREST RATES TO BE DECLARED. WE CANNOT
PREDICT OR GUARANTEE THE LEVEL OF FUTURE GUARANTEED
INTEREST RATES, EXCEPT THAT WE GUARANTEE THAT FUTURE
GUARANTEED INTEREST RATES WILL NOT BE BELOW 3% PER YEAR
COMPOUNDED ANNUALLY.
9. CHARGES AND DEDUCTIONS
Administrative Each year On the last day of the Contract Year, we
Charges may deduct an annual account administration fee
("account fee") as partial compensation for expenses
relating to the issue and maintenance of this Contract
and your account. On Accumulated Values of $20,000 or
more, there will be no account fee. On Accumulated
Values less than $20,000, the account fee assessed will
be the lesser of $30 or 2% of your Accumulated Value for
Contract Years ending prior to December 31, 1999.
Thereafter, the account fee may be adjusted annually,
but in no event may it be adjusted by more than the
amount that reflects the change in the Consumer Price
Index since December 31, 1992, nor will it exceed $50.
The account fee will be deducted from the G.T. Global
Money Market Division; or from the Division with the
largest portion of Accumulated Value if no G.T. Global
Money Market Division investment exists on the Contract
Anniversary, or from the Fixed Account if no Separate
Account investment exists on the Contract Anniversary.
If your Accumulated Value has been allocated solely to
the Fixed Account during the entire previous Contract
Year, no account fee will be assessed. To the extent
that the account fee is deducted from a Division,
Accumulation Units will be cancelled to effect the
deduction. On full surrender, the entire account fee, if
applicable, will be assessed.
On occasion, the last day of a Contract Year will not
fall on a Business Day. lf the last day of a Contract
Year and the next Business Day fall in the same calendar
month, administrative charges will be taken on the next
Business Day. If the last day of a Contract Year and the
next Business Day do not fall in the same calendar
month, administrative charges will be taken on the
Business Day immediately preceding the last day of the
Contract Year.
After the Annuity Date, the annual account fee will be
deducted in equal amounts from each variable Annuity
Payment made during the year. No such deduction will be
made on fixed Annuity Payments.
We reserve the right to charge a fee to cover our
expenses for special handling. Please refer to the
Separate Account prospectus for current charges.
Surrender Charge Upon full surrender of the Contract or partial
withdrawal of Accumulated Value, we will apply a
surrender charge to the gross withdrawal amount,
excluding any applicable interest change adjustment or
administrative charges.
This surrender charge, expressed as a percentage of each
net purchase payment, will apply to net purchase
payments for six calendar years measured from the date
the net purchase payment is received. The surrender
charge schedule is as follows:
Years Since Receipt
of Purchase Payment Surrender Charge
------------------- ----------------
0 6%
1 5%
2 4%
3 3%
4 2%
5 1%
6+ 0%
You may withdraw an amount equal to ten percent (10%) of
your Accumulated Value each year without incurring a
surrender charge ("10% Free"). The annual 10% Free
amount will be equal to 10% of the Accumulated Value on
the date that the first partial withdrawal is made each
year. The 10% Free amounts withdrawn will not reduce the
net purchase payment still subject to a surrender
charge. The 10% Free amount does not apply upon full
surrender.
10474 4.06
(5/92)
After an amount equal to the 10% Free has been
withdrawn, additional amounts will be withdrawn from net
purchase payments on a FlFO basis and will be subject to
the surrender charges noted in the above table. Net
purchase payments which were received more than 6 years
prior to the date of withdrawal may be withdrawn without
incurring a surrender charge. After all net purchase
payments have been withdrawn, further withdrawals will
be made from earnings without incurring a surrender
charge. If the Accumulated Value is less than the net
purchase payments subject to a surrender charge, the
surrender charge will only be applied to the Accumulated
Value. The surrender charge is not applied in the event
of annuitization with us after three Contract Years, or
on death of the Annuitant if the Date of Issue is prior
to the Annuitant's 75th birthday.
10. CASH WITHDRAWALS
Cash Withdrawals At any time before the Annuity Date and during the
lifetime of the Annuitant, you may elect to receive a
cash withdrawal payment. The election must be in the
form of a Written Request and specify the amount of the
withdrawal. It will be effective on the date that a
Written Request for withdrawal is received at our
Annuity Service Office.
You may request a full surrender or a partial
withdrawal. A full surrender will result in a cash
withdrawal payment equal to the Accumulated Value of
your Contract at the end of the Valuation Period during
which the election becomes effective, less any
applicable administrative charges, interest change
adjustment, and surrender charge. A request for a
partial withdrawal will result in a reduction in your
Accumulated Value equal to the amount you receive plus
any applicable surrender charge, administrative charges
or interest change adjustment. The amount you receive
can be less than the amount requested if your
Accumulated Value is insufficient to cover applicable
charges and produce the requested amount. Any withdrawal
request cannot exceed the Accumulated Value of your
Contract. Any applicable interest change adjustment and
surrender charge will be calculated based upon the gross
amount of withdrawal.
There is no limit on the frequency of partial
withdrawals. However, the amount withdrawn must be at
least $500 or, if less, the entire balance in a Division
or Guarantee Period. If after the withdrawal (and
deduction of any interest change adjustment and
surrender charge) the amount remaining in the Division
or Guarantee Period would be less than $500, we will
treat the partial withdrawal as a withdrawal of the
entire amount held in the Division or Guarantee Period.
If a partial withdrawal plus any applicable interest
change adjustment and surrender charge would reduce the
Accumulated Value to less than $500, we will treat the
partial withdrawal as a full surrender of the Contract.
In the case of a partial withdrawal, you must instruct
us as to the amounts to be withdrawn from each Division
and Guarantee Period. If a partial withdrawal is to be
withdrawn from the Fixed Account, you must instruct us
from which Guarantee Period the withdrawals are to be
made. Withdrawals will be made on a first-in-first-out
basis when more than one Guarantee Period allocation of
equal duration exists. ALL CASH WITHDRAWALS FROM ANY
GUARANTEE PERIOD AMOUNT, EXCEPT THOSE EFFECTIVE WITHIN
30 DAYS PRIOR TO THE EXPIRATION DATE OF SUCH GUARANTEE
PERIOD AMOUNT, WILL BE SUBJECT TO THE INTEREST CHANGE
ADJUSTMENT.
Cash withdrawals from a Division will result in the
cancellation of Accumulation Units attributable to your
account with an aggregate value on the effective date of
the withdrawal equal to the total amount by which the
Accumulated Value in the Division is reduced. The
cancellation of such units will be based on the
Accumulation Unit values of the Division at the end of
the Valuation Period during which the cash withdrawal is
effective.
If at the time you make a request for a full surrender
or a partial withdrawal, you do not provide us with a
Written Request not to have Federal income taxes
withheld, we must by law withhold such taxes from the
taxable portion of any surrender or withdrawal.
10474 4.07
(5/92)
Requests for cash withdrawal payments to a party other
than you and/or to an address other than your address of
record require a signature guarantee. In addition, if
your address of record has been changed within the
preceding 30 days, a signature guarantee is required.
Any cash withdrawal payment will be paid within seven
days from our receipt of your Written Request, except as
we may be permitted to defer such payment in accordance
with the Investment Company Act of 1940 and applicable
state insurance law. We reserve the right to defer the
payment of amounts withdrawn from the Fixed Account for
a period not to exceed six months from the date your
Written Request for such withdrawal is received.
10474 4.08
(5/92)
11. ANNUITY PROVISIONS
Annuity Proceeds The annuity proceeds will equal the Accumulated Value,
less any applicable premium taxes, administrative
charges, interest change adjustment, and surrender
charge on the Annuity Date. Only if the Annuity Date of
the Contract occurs within the first three Contract
Years, will the surrender charge be deducted from the
annuity proceeds on the Annuity Date.
Annuity Date Annuity Payments will begin under the Contract on the
Annuity Date unless the Contract has been surrendered or
the Proceeds have been paid to the designated Beneficiary
prior to that date. The Annuity Date will be the later
of the first day of the first month following the
Annuitant's 85th birthday or upon completion of five
Contract Years, unless otherwise restricted, as In the
case of a non-corporate qualified contract or by
applicable law.
You may change the Annuity Date. An Annuity Date may be
changed only by Written Request during the Annuitant's
lifetime, and such a request must reach our Annuity
Service Office at least 30 days before (1) the then
current Annuity Date, and (2) the new Annuity Date.
The new Annuity Date must be no later than the Annuity
Date as defined in the paragraph above.
Election of While the Annuitant is alive, you may choose any annuity
Annuity Option option or change any choice, if your choice was not
irrevocable, but only before Annuity Payments begin. The
election must be made not later than thirty days prior to
the time Annuity Payments begin. If an annuity option is
not chosen prior to the Annuity Date, payments will begin
to the Annuitant on the Annuity Date under the annuity
option providing a Life Annuity with 120 Monthly Payments
Guaranteed. (Option 2 below)
At the time annuity proceeds are payable to a
Beneficiary, a Beneficiary may choose or change any
annuity option if Proceeds are available to the
Beneficiary in one sum.
A choice or change must be made by Written Request.
Annuity Options (See Annuity Option Tables at the end of this Contract.)
On the Annuity Date, the annuity proceeds may be placed
under any of the following options:
Option 1. Life Annuity. We will pay a monthly income
during a person's lifetime, which will cease
with the last payment preceding the death of
that person.
Option 2. Life Annuity with 60, 120, 180, or 240 Monthly
Payments Guaranteed. We will pay a monthly
income during a person's lifetime with the
guarantee that if, at death of the person,
payments have been made for less than 60
months, 120 months, 180 month, or 240 months,
as elected, payments will be continued to the
Beneficiary during the remainder of the
elected period.
Option 3. Joint and Survivor Income for Life. We will
make monthly payments jointly to two payees if
both are living when the payments become
payable. The Annuitant will be designated as
primary payee. Full payments will continue so
long as the primary payee is living. If the
primary payee dies after payments begin, full
payments or payments of 1/2 or 2/3, (whichever
you elected when applying for this option)
will continue to the other payee during his or
her lifetime.
Option 4. Income for a Fixed Period. We will pay the
annuity proceeds in payments over a period of
from 5 to 30 years. The amount of each payment
will be based upon the period and the
frequency of the payments selected from Option
4 Table.
10520 5.01
(5/92)
Allocation of When you elect one of the annuity options, you may
Annuity further elect to have the annuity purchased in the form
of the variable annuity, fixed annuity, or a combination
of both. If no election is made to the contrary on these
options, that portion of Accumulated Value in the
Divisions of the Separate Accounts will be applied to
provide a variable annuity and that portion in the Fixed
Account will be applied to provide a fixed annuity.
Variable For the variable portion of an annuity option, the amounts
Annuity applied to the annuity are used to purchase Annuity Units
Payments in the selected Division(s). The number of Annuity Units
purchased in each Division is calculated as the dollar
amount of the first Annuity Payment provided by Proceeds
from that Division divided by the Annuity Unit value for
the Division as of the Annuity Date. On any payment
date, the amount of payment from each Division is
calculated as the number of Annuity Units for the
Division times the Annuity Unit value for the Division'
as of the payment date, less any applicable
administrative charges. Although variable Annuity
Payments will vary to reflect performance of the
Divisions, we guarantee that the dollar amounts of
variable Annuity Payments will not be adversely affected
by our actual expense and mortality results.
Minimum Amounts The minimum amount for each payee that can be placed
under an option and the minimum amount of any payments
under an option will be based on our rules at the time
the option is to become effective (or as required by
state law).
Payee A person who receives Annuity Payments under an annuity
option is a payee. Except for a legal guardian, a payee
must generally be a natural person receiving benefits in
his or her own right. With our consent, the payee may be
a trustee, assignee, corporation, or partnership.
Contingent Payee The payee may name contingent payees, subject to any
restrictions under an annuity option chosen during the
Annuitant's lifetime, under the following conditions:
1. If you are the payee; or
2. If at any time after the Annuitant's death and
during the option period no previously named contingent
payee is living.
The named contingent payee will be disregarded if making
that person or entity the contingent payee would prevent
treatment of this Contract as an annuity for federal
income tax purposes. Designations made by the payee
under these provisions may be changed by the payee. Such
changes must be made by Written Request satisfactory to
us. Changes will only take effect when we accept them in
writing at our Annuity Service Office. At that time, the
contingent interest of any other person is terminated as
of the date the payee signed the request, whether or not
the payee is living when we receive the request.
Life Income Options Life Income Options are based on the Annuitant's sex and
age nearest birthday on the Annuity Date. We have the
right to require satisfactory proof of age and sex. If
age or sex has been incorrectly stated, the proper
adjustments in payments will be made. We may also require
proof that the payee is living on any payment due date.
Death of Payee If a payee dies, any installments still payable under an
annuity option specifying a certain period will be paid
as they become due to the surviving or next succeeding
payee. If no designated payee survives, the commuted
value of any unpaid installments will be paid in one sum
to the estate of-the last payee to die.
Rights Under No payee has the right to make any change in the provisions
Annuity Options of the agreement or to receive the benefits in any
manner other than that stated in the agreement, unless
such right was reserved in the agreement. We will not
make any payments in advance, nor commute payments under
any life income option.
10520 5.02
(5/92)
Calculation of Payments paid under an annuity option will be calculated
Payments using the effective annual rate of 4% compounded
annually. The mortality table used in determining
payments made under life income options is the 1983
Individual Annuitant Mortality Table a. In using this
mortality table, ages of annuitants will be reduced by
one year for annuity dates occurring during the 1990s,
reduced two years for annuity dates occurring during the
decade 2000-2009, and so on.
Basis of Commutation of payments under an annuity option will be
Commutation calculated using the effective annual rate of 4%
compounded annually.
Extended Provisions for settlement of benefits different from
Provisions those stated in this Contract may only be made upon
written agreement with us.
Company We will be fully discharged by any payment we make
Liability before a Written Request for an election, change, or
revocation was made and is received in our Annuity
Service Office.
12. DEATH BENEFIT
Death Benefit In every case of death, we must receive due proof of
death of the owner or Annuitant before we are obliged to
act.
(A) Death of a Contract Owner who is the Annuitant
If a contract owner dies prior to the Annuity Date
and if his or her surviving spouse is the
Beneficiary, the Contract will continue with his or
her surviving spouse as the new owner and the death
benefit, if more than the Accumulated Value, will be
paid to the surviving spouse by crediting the
Contract with an amount equal to the difference
between the death benefit and the Accumulated Value.
If the contract owner's surviving spouse is not the
Beneficiary, the death benefit will become payable
to the Beneficiary.
If a contract owner dies on or after the Annuity
Date, no death benefit will be payable under the
Contract except as may be provided under the annuity
option elected.
(B) Death of a Contract Owner who is not the Annuitant
If a contract owner dies prior to the Annuity Date
and if his or her surviving spouse is the Annuitant,
the Contract will continue with his or her surviving
spouse as the new owner. If the surviving spouse is
not the Annuitant, the Accumulated Value, less any
applicable administrative charges, interest change
adjustment, or surrender charge, will be distributed
to the Beneficiary.
If a contract owner dies on or after the Annuity
Date, no death benefit will be payable under the
Contract.
(C) Death of the Annuitant who is not a Contract Owner
If the Annuitant dies prior to the Annuity Date and
before a contract owner, the death benefit will
become payable to the Beneficiary. The Beneficiary
may elect to receive these benefits through one of
the annuity options available under the Contract or
in a single lump sum. If an election is not made by
Written Request within one year after the death of
the Annuitant, the death benefit will be paid in a
single lump sum.
If the Annuitant dies on or after the Annuity Date,
no death benefit will be payable under the Contract
except as may be provided under the annuity option
elected.
Except as otherwise provided above, payments made under
the death benefit provisions will be made in one lump
sum and must be made within five (5) years after the
date of the contract owner's death or death of the
Annuitant.
The death benefit will be paid or credited within seven
days of receipt at our Annuity Service Office, of due
proof of death and a Written Request for payment; except
as we may be permitted to defer such payment in accordance
with the Investment Company Act of 1940 and applicable
state insurance law.
10520 5.03
(5/92)
If, however, the contract owner or the Beneficiary make
a written choice of one of the two options described
below, and if the choice is clear to us, we will treat
the Proceeds as the contract owner or the Beneficiary
have chosen. The two options are:
1. Leave the Proceeds of the Contract with us. The value
of the Proceeds must be paid in a lump sum to the
Beneficiary before the end of the fifth year after
the contract owner's death.
2. Apply the Proceeds to create an immediate annuity
for the Beneficiary, who will be the owner and
Annuitant. Payments under the annuity, or under any
other method of payment we make available, must be
for the life of the Beneficiary, or for a number of
years that is not more than the life expectancy of
the Beneficiary at the time of the contract owner's
death (as determined for federal tax purposes), and
must begin within one year after the contract
owner's death.
Amount of Death The death benefit will be the gross death benefit
Benefit described below, less any applicable interest change
adjustment, surrender charge, or administrative charges.
The surrender charge is not applicable in the event of
the Annuitant's death if the Date of Issue is prior to
the Annuitant's 75th birthday.
The gross death benefit during the first six Contract
Years will be equal to the greater of: (a) the
Accumulated Value on the date due proof of death is
received at our Annuity Service Office or, (b) the sum
of all net purchase payments made, less any amount
deducted in connection with partial withdrawals. During
any subsequent six Contract Year period, the gross death
benefit will be the greater of: (a) the Accumulated
Value on the date due proof of death is received at our
Annuity Service Office, or (b) the death benefit on
the last day of the previous six Contract Year period
plus any net purchase payments made and less any amount
deducted in connection with partial withdrawals since
then. Notwithstanding the above, if the Date of Issue is
on or after the Annuitant's 75th birthday, the gross
death benefit will be the Accumulated Value on the date
due proof of death is received at our Annuity Service
Office.
13. DIVIDENDS
Annual Dividends Your Contract shares in our divisible surplus while it is
in force prior to the Annuity Date. Each year we will
determine the share of divisible surplus, if any,
accruing to your Contract. Investment results are
credited directly through the changes in the value of
the Accumulation Units and Annuity Units. Also, most
mortality and expense savings are credited directly
through decreases in the appropriate charges. Therefore,
we expect little or no divisible surplus to be credited
to your Contract.
NOTE: These dividends are not related to the dividends
or other distributions that may or may not be credited
to the Divisions by the G.T. Global Variable Investment
Funds.
Dividend You may choose one of the following dividend options:
Options
Option 1. Cash. Paid in cash.
Option 2. Increase Accumulated Value. Use to increase
the Accumulated Value by the amount of the dividend.
You may choose a dividend option within 31 days after
a dividend is credited. If you do not, we will credit
the dividend under Option 2.
10520 5.04
(5/92)
14. PERSONS WITH AN INTEREST IN THE CONTRACT
Ownership The owner is as shown in the application or in any
supplemental agreement attached to this Contract, unless
later changed as provided in this Contract. You, as
owner, are entitled to all rights provided by this
Contract, prior to the Annuity Date. Ownership may be
changed in accordance with the Change of Owner or
Beneficiary provision. After the Annuity Date, you
cannot change the payee nor the mode of payment, unless
otherwise provided in this Contract. Any person whose
rights of ownership depend upon some future event will
not possess any present rights of ownership. If there is
more than one owner at a given time, all must exercise
the rights of ownership by joint action.
Beneficiary The original Beneficiary is as shown in the application.
You may change the Beneficiary in accordance with the
Change of Owner or Beneficiary provision. Unless
otherwise stated, the Beneficiary has no rights in this
Contract before the death of the contract owner or
Annuitant. If there is more than one Beneficiary at the
death of the Annuitant, each will receive equal payments
unless otherwise provided. If there are no Beneficiaries
living when the Annuitant dies, or at the end of any
common disaster period, the Proceeds (commuted if
required) will be payable to you, if you are living, or
to your estate.
Change of Owner During the Annuitant's lifetime you may change the
or Beneficiary Ownership and Beneficiary designations. You must make
the change in written form satisfactory to us. If
acceptable to us it will take effect as of the time you
signed the Written Request, whether or not the Annuitant
is living when we receive your request at our Annuity
Service Office. The change will be subject to any
assignment of this Contract or other legal restrictions.
It will also be subject to any payment we made or action
we took before we received your Written Request of the
change. We have the right to require the Contract for
endorsement before we accept the change. We will not be
bound by any Change of Owner of the Contract or of any
interest in it unless we send you an acknowledged copy.
If you are also the Beneficiary of the Contract at the
time of the Annuitant's death, you may designate some
other person to receive the Proceeds of the Contract at
the time due proof of death is submitted to our Annuity
Service Office.
If this is a non-corporate qualified contract, you may
not transfer, sell, assign, discount, or pledge this
Contract for a loan or a security for the performance of
an obligation or any other purpose to any person other
than to us at our Annuity Service Office.
Assignments THIS ASSIGNMENT PROVISlON WILL NOT APPLY TO
NON-CORPORATE QUALIFIED CONTRACTS. NO ASSIGNMENT WILL BE
PERMITTED IN SUCH CASES.
We will not be bound by an assignment of the Contract or
of any interest in it unless:
1. It is made as a written instrument;
2. You file the original instrument or a certified copy
with us at our Annuity Service Office; and
3. We send you an acknowledged copy.
We are not responsible for the validity of any assignment.
If a claim is based on an assignment, we may require
proof of the interest of the claimant. A valid
assignment will take precedence over any claim of a
Beneficiary. Any amounts due under a valid assignment
will be paid in one lump sum.
10667 6.01
(5/92)
15. THE CONTRACT
The Contract This Contract, its endorsements and amendments if any,
and the application, a copy of which is attached to and
made a part of the Contract, are the entire Contract.
This Contract will be subject to all of the provisions
of the Investment Company Act of 1940 at all times
during which the Separate Accounts are registered under
such act as unit investment trusts.
Control Consistent with the terms of any Beneficiary
designation, you may, during the life of the Annuitant,
do any of the things described below:
1. Prior to the time when Annuity Payments have begun you
may surrender this Contract or withdraw a portion of the
Accumulated Value.
2. You may exercise any right, receive any benefit, or
enjoy any privilege contained in this Contract.
Modification No condition or provision of this Contract can be waived
or modified except by a written instrument signed by our
president, a vice president, the secretary, or an
assistant secretary. Our agents have no authority to
alter or modify any terms, conditions, or agreements of
this Contract, or to waive any of its provisions.
Upon notice to you, or the Payee(s) after the Annuity
Date, this Contract may be modified by us, but only if
such modification (a) is necessary to make the Contract
or the Separate Accounts comply with any law or
regulation issued by a governmental agency to which we
or the Separate Accounts is subject; or (b) is neck to
assure continued qualification of the Contract under the
Internal Revenue Code or other federal or state laws
relating to non-corporate qualified contracts; or (c)
is neck to reflect a change in the operation of the
Separate Accounts or the Divisions; or (d) provides
additional Separate Accounts and/or Fixed Account
options. In the event of any such modification, we may
make appropriate endorsement to the Contract to reflect
such modification.
Statements in Application All statements made by the
Annuitant or on his or her behalf, or by the applicant,
will be deemed representations and not warranties,
except in the case of fraud. Material misstatements will
not be used to void the Contract or deny a claim unless
made in the application.
Incontestability We will not contest this Contract.
Misstatement of If the age or sex of the Annuitant has been misstated in
Age or Sex the application, the benefits available under this
Contract will be those which the purchase payments would
have and Corrections purchased for the correct age or
sex. Any underpayments already made by us will be made
up immediately and any overpayments already made by us
will be charged against the Annuity Payments falling due
after adjustment.
If we make any payment or Contract changes in good
faith, relying on our records, or evidence supplied to
us, we will be fully discharged. We reserve the right to
correct any errors in the Contract.
Claims of Creditors To the extent permitted by law, neither the Contract nor
any payment under it will be subject to the claim of
creditors or to any legal process.
Conformity If any provision in this Contract is in conflict with
with Statutes the laws of the state which govern this Contract, the
provision will be deemed to be amended to conform with
such laws.
Relationship of We will have exclusive and absolute ownership and control
This Contract of the assets of our Fixed Account. The method of
to Company determination by us of the value of an Accumulation Unit
Accounts or an Annuity Unit will be conclusive upon you and any
Beneficiary.
10667 6.02
(5/92)
Contract Owner At least once each Contract Year we will mail a report to
Reports you. The report will be mailed to your last address
known to us. The report will include a statement of the
number of units credited to the Separate Accounts under
this Contract and the dollar value of such units as well
as a statement of the value of the fixed portion of this
Contract. The information in the report will be as of a
date not more than two months prior to the date of
mailing the report. We will also mail to you at least
once in each Contract Year a report of the investments
held in the Divisions under this Contract.
Premium Tax State and local government premium tax, if applicable,
will be deducted from purchase payments or Accumulated
Value when the tax is incurred by us.
Other Taxes We reserve the right to make a charge for any federal,
state or local taxes (other than premium taxes) that we
incur, or economic burden on us resulting from the
application of the tax laws that we determine to be
properly attributable to the Separate Accounts or to the
contracts.
10667 6.03
(5/92)
ANNUITY OPTION TABLES
for each $1,000
MALE FEMALE OPTION 1 OPTION 2 OPTION 4
------------------------------------ -------------------------------------------------------- ------------------------------
LIFE 60 MONTHS 120 MONTHS 180 MONTHS 240 MONTHS INCOME FOR A FIXED PERIOD
ANNUITY GUARANTY GUARANTY GUARANTY GUARANTY ------------------------------
------------------------------------ -------------------------------------------------------- YEARS MONTHLY
CERTAIN INSTALLMENTS
45 50 $4.53 $4.52 $4.50 $4.46 $4.40
46 51 $4.59 $4.58 $4.55 $4.51 $4.45 ------------------------------
47 52 $4.65 $4.64 $4.61 $4.56 $4.50 5 $18.32
48 53 $4.72 $4.71 $4.67 $4.62 $4.55 6 $15.56
49 54 $4.79 $4.77 $4.74 $4.68 $4.60 7 $13.59
50 55 $4.86 $4.85 $4.81 $4.74 $4.65 8 $12.11
51 56 $4.94 $4.92 $4.88 $4.80 $4.71 9 $10.97
52 57 $5.02 $5.00 $4.95 $4.87 $4.76 10 $10.06
53 58 $5.10 $5.08 $5.03 $4.94 $4.82 11 $9.31
54 59 $5.19 $5.17 $5.11 $5.01 $4.88 12 $8.69
55 60 $5.29 $5.26 $5.20 $5.09 $4.94 13 $8.17
56 61 $5.39 $5.36 $5.29 $5.17 $5.00 14 $7.72
57 62 $5.49 $5.47 $5.38 $5.25 $5.06 15 $7.34
58 63 $5.61 $5.58 $5.48 $5.33 $5.12 16 $7.00
59 64 $5.73 $5.70 $5.59 $5.42 $5.18 17 $6.70
60 65 $5.86 $5.82 $5.70 $5.51 $5.24 18 $6.44
61 66 $6.00 $5.96 $5.82 $5.60 $5.31 19 $6.21
62 67 $6.15 $6.10 $5.95 $5.69 $5.37 20 $6.00
63 68 $6.32 $6.26 $6.08 $5.79 $5.43 21 $5.81
64 69 $6.49 $6.42 $6.21 $5.89 $5.48 22 $5.64
65 70 $6.68 $6.60 $6.35 $5.98 $5.54 23 $5.49
66 71 $6.88 $6.78 $6.50 $6.08 $5.59 24 $5.35
67 72 $7.09 $6.98 $6.65 $6.18 $5.64 25 $5.22
68 73 $7.31 $7.18 $6.81 $6.28 $5.69 26 $5.10
69 74 $7.56 $7.40 $6.97 $6.37 $5.73 27 $4.99
70 75 $7.82 $7.64 $7.14 $6.47 $5.77 28 $4.89
71 76 $8.09 $7.88 $7.31 $6.55 $5.81 29 $4.80
72 77 $8.39 $8.14 $7.48 $6.64 $5.84 30 $4.72
73 78 $8.71 $8.41 $7.65 $6.72 $5.87
74 79 $9.05 $8.70 $7.83 $6.80 $5.89
75 80 $9.41 $9.00 $8.00 $6.87 $5.91
76 81 $9.81 $9.32 $8.17 $6.93 $5.93
77 82 $10.23 $9.65 $8.34 $6.99 $5.95
78 83 $10.68 $9.99 $8.50 $7.05 $5.96
79 84 $11.16 $10.35 $8.66 $7.10 $5.97
80 85 $11.68 $10.72 $8.81 $7.14 $5.98
81 $12.23 $11.09 $8.95 $7.18 $5.99
82 $12.81 $11.47 $9.09 $7.21 $5.99
83 $13.44 $11.86 $9.21 $7.23 $5.99
84 $14.09 $12.25 $9.32 $7.26 $6.00
85 $14.79 $12.64 $9.43 $7.28 $6.00
The mortality table used in computing annuity options under this contract is
the 1983 Individual Annuity Mortality Table a.
00754 7.01
(5/92)
ANNUITY OPTION TABLES
for each $1,000
-------------------------------------------------------------------------------------------------------------------
OPTION 3 - MONTHLY INSTALLMENTS-JOINT AND EQUAL TO SECONDARY PAYEE
-------------------------------------------------------------------------------------------------------------------
Male 45 46 47 48 49 50 51 52 53 54 55
-------------------------------------------------------------------------------------------------------------------
Female 50 51 52 53 54 55 56 57 58 59 60
-------------------------------------------------------------------------------------------------------------------
50 55 $4.19 $4.22 $4.24 $4.27 $4.30 $4.32 $4.35 $4.37 $4.40 $4.43 $4.45
51 56 $4.21 $4.23 $4.26 $4.29 $4.32 $4.35 $4.38 $4.40 $4.43 $4.46 $4.48
52 57 $4.22 $4.25 $4.28 $4.31 $4.34 $4.37 $4.44 $4.43 $4.46 $4.49 $4.52
53 58 $4.24 $4.27 $4.30 $4.33 $4.37 $4.40 $4.43 $4.46 $4.49 $4.52 $4.55
54 59 $4.25 $4.29 $4.32 $4.35 $4.39 $4.42 $4.46 $4.49 $4.52 $4.56 $4.59
55 60 $4.27 $4.30 $4.34 $4.37 $4.41 $4.45 $4.48 $4.52 $4.55 $4.59 $4.62
56 61 $4.28 $4.32 $4.36 $4.39 $4.43 $4.47 $4.51 $4.54 $4.58 $4.62 $4.66
57 62 $4.30 $4.33 $4.37 $4.41 $4.45 $4.49 $4.53 $4.57 $4.61 $4.65 $4.69
58 63 $4.31 $4.35 $4.39 $4.43 $4.47 $4.51 $4.55 $4.60 $4.64 $4.68 $4.73
59 64 $4.32 $4.36 $4.40 $4.45 $4.49 $4.53 $4.58 $4.62 $4.67 $4.71 $4.76
60 65 $4.34 $4.38 $4.42 $4.46 $4.51 $4.55 $4.60 $4.65 $4.69 $4.74 $4.79
61 66 $4.35 $4.39 $4.43 $4.48 $4.53 $4.57 $4.62 $4.67 $4.72 $4.77 $4.82
62 67 $4.36 $4.40 $4.45 $4.49 $4.54 $4.59 $4.64 $4.69 $4.75 $4.80 $4.85
63 68 $4.37 $4.41 $4.46 $4.51 $4.56 $4.61 $4.66 $4.71 $4.77 $4.83 $4.88
64 69 $4.38 $4.42 $4.47 $4.52 $4.57 $4.63 $4.68 $4.74 $4.79 $4.85 $4.91
65 70 $4.39 $4.43 $4.48 $4.53 $4.59 $4.64 $4.70 $4.76 $4.81 $4.88 $4.94
66 71 $4.40 $4.44 $4.49 $4.55 $4.60 $4.66 $4.71 $4.77 $4.84 $4.90 $4.96
67 72 $4.40 $4.45 $4.50 $4.56 $4.61 $4.67 $4.73 $4.79 $4.86 $4.92 $4.99
68 73 $4.41 $4.46 $4.51 $4.57 $4.63 $4.68 $4.75 $4.81 $4.87 $4.94 $5.01
69 74 $4.42 $4.47 $4.52 $4.58 $4.64 $4.70 $4.76 $4.82 $4.89 $4.96 $5.03
70 75 $4.43 $4.48 $4.53 $4.59 $4.65 $4.71 $4.77 $4.84 $4.91 $4.98 $5.06
71 76 $4.43 $4.48 $4.54 $4.60 $4.66 $4.72 $4.78 $4.85 $4.92 $5.00 $5.08
72 77 $4.44 $4.49 $4.55 $4.60 $4.67 $4.73 $4.80 $4.87 $4.94 $5.01 $5.09
73 78 $4.44 $4.50 $4.55 $4.61 $4.67 $4.74 $4.81 $4.88 $4.95 $5.03 $5.11
74 79 $4.45 $4.50 $4.56 $4.62 $4.68 $4.75 $4.82 $4.89 $4.96 $5.04 $5.13
75 80 $4.45 $4.51 $4.56 $4.63 $4.69 $4.76 $4.83 $4.90 $4.98 $5.06 $5.14
----------------------------------------------------------------------------------------------------------
OPTION 3 - MONTHLY INSTALLMENTS-JOINT AND EQUAL TO SECONDARY PAYEE
----------------------------------------------------------------------------------------------------------
Male 56 57 58 59 60 61 62 63 64 65
----------------------------------------------------------------------------------------------------------
Female 61 62 63 64 65 66 67 68 69 70
----------------------------------------------------------------------------------------------------------
50 55 $4.47 $4.50 $4.52 $4.54 $4.56 $4.58 $4.60 $4.62 $4.64 $4.65
51 56 $4.51 $4.54 $4.56 $4.58 $4.61 $4.63 $4.65 $4.67 $4.69 $4.71
52 57 $4.55 $4.57 $4.60 $4.63 $4.65 $4.68 $4.70 $4.72 $4.74 $4.76
53 58 $4.58 $4.61 $4.64 $4.67 $4.70 $4.73 $4.75 $4.78 $4.80 $4.82
54 59 $4.62 $4.65 $4.69 $4.72 $4.75 $4.78 $4.80 $4.83 $4.86 $4.88
55 60 $4.66 $4.69 $4.73 $4.76 $4.79 $4.83 $4.86 $4.89 $4.91 $4.94
56 61 $4.70 $4.73 $4.77 $4.81 $4.84 $4.88 $4.91 $4.94 $4.97 $5.00
57 62 $4.73 $4.77 $4.81 $4.85 $4.89 $4.93 $4.96 $5.00 $5.03 $5.07
58 63 $4.77 $4.81 $4.85 $4.90 $4.94 $4.98 $5.02 $5.06 $5.10 $5.13
59 64 $4.80 $4.85 $4.90 $4.94 $4.99 $5.03 $5.07 $5.12 $5.16 $5.20
60 65 $4.84 $4.89 $4.94 $4.99 $5.03 $5.08 $5.13 $5.18 $5.22 $5.27
61 66 $4.87 $4.93 $4.98 $5.03 $5.08 $5.13 $5.19 $5.24 $5.28 $5.33
62 67 $4.91 $4.96 $5.02 $5.07 $5.13 $5.19 $5.24 $5.30 $5.35 $5.40
63 68 $4.94 $5.00 $5.06 $5.12 $5.18 $5.24 $5.30 $5.35 $5.41 $5.47
64 69 $4.97 $5.03 $5.10 $5.16 $5.22 $5.29 $5.35 $5.41 $5.48 $5.54
65 70 $5.00 $5.07 $5.13 $5.20 $5.27 $5.34 $5.40 $5.47 $5.54 $5.61
66 71 $5.03 $5.11 $5.17 $5.24 $5.31 $5.38 $5.46 $5.53 $5.60 $5.68
67 72 $5.06 $5.13 $5.20 $5.28 $5.35 $5.43 $5.51 $5.59 $5.66 $5.74
68 73 $5.09 $5.16 $5.24 $5.31 $5.39 $5.48 $5.56 $5.64 $5.73 $5.81
69 74 $5.11 $5.19 $5.27 $5.35 $5.43 $5.52 $5.61 $5.69 $5.78 $5.87
70 75 $5.13 $5.21 $5.30 $5.38 $5.47 $5.56 $5.65 $5.75 $5.84 $5.94
71 76 $5.16 $5.24 $5.33 $5.41 $5.51 $5.60 $5.70 $5.79 $5.90 $6.00
72 77 $5.18 $5.26 $5.35 $5.44 $5.54 $5.64 $5.74 $5.84 $5.95 $6.06
73 78 $5.20 $5.28 $5.38 $5.47 $5.57 $5.67 $5.78 $5.89 $6.00 $6.11
74 79 $5.21 $5.31 $5.40 $5.50 $5.60 $5.51 $5.82 $5.93 $6.05 $6.17
75 80 $5.23 $5.32 $5.42 $5.52 $5.63 $5.54 $5.85 $5.97 $6.09 $6.22
-------------------------------------------------------------------------------------------------------------------
OPTION 3 - MONTHLY INSTALLMENTS - JOINT AND ONE-HALF TO SECONDARY PAYEE
-------------------------------------------------------------------------------------------------------------------
Male 45 46 47 48 49 50 51 52 53 54 55
-------------------------------------------------------------------------------------------------------------------
Female 50 51 52 53 54 55 56 57 58 59 60
-------------------------------------------------------------------------------------------------------------------
50 55 $4.50 $4.51 $4.53 $4.55 $4.56 $4.58 $4.59 $4.60 $4.62 $4.63 $4.65
51 56 $4.54 $4.56 $4.57 $4.59 $4.61 $4.62 $4.64 $4.65 $4.67 $4.68 $4.70
52 57 $4.59 $4.60 $4.62 $4.64 $4.66 $4.67 $4.69 $4.71 $4.72 $4.74 $4.75
53 58 $4.63 $4.65 $4.67 $4.69 $4.70 $4.72 $4.74 $4.76 $4.78 $4.80 $4.81
54 59 $4.68 $4.70 $4.72 $4.74 $4.76 $4.78 $4.80 $4.81 $4.83 $4.85 $4.87
55 60 $4.72 $4.74 $4.77 $4.79 $4.81 $4.83 $4.85 $4.87 $4.89 $4.91 $4.93
56 61 $4.77 $4.79 $4.82 $4.84 $4.86 $4.88 $4.91 $4.93 $4.95 $4.97 $5.00
57 62 $4.82 $4.85 $4.87 $4.89 $4.92 $4.94 $4.97 $4.99 $5.01 $5.04 $5.06
58 63 $4.87 $4.90 $4.92 $4.95 $4.98 $5.00 $5.03 $5.05 $5.08 $5.10 $5.13
59 64 $4.93 $4.95 $4.98 $5.01 $5.03 $5.06 $5.09 $5.12 $5.14 $5.17 $5.20
60 65 $4.98 $5.01 $5.04 $5.07 $5.10 $5.13 $5.15 $5.18 $5.21 $5.24 $5.27
61 66 $5.04 $5.07 $5.10 $5.13 $5.16 $5.19 $5.22 $5.25 $5.29 $5.32 $5.35
62 67 $5.10 $5.13 $5.16 $5.19 $5.23 $5.26 $5.29 $5.33 $5.36 $5.39 $5.43
63 68 $5.17 $5.20 $5.23 $5.26 $5.30 $5.33 $5.36 $5.40 $5.44 $5.47 $5.51
64 69 $5.23 $5.26 $5.30 $5.33 $5.37 $5.40 $5.44 $5.48 $5.51 $5.55 $5.59
65 70 $5.30 $5.33 $5.36 $5.40 $5.44 $5.48 $5.51 $5.55 $5.59 $5.64 $5.68
66 71 $5.36 $5.40 $5.44 $5.47 $5.51 $5.55 $5.59 $5.64 $5.68 $5.72 $5.77
67 72 $5.43 $5.47 $5.51 $5.55 $5.59 $5.63 $5.67 $5.72 $5.76 $5.81 $5.86
68 73 $5.50 $5.54 $5.58 $5.62 $5.67 $5.71 $5.76 $5.80 $5.85 $5.90 $5.95
69 74 $5.58 $5.62 $5.66 $5.70 $5.75 $5.79 $5.84 $5.89 $5.94 $5.99 $6.04
70 75 $5.65 $5.69 $5.74 $5.78 $5.83 $5.88 $5.93 $5.98 $6.03 $6.08 $6.14
71 76 $5.73 $5.77 $5.82 $5.86 $5.91 $5.96 $6.01 $6.07 $6.12 $6.18 $6.24
72 77 $5.80 $5.85 $5.90 $5.95 $6.00 $6.05 $6.10 $6.16 $6.22 $6.28 $6.34
73 78 $5.88 $5.93 $5.98 $6.03 $6.08 $6.14 $6.19 $6.25 $6.31 $6.38 $6.44
74 79 $5.96 $6.01 $6.06 $6.12 $6.17 $6.23 $6.29 $6.35 $6.41 $6.48 $6.55
75 80 $6.05 $6.10 $6.15 $6.20 $6.26 $6.32 $6.38 $6.44 $6.51 $6.58 $6.65
----------------------------------------------------------------------------------------------------------
OPTION 3 - MONTHLY INSTALLMENTS - JOINT AND ONE-HALF TO SECONDARY PAYEE
----------------------------------------------------------------------------------------------------------
Male 56 57 58 59 60 61 62 63 64 65
----------------------------------------------------------------------------------------------------------
Female 61 62 63 64 65 66 67 68 69 70
----------------------------------------------------------------------------------------------------------
50 55 $4.66 $4.67 $4.68 $4.69 $4.71 $4.72 $4.73 $4.74 $4.75 $4.75
51 56 $4.71 $4.73 $4.74 $4.75 $4.77 $4.78 $4.79 $4.80 $4.81 $4.82
52 57 $4.77 $4.79 $4.80 $4.81 $4.83 $4.84 $4.85 $4.86 $4.88 $4.89
53 58 $4.83 $4.85 $4.86 $4.88 $4.89 $4.91 $4.92 $4.93 $4.95 $4.96
54 59 $4.89 $4.91 $4.93 $4.94 $4.96 $4.97 $4.99 $5.00 $5.02 $5.03
55 60 $4.95 $4.97 $4.99 $5.01 $5.03 $5.04 $5.06 $5.08 $5.09 $5.11
56 61 $5.02 $5.04 $5.06 $5.08 $5.10 $5.12 $5.14 $5.15 $5.17 $5.19
57 62 $5.09 $5.11 $5.13 $5.15 $5.17 $5.20 $5.22 $5.24 $5.25 $5.27
58 63 $5.16 $5.18 $5.20 $5.23 $5.25 $5.28 $5.30 $5.32 $5.34 $5.36
59 64 $5.23 $5.25 $5.28 $5.31 $5.33 $5.36 $5.38 $5.41 $5.43 $5.45
60 65 $5.30 $5.33 $5.36 $5.39 $5.42 $5.44 $5.47 $5.50 $5.52 $5.55
61 66 $5.38 $5.41 $5.44 $5.47 $5.51 $5.54 $5.56 $5.59 $5.62 $5.65
62 67 $5.46 $5.50 $5.53 $5.56 $5.60 $5.63 $5.66 $5.69 $5.72 $5.75
63 68 $5.54 $5.58 $5.62 $5.65 $5.69 $5.73 $5.76 $5.80 $5.83 $5.86
64 69 $5.63 $5.67 $5.71 $5.75 $5.79 $5.83 $5.87 $5.90 $5.94 $5.98
65 70 $5.72 $5.76 $5.80 $5.85 $5.89 $5.93 $5.97 $6.01 $6.06 $6.10
66 71 $5.81 $5.86 $5.90 $5.95 $5.99 $6.04 $6.08 $6.13 $6.17 $6.22
67 72 $5.90 $5.95 $6.00 $6.05 $6.10 $6.15 $6.20 $6.25 $6.30 $6.35
68 73 $6.00 $6.05 $6.10 $6.16 $6.21 $6.26 $6.32 $6.37 $6.42 $6.48
69 74 $6.10 $6.15 $6.21 $6.26 $6.32 $6.38 $6.44 $6.48 $6.55 $6.61
70 75 $6.20 $6.26 $6.31 $6.38 $6.44 $6.50 $6.56 $6.62 $6.69 $6.75
71 76 $6.30 $6.36 $6.42 $6.49 $6.55 $6.62 $6.69 $6.75 $6.89 $6.89
72 77 $6.40 $6.47 $6.54 $6.60 $6.67 $6.74 $6.82 $6.89 $6.96 $7.04
73 78 $6.51 $6.58 $6.65 $6.72 $6.79 $6.87 $6.95 $7.03 $7.10 $7.18
74 79 $6.62 $6.69 $6.76 $6.84 $6.92 $7.00 $7.08 $7.17 $7.25 $7.34
75 80 $6.73 $6.80 $6.88 $6.96 $7.04 $7.13 $7.22 $7.31 $7.40 $7.49
00754 7.02
(5/92)
-------------------------------------------------------------------------------------------------------------------
OPTION 3-MONTHLY INSTALLMENTS-JOINT AND TWO-THIRDS TO SECONDARY PAYEE
-------------------------------------------------------------------------------------------------------------------
Male 45 46 47 48 49 50 51 52 53 54 55
-------------------------------------------------------------------------------------------------------------------
Female 50 51 52 53 54 55 56 57 58 59 60
-------------------------------------------------------------------------------------------------------------------
50 55 $4.39 $4.41 $4.43 $4.45 $4.47 $4.49 $4.51 $4.53 $4.55 $4.56 $4.58
51 56 $4.42 $4.44 $4.47 $4.49 $4.51 $4.53 $4.55 $4.57 $4.59 $4.61 $4.63
52 57 $4.46 $4.48 $4.50 $4.52 $4.55 $4.57 $4.59 $4.61 $4.63 $4.65 $4.67
53 58 $4.49 $4.52 $4.54 $4.56 $4.59 $4.61 $4.63 $4.66 $4.68 $4.70 $4.72
54 59 $4.53 $4.55 $4.58 $4.60 $4.63 $4.65 $4.68 $4.70 $4.73 $4.75 $4.77
55 60 $4.56 $4.59 $4.61 $4.64 $4.67 $4.69 $4.72 $4.75 $4.77 $4.80 $4.83
56 61 $4.60 $4.62 $4.65 $4.68 $4.71 $4.74 $4.77 $4.79 $4.82 $4.85 $4.88
57 62 $4.63 $4.66 $4.69 $4.72 $4.75 $4.78 $4.81 $4.84 $4.87 $4.90 $4.93
58 63 $4.67 $4.70 $4.73 $4.76 $4.79 $4.83 $4.86 $4.89 $4.92 $4.96 $4.99
59 64 $4.71 $4.74 $4.77 $4.81 $4.84 $4.87 $4.91 $4.94 $4.98 $5.01 $5.04
60 65 $4.75 $4.78 $4.81 $4.85 $4.86 $4.92 $4.96 $4.99 $5.03 $5.07 $5.10
61 66 $4.79 $4.82 $4.86 $4.89 $4.93 $4.97 $5.01 $5.05 $5.08 $5.12 $5.16
62 67 $4.83 $4.86 $4.90 $4.94 $4.98 $5.02 $5.06 $5.10 $5.14 $5.18 $5.22
63 68 $4.87 $4.91 $4.94 $4.98 $5.02 $5.07 $5.11 $5.15 $5.19 $5.24 $5.28
64 69 $4.91 $4.95 $4.99 $5.03 $5.07 $5.12 $5.16 $5.20 $5.25 $5.30 $5.34
65 70 $4.95 $4.99 $5.03 $5.08 $5.12 $5.17 $5.21 $5.26 $5.31 $5.36 $5.41
66 71 $5.00 $5.04 $5.08 $5.13 $5.17 $5.22 $5.25 $5.32 $5.37 $5.42 $5.47
67 72 $5.04 $5.08 $5.13 $5.17 $5.22 $5.27 $5.32 $5.37 $5.43 $5.48 $5.54
68 73 $5.08 $5.13 $5.17 $5.22 $5.27 $5.32 $5.37 $5.43 $5.48 $5.54 $5.60
69 74 $5.13 $5.17 $5.22 $5.27 $5.32 $5.37 $5.43 $5.49 $5.54 $5.60 $5.67
70 75 $5.17 $5.22 $5.27 $5.32 $5.37 $5.43 $5.48 $5.54 $5.60 $5.67 $5.73
71 76 $5.22 $5.27 $5.32 $5.37 $5.42 $5.48 $5.54 $5.60 $5.66 $5.73 $5.80
72 77 $5.26 $5.31 $5.37 $5.42 $5.48 $5.53 $5.60 $5.66 $5.72 $5.79 $5.86
73 78 $5.31 $5.36 $5.41 $5.47 $5.53 $5.59 $5.65 $5.72 $5.78 $5.85 $5.93
74 79 $5.36 $5.41 $5.46 $5.52 $5.58 $5.64 $5.71 $5.77 $5.84 $5.92 $5.99
75 80 $5.40 $5.45 $5.51 $5.57 $5.63 $5.58 $5.76 $5.83 $5.90 $5.98 $6.06
----------------------------------------------------------------------------------------------------------
OPTION 3-MONTHLY INSTALLMENTS-JOINT AND TWO-THIRDS TO SECONDARY PAYEE
----------------------------------------------------------------------------------------------------------
Male 56 57 58 59 60 61 62 63 64 65
----------------------------------------------------------------------------------------------------------
Female 61 62 63 64 65 66 67 68 69 70
----------------------------------------------------------------------------------------------------------
50 55 $4.60 $4.61 $4.63 $4.64 $4.66 $4.67 $4.68 $4.70 $4.71 $4.72
51 56 $4.64 $4.66 $4.68 $4.70 $4.71 $4.73 $4.74 $4.76 $4.77 $4.78
52 57 $4.69 $4.71 $4.73 $4.75 $4.77 $4.78 $4.80 $4.82 $4.83 $4.85
53 58 $4.74 $4.77 $4.79 $4.81 $4.83 $4.84 $4.86 $4.88 $4.90 $4.91
54 59 $4.80 $4.82 $4.84 $4.86 $4.89 $4.91 $4.93 $4.94 $4.96 $4.98
55 60 $4.85 $4.88 $4.90 $4.92 $4.95 $4.97 $4.99 $5.01 $5.03 $5.05
56 61 $4.91 $4.93 $4.96 $4.99 $5.01 $5.04 $5.06 $5.08 $5.10 $5.13
57 62 $4.96 $4.99 $5.02 $5.05 $5.08 $5.10 $5.13 $5.15 $5.18 $5.20
58 63 $5.02 $5.05 $5.08 $5.11 $5.14 $5.17 $5.20 $5.23 $5.26 $5.28
59 64 $5.08 $5.11 $5.15 $5.18 $5.21 $5.24 $5.28 $5.31 $5.34 $5.36
60 65 $5.14 $5.18 $5.21 $5.25 $5.28 $5.32 $5.35 $5.39 $5.42 $5.45
61 66 $5.20 $5.24 $5.28 $5.32 $5.36 $5.39 $5.43 $5.47 $5.50 $5.54
62 67 $5.26 $5.31 $5.35 $5.39 $5.43 $5.47 $5.51 $5.55 $5.59 $5.63
63 68 $5.33 $5.37 $5.42 $5.46 $5.51 $5.55 $5.60 $5.64 $5.68 $5.73
64 69 $5.39 $5.44 $5.49 $5.54 $5.59 $5.64 $5.68 $5.73 $5.78 $5.82
65 70 $5.46 $5.51 $5.56 $5.61 $5.67 $5.72 $5.77 $5.82 $5.87 $5.92
66 71 $5.52 $5.58 $5.64 $5.69 $5.75 $5.80 $5.86 $5.92 $5.97 $6.03
67 72 $5.59 $5.65 $5.71 $5.77 $5.83 $5.89 $5.95 $6.01 $6.07 $6.13
68 73 $5.66 $5.72 $5.78 $5.85 $5.91 $5.98 $6.04 $6.11 $6.17 $6.24
69 74 $5.73 $5.79 $5.86 $5.93 $5.99 $6.06 $6.13 $6.20 $6.27 $6.35
70 75 $5.80 $5.86 $5.93 $6.01 $6.08 $6.15 $6.23 $6.30 $6.38 $6.45
71 76 $5.87 $5.94 $6.01 $6.09 $6.16 $6.24 $6.32 $6.40 $6.48 $6.57
72 77 $5.93 $6.01 $6.09 $6.17 $6.25 $6.33 $6.41 $6.50 $6.59 $6.68
73 78 $6.00 $6.08 $6.16 $6.25 $6.33 $6.42 $6.51 $6.60 $6.69 $6.79
74 79 $6.07 $6.15 $6.24 $6.33 $6.42 $6.51 $6.60 $6.70 $6.80 $6.90
75 80 $6.14 $6.23 $6.31 $6.41 $6.50 $6.60 $6.70 $6.80 $6.91 $7.01
00754 7.03
(5/92)
