Common use of ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION Clause in Contracts

ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION. 10.01 A VARIABLE PAYMENT OPTION WITH A 3.0% ASSUMED INTEREST RATE -------------------------------------------------------------- DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------- 60 $4.33 $4.29 $4.13 $4.10 61 4.43 4.38 4.20 4.17 62 4.53 4.47 4.27 4.24 63 4.64 4.57 4.34 4.32 64 4.75 4.68 4.40 4.40 65 4.87 4.79 4.47 4.48 66 5.00 4.90 4.55 4.57 67 5.15 5.03 4.61 4.67 68 5.30 5.16 4.68 4.77 69 5.46 5.30 4.75 4.87 70 5.64 5.44 4.81 4.98 71 5.83 5.60 4.88 5.10 72 6.03 5.76 4.93 5.22 73 6.25 5.93 4.99 5.35 74 6.50 6.10 5.04 5.48 75 6.76 6.29 5.08 5.62 -------------------------------------------------------------- ----------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES ----------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor ----------------------------------------------------------------------------- Certain Period Certain Period ----------------------------------------------------------------------------- None 120 240 Joint Age None 120 240 ----------------------------------------------------------------------------- $3.93 $3.93 $3.90 60 $4.34 $4.29 $4.14 4.00 4.00 3.96 61 4.43 4.38 4.20 4.08 4.08 4.03 62 4.53 4.48 4.27 4.17 4.16 4.10 63 4.64 4.58 4.34 4.25 4.25 4.18 64 4.75 4.68 4.41 4.35 4.34 4.25 65 4.88 4.79 4.48 4.45 4.44 4.33 66 5.01 4.91 4.55 4.56 4.55 4.41 67 5.15 5.03 4.61 4.68 4.66 4.49 68 5.30 5.16 4.68 4.80 4.78 4.57 69 5.46 5.29 4.75 4.94 4.91 4.64 70 5.63 5.44 4.81 5.08 5.05 4.72 71 5.81 5.59 4.87 5.23 5.19 4.79 72 6.01 5.74 4.93 5.40 5.34 4.86 73 6.22 5.91 4.98 5.57 5.50 4.93 74 6.45 6.08 5.03 5.77 5.67 4.99 75 6.70 6.25 5.08 ----------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 + 2 1960-1969 - 3 1920-1929 + 1 1970-1979 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.

ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION. 10.01 A VARIABLE PAYMENT OPTION WITH A 3.0% ASSUMED INTEREST RATE -------------------------------------------------------------- ----------------------------------------------------------------------------- DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------- ----------------------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------- ----------------------------------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------- ----------------------------------------------------------------------------- 60 $4.33 $4.29 $4.13 $4.10 61 4.43 4.38 4.20 4.17 62 4.53 4.47 4.27 4.24 63 4.64 4.57 4.34 4.32 64 4.75 4.68 4.40 4.40 65 4.87 4.79 4.47 4.48 66 5.00 4.90 4.55 4.57 67 5.15 5.03 4.61 4.67 68 5.30 5.16 4.68 4.77 69 5.46 5.30 4.75 4.87 70 5.64 5.44 4.81 4.98 71 5.83 5.60 4.88 5.10 72 6.03 5.76 4.93 5.22 73 6.25 5.93 4.99 5.35 74 6.50 6.10 5.04 5.48 75 6.76 6.29 5.08 5.62 -------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES ----------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor ----------------------------------------------------------------------------- Certain Period Certain Period ----------------------------------------------------------------------------- None 120 240 Joint Age None 120 240 ----------------------------------------------------------------------------- $3.93 $3.93 $3.90 60 $4.34 $4.29 $4.14 4.00 4.00 3.96 61 4.43 4.38 4.20 4.08 4.08 4.03 62 4.53 4.48 4.27 4.17 4.16 4.10 63 4.64 4.58 4.34 4.25 4.25 4.18 64 4.75 4.68 4.41 4.35 4.34 4.25 65 4.88 4.79 4.48 4.45 4.44 4.33 66 5.01 4.91 4.55 4.56 4.55 4.41 67 5.15 5.03 4.61 4.68 4.66 4.49 68 5.30 5.16 4.68 4.80 4.78 4.57 69 5.46 5.29 4.75 4.94 4.91 4.64 70 5.63 5.44 4.81 5.08 5.05 4.72 71 5.81 5.59 4.87 5.23 5.19 4.79 72 6.01 5.74 4.93 5.40 5.34 4.86 73 6.22 5.91 4.98 5.57 5.50 4.93 74 6.45 6.08 5.03 5.77 5.67 4.99 75 6.70 6.25 5.08 ----------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 + 2 1960-1969 - 3 1920-1929 + 1 1970-1979 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.

ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION. 10.01 A VARIABLE PAYMENT OPTION WITH A 3.0% ASSUMED INTEREST RATE -------------------------------------------------------------- DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------- -------------------------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------- -------------------------------------------------------------------------------- No 120 240 Period Months Months Unit Cash Age Certain Certain Certain Refund -------------------------------------------------------------- -------------------------------------------------------------------------------- 60 $4.33 4.93 $4.29 4.86 $4.13 4.65 $4.10 4.67 61 4.43 4.38 4.20 4.17 5.02 4.95 4.71 4.74 62 4.53 4.47 4.27 4.24 5.13 5.04 4.78 4.82 63 4.64 4.57 4.34 4.32 5.24 5.14 4.84 4.90 64 4.75 4.68 4.40 4.40 5.36 5.25 4.91 4.99 65 4.87 4.79 4.47 4.48 5.48 5.36 4.97 5.09 66 5.00 4.90 4.55 4.57 5.62 5.48 5.04 5.19 67 5.15 5.03 4.61 4.67 5.77 5.61 5.10 5.29 68 5.30 5.93 5.75 5.16 4.68 4.77 5.40 69 5.46 5.30 4.75 4.87 6.11 5.89 5.22 5.52 70 6.30 6.04 5.27 5.64 5.44 4.81 4.98 71 5.83 5.60 4.88 5.10 6.51 6.20 5.32 5.77 72 6.03 5.76 4.93 5.22 6.73 6.36 5.37 5.90 73 6.25 5.93 4.99 5.35 6.97 6.53 5.41 6.04 74 6.50 6.10 5.04 7.24 6.71 5.45 6.19 75 7.52 6.89 5.48 75 6.76 6.29 5.08 5.62 -------------------------------------------------------------- ----------------------------------------------------------------------------- 6.35 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES ----------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-------------------------------------------------------------------------------- JOINT AND FULL TO SURVIVOR JOINT AND TWO-Thirds to Survivor ----------------------------------------------------------------------------- THIRDS TO SURVIVOR -------------------------------------------------------------------------------- Certain Period Certain Period ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- Joint None 120 Months 240 Joint Months Age None 120 Months 240 ----------------------------------------------------------------------------- $3.93 $3.93 $3.90 60 Months -------------------------------------------------------------------------------- $4.34 $4.29 4.34 $4.14 4.00 4.00 3.96 4.32 60 $4.72 $4.67 $4.53 4.41 4.41 4.38 61 4.43 4.38 4.20 4.08 4.08 4.03 4.80 4.75 4.60 4.48 4.48 4.44 62 4.53 4.48 4.27 4.17 4.16 4.10 4.89 4.84 4.66 4.56 4.56 4.51 63 4.99 4.93 4.73 4.64 4.64 4.58 4.34 4.25 4.25 4.18 64 4.75 4.68 4.41 4.35 4.34 4.25 5.10 5.03 4.79 4.73 4.73 4.65 65 5.21 5.13 4.86 4.83 4.82 4.73 66 5.33 5.24 4.93 4.93 4.92 4.80 67 5.46 5.36 5.00 5.04 5.03 4.88 4.79 4.48 4.45 4.44 4.33 66 5.01 4.91 4.55 4.56 4.55 4.41 67 68 5.60 5.49 5.06 5.16 5.15 4.95 69 5.76 5.62 5.13 5.29 5.27 5.03 4.61 4.68 4.66 4.49 68 70 5.92 5.76 5.19 5.43 5.40 5.10 71 6.10 5.91 5.25 5.58 5.54 5.17 72 6.30 6.06 5.30 5.16 4.68 4.80 4.78 4.57 69 5.46 5.29 4.75 4.94 4.91 4.64 70 5.63 5.74 5.69 5.24 73 6.51 6.23 5.35 5.91 5.85 5.30 74 6.73 6.40 5.40 6.10 6.02 5.35 75 6.98 6.57 5.44 4.81 5.08 5.05 4.72 71 5.81 5.59 4.87 5.23 5.19 4.79 72 6.01 5.74 4.93 5.40 5.34 4.86 73 6.22 5.91 4.98 5.57 5.50 4.93 74 6.45 6.08 5.03 5.77 5.67 4.99 75 6.70 6.25 5.08 ----------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 + 2 1960-1969 - 3 1920-1929 + 1 1970-1979 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.-------------------------------------------------------------------------------

ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION. 10.01 A VARIABLE PAYMENT OPTION WITH A 3.0% ASSUMED INTEREST RATE -------------------------------------------------------------- DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------- -------------------------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------- -------------------------------------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------- -------------------------------------------------------------------------------- 60 $4.33 $4.29 $4.13 $4.10 61 4.43 4.38 4.20 4.17 62 4.53 4.47 4.27 4.24 63 4.64 4.57 4.34 4.32 64 4.75 4.68 4.40 4.40 65 4.87 4.79 4.47 4.48 66 5.00 4.90 4.55 4.57 67 5.15 5.03 4.61 4.67 68 5.30 5.16 4.68 4.77 69 5.46 5.30 4.75 4.87 70 5.64 5.44 4.81 4.98 71 5.83 5.60 4.88 5.10 72 6.03 5.76 4.93 5.22 73 6.25 5.93 4.99 5.35 74 6.50 6.10 5.04 5.48 75 6.76 6.29 5.08 5.62 -------------------------------------------------------------- ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- Certain Period Certain Period ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- None 120 240 Joint Age None 120 240 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- $3.93 $3.93 $3.90 60 $4.34 $4.29 $4.14 4.00 4.00 3.96 61 4.43 4.38 4.20 4.08 4.08 4.03 62 4.53 4.48 4.27 4.17 4.16 4.10 63 4.64 4.58 4.34 4.25 4.25 4.18 64 4.75 4.68 4.41 4.35 4.34 4.25 65 4.88 4.79 4.48 4.45 4.44 4.33 66 5.01 4.91 4.55 4.56 4.55 4.41 67 5.15 5.03 4.61 4.68 4.66 4.49 68 5.30 5.16 4.68 4.80 4.78 4.57 69 5.46 5.29 4.75 4.94 4.91 4.64 70 5.63 5.44 4.81 5.08 5.05 4.72 71 5.81 5.59 4.87 5.23 5.19 4.79 72 6.01 5.74 4.93 5.40 5.34 4.86 73 6.22 5.91 4.98 5.57 5.50 4.93 74 6.45 6.08 5.03 5.77 5.67 4.99 75 6.70 6.25 5.08 ----------------------------------------------------------------------------- ------------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- -------------------- ------------- ----------------- Before 1920 + 2 1960-1969 - 3 1920-1929 + 1 1970-1979 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.

ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION. 10.01 A VARIABLE PAYMENT OPTION WITH A 3.0% ASSUMED INTEREST RATE -------------------------------------------------------------- DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------- -------------------------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------- -------------------------------------------------------------------------------- No 120 240 Period Months Months Unit Cash Age Certain Certain Certain Refund -------------------------------------------------------------- -------------------------------------------------------------------------------- 60 $4.33 4.78 $4.29 4.73 $4.13 4.56 $4.10 4.56 61 4.43 4.38 4.20 4.17 4.87 4.81 4.63 4.63 62 4.53 4.47 4.27 4.24 4.97 4.90 4.69 4.71 63 4.64 4.57 4.34 4.32 5.07 5.00 4.75 4.78 64 4.75 4.68 4.40 4.40 5.19 5.10 4.82 4.87 65 4.87 4.79 4.47 4.48 5.30 5.21 4.88 4.95 66 5.00 4.90 4.55 4.57 5.43 5.32 4.95 5.04 67 5.15 5.03 4.61 4.67 5.57 5.44 5.01 5.14 68 5.30 5.16 4.68 4.77 5.72 5.56 5.08 5.24 69 5.88 5.70 5.14 5.34 70 6.05 5.84 5.20 5.46 5.30 4.75 4.87 70 5.64 71 6.23 5.99 5.26 5.57 72 6.44 6.14 5.31 5.69 73 6.66 6.30 5.36 5.82 74 6.89 6.47 5.40 5.96 75 7.15 6.65 5.44 4.81 4.98 71 5.83 5.60 4.88 5.10 72 6.03 5.76 4.93 5.22 73 6.25 5.93 4.99 5.35 74 6.50 6.10 5.04 5.48 75 6.76 6.29 5.08 5.62 -------------------------------------------------------------- ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- Certain Period Certain Period ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- Joint None 120 240 Joint Age None 120 240 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- $3.93 4.37 $3.93 4.37 $3.90 4.34 60 $4.34 4.78 $4.29 4.74 $4.14 4.00 4.00 3.96 4.57 4.44 4.44 4.40 61 4.43 4.38 4.20 4.08 4.08 4.03 4.88 4.82 4.63 4.52 4.51 4.46 62 4.97 4.91 4.69 4.60 4.59 4.53 4.48 4.27 4.17 4.16 4.10 63 4.64 4.58 4.34 4.25 4.25 4.18 5.08 5.00 4.76 4.68 4.68 4.60 64 4.75 4.68 4.41 4.35 4.34 4.25 5.19 5.10 4.82 4.77 4.77 4.67 65 5.31 5.21 4.88 4.79 4.48 4.45 4.44 4.33 4.87 4.86 4.74 66 5.44 5.32 4.95 4.98 4.96 4.82 67 5.57 5.44 5.01 4.91 4.55 4.56 4.55 4.41 67 5.15 5.03 4.61 4.68 4.66 4.49 5.09 5.07 4.89 68 5.72 5.56 5.08 5.21 5.19 4.96 69 5.87 5.69 5.14 5.34 5.31 5.04 70 6.04 5.83 5.20 5.47 5.44 5.11 71 6.22 5.97 5.25 5.62 5.58 5.18 72 6.42 6.12 5.31 5.78 5.73 5.24 73 6.62 6.28 5.36 5.96 5.88 5.30 5.16 4.68 4.80 4.78 4.57 69 5.46 5.29 4.75 4.94 4.91 4.64 70 5.63 74 6.85 6.44 5.40 6.14 6.05 5.36 75 7.09 6.61 5.44 4.81 5.08 5.05 4.72 71 5.81 5.59 4.87 5.23 5.19 4.79 72 6.01 5.74 4.93 5.40 5.34 4.86 73 6.22 5.91 4.98 5.57 5.50 4.93 74 6.45 6.08 5.03 5.77 5.67 4.99 75 6.70 6.25 5.08 ----------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 + 2 1960-1969 - 3 1920-1929 + 1 1970-1979 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.

ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION. 10.01 A VARIABLE PAYMENT OPTION WITH A 3.0% ASSUMED INTEREST RATE -------------------------------------------------------------- DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------- -------------------------------------------------------- 60 $4.33 $4.29 $4.13 $4.10 61 4.43 4.38 4.20 4.17 62 4.53 4.47 4.27 4.24 63 4.64 4.57 4.34 4.32 64 4.75 4.68 4.40 4.40 65 4.87 4.79 4.47 4.48 66 5.00 4.90 4.55 4.57 67 5.15 5.03 4.61 4.67 68 5.30 5.16 4.68 4.77 69 5.46 5.30 4.75 4.87 70 5.64 5.44 4.81 4.98 71 5.83 5.60 4.88 5.10 72 6.03 5.76 4.93 5.22 73 6.25 5.93 4.99 5.35 74 6.50 6.10 5.04 5.48 75 6.76 6.29 5.08 5.62 -------------------------------------------------------------- ----------------------------------------------------------------------------- -------------------------------------------------------- ---------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES ----------------------------------------------------------------------------- ---------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor ----------------------------------------------------------------------------- ---------------------------------------------------------------------- Certain Period Certain Period ----------------------------------------------------------------------------- ---------------------------------------------------------------------- None 120 240 Joint Age None 120 240 ----------------------------------------------------------------------------- ---------------------------------------------------------------------- $3.93 $3.93 $3.90 60 $4.34 $4.29 $4.14 4.00 4.00 3.96 61 4.43 4.38 4.20 4.08 4.08 4.03 62 4.53 4.48 4.27 4.17 4.16 4.10 63 4.64 4.58 4.34 4.25 4.25 4.18 64 4.75 4.68 4.41 4.35 4.34 4.25 65 4.88 4.79 4.48 4.45 4.44 4.33 66 5.01 4.91 4.55 4.56 4.55 4.41 67 5.15 5.03 4.61 4.68 4.66 4.49 68 5.30 5.16 4.68 4.80 4.78 4.57 69 5.46 5.29 4.75 4.94 4.91 4.64 70 5.63 5.44 4.81 5.08 5.05 4.72 71 5.81 5.59 4.87 5.23 5.19 4.79 72 6.01 5.74 4.93 5.40 5.34 4.86 73 6.22 5.91 4.98 5.57 5.50 4.93 74 6.45 6.08 5.03 5.77 5.67 4.99 75 6.70 6.25 5.08 ----------------------------------------------------------------------------- ---------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 + 2 1960-1969 - 3 1920-1929 + 1 1970-1979 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.