Common use of Basic Premiums Clause in Contracts

Basic Premiums. The Company will pay to the Reinsurer a basic premium calculated by multiplying the Reinsured Net Amount at Risk of the Reinsured Policy, as defined in this Exhibit, by the appropriate rate from the 2015 VBT Select & Ultimate, Gender and Smoker distinct set of rates which have been included at the end of this Exhibit, subject to the percentages shown below. The Company will continue to pay the appropriate premium to the Reinsurer as long as the Reinsured Policy is in force. Accelerated underwriting follows the Company’s underwriting guidelines. Policies issued and classified as Accelerated Pass will use Accelerated Underwriting percentages. All other business submitted for Accelerated (failed and holdout) will use Full Underwriting percentages. The following percentages will be applied to the reinsurance premiums payable hereunder: 10 Year Male Preferred best Non-tob 0 % 85 59 55 10 Year Male Super Preferred Non-tob 0 % 92 64 62 10 Year Male Preferred Non-tob 0 % 104 79 77 10 Year Male Standard Non-tob 0 % 144 101 96 10 Year Male Preferred Tob 0 % 110 74 68 10 Year Male Standard Tob 0 % 136 89 82 10 Year Female Preferred best Non-tob 0 % 81 52 52 10 Year Female Super Preferred Non-tob 0 % 86 58 56 10 Year Female Preferred Non-tob 0 % 108 78 75 10 Year Female Standard Non-tob 0 % 137 95 91 10 Year Female Preferred Tob 0 % 98 78 72 10 Year Female Standard Tob 0 % 118 91 86 15 Year Male Preferred best Non-tob 0 % 68 52 52 15 Year Male Super Preferred Non-tob 0 % 75 56 57 15 Year Male Preferred Non-tob 0 % 85 67 72 15 Year Male Standard Non-tob 0 % 119 86 87 15 Year Male Preferred Tob 0 % 86 70 68 15 Year Male Standard Tob 0 % 111 82 80 15 Year Female Preferred best Non-tob 0 % 66 49 49 15 Year Female Super Preferred Non-tob 0 % 69 51 53 15 Year Female Preferred Non-tob 0 % 92 71 73 15 Year Female Standard Non-tob 0 % 117 83 84 15 Year Female Preferred Tob 0 % 80 71 70 15 Year Female Standard Tob 0 % 104 83 83 20 Year Male Preferred best Non-tob 0 % 60 47 47 20 Year Male Super Preferred Non-tob 0 % 68 55 57 20 Year Male Preferred Non-tob 0 % 76 65 71 20 Year Male Standard Non-tob 0 % 108 80 82 20 Year Male Preferred Tob 0 % 86 68 66 20 Year Male Standard Tob 0 % 110 80 78 20 Year Female Preferred best Non-tob 0 % 56 45 47 20 Year Female Super Preferred Non-tob 0 % 62 54 57 20 Year Female Preferred Non-tob 0 % 85 66 67 20 Year Female Standard Non-tob 0 % 108 80 82 20 Year Female Preferred Tob 0 % 79 70 68 20 Year Female Standard Tob 0 % 103 79 78 30 Year Male Preferred best Non-tob 0 % 56 54 51 30 Year Male Super Preferred Non-tob 0 % 60 58 55 30 Year Male Preferred Non-tob 0 % 71 69 66 30 Year Male Standard Non-tob 0 % 97 90 83 30 Year Male Preferred Tob 0 % 77 73 68 30 Year Male Standard Tob 0 % 95 88 80 30 Year Female Preferred best Non-tob 0 % 55 52 49 30 Year Female Super Preferred Non-tob 0 % 59 57 55 30 Year Female Preferred Non-tob 0 % 78 75 71 30 Year Female Standard Non-tob 0 % 97 91 84 30 Year Female Preferred Tob 0 % 75 73 71 30 Year Female Standard Tob 0 % 93 88 82 10 Year Male Preferred best Non-tob 0 % 74 56 52 10 Year Male Super Preferred Non-tob 0 % 82 57 55 10 Year Male Preferred Non-tob 0 % 89 71 70 10 Year Male Standard Non-tob 0 % 124 94 89 10 Year Male Preferred Tob 0 % 87 70 64 10 Year Male Standard Tob 0 % 107 84 77 10 Year Female Preferred best Non-tob 0 % 75 52 52 10 Year Female Super Preferred Non-tob 0 % 79 54 53 10 Year Female Preferred Non-tob 0 % 96 70 68 10 Year Female Standard Non-tob 0 % 120 85 81 10 Year Female Preferred Tob 0 % 84 70 65 10 Year Female Standard Tob 0 % 101 82 77 15 Year Male Preferred best Non-tob 0 % 61 48 48 15 Year Male Super Preferred Non-tob 0 % 70 55 55 15 Year Male Preferred Non-tob 0 % 76 59 64 15 Year Male Standard Non-tob 0 % 101 80 81 15 Year Male Preferred Tob 0 % 73 67 65 15 Year Male Standard Tob 0 % 94 80 78 15 Year Female Preferred best Non-tob 0 % 56 49 49 15 Year Female Super Preferred Non-tob 0 % 57 51 52 15 Year Female Preferred Non-tob 0 % 76 63 65 15 Year Female Standard Non-tob 0 % 96 80 80 15 Year Female Preferred Tob 0 % 69 66 65 15 Year Female Standard Tob 0 % 89 77 77 20 Year Male Preferred best Non-tob 0 % 55 46 47 20 Year Male Super Preferred Non-tob 0 % 63 49 51 20 Year Male Preferred Non-tob 0 % 70 56 63 20 Year Male Standard Non-tob 0 % 93 80 82 20 Year Male Preferred Tob 0 % 72 66 64 20 Year Male Standard Tob 0 % 93 80 78 20 Year Female Preferred best Non-tob 0 % 52 43 45 20 Year Female Super Preferred Non-tob 0 % 55 50 53 20 Year Female Preferred Non-tob 0 % 72 67 68 20 Year Female Standard Non-tob 0 % 91 77 79 20 Year Female Preferred Tob 0 % 69 66 64 20 Year Female Standard Tob 0 % 88 77 76 30 Year Male Preferred best Non-tob 0 % 52 51 50 30 Year Male Super Preferred Non-tob 0 % 57 56 54 30 Year Male Preferred Non-tob 0 % 66 64 62 30 Year Male Standard Non-tob 0 % 85 83 80 30 Year Male Preferred Tob 0 % 70 69 67 30 Year Male Standard Tob 0 % 86 83 80 30 Year Female Preferred best Non-tob 0 % 52 51 49 30 Year Female Super Preferred Non-tob 0 % 55 55 55 30 Year Female Preferred Non-tob 0 % 69 69 68 30 Year Female Standard Non-tob 0 % 87 84 80 30 Year Female Preferred Tob 0 % 68 67 66 30 Year Female Standard Tob 0 % 84 81 78 10 Year Male Preferred best Non-tob 0 % 71 57 53 10 Year Male Super Preferred Non-tob 0 % 80 60 57 10 Year Male Preferred Non-tob 0 % 92 76 72 10 Year Male Standard Non-tob 0 % 119 97 90 10 Year Male Preferred Tob 0 % 86 70 64 10 Year Male Standard Tob 0 % 103 85 77 10 Year Female Preferred best Non-tob 0 % 72 56 54 10 Year Female Super Preferred Non-tob 0 % 75 58 56 10 Year Female Preferred Non-tob 0 % 93 74 69 10 Year Female Standard Non-tob 0 % 114 89 83 10 Year Female Preferred Tob 0 % 82 71 65 10 Year Female Standard Tob 0 % 98 85 78 15 Year Male Preferred best Non-tob 0 % 61 48 48 15 Year Male Super Preferred Non-tob 0 % 68 55 55 15 Year Male Preferred Non-tob 0 % 78 64 66 15 Year Male Standard Non-tob 0 % 98 82 82 15 Year Male Preferred Tob 0 % 70 66 64 15 Year Male Standard Tob 0 % 86 78 77 15 Year Female Preferred best Non-tob 0 % 54 49 49 15 Year Female Super Preferred Non-tob 0 % 60 52 53 15 Year Female Preferred Non-tob 0 % 72 66 67 15 Year Female Standard Non-tob 0 % 89 81 81 15 Year Female Preferred Tob 0 % 67 66 65 15 Year Female Standard Tob 0 % 84 77 77 20 Year Male Preferred best Non-tob 0 % 55 47 47 20 Year Male Super Preferred Non-tob 0 % 63 52 53 20 Year Male Preferred Non-tob 0 % 71 62 65 20 Year Male Standard Non-tob 0 % 91 83 84 20 Year Male Preferred Tob 0 % 68 65 64 20 Year Male Standard Tob 0 % 85 78 77 20 Year Female Preferred best Non-tob 0 % 52 45 46 20 Year Female Super Preferred Non-tob 0 % 55 53 54 20 Year Female Preferred Non-tob 0 % 71 68 68 20 Year Female Standard Non-tob 0 % 88 79 80 20 Year Female Preferred Tob 0 % 66 65 63 20 Year Female Standard Tob 0 % 83 76 75 30 Year Male Preferred best Non-tob 0 % 52 52 52 30 Year Male Super Preferred Non-tob 0 % 57 57 57 30 Year Male Preferred Non-tob 0 % 67 67 67 30 Year Male Standard Non-tob 0 % 84 84 84 30 Year Male Preferred Tob 0 % 65 65 65 30 Year Male Standard Tob 0 % 80 80 80 30 Year Female Preferred best Non-tob 0 % 54 54 54 30 Year Female Super Preferred Non-tob 0 % 58 58 58 30 Year Female Preferred Non-tob 0 % 71 71 71 30 Year Female Standard Non-tob 0 % 87 87 87 30 Year Female Preferred Tob 0 % 64 64 64 10 Year Male Preferred best Non-tob 0 % 66 58 53 10 Year Male Super Preferred Non-tob 0 % 77 64 59 10 Year Male Preferred Non-tob 0 % 95 82 75 10 Year Male Standard Non-tob 0 % 114 100 92 10 Year Male Preferred Tob 0 % 84 71 65 10 Year Male Standard Tob 0 % 98 85 77 10 Year Female Preferred best Non-tob 0 % 68 61 56 10 Year Female Super Preferred Non-tob 0 % 73 63 58 10 Year Female Preferred Non-tob 0 % 91 78 71 10 Year Female Standard Non-tob 0 % 107 94 86 10 Year Female Preferred Tob 0 % 80 72 66 10 Year Female Standard Tob 0 % 95 87 79 15 Year Male Preferred best Non-tob 0 % 61 49 49 15 Year Male Super Preferred Non-tob 0 % 65 55 55 15 Year Male Preferred Non-tob 0 % 79 69 69 15 Year Male Standard Non-tob 0 % 93 83 83 15 Year Male Preferred Tob 0 % 67 63 63 15 Year Male Standard Tob 0 % 78 75 75 15 Year Female Preferred best Non-tob 0 % 53 49 49 15 Year Female Super Preferred Non-tob 0 % 61 54 54 15 Year Female Preferred Non-tob 0 % 68 68 68 15 Year Female Standard Non-tob 0 % 82 81 81 15 Year Female Preferred Tob 0 % 65 64 64 15 Year Female Standard Tob 0 % 77 76 76 20 Year Male Preferred best Non-tob 0 % 54 47 47 20 Year Male Super Preferred Non-tob 0 % 63 54 54 20 Year Male Preferred Non-tob 0 % 73 69 69 20 Year Male Standard Non-tob 0 % 89 85 85 20 Year Male Preferred Tob 0 % 63 63 63 20 Year Male Standard Tob 0 % 75 75 75 20 Year Female Preferred best Non-tob 0 % 51 46 46 20 Year Female Super Preferred Non-tob 0 % 55 55 55 20 Year Female Preferred Non-tob 0 % 69 69 69 20 Year Female Standard Non-tob 0 % 86 81 81 20 Year Female Preferred Tob 0 % 62 62 62 20 Year Female Standard Tob 0 % 74 74 74 30 Year Male Preferred best Non-tob 0 % 52 52 52 30 Year Male Super Preferred Non-tob 0 % 58 58 58 30 Year Male Preferred Non-tob 0 % 68 68 68 30 Year Male Standard Non-tob 0 % 84 84 84 30 Year Male Preferred Tob 0 % 60 60 60 30 Year Male Standard Tob 0 % 72 72 72 30 Year Female Preferred best Non-tob 0 % 57 57 57 30 Year Female Super Preferred Non-tob 0 % 59 59 59 30 Year Female Preferred Non-tob 0 % 71 71 71 30 Year Female Standard Non-tob 0 % 86 86 86 30 Year Female Preferred Tob 0 % 60 60 60 30 Year Female Standard Tob 0 % 73 73 73 10 Year Male Preferred best Non-tob 0 % 106 74 69 10 Year Male Super Preferred Non-tob 0 % 115 80 77 10 Year Male Preferred Non-tob 0 % 131 99 97 10 Year Male Standard Non-tob 0 % 158 111 106 10 Year Male Preferred Tob 0 % 121 82 76 10 Year Male Standard Tob 0 % 149 98 90 10 Year Female Preferred best Non-tob 0 % 93 60 59 10 Year Female Super Preferred Non-tob 0 % 99 67 65 10 Year Female Preferred Non-tob 0 % 124 90 86 10 Year Female Standard Non-tob 0 % 144 99 95 10 Year Female Preferred Tob 0 % 108 86 80 10 Year Female Standard Tob 0 % 131 99 95 15 Year Male Preferred best Non-tob 0 % 86 65 65 15 Year Male Super Preferred Non-tob 0 % 94 71 71 15 Year Male Preferred Non-tob 0 % 105 84 91 15 Year Male Standard Non-tob 0 % 131 94 95 15 Year Male Preferred Tob 0 % 95 76 74 15 Year Male Standard Tob 0 % 123 90 88 15 Year Female Preferred best Non-tob 0 % 75 56 56 15 Year Female Super Preferred Non-tob 0 % 80 58 61 15 Year Female Preferred Non-tob 0 % 106 81 84 15 Year Female Standard Non-tob 0 % 123 86 88 15 Year Female Preferred Tob 0 % 87 78 77 15 Year Female Standard Tob 0 % 114 91 91 20 Year Male Preferred best Non-tob 0 % 75 59 60 20 Year Male Super Preferred Non-tob 0 % 85 69 72 20 Year Male Preferred Non-tob 0 % 95 81 88 20 Year Male Standard Non-tob 0 % 119 88 91 20 Year Male Preferred Tob 0 % 94 74 73 20 Year Male Standard Tob 0 % 121 88 86 20 Year Female Preferred best Non-tob 0 % 65 52 54 20 Year Female Super Preferred Non-tob 0 % 71 62 66 20 Year Female Preferred Non-tob 0 % 98 76 77 20 Year Female Standard Non-tob 0 % 114 84 86 20 Year Female Preferred Tob 0 % 86 76 74 20 Year Female Standard Tob 0 % 114 86 86 30 Year Male Preferred best Non-tob 0 % 70 67 64 30 Year Male Super Preferred Non-tob 0 % 75 73 70 30 Year Male Preferred Non-tob 0 % 89 86 83 30 Year Male Standard Non-tob 0 % 107 99 91 30 Year Male Preferred Tob 0 % 84 79 74 30 Year Male Standard Tob 0 % 105 97 88 30 Year Female Preferred best Non-tob 0 % 64 60 56 30 Year Female Super Preferred Non-tob 0 % 68 66 63 30 Year Female Preferred Non-tob 0 % 90 86 82 30 Year Female Standard Non-tob 0 % 102 95 87 30 Year Female Preferred Tob 0 % 83 81 78 30 Year Female Standard Tob 0 % 102 96 90 10 Year Male Preferred best Non-tob 0 % 93 70 65 10 Year Male Super Preferred Non-tob 0 % 102 72 69 10 Year Male Preferred Non-tob 0 % 111 89 87 10 Year Male Standard Non-tob 0 % 137 103 98 10 Year Male Preferred Tob 0 % 96 77 71 10 Year Male Standard Tob 0 % 118 93 85 10 Year Female Preferred best Non-tob 0 % 87 60 59 10 Year Female Super Preferred Non-tob 0 % 91 62 60 10 Year Female Preferred Non-tob 0 % 110 81 78 10 Year Female Standard Non-tob 0 % 126 89 86 10 Year Female Preferred Tob 0 % 92 77 71 10 Year Female Standard Tob 0 % 111 90 85 15 Year Male Preferred best Non-tob 0 % 76 60 61 15 Year Male Super Preferred Non-tob 0 % 88 69 69 15 Year Male Preferred Non-tob 0 % 95 74 80 15 Year Male Standard Non-tob 0 % 111 88 90 15 Year Male Preferred Tob 0 % 81 73 71 15 Year Male Standard Tob 0 % 104 88 86 15 Year Female Preferred best Non-tob 0 % 65 56 56 15 Year Female Super Preferred Non-tob 0 % 66 58 60 15 Year Female Preferred Non-tob 0 % 87 72 75 15 Year Female Standard Non-tob 0 % 101 84 84 15 Year Female Preferred Tob 0 % 76 72 71 15 Year Female Standard Tob 0 % 98 85 84 20 Year Male Preferred best Non-tob 0 % 69 57 58 20 Year Male Super Preferred Non-tob 0 % 79 61 64 20 Year Male Preferred Non-tob 0 % 87 71 78 20 Year Male Standard Non-tob 0 % 102 88 91 20 Year Male Preferred Tob 0 % 80 72 71 20 Year Male Standard Tob 0 % 102 88 86 20 Year Female Preferred best Non-tob 0 % 59 50 51 20 Year Female Super Preferred Non-tob 0 % 64 57 61 20 Year Female Preferred Non-tob 0 % 84 77 78 20 Year Female Standard Non-tob 0 % 96 81 83 20 Year Female Preferred Tob 0 % 75 72 71 20 Year Female Standard Tob 0 % 97 85 83 30 Year Male Preferred best Non-tob 0 % 65 64 62 30 Year Male Super Preferred Non-tob 0 % 71 69 67 30 Year Male Preferred Non-tob 0 % 83 81 78 30 Year Male Standard Non-tob 0 % 94 91 88 30 Year Male Preferred Tob 0 % 77 75 73 30 Year Male Standard Tob 0 % 95 92 88 30 Year Female Preferred best Non-tob 0 % 60 58 56 30 Year Female Super Preferred Non-tob 0 % 64 64 63 30 Year Female Preferred Non-tob 0 % 79 79 78 30 Year Female Standard Non-tob 0 % 91 88 84 30 Year Female Preferred Tob 0 % 74 73 72 30 Year Female Standard Tob 0 % 92 89 86 10 Year Male Preferred best Non-tob 0 % 79 63 58 10 Year Male Super Preferred Non-tob 0 % 88 66 62 10 Year Male Preferred Non-tob 0 % 101 83 79 10 Year Male Standard Non-tob 0 % 132 106 99 10 Year Male Preferred Tob 0 % 94 77 71 10 Year Male Standard Tob 0 % 113 94 86 10 Year Female Preferred best Non-tob 0 % 80 62 59 10 Year Female Super Preferred Non-tob 0 % 83 64 60 10 Year Female Preferred Non-tob 0 % 102 81 76 10 Year Female Standard Non-tob 0 % 126 98 92 10 Year Female Preferred Tob 0 % 90 78 72 10 Year Female Standard Tob 0 % 108 94 86 15 Year Male Preferred best Non-tob 0 % 67 53 53 15 Year Male Super Preferred Non-tob 0 % 75 60 60 15 Year Male Preferred Non-tob 0 % 86 70 73 15 Year Male Standard Non-tob 0 % 107 90 91 15 Year Male Preferred Tob 0 % 77 72 71 15 Year Male Standard Tob 0 % 95 86 84 15 Year Female Preferred best Non-tob 0 % 60 54 54 15 Year Female Super Preferred Non-tob 0 % 65 57 58 15 Year Female Preferred Non-tob 0 % 79 73 74 15 Year Female Standard Non-tob 0 % 99 89 89 15 Year Female Preferred Tob 0 % 73 72 71 15 Year Female Standard Tob 0 % 92 85 84 20 Year Male Preferred best Non-tob 0 % 60 52 52 20 Year Male Super Preferred Non-tob 0 % 69 57 58 20 Year Male Preferred Non-tob 0 % 79 69 72 20 Year Male Standard Non-tob 0 % 101 91 92 20 Year Male Preferred Tob 0 % 74 71 71 20 Year Male Standard Tob 0 % 93 86 84 20 Year Female Preferred best Non-tob 0 % 57 49 50 20 Year Female Super Preferred Non-tob 0 % 61 58 59 20 Year Female Preferred Non-tob 0 % 77 75 75 20 Year Female Standard Non-tob 0 % 97 87 88 20 Year Female Preferred Tob 0 % 72 71 70 20 Year Female Standard Tob 0 % 91 84 83 30 Year Male Preferred best Non-tob 0 % 57 57 57 30 Year Male Super Preferred Non-tob 0 % 63 63 63 30 Year Male Preferred Non-tob 0 % 74 74 74 30 Year Male Standard Non-tob 0 % 93 93 93 30 Year Male Preferred Tob 0 % 72 72 72 30 Year Male Standard Tob 0 % 88 88 88 30 Year Female Preferred best Non-tob 0 % 59 59 59 30 Year Female Super Preferred Non-tob 0 % 63 63 63 30 Year Female Preferred Non-tob 0 % 77 77 77 30 Year Female Standard Non-tob 0 % 96 96 96 30 Year Female Preferred Tob 0 % 71 71 71 30 Year Female Standard Tob 0 % 86 86 86 Post Level Period YRT Rates: three hundred (300)% of the 2015 VBT ALB Select and Ultimate Gender and Smoker distinct table on a point-in-scale basis. Excluding policies that qualify for the Expanded Standard Rate Class described below, the Reinsurer shall receive its proportionate share of any extra premiums payable due to addit

Basic Premiums. The Company will pay to the Reinsurer a basic premium calculated by multiplying the Reinsured Net Amount at Risk of the Reinsured Policy, as defined in the Reinsured Amount At Risk provision of this Exhibit, by the appropriate percentage (shown below) of the appropriate rate from the 2015 VBT Select & Ultimate, Gender and Smoker distinct set of rates (“2015 VBT”) which have been included at the end of this Exhibit, subject to the percentages shown below. The Company will continue to pay the appropriate premium to the Reinsurer as long as the Reinsured Policy is in force. The following percentages will be applied to the 2015 VBT for the basic premiums payable hereunder: 10 Year Male Preferred best Non-tob 0 % 66.3 % 58.6 % 10 Year Male Super Preferred Non-tob 0 % 75.1 % 61.4 % 10 Year Male Preferred Non-tob 0 % 87.8 % 71.2 % 10 Year Male Standard Non-tob 0 % 117.7 % 97.4 % 10 Year Male Preferred Tob 0 % 77.6 % 65.6 % 10 Year Male Standard Tob 0 % 90.7 % 73.4 % 10 Year Female Preferred best Non-tob 0 % 66.8 % 57.9 % 10 Year Female Super Preferred Non-tob 0 % 71.5 % 59.8 % 10 Year Female Preferred Non-tob 0 % 80.8 % 67.2 % 10 Year Female Standard Non-tob 0 % 108.6 % 83.2 % 10 Year Female Preferred Tob 0 % 67.9 % 58.8 % 10 Year Female Standard Tob 0 % 87.5 % 67.3 % 15 Year Male Preferred best Non-tob 0 % 56.9 % 55.4 % 15 Year Male Super Preferred Non-tob 0 % 64.3 % 57.5 % 15 Year Male Preferred Non-tob 0 % 75.1 % 66.0 % 15 Year Male Standard Non-tob 0 % 100.6 % 88.2 % 15 Year Male Preferred Tob 0 % 69.5 % 63.6 % 15 Year Male Standard Tob 0 % 81.1 % 70.6 % 15 Year Female Preferred best Non-tob 0 % 58.9 % 55.8 % 15 Year Female Super Preferred Non-tob 0 % 62.9 % 57.1 % 15 Year Female Preferred Non-tob 0 % 70.9 % 63.5 % 15 Year Female Standard Non-tob 0 % 94.6 % 77.5 % 15 Year Female Preferred Tob 0 % 61.9 % 58.1 % 15 Year Female Standard Tob 0 % 79.4 % 66.0 % 20 Year Male Preferred best Non-tob 0 % 52.0 % 52.2 % 20 Year Male Super Preferred Non-tob 0 % 58.2 % 54.7 % 20 Year Male Preferred Non-tob 0 % 66.9 % 62.3 % 20 Year Male Standard Non-tob 0 % 88.0 % 79.7 % 20 Year Male Preferred Tob 0 % 64.6 % 61.8 % 20 Year Male Standard Tob 0 % 74.4 % 68.1 % 20 Year Female Preferred best Non-tob 0 % 54.2 % 54.2 % 20 Year Female Super Preferred Non-tob 0 % 57.6 % 55.6 % 20 Year Female Preferred Non-tob 0 % 64.4 % 61.4 % 20 Year Female Standard Non-tob 0 % 86.0 % 74.5 % 20 Year Female Preferred Tob 0 % 58.5 % 57.7 % 20 Year Female Standard Tob 0 % 74.2 % 65.6 % 30 Year Male Preferred best Non-tob 0 % 47.2 % 52.0 % 30 Year Male Super Preferred Non-tob 0 % 51.9 % 54.7 % 30 Year Male Preferred Non-tob 0 % 58.3 % 60.4 % 30 Year Male Standard Non-tob 0 % 76.0 % 72.9 % 30 Year Male Preferred Tob 0 % 59.3 % 61.5 % 30 Year Male Standard Tob 0 % 67.7 % 66.9 % 30 Year Female Preferred best Non-tob 0 % 50.2 % 55.7 % 30 Year Female Super Preferred Non-tob 0 % 52.8 % 57.4 % 30 Year Female Preferred Non-tob 0 % 58.6 % 62.1 % 30 Year Female Standard Non-tob 0 % 78.5 % 72.7 % 30 Year Female Preferred Tob 0 % 55.3 % 59.6 % 30 Year Female Standard Tob 0 % 69.3 % 66.6 % 10 Year Male Preferred best Non-tob 0 % 85.5 % 74.7 % 10 Year Male Super Preferred Non-tob 0 % 96.2 % 81.0 % 10 Year Male Preferred Non-tob 0 % 111.9 % 96.6 % 10 Year Male Standard Non-tob 0 % 149.6 % 130.1 % 10 Year Male Preferred Tob 0 % 98.7 % 87.8 % 10 Year Male Standard Tob 0 % 115.4 % 100.3 % 10 Year Female Preferred best Non-tob 0 % 76.3 % 65.2 % 10 Year Female Super Preferred Non-tob 0 % 81.4 % 68.9 % 10 Year Female Preferred Non-tob 0 % 91.9 % 78.5 % 10 Year Female Standard Non-tob 0 % 124.4 % 101.5 % 10 Year Female Preferred Tob 0 % 77.0 % 67.99 % 10 Year Female Standard Tob 0 % 99.0 % 80.8 % 15 Year Male Preferred best Non-tob 0 % 70.0 % 68.5 % 15 Year Male Super Preferred Non-tob 0 % 79.0 % 73.4 % 15 Year Male Preferred Non-tob 0 % 92.5 % 86.4 % 15 Year Male Standard Non-tob 0 % 124.0 % 114.5 % 15 Year Male Preferred Tob 0 % 85.5 % 82.6 % 15 Year Male Standard Tob 0 % 99.8 % 93.7 % 15 Year Female Preferred best Non-tob 0 % 65.0 % 61.3 % 15 Year Female Super Preferred Non-tob 0 % 68.4 % 64.1 % 15 Year Female Preferred Non-tob 0 % 78.4 % 72.4 % 15 Year Female Standard Non-tob 0 % 104.4 % 92.4 % 15 Year Female Preferred Tob 0 % 68.3 % 65.1 % 15 Year Female Standard Tob 0 % 87.5 % 76.8 % 20 Year Male Preferred best Non-tob 0 % 63.6 % 63.7 % 20 Year Male Super Preferred Non-tob 0 % 71.1 % 67.3 % 20 Year Male Preferred Non-tob 0 % 81.6 % 78.1 % 20 Year Male Standard Non-tob 0 % 107.3 % 101.0 % 20 Year Male Preferred Tob 0 % 78.7 % 78.5 % 20 Year Male Standard Tob 0 % 90.8 % 87.7 % 20 Year Female Preferred best Non-tob 0 % 59.5 % 58.7 % 20 Year Female Super Preferred Non-tob 0 % 63.2 % 60.7 % 20 Year Female Preferred Non-tob 0 % 70.7 % 67.8 % 20 Year Female Standard Non-tob 0 % 94.8 % 84.6 % 20 Year Female Preferred Tob 0 % 64.1 % 64.0 % 20 Year Female StandardTob 0 % 81.3 % 74.0 % 30 Year Male Preferred best Non-tob 0 % 57.2 % 63.0 % 30 Year Male Super Preferred Non-tob 0 % 62.4 % 66.4 % 30 Year Male Preferred Non-tob 0 % 69.8 % 73.6 % 30 Year Male Standard Non-tob 0 % 91.2 % 89.6 % 30 Year Male Preferred Tob 0 % 71.0 % 76.5 % 30 Year Male Standard Tob 0 % 81.3 % 83.8 % 30 Year Female Preferred best Non-tob 0 % 54.6 % 60.8 % 30 Year Female Super Preferred Non-tob 0 % 57.3 % 62.7 % 30 Year Female Preferred Non-tob 0 % 63.5 % 67.9 % 30 Year Female Standard Non-tob 0 % 86.5 % 78.8 % 30 Year Female Preferred Tob 0 % 59.8 % 65.9 % 30 Year Female Standard Tob 0 % 75.1 % 73.8 % Accelerated underwriting follows the Company’s underwriting guidelines. Policies issued and classified as Accelerated Pass will use Accelerated Underwriting percentagesYRT rates. All other business submitted for Accelerated (failed and holdout) will use Full Underwriting percentagesYRT rates. The following percentages will be applied to the reinsurance premiums payable hereunder: 10 Year Male Preferred best NonPost-tob 0 % 85 59 55 10 Year Male Super Preferred Non-tob 0 % 92 64 62 10 Year Male Preferred Non-tob 0 % 104 79 77 10 Year Male Standard Non-tob 0 % 144 101 96 10 Year Male Preferred Tob 0 % 110 74 68 10 Year Male Standard Tob 0 % 136 89 82 10 Year Female Preferred best Non-tob 0 % 81 52 52 10 Year Female Super Preferred Non-tob 0 % 86 58 56 10 Year Female Preferred Non-tob 0 % 108 78 75 10 Year Female Standard Non-tob 0 % 137 95 91 10 Year Female Preferred Tob 0 % 98 78 72 10 Year Female Standard Tob 0 % 118 91 86 15 Year Male Preferred best Non-tob 0 % 68 52 52 15 Year Male Super Preferred Non-tob 0 % 75 56 57 15 Year Male Preferred Non-tob 0 % 85 67 72 15 Year Male Standard Non-tob 0 % 119 86 87 15 Year Male Preferred Tob 0 % 86 70 68 15 Year Male Standard Tob 0 % 111 82 80 15 Year Female Preferred best Non-tob 0 % 66 49 49 15 Year Female Super Preferred Non-tob 0 % 69 51 53 15 Year Female Preferred Non-tob 0 % 92 71 73 15 Year Female Standard Non-tob 0 % 117 83 84 15 Year Female Preferred Tob 0 % 80 71 70 15 Year Female Standard Tob 0 % 104 83 83 20 Year Male Preferred best Non-tob 0 % 60 47 47 20 Year Male Super Preferred Non-tob 0 % 68 55 57 20 Year Male Preferred Non-tob 0 % 76 65 71 20 Year Male Standard Non-tob 0 % 108 80 82 20 Year Male Preferred Tob 0 % 86 68 66 20 Year Male Standard Tob 0 % 110 80 78 20 Year Female Preferred best Non-tob 0 % 56 45 47 20 Year Female Super Preferred Non-tob 0 % 62 54 57 20 Year Female Preferred Non-tob 0 % 85 66 67 20 Year Female Standard Non-tob 0 % 108 80 82 20 Year Female Preferred Tob 0 % 79 70 68 20 Year Female Standard Tob 0 % 103 79 78 30 Year Male Preferred best Non-tob 0 % 56 54 51 30 Year Male Super Preferred Non-tob 0 % 60 58 55 30 Year Male Preferred Non-tob 0 % 71 69 66 30 Year Male Standard Non-tob 0 % 97 90 83 30 Year Male Preferred Tob 0 % 77 73 68 30 Year Male Standard Tob 0 % 95 88 80 30 Year Female Preferred best Non-tob 0 % 55 52 49 30 Year Female Super Preferred Non-tob 0 % 59 57 55 30 Year Female Preferred Non-tob 0 % 78 75 71 30 Year Female Standard Non-tob 0 % 97 91 84 30 Year Female Preferred Tob 0 % 75 73 71 30 Year Female Standard Tob 0 % 93 88 82 10 Year Male Preferred best Non-tob 0 % 74 56 52 10 Year Male Super Preferred Non-tob 0 % 82 57 55 10 Year Male Preferred Non-tob 0 % 89 71 70 10 Year Male Standard Non-tob 0 % 124 94 89 10 Year Male Preferred Tob 0 % 87 70 64 10 Year Male Standard Tob 0 % 107 84 77 10 Year Female Preferred best Non-tob 0 % 75 52 52 10 Year Female Super Preferred Non-tob 0 % 79 54 53 10 Year Female Preferred Non-tob 0 % 96 70 68 10 Year Female Standard Non-tob 0 % 120 85 81 10 Year Female Preferred Tob 0 % 84 70 65 10 Year Female Standard Tob 0 % 101 82 77 15 Year Male Preferred best Non-tob 0 % 61 48 48 15 Year Male Super Preferred Non-tob 0 % 70 55 55 15 Year Male Preferred Non-tob 0 % 76 59 64 15 Year Male Standard Non-tob 0 % 101 80 81 15 Year Male Preferred Tob 0 % 73 67 65 15 Year Male Standard Tob 0 % 94 80 78 15 Year Female Preferred best Non-tob 0 % 56 49 49 15 Year Female Super Preferred Non-tob 0 % 57 51 52 15 Year Female Preferred Non-tob 0 % 76 63 65 15 Year Female Standard Non-tob 0 % 96 80 80 15 Year Female Preferred Tob 0 % 69 66 65 15 Year Female Standard Tob 0 % 89 77 77 20 Year Male Preferred best Non-tob 0 % 55 46 47 20 Year Male Super Preferred Non-tob 0 % 63 49 51 20 Year Male Preferred Non-tob 0 % 70 56 63 20 Year Male Standard Non-tob 0 % 93 80 82 20 Year Male Preferred Tob 0 % 72 66 64 20 Year Male Standard Tob 0 % 93 80 78 20 Year Female Preferred best Non-tob 0 % 52 43 45 20 Year Female Super Preferred Non-tob 0 % 55 50 53 20 Year Female Preferred Non-tob 0 % 72 67 68 20 Year Female Standard Non-tob 0 % 91 77 79 20 Year Female Preferred Tob 0 % 69 66 64 20 Year Female Standard Tob 0 % 88 77 76 30 Year Male Preferred best Non-tob 0 % 52 51 50 30 Year Male Super Preferred Non-tob 0 % 57 56 54 30 Year Male Preferred Non-tob 0 % 66 64 62 30 Year Male Standard Non-tob 0 % 85 83 80 30 Year Male Preferred Tob 0 % 70 69 67 30 Year Male Standard Tob 0 % 86 83 80 30 Year Female Preferred best Non-tob 0 % 52 51 49 30 Year Female Super Preferred Non-tob 0 % 55 55 55 30 Year Female Preferred Non-tob 0 % 69 69 68 30 Year Female Standard Non-tob 0 % 87 84 80 30 Year Female Preferred Tob 0 % 68 67 66 30 Year Female Standard Tob 0 % 84 81 78 10 Year Male Preferred best Non-tob 0 % 71 57 53 10 Year Male Super Preferred Non-tob 0 % 80 60 57 10 Year Male Preferred Non-tob 0 % 92 76 72 10 Year Male Standard Non-tob 0 % 119 97 90 10 Year Male Preferred Tob 0 % 86 70 64 10 Year Male Standard Tob 0 % 103 85 77 10 Year Female Preferred best Non-tob 0 % 72 56 54 10 Year Female Super Preferred Non-tob 0 % 75 58 56 10 Year Female Preferred Non-tob 0 % 93 74 69 10 Year Female Standard Non-tob 0 % 114 89 83 10 Year Female Preferred Tob 0 % 82 71 65 10 Year Female Standard Tob 0 % 98 85 78 15 Year Male Preferred best Non-tob 0 % 61 48 48 15 Year Male Super Preferred Non-tob 0 % 68 55 55 15 Year Male Preferred Non-tob 0 % 78 64 66 15 Year Male Standard Non-tob 0 % 98 82 82 15 Year Male Preferred Tob 0 % 70 66 64 15 Year Male Standard Tob 0 % 86 78 77 15 Year Female Preferred best Non-tob 0 % 54 49 49 15 Year Female Super Preferred Non-tob 0 % 60 52 53 15 Year Female Preferred Non-tob 0 % 72 66 67 15 Year Female Standard Non-tob 0 % 89 81 81 15 Year Female Preferred Tob 0 % 67 66 65 15 Year Female Standard Tob 0 % 84 77 77 20 Year Male Preferred best Non-tob 0 % 55 47 47 20 Year Male Super Preferred Non-tob 0 % 63 52 53 20 Year Male Preferred Non-tob 0 % 71 62 65 20 Year Male Standard Non-tob 0 % 91 83 84 20 Year Male Preferred Tob 0 % 68 65 64 20 Year Male Standard Tob 0 % 85 78 77 20 Year Female Preferred best Non-tob 0 % 52 45 46 20 Year Female Super Preferred Non-tob 0 % 55 53 54 20 Year Female Preferred Non-tob 0 % 71 68 68 20 Year Female Standard Non-tob 0 % 88 79 80 20 Year Female Preferred Tob 0 % 66 65 63 20 Year Female Standard Tob 0 % 83 76 75 30 Year Male Preferred best Non-tob 0 % 52 52 52 30 Year Male Super Preferred Non-tob 0 % 57 57 57 30 Year Male Preferred Non-tob 0 % 67 67 67 30 Year Male Standard Non-tob 0 % 84 84 84 30 Year Male Preferred Tob 0 % 65 65 65 30 Year Male Standard Tob 0 % 80 80 80 30 Year Female Preferred best Non-tob 0 % 54 54 54 30 Year Female Super Preferred Non-tob 0 % 58 58 58 30 Year Female Preferred Non-tob 0 % 71 71 71 30 Year Female Standard Non-tob 0 % 87 87 87 30 Year Female Preferred Tob 0 % 64 64 64 10 Year Male Preferred best Non-tob 0 % 66 58 53 10 Year Male Super Preferred Non-tob 0 % 77 64 59 10 Year Male Preferred Non-tob 0 % 95 82 75 10 Year Male Standard Non-tob 0 % 114 100 92 10 Year Male Preferred Tob 0 % 84 71 65 10 Year Male Standard Tob 0 % 98 85 77 10 Year Female Preferred best Non-tob 0 % 68 61 56 10 Year Female Super Preferred Non-tob 0 % 73 63 58 10 Year Female Preferred Non-tob 0 % 91 78 71 10 Year Female Standard Non-tob 0 % 107 94 86 10 Year Female Preferred Tob 0 % 80 72 66 10 Year Female Standard Tob 0 % 95 87 79 15 Year Male Preferred best Non-tob 0 % 61 49 49 15 Year Male Super Preferred Non-tob 0 % 65 55 55 15 Year Male Preferred Non-tob 0 % 79 69 69 15 Year Male Standard Non-tob 0 % 93 83 83 15 Year Male Preferred Tob 0 % 67 63 63 15 Year Male Standard Tob 0 % 78 75 75 15 Year Female Preferred best Non-tob 0 % 53 49 49 15 Year Female Super Preferred Non-tob 0 % 61 54 54 15 Year Female Preferred Non-tob 0 % 68 68 68 15 Year Female Standard Non-tob 0 % 82 81 81 15 Year Female Preferred Tob 0 % 65 64 64 15 Year Female Standard Tob 0 % 77 76 76 20 Year Male Preferred best Non-tob 0 % 54 47 47 20 Year Male Super Preferred Non-tob 0 % 63 54 54 20 Year Male Preferred Non-tob 0 % 73 69 69 20 Year Male Standard Non-tob 0 % 89 85 85 20 Year Male Preferred Tob 0 % 63 63 63 20 Year Male Standard Tob 0 % 75 75 75 20 Year Female Preferred best Non-tob 0 % 51 46 46 20 Year Female Super Preferred Non-tob 0 % 55 55 55 20 Year Female Preferred Non-tob 0 % 69 69 69 20 Year Female Standard Non-tob 0 % 86 81 81 20 Year Female Preferred Tob 0 % 62 62 62 20 Year Female Standard Tob 0 % 74 74 74 30 Year Male Preferred best Non-tob 0 % 52 52 52 30 Year Male Super Preferred Non-tob 0 % 58 58 58 30 Year Male Preferred Non-tob 0 % 68 68 68 30 Year Male Standard Non-tob 0 % 84 84 84 30 Year Male Preferred Tob 0 % 60 60 60 30 Year Male Standard Tob 0 % 72 72 72 30 Year Female Preferred best Non-tob 0 % 57 57 57 30 Year Female Super Preferred Non-tob 0 % 59 59 59 30 Year Female Preferred Non-tob 0 % 71 71 71 30 Year Female Standard Non-tob 0 % 86 86 86 30 Year Female Preferred Tob 0 % 60 60 60 30 Year Female Standard Tob 0 % 73 73 73 10 Year Male Preferred best Non-tob 0 % 106 74 69 10 Year Male Super Preferred Non-tob 0 % 115 80 77 10 Year Male Preferred Non-tob 0 % 131 99 97 10 Year Male Standard Non-tob 0 % 158 111 106 10 Year Male Preferred Tob 0 % 121 82 76 10 Year Male Standard Tob 0 % 149 98 90 10 Year Female Preferred best Non-tob 0 % 93 60 59 10 Year Female Super Preferred Non-tob 0 % 99 67 65 10 Year Female Preferred Non-tob 0 % 124 90 86 10 Year Female Standard Non-tob 0 % 144 99 95 10 Year Female Preferred Tob 0 % 108 86 80 10 Year Female Standard Tob 0 % 131 99 95 15 Year Male Preferred best Non-tob 0 % 86 65 65 15 Year Male Super Preferred Non-tob 0 % 94 71 71 15 Year Male Preferred Non-tob 0 % 105 84 91 15 Year Male Standard Non-tob 0 % 131 94 95 15 Year Male Preferred Tob 0 % 95 76 74 15 Year Male Standard Tob 0 % 123 90 88 15 Year Female Preferred best Non-tob 0 % 75 56 56 15 Year Female Super Preferred Non-tob 0 % 80 58 61 15 Year Female Preferred Non-tob 0 % 106 81 84 15 Year Female Standard Non-tob 0 % 123 86 88 15 Year Female Preferred Tob 0 % 87 78 77 15 Year Female Standard Tob 0 % 114 91 91 20 Year Male Preferred best Non-tob 0 % 75 59 60 20 Year Male Super Preferred Non-tob 0 % 85 69 72 20 Year Male Preferred Non-tob 0 % 95 81 88 20 Year Male Standard Non-tob 0 % 119 88 91 20 Year Male Preferred Tob 0 % 94 74 73 20 Year Male Standard Tob 0 % 121 88 86 20 Year Female Preferred best Non-tob 0 % 65 52 54 20 Year Female Super Preferred Non-tob 0 % 71 62 66 20 Year Female Preferred Non-tob 0 % 98 76 77 20 Year Female Standard Non-tob 0 % 114 84 86 20 Year Female Preferred Tob 0 % 86 76 74 20 Year Female Standard Tob 0 % 114 86 86 30 Year Male Preferred best Non-tob 0 % 70 67 64 30 Year Male Super Preferred Non-tob 0 % 75 73 70 30 Year Male Preferred Non-tob 0 % 89 86 83 30 Year Male Standard Non-tob 0 % 107 99 91 30 Year Male Preferred Tob 0 % 84 79 74 30 Year Male Standard Tob 0 % 105 97 88 30 Year Female Preferred best Non-tob 0 % 64 60 56 30 Year Female Super Preferred Non-tob 0 % 68 66 63 30 Year Female Preferred Non-tob 0 % 90 86 82 30 Year Female Standard Non-tob 0 % 102 95 87 30 Year Female Preferred Tob 0 % 83 81 78 30 Year Female Standard Tob 0 % 102 96 90 10 Year Male Preferred best Non-tob 0 % 93 70 65 10 Year Male Super Preferred Non-tob 0 % 102 72 69 10 Year Male Preferred Non-tob 0 % 111 89 87 10 Year Male Standard Non-tob 0 % 137 103 98 10 Year Male Preferred Tob 0 % 96 77 71 10 Year Male Standard Tob 0 % 118 93 85 10 Year Female Preferred best Non-tob 0 % 87 60 59 10 Year Female Super Preferred Non-tob 0 % 91 62 60 10 Year Female Preferred Non-tob 0 % 110 81 78 10 Year Female Standard Non-tob 0 % 126 89 86 10 Year Female Preferred Tob 0 % 92 77 71 10 Year Female Standard Tob 0 % 111 90 85 15 Year Male Preferred best Non-tob 0 % 76 60 61 15 Year Male Super Preferred Non-tob 0 % 88 69 69 15 Year Male Preferred Non-tob 0 % 95 74 80 15 Year Male Standard Non-tob 0 % 111 88 90 15 Year Male Preferred Tob 0 % 81 73 71 15 Year Male Standard Tob 0 % 104 88 86 15 Year Female Preferred best Non-tob 0 % 65 56 56 15 Year Female Super Preferred Non-tob 0 % 66 58 60 15 Year Female Preferred Non-tob 0 % 87 72 75 15 Year Female Standard Non-tob 0 % 101 84 84 15 Year Female Preferred Tob 0 % 76 72 71 15 Year Female Standard Tob 0 % 98 85 84 20 Year Male Preferred best Non-tob 0 % 69 57 58 20 Year Male Super Preferred Non-tob 0 % 79 61 64 20 Year Male Preferred Non-tob 0 % 87 71 78 20 Year Male Standard Non-tob 0 % 102 88 91 20 Year Male Preferred Tob 0 % 80 72 71 20 Year Male Standard Tob 0 % 102 88 86 20 Year Female Preferred best Non-tob 0 % 59 50 51 20 Year Female Super Preferred Non-tob 0 % 64 57 61 20 Year Female Preferred Non-tob 0 % 84 77 78 20 Year Female Standard Non-tob 0 % 96 81 83 20 Year Female Preferred Tob 0 % 75 72 71 20 Year Female Standard Tob 0 % 97 85 83 30 Year Male Preferred best Non-tob 0 % 65 64 62 30 Year Male Super Preferred Non-tob 0 % 71 69 67 30 Year Male Preferred Non-tob 0 % 83 81 78 30 Year Male Standard Non-tob 0 % 94 91 88 30 Year Male Preferred Tob 0 % 77 75 73 30 Year Male Standard Tob 0 % 95 92 88 30 Year Female Preferred best Non-tob 0 % 60 58 56 30 Year Female Super Preferred Non-tob 0 % 64 64 63 30 Year Female Preferred Non-tob 0 % 79 79 78 30 Year Female Standard Non-tob 0 % 91 88 84 30 Year Female Preferred Tob 0 % 74 73 72 30 Year Female Standard Tob 0 % 92 89 86 10 Year Male Preferred best Non-tob 0 % 79 63 58 10 Year Male Super Preferred Non-tob 0 % 88 66 62 10 Year Male Preferred Non-tob 0 % 101 83 79 10 Year Male Standard Non-tob 0 % 132 106 99 10 Year Male Preferred Tob 0 % 94 77 71 10 Year Male Standard Tob 0 % 113 94 86 10 Year Female Preferred best Non-tob 0 % 80 62 59 10 Year Female Super Preferred Non-tob 0 % 83 64 60 10 Year Female Preferred Non-tob 0 % 102 81 76 10 Year Female Standard Non-tob 0 % 126 98 92 10 Year Female Preferred Tob 0 % 90 78 72 10 Year Female Standard Tob 0 % 108 94 86 15 Year Male Preferred best Non-tob 0 % 67 53 53 15 Year Male Super Preferred Non-tob 0 % 75 60 60 15 Year Male Preferred Non-tob 0 % 86 70 73 15 Year Male Standard Non-tob 0 % 107 90 91 15 Year Male Preferred Tob 0 % 77 72 71 15 Year Male Standard Tob 0 % 95 86 84 15 Year Female Preferred best Non-tob 0 % 60 54 54 15 Year Female Super Preferred Non-tob 0 % 65 57 58 15 Year Female Preferred Non-tob 0 % 79 73 74 15 Year Female Standard Non-tob 0 % 99 89 89 15 Year Female Preferred Tob 0 % 73 72 71 15 Year Female Standard Tob 0 % 92 85 84 20 Year Male Preferred best Non-tob 0 % 60 52 52 20 Year Male Super Preferred Non-tob 0 % 69 57 58 20 Year Male Preferred Non-tob 0 % 79 69 72 20 Year Male Standard Non-tob 0 % 101 91 92 20 Year Male Preferred Tob 0 % 74 71 71 20 Year Male Standard Tob 0 % 93 86 84 20 Year Female Preferred best Non-tob 0 % 57 49 50 20 Year Female Super Preferred Non-tob 0 % 61 58 59 20 Year Female Preferred Non-tob 0 % 77 75 75 20 Year Female Standard Non-tob 0 % 97 87 88 20 Year Female Preferred Tob 0 % 72 71 70 20 Year Female Standard Tob 0 % 91 84 83 30 Year Male Preferred best Non-tob 0 % 57 57 57 30 Year Male Super Preferred Non-tob 0 % 63 63 63 30 Year Male Preferred Non-tob 0 % 74 74 74 30 Year Male Standard Non-tob 0 % 93 93 93 30 Year Male Preferred Tob 0 % 72 72 72 30 Year Male Standard Tob 0 % 88 88 88 30 Year Female Preferred best Non-tob 0 % 59 59 59 30 Year Female Super Preferred Non-tob 0 % 63 63 63 30 Year Female Preferred Non-tob 0 % 77 77 77 30 Year Female Standard Non-tob 0 % 96 96 96 30 Year Female Preferred Tob 0 % 71 71 71 30 Year Female Standard Tob 0 % 86 86 86 Post Level Term Period YRT Rates: three hundred (300)% 200% of the applicable 2015 VBT ALB Select and Ultimate Gender and Smoker distinct table on a point-in-scale basis. Excluding policies that qualify for the Expanded Standard Rate Class described below, the Reinsurer shall receive its proportionate share of any extra premiums payable due to addit.

Basic Premiums. The Company will pay to the Reinsurer a basic premium calculated by multiplying the Reinsured Net Amount net amount at Risk risk of the Reinsured Policy, as defined in the Net Amounts At Risk provision of this Exhibit, by the appropriate rate from the 2015 VBT Select & Ultimate, Gender and Smoker distinct set of rates which have been included at the end of this Exhibit, subject to the percentages shown below. Automatic reinsurance will use the percentages shown below for Full Underwriting or Accelerated Underwriting, whichever is applicable. Facultative reinsurance will use the percentages shown below for Full Underwriting. The Company will continue to pay the appropriate premium to the Reinsurer as long as the Reinsured Policy is in force. Accelerated underwriting follows the Company’s underwriting guidelines. Policies issued and classified as Accelerated Pass will use Accelerated Underwriting percentages. All other business submitted for Accelerated I2526854US-24 (failed and holdout01-01-2025) will use Full Underwriting percentages. (QT27458US24) 44 The following percentages will be applied to the reinsurance premiums payable hereunder: 10 Year Male Preferred best Non-tob 0 % 85 59 55 64 % 52 % 10 Year Male Super Preferred Non-tob 0 % 92 64 62 74 % 63 % 10 Year Male Preferred Non-tob 0 % 104 79 77 91 % 75 % 10 Year Male Standard Non-tob 0 % 144 101 96 122 % 94 % 10 Year Male Preferred Tob 0 % 110 74 68 % 62 % 10 Year Male Standard Tob 0 % 136 89 82 108 % 78 % 10 Year Female Preferred best Non-tob 0 % 81 52 52 60 % 54 % 10 Year Female Super Preferred Non-tob 0 % 86 58 56 69 % 64 % 10 Year Female Preferred Non-tob 0 % 108 78 83 % 75 % 10 Year Female Standard Non-tob 0 % 137 109 % 95 91 % 10 Year Female Preferred Tob 0 % 98 78 72 71 % 64 % 10 Year Female Standard Tob 0 % 118 91 86 102 % 87 % 15 Year Male Preferred best Non-tob 0 % 52 % 49 % 15 Year Male Super Preferred Non-tob 0 % 62 % 59 % 15 Year Male Preferred Non-tob 0 % 75 % 65 % 15 Year Male Standard Non-tob 0 % 97 % 85 % 15 Year Male Preferred Tob 0 % 64 % 59 % 15 Year Male Standard Tob 0 % 89 % 75 % 15 Year Female Preferred best Non-tob 0 % 51 % 51 % 15 Year Female Super Preferred Non-tob 0 % 60 % 60 % 15 Year Female Preferred Non-tob 0 % 71 % 69 % 15 Year Female Standard Non-tob 0 % 92 % 89 % 15 Year Female Preferred Tob 0 % 59 % 62 % 15 Year Female Standard Tob 0 % 89 % 86 % 20 Year Male Preferred best Non-tob 0 % 51 % 48 % 20 Year Male Super Preferred Non-tob 0 % 58 % 55 % 20 Year Male Preferred Non-tob 0 % 72 % 64 % 20 Year Male Standard Non-tob 0 % 91 % 82 % 20 Year Male Preferred Tob 0 % 65 % 63 % 20 Year Male Standard Tob 0 % 87 % 80 % 20 Year Female Preferred best Non-tob 0 % 49 % 49 % 20 Year Female Super Preferred Non-tob 0 % 56 % 57 % 20 Year Female Preferred Non-tob 0 % 68 % 65 % 20 Year Female Standard Non-tob 0 % 87 % 82 % 20 Year Female Preferred Tob 0 % 63 % 64 % 20 Year Female Standard Tob 0 % 93 % 89 % 30 Year Male Preferred best Non-tob 0 % 51 % 49 % 30 Year Male Super Preferred Non-tob 0 % 58 % 55 % 30 Year Male Preferred Non-tob 0 % 70 % 66 % 30 Year Male Standard Non-tob 0 % 86 % 79 % 30 Year Male Preferred Tob 0 % 70 % 71 % 30 Year Male Standard Tob 0 % 94 % 89 % 30 Year Female Preferred best Non-tob 0 % 49 % 52 52 % 30 Year Female Super Preferred Non-tob 0 % 58 % 55 % 30 Year Female Preferred Non-tob 0 % 69 % 66 % 30 Year Female Standard Non-tob 0 % 87 % 82 % 30 Year Female Preferred Tob 0 % 67 % 71 % 30 Year Female Standard Tob 0 % 99 % 101 % I2526854US-24 (01-01-2025) (QT27458US24) 45 10 Year Male Preferred best Non-tob 0 % 73 % 58 % 10 Year Male Super Preferred Non-tob 0 % 89 % 72 % 10 Year Male Preferred Non-tob 0 % 103 % 82 % 10 Year Male Standard Non-tob 0 % 140 % 107 % 10 Year Male Preferred Tob 0 % 75 % 61 % 10 Year Male Standard Tob 0 % 109 % 83 % 10 Year Female Preferred best Non-tob 0 % 62 % 51 % 10 Year Female Super Preferred Non-tob 0 % 78 % 61 % 10 Year Female Preferred Non-tob 0 % 87 % 70 % 10 Year Female Standard Non-tob 0 % 113 % 91 % 10 Year Female Preferred Tob 0 % 70 % 62 % 10 Year Female Standard Tob 0 % 102 % 91 % 15 Year Male Preferred best Non-tob 0 % 59 % 51 % 15 Year Male Super Preferred Non-tob 0 % 75 56 57 % 62 % 15 Year Male Preferred Non-tob 0 % 85 67 72 88 % 71 % 15 Year Male Standard Non-tob 0 % 119 86 87 15 Year Male Preferred Tob 0 111 % 86 70 68 15 Year Male Standard Tob 0 90 % 111 82 80 15 Year Female Preferred best Non-tob 0 % 66 49 49 15 Year Female Super Preferred Non-tob 0 % 69 51 53 15 Year Female Preferred Non-tob 0 % 92 71 73 15 Year Female Standard Non-tob 0 % 117 83 84 15 Year Female Preferred Tob 0 % 80 71 70 15 Year Female Standard Tob 0 % 104 83 83 20 Year Male Preferred best Non-tob 0 % 60 47 47 20 Year Male Super Preferred Non-tob 0 % 68 55 57 20 Year Male Preferred Non-tob 0 % 76 65 71 20 Year Male Standard Non-tob 0 % 108 80 82 20 Year Male Preferred Tob 0 % 86 68 66 20 Year Male Standard Tob 0 % 110 80 78 20 Year Female Preferred best Non-tob 0 % 56 45 47 20 Year Female Super Preferred Non-tob 0 % 62 54 57 20 Year Female Preferred Non-tob 0 % 85 66 67 20 Year Female Standard Non-tob 0 % 108 80 82 20 Year Female Preferred Tob 0 % 79 70 68 20 Year Female Standard Tob 0 % 103 79 78 30 Year Male Preferred best Non-tob 0 % 56 54 51 30 Year Male Super Preferred Non-tob 0 % 60 58 55 30 Year Male Preferred Non-tob 0 % 71 69 66 30 Year Male Standard Non-tob 0 % 97 90 83 30 Year Male Preferred Tob 0 % 77 73 68 30 Year Male Standard Tob 0 % 95 88 80 30 Year Female Preferred best Non-tob 0 % 55 52 49 30 Year Female Super Preferred Non-tob 0 % 59 57 55 30 Year Female Preferred Non-tob 0 % 78 75 71 30 Year Female Standard Non-tob 0 % 97 91 84 30 Year Female Preferred Tob 0 % 75 73 71 30 Year Female Standard Tob 0 % 93 88 82 10 Year Male Preferred best Non-tob 0 % 74 56 52 10 Year Male Super Preferred Non-tob 0 % 82 57 55 10 Year Male Preferred Non-tob 0 % 89 71 70 10 Year Male Standard Non-tob 0 % 124 94 89 10 Year Male Preferred Tob 0 % 87 70 64 10 Year Male Standard Tob 0 % 107 84 77 10 Year Female Preferred best Non-tob 0 % 75 52 52 10 Year Female Super Preferred Non-tob 0 % 79 54 53 10 Year Female Preferred Non-tob 0 % 96 70 68 10 Year Female Standard Non-tob 0 % 120 85 81 10 Year Female Preferred Tob 0 % 84 70 65 10 Year Female Standard Tob 0 % 101 82 77 15 Year Male Preferred best Non-tob 0 % 61 48 48 15 Year Male Super Preferred Non-tob 0 % 70 55 55 15 Year Male Preferred Non-tob 0 % 76 59 64 15 Year Male Standard Non-tob 0 % 101 80 81 15 Year Male Preferred Tob 0 % 73 67 65 15 Year Male Standard Tob 0 % 94 80 78 15 Year Female Preferred best Non-tob 0 % 56 49 49 15 Year Female Super Preferred Non-tob 0 % 57 51 52 15 Year Female Preferred Non-tob 0 % 76 63 65 15 Year Female Standard Non-tob 0 % 96 80 80 15 Year Female Preferred Tob 0 % 69 66 65 15 Year Female Standard Tob 0 % 89 77 77 20 Year Male Preferred best Non-tob 0 % 55 46 47 20 Year Male Super Preferred Non-tob 0 % 63 49 51 20 Year Male Preferred Non-tob 0 % 70 56 63 20 Year Male Standard Non-tob 0 % 93 80 82 20 Year Male Preferred Tob 0 % 72 66 64 20 Year Male Standard Tob 0 % 93 80 78 20 Year Female Preferred best Non-tob 0 % 52 43 45 20 Year Female Super Preferred Non-tob 0 % 55 50 53 20 Year Female Preferred Non-tob 0 % 72 67 68 20 Year Female Standard Non-tob 0 % 91 77 79 20 Year Female Preferred Tob 0 % 69 66 64 20 Year Female Standard Tob 0 % 88 77 76 30 Year Male Preferred best Non-tob 0 % 52 51 50 30 Year Male Super Preferred Non-tob 0 % 57 56 54 30 Year Male Preferred Non-tob 0 % 66 64 62 30 Year Male Standard Non-tob 0 % 85 83 80 30 Year Male Preferred Tob 0 % 70 69 67 30 Year Male Standard Tob 0 % 86 83 80 30 Year Female Preferred best Non-tob 0 % 52 51 49 30 Year Female Super Preferred Non-tob 0 % 55 55 55 30 Year Female Preferred Non-tob 0 % 69 69 68 30 Year Female Standard Non-tob 0 % 87 84 80 30 Year Female Preferred Tob 0 % 68 67 66 30 Year Female Standard Tob 0 % 84 81 78 10 Year Male Preferred best Non-tob 0 % 71 57 53 10 Year Male Super Preferred Non-tob 0 % 80 60 57 10 Year Male Preferred Non-tob 0 % 92 76 72 10 Year Male Standard Non-tob 0 % 119 97 90 10 Year Male Preferred Tob 0 % 86 70 64 10 Year Male Standard Tob 0 % 103 85 77 10 Year Female Preferred best Non-tob 0 % 72 56 54 10 Year Female Super Preferred Non-tob 0 % 75 58 56 10 Year Female Preferred Non-tob 0 % 93 74 69 10 Year Female Standard Non-tob 0 % 114 89 83 10 Year Female Preferred Tob 0 % 82 71 65 10 Year Female Standard Tob 0 % 98 85 78 15 Year Male Preferred best Non-tob 0 % 61 48 48 15 Year Male Super Preferred Non-tob 0 % 68 55 55 15 Year Male Preferred Non-tob 0 % 78 64 66 15 Year Male Standard Non-tob 0 % 98 82 82 15 Year Male Preferred Tob 0 % 70 66 64 15 Year Male Standard Tob 0 % 86 78 77 15 Year Female Preferred best Non-tob 0 % 54 49 49 15 Year Female Super Preferred Non-tob 0 % 60 52 53 15 Year Female Preferred Non-tob 0 % 72 66 67 15 Year Female Standard Non-tob 0 % 89 81 81 15 Year Female Preferred Tob 0 % 67 66 65 15 Year Female Standard Tob 0 % 84 77 77 20 Year Male Preferred best Non-tob 0 % 55 47 47 20 Year Male Super Preferred Non-tob 0 % 63 52 53 20 Year Male Preferred Non-tob 0 % 71 62 65 20 Year Male Standard Non-tob 0 % 91 83 84 20 Year Male Preferred Tob 0 % 68 65 64 20 Year Male Standard Tob 0 % 85 78 77 20 Year Female Preferred best Non-tob 0 % 52 45 46 20 Year Female Super Preferred Non-tob 0 % 55 53 54 20 Year Female Preferred Non-tob 0 % 71 68 68 20 Year Female Standard Non-tob 0 % 88 79 80 20 Year Female Preferred Tob 0 % 66 65 63 20 Year Female Standard Tob 0 % 83 76 75 30 Year Male Preferred best Non-tob 0 % 52 52 52 30 Year Male Super Preferred Non-tob 0 % 57 57 57 30 Year Male Preferred Non-tob 0 % 67 67 67 30 Year Male Standard Non-tob 0 % 84 84 84 30 Year Male Preferred Tob 0 % 65 65 65 30 Year Male Standard Tob 0 % 80 80 80 30 Year Female Preferred best Non-tob 0 % 54 54 54 30 Year Female Super Preferred Non-tob 0 % 58 58 58 30 Year Female Preferred Non-tob 0 % 71 71 71 30 Year Female Standard Non-tob 0 % 87 87 87 30 Year Female Preferred Tob 0 % 64 64 64 10 Year Male Preferred best Non-tob 0 % 66 58 53 10 Year Male Super Preferred Non-tob 0 % 77 64 59 10 Year Male Preferred Non-tob 0 % 95 82 75 10 Year Male Standard Non-tob 0 % 114 100 92 10 Year Male Preferred Tob 0 % 84 71 65 10 Year Male Standard Tob 0 % 98 85 77 10 Year Female Preferred best Non-tob 0 % 68 61 56 10 Year Female Super Preferred Non-tob 0 % 73 63 58 10 Year Female Preferred Non-tob 0 % 91 78 71 10 Year Female Standard Non-tob 0 % 107 94 86 10 Year Female Preferred Tob 0 % 80 72 66 10 Year Female Standard Tob 0 % 95 87 79 15 Year Male Preferred best Non-tob 0 % 61 49 49 15 Year Male Super Preferred Non-tob 0 % 65 55 55 15 Year Male Preferred Non-tob 0 % 79 69 69 15 Year Male Standard Non-tob 0 % 93 83 83 15 Year Male Preferred Tob 0 % 67 63 63 % 58 % 15 Year Male Standard Tob 0 % 78 75 75 91 % 74 % 15 Year Female Preferred best Non-tob 0 % 53 % 49 49 % 15 Year Female Super Preferred Non-tob 0 % 61 54 54 67 % 57 % 15 Year Female Preferred Non-tob 0 % 68 68 68 75 % 66 % 15 Year Female Standard Non-tob 0 % 82 81 81 95 % 85 % 15 Year Female Preferred Tob 0 % 65 64 64 60 % 58 % 15 Year Female Standard Tob 0 % 77 76 76 92 % 84 % 20 Year Male Preferred best Non-tob 0 % 54 47 47 58 % 50 % 20 Year Male Super Preferred Non-tob 0 % 63 54 54 71 % 60 % 20 Year Male Preferred Non-tob 0 % 73 69 69 83 % 70 % 20 Year Male Standard Non-tob 0 % 89 85 85 103 % 87 % 20 Year Male Preferred Tob 0 % 63 63 63 65 % 61 % 20 Year Male Standard Tob 0 % 75 75 75 90 % 79 % 20 Year Female Preferred best Non-tob 0 % 51 46 46 20 Year Female Super Preferred Non-tob 0 50 % 55 55 55 20 Year Female Preferred Non-tob 0 48 % 69 69 69 20 Year Female Standard Non-tob 0 % 86 81 81 20 Year Female Preferred Tob 0 % 62 62 62 20 Year Female Standard Tob 0 % 74 74 74 30 Year Male Preferred best Non-tob 0 % 52 52 52 30 Year Male Super Preferred Non-tob 0 % 58 58 58 30 Year Male Preferred Non-tob 0 % 68 68 68 30 Year Male Standard Non-tob 0 % 84 84 84 30 Year Male Preferred Tob 0 % 60 60 60 30 Year Male Standard Tob 0 % 72 72 72 30 Year Female Preferred best Non-tob 0 % 57 57 57 30 Year Female Super Preferred Non-tob 0 % 59 59 59 30 Year Female Preferred Non-tob 0 % 71 71 71 30 Year Female Standard Non-tob 0 % 86 86 86 30 Year Female Preferred Tob 0 % 60 60 60 30 Year Female Standard Tob 0 % 73 73 73 10 Year Male Preferred best Non-tob 0 % 106 74 69 10 Year Male Super Preferred Non-tob 0 % 115 80 77 10 Year Male Preferred Non-tob 0 % 131 99 97 10 Year Male Standard Non-tob 0 % 158 111 106 10 Year Male Preferred Tob 0 % 121 82 76 10 Year Male Standard Tob 0 % 149 98 90 10 Year Female Preferred best Non-tob 0 % 93 60 59 10 Year Female Super Preferred Non-tob 0 % 99 67 65 10 Year Female Preferred Non-tob 0 % 124 90 86 10 Year Female Standard Non-tob 0 % 144 99 95 10 Year Female Preferred Tob 0 % 108 86 80 10 Year Female Standard Tob 0 % 131 99 95 15 Year Male Preferred best Non-tob 0 % 86 65 65 15 Year Male Super Preferred Non-tob 0 % 94 71 71 15 Year Male Preferred Non-tob 0 % 105 84 91 15 Year Male Standard Non-tob 0 % 131 94 95 15 Year Male Preferred Tob 0 % 95 76 74 15 Year Male Standard Tob 0 % 123 90 88 15 Year Female Preferred best Non-tob 0 % 75 56 56 15 Year Female Super Preferred Non-tob 0 % 80 58 61 15 Year Female Preferred Non-tob 0 % 106 81 84 15 Year Female Standard Non-tob 0 % 123 86 88 15 Year Female Preferred Tob 0 % 87 78 77 15 Year Female Standard Tob 0 % 114 91 91 20 Year Male Preferred best Non-tob 0 % 75 59 60 20 Year Male Super Preferred Non-tob 0 % 85 69 72 20 Year Male Preferred Non-tob 0 % 95 81 88 20 Year Male Standard Non-tob 0 % 119 88 91 20 Year Male Preferred Tob 0 % 94 74 73 20 Year Male Standard Tob 0 % 121 88 86 20 Year Female Preferred best Non-tob 0 % 65 52 54 20 Year Female Super Preferred Non-tob 0 % 71 62 66 20 Year Female Preferred Non-tob 0 % 98 76 77 20 Year Female Standard Non-tob 0 % 114 84 86 20 Year Female Preferred Tob 0 % 86 76 74 20 Year Female Standard Tob 0 % 114 86 86 30 Year Male Preferred best Non-tob 0 % 70 67 64 30 Year Male Super Preferred Non-tob 0 % 75 73 70 30 Year Male Preferred Non-tob 0 % 89 86 83 30 Year Male Standard Non-tob 0 % 107 99 91 30 Year Male Preferred Tob 0 % 84 79 74 30 Year Male Standard Tob 0 % 105 97 88 30 Year Female Preferred best Non-tob 0 % 64 60 56 30 Year Female Super Preferred Non-tob 0 % 68 66 63 30 Year Female Preferred Non-tob 0 % 90 86 82 30 Year Female Standard Non-tob 0 % 102 95 87 30 Year Female Preferred Tob 0 % 83 81 78 30 Year Female Standard Tob 0 % 102 96 90 10 Year Male Preferred best Non-tob 0 % 93 70 65 10 Year Male Super Preferred Non-tob 0 % 102 72 69 10 Year Male Preferred Non-tob 0 % 111 89 87 10 Year Male Standard Non-tob 0 % 137 103 98 10 Year Male Preferred Tob 0 % 96 77 71 10 Year Male Standard Tob 0 % 118 93 85 10 Year Female Preferred best Non-tob 0 % 87 60 59 10 Year Female Super Preferred Non-tob 0 % 91 62 60 10 Year Female Preferred Non-tob 0 % 110 81 78 10 Year Female Standard Non-tob 0 % 126 89 86 10 Year Female Preferred Tob 0 % 92 77 71 10 Year Female Standard Tob 0 % 111 90 85 15 Year Male Preferred best Non-tob 0 % 76 60 61 15 Year Male Super Preferred Non-tob 0 % 88 69 69 15 Year Male Preferred Non-tob 0 % 95 74 80 15 Year Male Standard Non-tob 0 % 111 88 90 15 Year Male Preferred Tob 0 % 81 73 71 15 Year Male Standard Tob 0 % 104 88 86 15 Year Female Preferred best Non-tob 0 % 65 56 56 15 Year Female Super Preferred Non-tob 0 % 66 58 60 15 Year Female Preferred Non-tob 0 % 87 72 75 15 Year Female Standard Non-tob 0 % 101 84 84 15 Year Female Preferred Tob 0 % 76 72 71 15 Year Female Standard Tob 0 % 98 85 84 20 Year Male Preferred best Non-tob 0 % 69 57 58 20 Year Male Super Preferred Non-tob 0 % 79 61 64 20 Year Male Preferred Non-tob 0 % 87 71 78 20 Year Male Standard Non-tob 0 % 102 88 91 20 Year Male Preferred Tob 0 % 80 72 71 20 Year Male Standard Tob 0 % 102 88 86 20 Year Female Preferred best Non-tob 0 % 59 50 51 20 Year Female Super Preferred Non-tob 0 % 64 57 61 % 56 % 20 Year Female Preferred Non-tob 0 % 84 77 78 71 % 65 % 20 Year Female Standard Non-tob 0 % 96 81 89 % 83 % 20 Year Female Preferred Tob 0 % 75 72 71 20 Year Female Standard Tob 0 % 97 85 83 30 Year Male Preferred best Non-tob 0 % 65 64 62 30 Year Male Super Preferred Non-tob 0 % 71 69 67 30 Year Male Preferred Non-tob 0 % 83 81 78 30 Year Male Standard Non-tob 0 % 94 91 88 30 Year Male Preferred Tob 0 % 77 75 73 30 Year Male Standard Tob 0 % 95 92 88 30 Year Female Preferred best Non-tob 0 61 % 60 58 56 30 Year Female Super Preferred Non-tob 0 % 64 64 63 30 Year Female Preferred Non-tob 0 % 79 79 78 30 Year Female Standard Non-tob 0 % 91 88 84 30 Year Female Preferred Tob 0 % 74 73 72 30 Year Female Standard Tob 0 % 92 89 86 10 Year Male Preferred best Non-tob 0 % 79 63 58 10 Year Male Super Preferred Non-tob 0 % 88 66 62 10 Year Male Preferred Non-tob 0 % 101 83 79 10 Year Male Standard Non-tob 0 % 132 106 99 10 Year Male Preferred Tob 0 % 94 77 71 10 Year Male Standard Tob 0 % 113 94 86 10 Year Female Preferred best Non-tob 0 % 80 62 59 10 Year Female Super Preferred Non-tob 0 % 83 64 60 10 Year Female Preferred Non-tob 0 % 102 81 76 10 Year Female Standard Non-tob 0 % 126 98 92 10 Year Female Preferred Tob 0 % 90 78 72 10 Year Female Standard Tob 0 % 108 94 86 15 Year Male Preferred best Non-tob 0 % 67 53 53 15 Year Male Super Preferred Non-tob 0 % 75 60 60 15 Year Male Preferred Non-tob 0 % 86 70 73 15 Year Male Standard Non-tob 0 % 107 90 91 15 Year Male Preferred Tob 0 % 77 72 71 15 Year Male Standard Tob 0 % 95 86 84 15 Year Female Preferred best Non-tob 0 % 60 54 54 15 Year Female Super Preferred Non-tob 0 % 65 57 58 15 Year Female Preferred Non-tob 0 % 79 73 74 15 Year Female Standard Non-tob 0 % 99 89 89 15 Year Female Preferred Tob 0 % 73 72 71 15 Year Female Standard Tob 0 % 92 85 84 20 Year Male Preferred best Non-tob 0 % 60 52 52 20 Year Male Super Preferred Non-tob 0 % 69 57 58 20 Year Male Preferred Non-tob 0 % 79 69 72 20 Year Male Standard Non-tob 0 % 101 91 92 20 Year Male Preferred Tob 0 % 74 71 71 20 Year Male Standard Tob 0 % 93 86 84 20 Year Female Preferred best Non-tob 0 % 57 49 50 20 Year Female Super Preferred Non-tob 0 % 61 58 59 20 Year Female Preferred Non-tob 0 % 77 75 75 20 Year Female Standard Non-tob 0 % 97 87 88 20 Year Female Preferred Tob 0 % 72 71 70 20 Year Female Standard Tob 0 % 91 84 83 % 88 % 30 Year Male Preferred best Non-tob 0 % 57 57 57 % 54 % 30 Year Male Super Preferred Non-tob 0 % 70 % 63 63 63 % 30 Year Male Preferred Non-tob 0 % 74 74 74 79 % 72 % 30 Year Male Standard Non-tob 0 % 93 93 93 95 % 87 % 30 Year Male Preferred Tob 0 % 72 72 72 69 % 69 % 30 Year Male Standard Tob 0 % 88 88 88 97 % 89 % 30 Year Female Preferred best Non-tob 0 % 59 59 59 51 % 53 % 30 Year Female Super Preferred Non-tob 0 % 63 63 63 65 % 59 % 30 Year Female Preferred Non-tob 0 % 77 77 77 71 % 68 % 30 Year Female Standard Non-tob 0 % 96 96 96 88 % 85 % 30 Year Female Preferred Tob 0 % 71 71 71 66 % 68 % 30 Year Female Standard Tob 0 % 86 86 86 95 % 97 % I2526854US-24 (01-01-2025) (QT27458US24) 46 Accelerated underwriting follows the Company’s underwriting guidelines. Policies issued and classified as Accelerated Pass will use Accelerated Underwriting YRT rates applied. All other business submitted for Accelerated (failed and holdout) will use Full Underwriting YRT rates applied. Post Level Period YRT Rates: three hundred (300)% 375% of the 2015 VBT ALB Select and Ultimate Gender and Smoker distinct table on a point-in-scale basis. Excluding policies that qualify for the Expanded Standard Rate Class described below, the Reinsurer shall receive its proportionate share of any extra premiums payable due to addit.