Common use of INCOME PROGRAM Clause in Contracts

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------- GMIB All Products issued prior to February 35.00 15, 2003 GMIB Plan codes BN2103, BN21M3, 45.00 CS5103, CS51M3, CS51R3, CS53R3, LS4103, LS4104,LS41M3, LS41R3, LS41R4, LS43R3, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB All other Products issued after 50.00 February 14,2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products, except Marquis 75.00 Portfolio GMIB Plus Marquis Portfolio 90.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------------------- ------------------------------------------------ ------------------- GMIB All Products issued sold prior to February 35.00 15, 35 2003 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS5103CS5203, CS51M345 CS52M3, CS51R3CS52R3, CS53R3CS53MR, LS4103LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 50 14, 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 75 2005 and before February 26, 2007. GMIB Plus All Products, except Marquis 75.00 Portfolio Portfolio, 80 sold on or after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio 90.00sold on or after May 95 1, 2007 and on or before February 20, 2009 GMIB Plus All Products, except Marquis 100 Portfolio, sold after February 20, 2009. GMIB Plus Marquis Portfolio sold after 115 February 20, 2009

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------------------- -------------------------------------------------- ------------------- GMIB All Products issued sold prior to February 35.00 15, 2003 35 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS5103CS5203, CS51M3CS52M3, CS51R345 CS52R3, CS53R3CS53MR, LS4103LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 14, 50 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products sold after April 30, 2005 and 75 before February 26, 2007. GMIB Plus All Products, except Marquis 75.00 Portfolio Portfolio, sold on or 80 after February 26, 2007. GMIB Plus Marquis Portfolio 90.00sold on or after May 1, 2007 95

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------- ---------------- -------------------------------------------------- -------------- GMIB All Products issued sold prior to February 35.00 15, 2003 35 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS5103CS5203, CS51M3CS52M3, CS51R345 CS52R3, CS53R3CS53MR, LS4103LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 14, 50 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and 75 before February 26, 2007. GMIB Plus All Products, except Marquis 75.00 Portfolio Portfolio, sold on or 80 after February 26, 2007. GMIB Plus Marquis Portfolio 90.00sold on or after May 1, 2007 95

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------- -------------- ---------------- -------------- GMIB All Products issued sold prior to February 35.00 15, 2003 35 GMIB and GMIB II Plan codes BN2103125080, BN21M3125090, 45.00 CS5103125180, CS51M3125190, CS51R345 1250A0, CS53R31250A1, LS41031250B0, LS4104,LS41M31250B1, LS41R31250C0, LS41R41250C1, LS43R31250D0, ST11031250D1, ST11M31250E0, ST11R31250E1, ST11X31250F0, ST13R31250F1, ST1AG41250L0, ST1AR41250L1, 1250P0, 1250P1, 1251A0, 1251B0, 1251F0, and ST1NA4 1251P0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 14, 50 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and 75 before February 26, 2007. GMIB Plus All ProductsProducts sold on or after February 26, except Marquis 75.00 Portfolio GMIB Plus Marquis Portfolio 90.0080 2007.

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------- -------------- ------------------------------- -------------- GMIB All Products issued prior to 35.00 February 35.00 15, 2003 GMIB Plan codes BN2103, BN21M3, 45.00 CS5103, CS51M3, CS51R3, CS53R3, LS4103, LS4104,LS41M3LS4104, LS41M3, LS41R3, LS41R4, LS43R3, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB All other Products issued after 50.00 February 14,2003 14, 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products, except Marquis 75.00 Portfolio GMIB Plus PLUS Marquis Portfolio 90.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------- ----------------------------- ------------------------------------------------ --------------------- GMIB All Products issued sold prior to February 35.00 15, 2003 35 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS5103CS5203, CS51M3CS52M3, CS51R345 CS52R3, CS53R3CS53MR, LS4103LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 14, 50 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and 75 before February 26, 2007. GMIB Plus All Products, except Marquis 75.00 Portfolio Portfolio, sold on 80 or after February 26, 2007. GMIB Plus Marquis Portfolio 90.00sold on or after May 1, 2007 95

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ---------------------------------- --------------------------------------------------------- ------------------- GMIB All Products issued prior to February 35.00 15, 2003 35.00 GMIB Plan codes BN2103, BN21M3, 45.00 CS5103, CS51M3, 45.00 CS51R3, CS53R3, LS4103, LS4104,LS41M3LS4104, LS41M3, LS41R3, LS41R4, LS43R3, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, ST1AG4, ST1AR4STlAR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB All other Products issued after February 14, 2003 50.00 February 14,2003 and before May 1, 2005 and for All Products sold after April 30, 2005 30,2005 GMIB Plus All Products, except Marquis Portfolio, sold on or 75.00 Portfolio before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 20, 2009 GMIB Plus Marquis Portfolio 90.00sold on or before February 20, 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 110.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------------------- ------------------------------------------------------------- ------------------- GMIB All Products issued sold prior to February 35.00 15, 2003 35 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS5103CS5203, CS51M3CS52M3, CS51R3CS52R3, CS53R3CS53MR, LS410345 LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 14, 2003 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and before 75 February 26, 2007. GMIB Plus All Products, except Marquis 75.00 Portfolio Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio 90.00sold on or after May 1, 2007 and on or 95 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 100 February 20, 2009. GMIB Plus Marquis Portfolio sold after February 20, 2009 115

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- --------------- ---------------------------------------------------------- ------------------- GMIB All Products issued prior to February 35.00 15, 2003 35.00 GMIB Plan codes BN2103, BN21M3, 45.00 CS5103, CS51M3, CS51R3▇▇▇▇▇▇, CS53R3▇▇▇▇▇▇, 45.00 LS4103, LS4104,LS41M3LS4104, LS41M3, LS41R3, LS41R4▇▇▇▇▇▇, LS43R3▇▇▇▇▇▇, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB All other Products issued after February 14, 2003 and 50.00 February 14,2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products, except Marquis Portfolio, sold on or before 75.00 Portfolio February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after 95.00 February 20, 2009 GMIB Plus Marquis Portfolio 90.00sold on or before February 20, 2009 90.00 GMIB Plus Marquis Portfolio sold after February 20, 2009 110.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------- -------------------------- --------------------------- --------------------- GMIB All Products issued sold prior to 35 February 35.00 15, 2003 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS510345 CS5203, CS51M3CS52M3, CS51R3CS52R3, CS53R3CS53MR, LS4103LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold 50 after 50.00 February 14,2003 14, 2003 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products sold after 75 April 30, 2005 and before February 26, 2007. GMIB Plus All Products, except 80 Marquis 75.00 Portfolio Portfolio, sold on or after February 26, 2007. GMIB Plus Marquis Portfolio 90.00sold on 95 or after May 1, 2007

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------------------- ------------------------------------------------ ------------------- GMIB All Products issued sold prior to February 35.00 15, 2003 35 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS5103CS5203, CS51M3CS52M3, CS51R345 CS52R3, CS53R3CS53MR, LS4103LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 14, 50 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and 75 before February 26, 2007. GMIB Plus All Products, except Marquis 75.00 Portfolio Portfolio, sold on 80 or after February 26, 2007. GMIB Plus Marquis Portfolio 90.00sold on or after May 1, 2007 95

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- --------------------------------- --------------------------------------------------------------- ------------------- GMIB All Products issued sold prior to February 35.00 15, 2003 35 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS5103CS5203, CS51M3CS52M3, CS51R3CS52R3, CS53R3CS53MR, LS410345 LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 14, 2003 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus All Products sold after April 30, 2005 and before February 75 26, 2007. GMIB Plus All Products, except Marquis 75.00 Portfolio Portfolio, sold on or 80 after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio 90.00sold on or after May 1, 2007 and on or 95 before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, sold after February 100 20, 2009. GMIB Plus Marquis Portfolio sold after February 20, 2009 115

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------- -------------- ---------------- ---------------- GMIB All Products issued sold prior to 35 February 35.00 15, 2003 GMIB and GMIB II Plan codes BN2103125080, BN21M3125090, 45.00 CS5103125180, CS51M345 125190, CS51R31250A0, CS53R31250A1, LS41031250B0, LS4104,LS41M31250B1, LS41R31250C0, LS41R41250C1, LS43R31250D0, ST11031250D1, ST11M31250E0, ST11R31250E1, ST11X31250F0, ST13R31250F1, ST1AG41250L0, ST1AR41250L1, 1250P0, 1250P1, 1251A0, 1251B0, 1251F0, and ST1NA4 1251P0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products issued sold after 50.00 50 February 14,2003 14, 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus: Forms All Products sold after April 30, 75 NEL-560-2 and NL-560-4 2005 and before February 26, 2007. GMIB Plus Plus: Forms All ProductsProducts sold on or after 80 NEL-560-2 and NL-560-4 February 26, except Marquis 75.00 Portfolio 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio 90.00Plus: Forms All Products sold after 100 NEL-560-2 and NL-560-4 February 20, 2009. GMIB Plus: Form All Products sold on or before 75 NL-560-5 (7/08) February 20, 2009 GMIB Plus: Form All Products sold after 95 NL-560-5 (7/08) February 20, 2009

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------------ -------------------------------------- ------------------------------- ------------------------------------------------ ------------------- GMIB All Products issued sold prior to February 35.00 15, 2003 35 GMIB and GMIB II Plan codes BN2103BN2203, BN21M3BN22M3, 45.00 CS5103CS5203, CS51M3CS52M3, CS51R345 CS52R3, CS53R3CS53MR, LS4103LS4203, LS4104,LS41M3LS4204, LS41R3LS42M3, LS41R4LS42R3, LS43R3LS42R4, ST1103▇▇▇▇▇▇, ST11M3▇▇▇▇▇▇, ST11R3▇▇▇▇▇▇, ST11X3▇▇▇▇▇▇, ST13R3, ST1AG4, ST1AR4▇▇▇▇▇▇, and ST1NA4 ST13MR sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products issued sold after 50.00 February 14,2003 14, 2003 50 and before May 1, 2005 and for All Products sold after April 30, 2005 GMIB Plus All Products sold after April 30, 2005 and 75 before February 26, 2007. GMIB Plus All Products, except Marquis 75.00 Portfolio Portfolio, sold on 80 or after February 26, 2007 and on or before February 20, 2009. GMIB Plus Marquis Portfolio 90.00sold on or after May 1, 2007 95 and on or before February 20, 2009 GMIB Plus All Products, except Marquis Portfolio, 100 sold after February 20, 2009. GMIB Plus Marquis Portfolio sold after February 20, 2009 115