Common use of INCOME PROGRAM Clause in Contracts

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) -------------- ---------------- --------------- GMIB All Products sold prior to February 15, 2003 35 GMIB and GMIB II Plan codes 125080, 125090, 125180, 125190, 1250A0, 45 1250A1, 1250B0, 1250B1, 1250C0, 1250C1, 1250D0, 1250D1, 1250E0, 1250E1, 1250F0, 1250F1, 1250L0, 1250L1, 1250P0, 1250P1, 1251A0, 1251B0, 1251F0, and 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 sold after February 14, 2003 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus: Forms All Products sold after April 30, 2005 and before 75 NEL-560-2 and NL- February 26, 2007, for which the contract's Income Base 560-4 is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after April 30, 2005 and before 100 NEL-560-2 and NL- February 26, 2007, for which the contract's Income Base 560-4 is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold on or after February 26, 2007 and on or 80 NEL-560-2 and NL- before February 20, 2009, for which the contract's 560-4 Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold on or after February 26, 2007 and on or 120 NEL-560-2 and NL- before February 20, 2009, for which the contract's 560-4 Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after February 20, 2009 and before 100 NEL-560-2 and NL- May 4, 2009, for which the contract's Income Base is not 560-4 increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after February 20, 2009 and before 120 NEL-560-2 and NL- May 4, 2009, for which the contract's Income Base is 560-4 increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) -------------- ---------------- --------------- GMIB Plus: Forms All Products sold on or after May 4, 2009. 100 NEL-560-2 and NL- 560-4 GMIB Plus: Form NL- All Products sold on or before February 20, 2009, 75 560-5 (7/08) for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Form NL- All Products sold on or before February 20, 2009, for 115 560-5 (7/08) which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Form All Products sold after February 20, 2009 and before 95 NL-560-5 (7/08) May 4, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Form All Products sold after February 20, 2009 and before 115 NL-560-5 (7/08) May 4, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Form NL All Products sold on or after May 4, 2009. 95 560-5 (7/08)

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) -------------- ---------------- --------------- ------------------------------ ------------------------------------------ -------------------- GMIB All Products sold prior to 35 February 15, 2003 35 GMIB and GMIB II Plan codes 125080BN2103, 125090CS5103, 125180, 125190, 1250A0CS51R3, 45 1250A1LS4103, 1250B0LS41R3, 1250B1LS4104, 1250C0LS41R4, 1250C1ST1103, 1250D0ST11R3, 1250D1ST11X3, 1250E0ST1AG4, 1250E1, 1250F0, 1250F1, 1250L0, 1250L1, 1250P0, 1250P1, 1251A0, 1251B0, 1251F0ST1AR4, and 1251P0 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 and GMIB II All other Products sold after February 14, 50 2003 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus: Forms Plus I All Products sold after April 30, 2005 and 75 before 75 NEL-560-2 and NL- February 26, 2007, for which the contract's Income Base 560-4 is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after April 30, 2005 and before 100 NEL-560-2 and NL- February 26, 2007, for which the contract's Income Base 560-4 is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold on or after February 26, 2007 and on or 80 NEL-560-2 and NL- before February 20, 2009, for which the contract's 560-4 Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold on or after February 26, 2007 and on or 120 NEL-560-2 and NL- before February 20, 2009, for which the contract's 560-4 Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after February 20, 2009 and before 100 NEL-560-2 and NL- May 4, 2009, for which the contract's Income Base is not 560-4 increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after February 20, 2009 and before 120 NEL-560-2 and NL- May 4, 2009, for which the contract's Income Base is 560-4 increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) -------------- ---------------- --------------- GMIB Plus: Forms All Products sold on or after May 4, 2009. 100 NEL-560-2 and NL- 560-4 GMIB Plus: Form NL- All Products sold on or before February 20, 2009, 75 560-5 (7/08) for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Form NL- Plus I All Products sold on or after April 30, 2005 and 100 before February 2026, 20092007, for 115 560-5 (7/08) which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Form Plus I and All Products sold on or after February 26, 80 GMIB Plus II 2007 and on or before February 20, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 26, 120 GMIB Plus II 2007 and on or before February 20, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 20, 100 GMIB Plus II 2009 and before 95 NL-560-5 (7/08) May 4, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Form Plus I and All Products sold on or after February 20, 120 GMIB Plus II 2009 and before 115 NL-560-5 (7/08) May 4, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Form NL Plus II and All Products sold on or after May 4, 2009. 95 560-5 (7/08)100 GMIB Plus III