Common use of INCOME PROGRAM Clause in Contracts

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED POINTS) -------------- ---------------- -------------- GMIB All Products sold prior to February 15, 2003 35 GMIB and GMIB II Plan codes 125080, 125090, 125180, 125190, 45 1250A0, 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, 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 sold on or after February 26, 2007. 80

INCOME PROGRAM. REINSURANCE PREMIUM (BASIS INCOME PROGRAM PRODUCTS COVERED POINTS) -------------- ---------------- -------------- GMIB All Products sold prior to February 15, 2003 35 GMIB and GMIB II Plan codes 125080, 125090, 125180, 125190, 45 1250A0, 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 50 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus Plus: Forms All Products sold after April 30, 2005 and before 75 before NEL-560-2 and February 26, 2007. NL-560-4 GMIB Plus Plus: Forms All Products sold on or after February 26, 20072007 80 NEL-560-2 and and on or before February 20, 2009. 80NL-560-4 GMIB Plus: Forms All Products sold after February 20, 2009. 100 NEL-560-2 and NL-560-4 GMIB Plus: Form All Products sold on or before February 20, 2009 75 NL-560-5 (7/08) GMIB Plus: Form All Products sold after February 20, 2009 95 NL-560-5 (7/08)