Common use of Minimum Payment Clause in Contracts

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page 19 PRINTED IN U.S.A. B664R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. 18 SETTLEMENT PROVISIONS (CONTINUED) SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ---------------------------------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 --------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ---- --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 20 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------ 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS -- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND --------------------------------------------------------------------------- 35 $4.63 $4.62 $4.61 $4.60 $4.60 40 4.80 4.78 4.77 4.74 4.74 45 5.02 4.99 4.96 4.91 4.92 50 5.30 5.25 5.20 5.13 5.16 51 5.36 5.31 5.26 5.18 5.21 52 5.43 5.38 5.31 5.23 5.27 53 5.51 5.45 5.37 5.28 5.33 54 5.58 5.52 5.44 5.33 5.39 55 5.67 5.59 5.50 5.38 5.46 56 5.75 5.67 5.57 5.44 5.53 57 5.85 5.75 5.64 5.49 5.60 58 5.95 5.84 5.72 5.55 5.68 59 6.05 5.94 5.80 5.61 5.76 60 6.17 6.04 5.88 5.67 5.85 61 6.29 6.14 5.96 5.73 5.94 62 6.42 6.25 6.05 5.78 6.04 63 6.56 6.37 6.14 5.84 6.14 64 6.71 6.49 6.23 5.90 6.24 65 6.87 6.62 6.32 5.96 6.36 66 7.05 6.75 6.41 6.01 6.47 67 7.23 6.89 6.51 6.06 6.60 68 7.43 7.03 6.60 6.11 6.73 69 7.65 7.18 6.69 6.16 6.87 70 7.87 7.33 6.79 6.21 7.01 75 9.25 8.14 7.21 6.38 7.85 80 11.20 8.97 7.53 6.47 8.92 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ---- -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 22 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --------------------------------------------------------------------------------------------------------- 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ---- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 23 ANNUITY TABLES FOR VARIABLE

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. 18 SETTLEMENT PROVISIONS (CONTINUED) SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK -------------------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 --------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ---- --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 20 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------ 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS -- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND --------------------------------------------------------------------------- 35 $4.63 $4.62 $4.61 $4.60 $4.60 40 4.80 4.78 4.77 4.74 4.74 45 5.02 4.99 4.96 4.91 4.92 50 5.30 5.25 5.20 5.13 5.16 51 5.36 5.31 5.26 5.18 5.21 52 5.43 5.38 5.31 5.23 5.27 53 5.51 5.45 5.37 5.28 5.33 54 5.58 5.52 5.44 5.33 5.39 55 5.67 5.59 5.50 5.38 5.46 56 5.75 5.67 5.57 5.44 5.53 57 5.85 5.75 5.64 5.49 5.60 58 5.95 5.84 5.72 5.55 5.68 59 6.05 5.94 5.80 5.61 5.76 60 6.17 6.04 5.88 5.67 5.85 61 6.29 6.14 5.96 5.73 5.94 62 6.42 6.25 6.05 5.78 6.04 63 6.56 6.37 6.14 5.84 6.14 64 6.71 6.49 6.23 5.90 6.24 65 6.87 6.62 6.32 5.96 6.36 66 7.05 6.75 6.41 6.01 6.47 67 7.23 6.89 6.51 6.06 6.60 68 7.43 7.03 6.60 6.11 6.73 69 7.65 7.18 6.69 6.16 6.87 70 7.87 7.33 6.79 6.21 7.01 75 9.25 8.14 7.21 6.38 7.85 80 11.20 8.97 7.53 6.47 8.92 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ---- -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 22 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --------------------------------------------------------------------------------------------------------- 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ---- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 23 ANNUITY TABLES FOR VARIABLE PAYMENTS, BAS

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed Fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SETTLEMENT PROVISIONS (CONTINUED) FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Join t Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from form the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. 20 ANNUITY TABLES (CONTINUED) The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ----------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ---------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ----- --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 22 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ----------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ----------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ---------------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 10 $9.61 15 $6.87 20 $5.51 11 8.86 16 6.53 21 5.32 12 8.24 17 6.23 22 5.15 13 7.71 18 5.96 23 4.99 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 24 4.84 AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS ---- ---------------------------------------------------------------- 25 $4.71 30 $4.18 26 4.59 27 4.47 28 4.37 29 4.27 23 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST FIRST, SECOND, AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ----------------------------------------------------------------------------- 35 $4.63 $4.62 $4.61 $4.60 $4.60 40 4.80 4.78 4.77 4.74 4.74 45 5.02 4.99 4.96 4.91 4.92 50 5.30 5.25 5.20 5.13 5.16 51 5.36 5.31 5.26 5.18 5.21 52 5.43 5.38 5.31 5.23 5.27 53 5.51 5.45 5.37 5.28 5.33 54 5.58 5.52 5.44 5.33 5.39 55 5.67 5.59 5.50 5.38 5.46 56 5.75 5.67 5.57 5.44 5.53 57 5.85 5.75 5.64 5.49 5.60 58 5.95 5.84 5.72 5.55 5.68 59 6.05 5.94 5.80 5.61 5.76 60 6.17 6.04 5.88 5.67 5.85 61 6.29 6.14 5.96 5.73 5.94 62 6.42 6.25 6.05 5.78 6.04 63 6.56 6.37 6.14 5.84 6.14 64 6.71 6.49 6.23 5.90 6.24 65 6.87 6.62 6.32 5.96 6.36 66 7.05 6.75 6.41 6.01 6.47 67 7.23 6.89 6.51 6.06 6.60 68 7.43 7.03 6.60 6.11 6.73 69 7.65 7.18 6.69 6.16 6.87 70 7.87 7.33 6.79 6.21 7.01 75 9.25 8.14 7.21 6.38 7.85 80 11.20 8.97 7.53 6.47 8.92 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ------ -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 24 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------------ 10 $10.51 15 $7.82 20 $6.51 11 9.77 16 7.49 21 6.33 12 9.16 17 7.20 22 6.17 13 8.64 18 6.94 23 6.02 14 8.20 19 6.71 24 5.88 AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS ----- ------------------------------------------------------------------ 25 $5.76 30 $5.28 26 5.65 27 5.54 28 5.45 29 5.36 25 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A 6% ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent Annuity payments under a variable annuity are based on the inv

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. 16 SETTLEMENT PROVISIONS (CONTINUED) SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK -------------------------------------------------- Prior to 2005 2 years 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years (THIS PAGE INTENTIONALLY LEFT BLANK FOR OVERFLOW FROM PREVIOUS PAGE.) 18 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM MALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 --------------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------ ------------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 19 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ---------------------------------------------------------------------------------------------------- 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS -- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 20 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST FIRST, SECOND, AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM MALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND --------------------------------------------------------------------------- 35 $4.63 $4.62 $4.61 $4.60 $4.60 40 4.80 4.78 4.77 4.74 4.74 45 5.02 4.99 4.96 4.91 4.92 50 5.30 5.25 5.20 5.13 5.16 51 5.36 5.31 5.26 5.18 5.21 52 5.43 5.38 5.31 5.23 5.27 53 5.51 5.45 5.37 5.28 5.33 54 5.58 5.52 5.44 5.33 5.39 55 5.67 5.59 5.50 5.38 5.46 56 5.75 5.67 5.57 5.44 5.53 57 5.85 5.75 5.64 5.49 5.60 58 5.95 5.84 5.72 5.55 5.68 59 6.05 5.94 5.80 5.61 5.76 60 6.17 6.04 5.88 5.67 5.85 61 6.29 6.14 5.96 5.73 5.94 62 6.42 6.25 6.05 5.78 6.04 63 6.56 6.37 6.14 5.84 6.14 64 6.71 6.49 6.23 5.90 6.24 65 6.87 6.62 6.32 5.96 6.36 66 7.05 6.75 6.41 6.01 6.47 67 7.23 6.89 6.51 6.06 6.60 68 7.43 7.03 6.60 6.11 6.73 69 7.65 7.18 6.69 6.16 6.87 70 7.87 7.33 6.79 6.21 7.01 75 9.25 8.14 7.21 6.38 7.85 80 11.20 8.97 7.53 6.47 8.92 FEMALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ---- -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------ 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS - ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. 15 HL-VAXC03 Printed in U.S.A. B710R0.FRM SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed Fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Join t Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from form the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. 16 HL-VAXC03 Printed in U.S.A. B710R0.FRM Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: 17 HL-VAXC03 Printed in U.S.A. B710R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN HL-VAXC03 Printed in U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN (CONTINUED) B710R0.FRM FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page 19 PRINTED IN HL-VAXC03 Printed in U.S.A. B664R0.FRM B710R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST FIRST, SECOND, AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN HL-VAXC03 Printed in U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN (CONTINUED) B710R0.FRM FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. 16 SETTLEMENT PROVISIONS (CONTINUED) SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ---------------------------------------------------------------- Prior to 2005 2 years 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years (THIS PAGE INTENTIONALLY LEFT BLANK FOR OVERFLOW FROM PREVIOUS PAGE.) 18 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM MALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ----------------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 -------- ------------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 19 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 -------------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 -------- ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 -------------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 -------- ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ---------------------------------------------------------------------------------------------------- 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS -- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 20 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST FIRST, SECOND, AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM MALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND --------------------------------------------------------------------------- 35 $4.63 $4.62 $4.61 $4.60 $4.60 40 4.80 4.78 4.77 4.74 4.74 45 5.02 4.99 4.96 4.91 4.92 50 5.30 5.25 5.20 5.13 5.16 51 5.36 5.31 5.26 5.18 5.21 52 5.43 5.38 5.31 5.23 5.27 53 5.51 5.45 5.37 5.28 5.33 54 5.58 5.52 5.44 5.33 5.39 55 5.67 5.59 5.50 5.38 5.46 56 5.75 5.67 5.57 5.44 5.53 57 5.85 5.75 5.64 5.49 5.60 58 5.95 5.84 5.72 5.55 5.68 59 6.05 5.94 5.80 5.61 5.76 60 6.17 6.04 5.88 5.67 5.85 61 6.29 6.14 5.96 5.73 5.94 62 6.42 6.25 6.05 5.78 6.04 63 6.56 6.37 6.14 5.84 6.14 64 6.71 6.49 6.23 5.90 6.24 65 6.87 6.62 6.32 5.96 6.36 66 7.05 6.75 6.41 6.01 6.47 67 7.23 6.89 6.51 6.06 6.60 68 7.43 7.03 6.60 6.11 6.73 69 7.65 7.18 6.69 6.16 6.87 70 7.87 7.33 6.79 6.21 7.01 75 9.25 8.14 7.21 6.38 7.85 80 11.20 8.97 7.53 6.47 8.92 FEMALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ---- -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ----------------------------------------------------------------------------- 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ---------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------ 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS - ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 2

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period PERIOD selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. ASHARE03-14/15 Page 15 PRINTED IN U.S.A. B757.FRM FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Fixed Dollar Annuity payments will not vary and are guaranteed as to fixed dollar amount. The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 ASHARE03XD3 Page 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN (CONTINUED) B760R0.FRM FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 ASHARE03XD3 Page 19 PRINTED IN U.S.A. B664R0.FRM B761R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST FIRST, SECOND, AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 ASHARE03XD5 Page 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN (CONTINUED) B762R0.FRM FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. 18 SETTLEMENT PROVISIONS (CONTINUED) SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK -------------------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 --------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ---- --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 20 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------ 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS -- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ----------------------------------------------------------------------------- 35 $4.63 $4.62 $4.61 $4.60 $4.60 40 4.80 4.78 4.77 4.74 4.74 45 5.02 4.99 4.96 4.91 4.92 50 5.30 5.25 5.20 5.13 5.16 51 5.36 5.31 5.26 5.18 5.21 52 5.43 5.38 5.31 5.23 5.27 53 5.51 5.45 5.37 5.28 5.33 54 5.58 5.52 5.44 5.33 5.39 55 5.67 5.59 5.50 5.38 5.46 56 5.75 5.67 5.57 5.44 5.53 57 5.85 5.75 5.64 5.49 5.60 58 5.95 5.84 5.72 5.55 5.68 59 6.05 5.94 5.80 5.61 5.76 60 6.17 6.04 5.88 5.67 5.85 61 6.29 6.14 5.96 5.73 5.94 62 6.42 6.25 6.05 5.78 6.04 63 6.56 6.37 6.14 5.84 6.14 64 6.71 6.49 6.23 5.90 6.24 65 6.87 6.62 6.32 5.96 6.36 66 7.05 6.75 6.41 6.01 6.47 67 7.23 6.89 6.51 6.06 6.60 68 7.43 7.03 6.60 6.11 6.73 69 7.65 7.18 6.69 6.16 6.87 70 7.87 7.33 6.79 6.21 7.01 75 9.25 8.14 7.21 6.38 7.85 80 11.20 8.97 7.53 6.47 8.92 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ------ -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 22 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ---------------------------------------------------------------------------------------------------------- 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ----- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 23 ANNUITY TABLES FOR VARIABLE

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS ANNUITY TABLES (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ----------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ----------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------ --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 19 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ------ -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A 6% ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------------------------------------------------------ 35 $5.31 $5.30 $5.29 $5.27 40 5.46 5.45 5.43 5.40 45 5.67 5.64 5.60 5.56 50 5.94 5.89 5.83 5.75 51 6.00 5.94 5.88 5.80 52 6.07 6.00 5.93 5.84 53 6.14 6.07 5.99 5.89 54 6.22 6.14 6.05 5.94 55 6.30 6.21 6.11 5.99 56 6.38 6.28 6.18 6.04 57 6.47 6.36 6.24 6.09 58 6.57 6.45 6.32 6.14 5

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed Fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SETTLEMENT PROVISIONS (CONTINUED) FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Join t Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from form the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. 20 ANNUITY TABLES (CONTINUED) The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ---------------------------------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ---------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ----- --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 22 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 -------------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 -------- ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 -------------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 -------- ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 10 $9.61 15 $6.87 20 $5.51 11 8.86 16 6.53 21 5.32 12 8.24 17 6.23 22 5.15 13 7.71 18 5.96 23 4.99 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 24 4.84 AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS ---- ---------------------------------------------------------------- 25 $4.71 30 $4.18 26 4.59 27 4.47 28 4.37 29 4.27 23 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST FIRST, SECOND, AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ----------------------------------------------------------------------------- 35 $4.63 $4.62 $4.61 $4.60 $4.60 40 4.80 4.78 4.77 4.74 4.74 45 5.02 4.99 4.96 4.91 4.92 50 5.30 5.25 5.20 5.13 5.16 51 5.36 5.31 5.26 5.18 5.21 52 5.43 5.38 5.31 5.23 5.27 53 5.51 5.45 5.37 5.28 5.33 54 5.58 5.52 5.44 5.33 5.39 55 5.67 5.59 5.50 5.38 5.46 56 5.75 5.67 5.57 5.44 5.53 57 5.85 5.75 5.64 5.49 5.60 58 5.95 5.84 5.72 5.55 5.68 59 6.05 5.94 5.80 5.61 5.76 60 6.17 6.04 5.88 5.67 5.85 61 6.29 6.14 5.96 5.73 5.94 62 6.42 6.25 6.05 5.78 6.04 63 6.56 6.37 6.14 5.84 6.14 64 6.71 6.49 6.23 5.90 6.24 65 6.87 6.62 6.32 5.96 6.36 66 7.05 6.75 6.41 6.01 6.47 67 7.23 6.89 6.51 6.06 6.60 68 7.43 7.03 6.60 6.11 6.73 69 7.65 7.18 6.69 6.16 6.87 70 7.87 7.33 6.79 6.21 7.01 75 9.25 8.14 7.21 6.38 7.85 80 11.20 8.97 7.53 6.47 8.92 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ------ -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 24 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------------ 10 $10.51 15 $7.82 20 $6.51 11 9.77 16 7.49 21 6.33 12 9.16 17 7.20 22 6.17 13 8.64 18 6.94 23 6.02 14 8.20 19 6.71 24 5.88 AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS ----- ------------------------------------------------------------------ 25 $5.76 30 $5.28 26 5.65 27 5.54 28 5.45 29 5.36 25 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A 6% ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent Annuity payments under

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS ANNUITY TABLES (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ----------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ----------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------ --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 19 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ------ -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A 6% ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------------------------------------------------------ 35 $5.31 $5.30 $5.29 $5.27 40 5.46 5.45 5.43 5.40 45 5.67 5.64 5.60 5.56 50 5.94 5.89 5.83 5.75 51 6.00 5.94 5.88 5.80 52 6.07 6.00 5.93 5.84 53 6.14 6.07 5.99 5.89 54 6.22 6.14 6.05 5.94 55 6.30 6.21 6.11 5.99 56 6.38 6.28 6.18 6.04 57 6.47 6.36 6.24 6.09 58 6.57 6.45 6.32 6.1

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. 15 SETTLEMENT OPTIONS (CONTINUED) FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. ANNUITY TABLES (CONTINUED) The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ------------------------------------------ Prior to 2005 2 years 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Fixed Dollar Annuity payments will not vary and are guaranteed as to fixed dollar amount. The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ----------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------ --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 19 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST, SECOND, AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ------ -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 20 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A 5% ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A 6% ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------------------------------------------------------ 35 $5.31 $5.30 $5.29 $5.27 40 5.46 5.45 5.43 5.40 45 5.67 5.64 5.60 5.56 50 5.94 5.89 5.83 5.75 51 6.00 5.94 5.88 5.80 52 6.07 6.00 5.93 5.84 53 6.14 6.07 5.99 5.89 54 6.22 6.14 6.05 5.94

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. ASHARE03-14/15 Page 15 PRINTED IN U.S.A. B757.FRM SETTLEMENT OPTIONS (CONTINUED) FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. ANNUITY TABLES (CONTINUED) The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Fixed Dollar Annuity payments will not vary and are guaranteed as to fixed dollar amount. The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 ASHARE03XD3 Page 18 PRINTED IN U.S.A. B663R0.FRM B760R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 ASHARE03XD3 Page 19 PRINTED IN U.S.A. B664R0.FRM B761R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN.

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS ANNUITY TABLES (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ----------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ----------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------ --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ---------------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 19 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ---- -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ---------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ---------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------ 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A 6% ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------------------------------------------------------ 35 $5.31 $5.30 $5.29 $5.27 40 5.46 5.45 5.43 5.40 45 5.67 5.64 5.60 5.56 50 5.94 5.89 5.83 5.75 51 6.00 5.94 5.88 5.80 52 6.07 6.00 5.93 5.84 53 6.14 6.07 5.99 5.89 54 6.22 6.14 6.05 5.94 55 6.30 6.21 6.11 5.99 56 6.38 6.28 6.18 6.04 57 6.47 6.36 6.24 6.09 58 6.57 6.45 6.32

Minimum Payment. The No election of any options or combination of options may be made under this Certificate unless the first payment must for each affected Sub-Account or Fixed Account would be at least equal to the minimum payment amount according to Our Company rules then in effect. If at any time, payments to be made to any Annuitant from each Sub-Account or Fixed Account are or become less than the minimum payment amount, We the Company shall have the right to change the frequency of payment frequency to meet such intervals as will result in a payment at least equal to the minimum payment requirementsminimum. If any payment amount is due would be less than the minimum annual payment amountamount per annum, We the Company may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior such other settlement as may be equitable to the death of the Annuitant. There is no Death Benefit payable GROUP FLEXIBLE PREMIUM VARIABLE ANNUITY CERTIFICATE AMERICAN MATURITY LIFE INSURANCE COMPANY ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ (a stock life insurance company, herein called the "Company", or "We" or "Us") Certifies that a Group Flexible Premium Variable Annuity Contract has been issued to the Beneficiary under this Option. SECOND OPTION - Life AARP Group Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments madeTrust. This option Certificate is only available for fixed dollar annuity paymentsa summary of Your rights under that contract. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - YOUR RIGHT TO EXAMINE THIS CERTIFICATE: American Maturity Life Annuity Insurance Company wants You to be satisfied with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is livingCertificate You have purchased. We urge You to examine it carefully. If at for any reason You are not satisfied with it, You may cancel the death of Certificate by returning it within ten days after You receive it. A written request for cancellation must accompany the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the BeneficiaryCertificate. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity paymentsIn such event, We will use pay You the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on Certificate Value as of the date of receipt of Due Proof of DeathWe receive Your request. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during However, You bear the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment investment risk prior to the death of the survivorOur receiving Your request. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables Signed for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]Company ▇▇▇▇▇▇ ▇. The table for the Sixth Option is based on an Assumed Investment Return▇▇▇▇, President ▇▇▇▇▇ ▇▇▇▇▇▇, Secretary NONPARTICIPATING. The annuity tables for the First through Fifth variable annuity Options are age dependentTHIS ANNUITY DOES NOT EARN DIVIDENDS. For annuity payments beginning after 2000ALL PAYMENTS AND VALUES PROVIDED BY THIS CERTIFICATE, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: ANNUITY TABLES FOR VARIABLE PAYMENTS, WHEN BASED ON INVESTMENT EXPERIENCE OF A [3%] ASSUMED INVESTMENT RETURN AMOUNT SUB-ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO A FIXED DOLLAR AMOUNT. DETAILS OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amountTHE VARIABLE PROVISIONS ARE DESCRIBED UNDER THE VALUATION PROVISIONS, SECTION 4, PAGE 9. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page 19 PRINTED IN U.S.A. B664R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN AMOUNT TABLE OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCONTENTS SECTION PAGE

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. 15 SETTLEMENT OPTIONS (CONTINUED) FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. ANNUITY TABLES (CONTINUED) The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK --------------------------------------------- Prior to 2005 2 years 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Fixed Dollar Annuity payments will not vary and are guaranteed as to fixed dollar amount. The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ----------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ------ --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------- 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- -------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 19 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST FIRST, SECOND, AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ------- -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------------ 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS -------------------------------------------------------------------------------------------------------- 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A 6% ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ---------------------------------------------------- 35 $5.31 $5.30 $5.29 $5.27 40 5.46 5.45 5.43 5.40 45 5.67 5.64 5.60 5.56 50 5.94 5.89 5.83 5.75 51 6.00 5.94 5.88 5.80 52 6.07 6.00 5.93 5.84 53 6.14 6.07 5.99 5.89 54

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. 18 SETTLEMENT PROVISIONS (CONTINUED) SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: DATE OF FIRST PAYMENT AGE SETBACK ---------------------------------------------------------------- Prior to 2005 2 year 2005 - 2014 3 years 2015 - 2019 4 years 2020 - 2029 5 years 2030 - 2039 6 years 2040 or later 7 years ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 --------------------------------------------------- 35 $3.35 $3.35 $3.34 $3.33 40 3.54 3.53 3.52 3.50 45 3.78 3.76 3.74 3.71 50 4.08 4.05 4.01 3.95 51 4.15 4.12 4.07 4.01 52 4.23 4.19 4.14 4.06 53 4.30 4.26 4.20 4.12 54 4.38 4.34 4.27 4.18 55 4.47 4.42 4.35 4.24 56 4.56 4.50 4.42 4.30 57 4.66 4.59 4.50 4.37 58 4.76 4.68 4.58 4.43 59 4.87 4.78 4.67 4.50 60 4.98 4.89 4.76 4.56 61 5.11 5.00 4.85 4.63 62 5.24 5.11 4.94 4.69 63 5.38 5.23 5.04 4.76 64 5.54 5.36 5.13 4.83 65 5.70 5.50 5.23 4.89 66 5.87 5.63 5.34 4.95 67 6.06 5.78 5.44 5.01 68 6.25 5.93 5.54 5.07 69 6.46 6.08 5.64 5.12 70 6.69 6.24 5.74 5.17 75 8.05 7.10 6.21 5.36 80 9.97 7.97 6.56 5.47 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 ---- --------------------------------------------- 35 $3.18 $3.18 $3.18 $3.17 40 3.33 3.33 3.32 3.31 45 3.52 3.51 3.50 3.49 50 3.76 3.75 3.73 3.70 51 3.81 3.80 3.78 3.75 52 3.87 3.86 3.84 3.80 53 3.93 3.92 3.89 3.85 54 4.00 3.98 3.95 3.91 55 4.07 4.04 4.01 3.96 56 4.14 4.11 4.08 4.02 57 4.22 4.19 4.15 4.08 58 4.30 4.26 4.22 4.15 59 4.38 4.35 4.29 4.21 60 4.47 4.43 4.37 4.28 61 4.57 4.52 4.45 4.35 62 4.67 4.62 4.54 4.42 63 4.78 4.72 4.63 4.49 64 4.90 4.83 4.72 4.56 65 5.03 4.94 4.82 4.63 66 5.16 5.06 4.92 4.70 67 5.30 5.19 5.02 4.78 68 5.45 5.32 5.13 4.85 69 5.62 5.46 5.24 4.92 70 5.80 5.61 5.35 4.98 75 6.92 6.46 5.91 5.26 80 8.57 7.45 6.39 5.42 20 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.84 4.06 65 3.17 3.31 3.47 3.67 3.91 4.19 70 3.17 3.32 3.49 3.71 3.97 4.29 75 3.18 3.32 3.50 3.73 4.01 4.36 80 3.18 3.33 3.51 3.74 4.03 4.40 85 3.18 3.33 3.51 3.75 4.05 4.43 90 3.18 3.33 3.52 3.75 4.05 4.45 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ------------------------------------------------------------------------ 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.35 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.76 3.77 50 3.84 3.92 3.98 4.02 4.05 4.06 55 4.06 4.19 4.29 4.36 4.41 4.43 60 4.28 4.48 4.65 4.78 4.87 4.92 65 4.48 4.78 5.06 5.29 5.46 5.56 70 4.66 5.07 5.49 5.88 6.18 6.39 75 4.79 5.31 5.90 6.49 7.02 7.42 80 4.88 5.49 6.24 7.08 7.92 8.63 85 4.94 5.62 6.50 7.58 8.78 9.92 90 4.98 5.70 6.68 7.96 9.52 11.18 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ---------------------------------------------------------------------------------- 35 $3.04 $3.11 $3.16 $3.21 $3.25 $3.28 40 3.08 3.16 3.24 3.31 3.37 3.42 45 3.11 3.21 3.31 3.41 3.50 3.58 50 3.13 3.25 3.37 3.50 3.62 3.74 55 3.15 3.27 3.41 3.57 3.74 3.90 60 3.16 3.29 3.45 3.63 3.83 4.05 65 3.17 3.31 3.47 3.67 3.91 4.18 70 3.17 3.31 3.49 3.70 3.97 4.28 75 3.18 3.32 3.50 3.72 4.00 4.35 80 3.18 3.32 3.51 3.73 4.02 4.39 85 3.18 3.33 3.51 3.74 4.04 4.41 90 3.18 3.33 3.51 3.74 4.04 4.42 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ---- ----------------------------------------------------------------------- 35 $3.30 $3.32 $3.33 $3.34 $3.34 $3.34 40 3.46 3.49 3.51 3.52 3.53 3.53 45 3.64 3.69 3.72 3.74 3.75 3.76 50 3.84 3.92 3.97 4.01 4.03 4.05 55 4.05 4.18 4.28 4.35 4.39 4.40 60 4.27 4.47 4.64 4.76 4.83 4.86 65 4.48 4.77 5.04 5.24 5.38 5.45 70 4.65 5.05 5.45 5.79 6.02 6.16 75 4.77 5.27 5.82 6.32 6.71 6.94 80 4.86 5.43 6.10 6.79 7.35 7.70 85 4.90 5.53 6.30 7.12 7.85 8.33 90 4.93 5.58 6.40 7.32 8.16 8.74 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ------------------------------------------------------------------------------------------------------ 5 $17.91 10 $9.61 15 $6.87 6 15.14 11 8.86 16 6.53 7 13.16 12 8.24 17 6.23 8 11.68 13 7.71 18 5.96 9 10.53 14 7.26 19 PRINTED IN U.S.A. B664R0.FRM 5.73 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS -- ------------------------------------------------------------------------------------------------- 20 $5.51 25 $4.71 30 $4.18 21 5.32 26 4.59 22 5.15 27 4.47 23 4.99 28 4.37 24 4.84 29 4.27 21 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM MALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ----------------------------------------------------------------------------- 35 $4.63 $4.62 $4.61 $4.60 $4.60 40 4.80 4.78 4.77 4.74 4.74 45 5.02 4.99 4.96 4.91 4.92 50 5.30 5.25 5.20 5.13 5.16 51 5.36 5.31 5.26 5.18 5.21 52 5.43 5.38 5.31 5.23 5.27 53 5.51 5.45 5.37 5.28 5.33 54 5.58 5.52 5.44 5.33 5.39 55 5.67 5.59 5.50 5.38 5.46 56 5.75 5.67 5.57 5.44 5.53 57 5.85 5.75 5.64 5.49 5.60 58 5.95 5.84 5.72 5.55 5.68 59 6.05 5.94 5.80 5.61 5.76 60 6.17 6.04 5.88 5.67 5.85 61 6.29 6.14 5.96 5.73 5.94 62 6.42 6.25 6.05 5.78 6.04 63 6.56 6.37 6.14 5.84 6.14 64 6.71 6.49 6.23 5.90 6.24 65 6.87 6.62 6.32 5.96 6.36 66 7.05 6.75 6.41 6.01 6.47 67 7.23 6.89 6.51 6.06 6.60 68 7.43 7.03 6.60 6.11 6.73 69 7.65 7.18 6.69 6.16 6.87 70 7.87 7.33 6.79 6.21 7.01 75 9.25 8.14 7.21 6.38 7.85 80 11.20 8.97 7.53 6.47 8.92 FEMALE ANNUITANT MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND ------ -------------------------------------------------------------------- 35 $4.48 $4.48 $4.47 $4.47 $4.46 40 4.60 4.60 4.59 4.58 4.58 45 4.77 4.75 4.74 4.72 4.72 50 4.98 4.96 4.94 4.90 4.91 51 5.03 5.01 4.98 4.94 4.95 52 5.08 5.06 5.03 4.99 5.00 53 5.14 5.11 5.08 5.03 5.05 54 5.20 5.17 5.13 5.08 5.10 55 5.26 5.23 5.19 5.13 5.16 56 5.33 5.29 5.25 5.18 5.21 57 5.40 5.36 5.31 5.24 5.27 58 5.48 5.43 5.37 5.29 5.34 59 5.56 5.51 5.44 5.35 5.41 60 5.65 5.59 5.51 5.41 5.48 61 5.74 5.67 5.59 5.47 5.55 62 5.84 5.76 5.67 5.53 5.63 63 5.95 5.86 5.75 5.59 5.72 64 6.06 5.96 5.84 5.66 5.81 65 6.18 6.07 5.93 5.72 5.91 66 6.31 6.18 6.02 5.79 6.01 67 6.46 6.30 6.11 5.85 6.12 68 6.61 6.43 6.21 5.92 6.23 69 6.77 6.57 6.31 5.98 6.35 70 6.95 6.71 6.42 6.04 6.48 75 8.08 7.53 6.94 6.29 7.25 80 9.75 8.47 7.37 6.43 8.27 22 ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] % ASSUMED INVESTMENT RETURN (CONTINUED) FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.54 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.21 65 4.46 4.57 4.71 4.88 5.09 5.33 70 4.47 4.58 4.73 4.91 5.14 5.43 75 4.47 4.59 4.74 4.94 5.19 5.51 80 4.48 4.59 4.75 4.95 5.21 5.56 85 4.48 4.60 4.76 4.96 5.23 5.60 90 4.48 4.60 4.76 4.97 5.25 5.62 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ------------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.63 40 4.70 4.73 4.75 4.77 4.78 4.79 45 4.85 4.90 4.94 4.97 4.99 5.00 50 5.02 5.10 5.17 5.21 5.25 5.27 55 5.21 5.34 5.45 5.53 5.58 5.62 60 5.41 5.61 5.78 5.92 6.02 6.08 65 5.60 5.89 6.17 6.40 6.58 6.70 70 5.78 6.17 6.58 6.97 7.29 7.52 75 5.91 6.41 6.98 7.57 8.11 8.53 80 6.01 6.60 7.33 8.16 9.00 9.72 85 6.08 6.73 7.60 8.66 9.86 11.01 90 6.12 6.82 7.79 9.05 10.61 12.27 FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAINCERTAIN AGE OF AGE OF FEMALE MALE 35 40 45 50 55 60 ------------------------------------------------------------------------------------ 35 $4.35 $4.40 $4.44 $4.48 $4.52 $4.55 40 4.38 4.44 4.50 4.56 4.61 4.66 45 4.41 4.48 4.56 4.64 4.72 4.79 50 4.42 4.51 4.61 4.71 4.82 4.93 55 4.44 4.53 4.65 4.78 4.92 5.07 60 4.45 4.55 4.68 4.83 5.01 5.20 65 4.46 4.57 4.71 4.88 5.08 5.33 70 4.47 4.58 4.73 4.91 5.14 5.42 75 4.47 4.59 4.74 4.93 5.18 5.49 80 4.47 4.59 4.75 4.95 5.20 5.54 85 4.48 4.60 4.75 4.95 5.22 5.57 90 4.48 4.60 4.75 4.96 5.23 5.58 AGE OF AGE OF FEMALE MALE 65 70 75 80 85 90 ------ ----------------------------------------------------------------------- 35 $4.57 $4.59 $4.60 $4.61 $4.62 $4.62 40 4.70 4.73 4.75 4.77 4.78 4.78 45 4.85 4.90 4.93 4.96 4.98 4.99 50 5.02 5.10 5.16 5.20 5.23 5.24 55 5.21 5.33 5.44 5.51 5.55 5.58 60 5.41 5.60 5.76 5.89 5.97 6.01 65 5.60 5.88 6.14 6.35 6.49 6.57 70 5.76 6.14 6.52 6.86 7.10 7.24 75 5.89 6.36 6.88 7.37 7.75 7.98 80 5.97 6.52 7.16 7.82 8.36 8.70 85 6.03 6.62 7.35 8.14 8.83 9.29 90 6.05 6.68 7.46 8.34 9.13 9.68 SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ---------------------------------------------------------------------------------------------------------- 5 $18.74 10 $10.51 15 $7.82 6 15.99 11 9.77 16 7.49 7 14.02 12 9.16 17 7.20 8 12.56 13 8.64 18 6.94 9 11.42 14 8.20 19 6.71 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ----- ------------------------------------------------------------------------------------------------- 20 $6.51 25 $5.76 30 $5.28 21 6.33 26 5.65 22 6.17 27 5.54 23 6.02 28 5.45 24 5.88 29 5.36 23 ANNUITY TABLE

Minimum Payment. The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. NCDSC03-14/15 Page 14 PRINTED IN U.S.A. B691R0.FRM SETTLEMENT PROVISIONS (CONTINUED) ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. NCDSC03-14/15 Page 15 PRINTED IN U.S.A. B692R0.FRM ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: (THIS PAGE INTENTIONALLY LEFT BLANK FOR OVERFLOW FROM PREVIOUS PAGE.) ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 NCDSC03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM B695R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 NCDSC03SXD3 Page 19 PRINTED IN U.S.A. B664R0.FRM B696R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity Annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. B665R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN.