Common use of Optional Benefits Clause in Contracts

Optional Benefits. Form Number* Policy Description 7360 Earnings Protection 7460 Premium Credit (2%) 7470 Death Benefit Option (Highest Anniversary Value) 7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007 7475 Death Benefit Option (5% Rollup) 7476 Death Benefit Option (4% Rollup) 7478 Death Benefit Option (Comb HAV and 5% Rollup) 7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007 7479 Death Benefit Option (Comb HAV and 4% Rollup) 7557 Death Benefit Option (5% Rollup) effective 10/6/2008 7559 Death Benefit Option (6% Rollup) effective 10/6/2008 7556 Death Benefit Option (HQV) effective 10/6/2008 7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7603 Death Benefit Option (HQV) effective 10/6/2008 7604 Death Benefit Option (5% Rollup) effective 10/6/2008 7605 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7606 Death Benefit Option (6% Rollup) effective 10/6/2008 7607 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7595 Death Benefit Option (HQV) effective 4/6/2009 7596 Death Benefit Option (5% Rollup) effective 4/6/2009 7598 Death Benefit Option (6% Rollup) effective 4/6/2009 7597 Death Benefit Option (Comb HQV and 5% Rollup) effective 4/6/2009 7599 Death Benefit Option (Comb HQV and 6% Rollup) effective 4/6/2009 Washington State Only 7471WA Death Benefit Option (3% Rollup) effective 10/4/2004 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7481WA Death Benefit Option (3% Rollup) effective 5/2/2005 7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005 7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007 7556AWA Death Benefit Option (HQV) effective 10/6/2008 7564AWA Death Benefit Option (3%) effective 10/6/2008 7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7603AWA Death Benefit Option (HQV) effective 10/6/2008 7610AWA Death Benefit Option (3% Rollup) effective 10/6/2008 7611AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7595AWA Death Benefit Option (HQV) effective 4/6/2009 7600AWA Death Benefit Option (3% Rollup) effective 4/6/2009 7601AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 4/6/2009 Retirement Latitudes · VA310 is an individual flexible premium variable and fixed annuity · VA310G is a group flexible premium variable and fixed annuity

Optional Benefits. Form Number* Policy Description 7360 Earnings Protection 7460 Premium Credit (2%) 7470 Benefit effective 10/4/2004 7461 Death Benefit Option (Highest Anniversary Value4% Rollup) 7512 effective 10/4/2004 7476 Death Benefit Option (Highest Anniversary Value4% Rollup) effective 1/16/2007 5/2/2005 7463 Death Benefit Option (5% Rollup) effective 10/4/2004 7475 Death Benefit Option (5% Rollup) 7476 effective 5/2/2005 7470 Death Benefit Option (HAV) effective 10/4/2004 7512 Death Benefit Option (HAV) effective 1/16/2007 7462 Death Benefit Option (Comb HAV and 4% Rollup) effective 10/4/2004 7479 Death Benefit Option (Comb HAV and 4% Rollup) effective 5/2/2005 7464 Death Benefit Option (Comb HAV and 5% Rollup) effective 10/4/2004 7478 Death Benefit Option (Comb HAV and 5% Rollup) effective 5/2/2005 7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007 7479 Death Benefit Option (Comb HAV and 4% Rollup) 7557 Death Benefit Option (5% Rollup) effective 10/6/2008 7559 Death Benefit Option (6% Rollup) effective 10/6/2008 7556 Death Benefit Option (HQV) effective 10/6/2008 7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7603 Death Benefit Option (HQV) effective 10/6/2008 7604 Death Benefit Option (5% Rollup) effective 10/6/2008 7605 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7606 Death Benefit Option (6% Rollup) effective 10/6/2008 7607 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7595 Death Benefit Option (HQV) effective 4/6/2009 7596 Death Benefit Option (5% Rollup) effective 4/6/2009 7598 Death Benefit Option (6% Rollup) effective 4/6/2009 7597 Death Benefit Option (Comb HQV and 5% Rollup) effective 4/6/2009 7599 Death Benefit Option (Comb HQV and 6% Rollup) effective 4/6/2009 7349 20% Additional Free Withdrawal 7465 Shortened W/D Charge Period (5 years) effective 10/4/2004 7466 Shortened W/D Charge Period (3 years) effective 10/4/2004 - not available for contracts issued after 4/30/2006 7346 03/03 Premium Credit (4%) 7348 03/03 Premium Credit (2%) 7352 03/03 Premium Credit (3%) 7507 Premium Credit (5%) 7380 Reduced Administration Charge 7536 Reduced Administration Charge endorsement effective 9/28/2009 Washington State Only 7471WA Death Benefit Option (3% Rollup) effective 10/4/2004 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7481WA Death Benefit Option (3% Rollup) effective 5/2/2005 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005 7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007 7556AWA Death Benefit Option (HQV) effective 10/6/2008 7564AWA Death Benefit Option (3%% Rollup) effective 10/6/2008 7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7603AWA Death Benefit Option (HQV) effective 10/6/2008 7610AWA Death Benefit Option (3% Rollup) effective 10/6/2008 7611AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7595AWA Death Benefit Option (HQV) effective 4/6/2009 7600AWA Death Benefit Option (3% Rollup) effective 4/6/2009 7601AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 4/6/2009 Retirement Latitudes Perspective A Series · VA310 VA230 is an individual flexible premium variable and fixed annuity · VA310VA230G is a group flexible premium variable and fixed annuity

Optional Benefits. Form Number* Policy Description 7360 Earnings Protection 7460 Premium Credit 7474 Death Benefit Option (2%Return of Premium) 7470 7475 Death Benefit Option (5% Rollup) 7476 Death Benefit Option (4% Rollup) 7477 Death Benefit Option (Highest Anniversary Value) 7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007 7475 Death Benefit Option (5% Rollup) 7476 Death Benefit Option (4% Rollup) 7478 Death Benefit Option (Comb HAV and 5% Rollup) 7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007 7479 Death Benefit Option (Comb HAV and 4% Rollup) 7557 Death Benefit Option (5% Rollup) effective 10/6/2008 7559 Death Benefit Option (6% Rollup) effective 10/6/2008 7556 Death Benefit Option (HQV) effective 10/6/2008 7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7603 Death Benefit Option (HQV) effective 10/6/2008 7604 Death Benefit Option (5% Rollup) effective 10/6/2008 7605 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7606 Death Benefit Option (6% Rollup) effective 10/6/2008 7607 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7595 Death Benefit Option (HQV) effective 4/6/2009 7596 Death Benefit Option (5% Rollup) effective 4/6/2009 7598 Death Benefit Option (6% Rollup) effective 4/6/2009 7597 Death Benefit Option (Comb HQV and 5% Rollup) effective 4/6/2009 7599 Death Benefit Option (Comb HQV and 6% Rollup) effective 4/6/2009 7507 Premium Credit (5%) 7536 Reduced Administration Charge endorsement effective 9/28/2009 Washington State Only 7471WA Death Benefit Option (3% Rollup) effective 10/4/2004 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7481WA Death Benefit Option (3% Rollup) effective 5/2/2005 7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005 7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007 7556AWA Death Benefit Option (HQV) effective 10/6/2008 7564AWA Death Benefit Option (3%) effective 10/6/2008 7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7603AWA Death Benefit Option (HQV) effective 10/6/2008 7610AWA Death Benefit Option (3% Rollup) effective 10/6/2008 7611AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7595AWA Death Benefit Option (HQV) effective 4/6/2009 7600AWA Death Benefit Option (3% Rollup) effective 4/6/2009 7601AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 4/6/2009 Retirement Latitudes Perspective L Series · VA310 VA210 is an individual flexible premium variable and fixed annuity · VA310VA210G is a group flexible premium variable and fixed annuity

Optional Benefits. Form Number* Policy Description 7360 Earnings Protection 7460 7346 03/03 Premium Credit (4%) 7348 03/03 Premium Credit (2%) 7352 03/03 Premium Credit (3%) 7507 Premium Credit (5%) 7360 Earnings Protection 7380 Reduced Administration Charge 7470 Death Benefit Option (Highest Anniversary Value) 7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007 7475 Death Benefit Option (5% Rollup) 7476 Death Benefit Option (4% Rollup) 7478 Death Benefit Option (Comb HAV and 5% Rollup) 7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007 7479 Death Benefit Option (Comb HAV and 4% Rollup) 7557 Death Benefit Option (5% Rollup) effective 10/6/2008 7559 Death Benefit Option (6% Rollup) effective 10/6/2008 7556 Death Benefit Option (HQV) effective 10/6/2008 7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7603 Death Benefit Option (HQV) effective 10/6/2008 7604 Death Benefit Option (5% Rollup) effective 10/6/2008 7605 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7606 Death Benefit Option (6% Rollup) effective 10/6/2008 7607 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7595 Death Benefit Option (HQV) effective 4/6/2009 7596 Death Benefit Option (5% Rollup) effective 4/6/2009 7598 Death Benefit Option (6% Rollup) effective 4/6/2009 7597 Death Benefit Option (Comb HQV and 5% Rollup) effective 4/6/2009 7599 Death Benefit Option (Comb HQV and 6% Rollup) effective 4/6/2009 7536 Reduced Administration Charge endorsement effective 9/28/2009 Washington State Only 7471WA Death Benefit Option (3% Rollup) effective 10/4/2004 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7481WA Death Benefit Option (3% Rollup) effective 5/2/2005 7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005 7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007 7556AWA Death Benefit Option (HQV) effective 10/6/2008 7564AWA Death Benefit Option (3%) effective 10/6/2008 7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7603AWA Death Benefit Option (HQV) effective 10/6/2008 7610AWA Death Benefit Option (3% Rollup) effective 10/6/2008 7611AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7595AWA Death Benefit Option (HQV) effective 4/6/2009 7600AWA Death Benefit Option (3% Rollup) effective 4/6/2009 7601AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 4/6/2009 Retirement Latitudes Perspective Advisors II · VA310 VA410 is an individual flexible premium variable and fixed annuity · VA310VA410G is a group flexible premium variable and fixed annuity

Optional Benefits. Form Number* Policy Description 7500 Additional Free Withdrawal Option (20% of Premium) 7360 Earnings Protection 7460 Premium Credit (2%) 7470 Death Benefit Option (Highest Anniversary Value) 7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007 7475 Death Benefit Option (5% Rollup) 7476 Death Benefit Option (4% Rollup) 7478 Death Benefit Option (Comb HAV and 5% Rollup) 7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007 7479 Death Benefit Option (Comb HAV and 4% Rollup) 7557 Death Benefit Option (5% Rollup) effective 10/6/2008 7559 Death Benefit Option (6% Rollup) effective 10/6/2008 7556 Death Benefit Option (HQV) effective 10/6/2008 7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7603 Death Benefit Option (HQV) effective 10/6/2008 7604 Death Benefit Option (5% Rollup) effective 10/6/2008 7605 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7606 Death Benefit Option (6% Rollup) effective 10/6/2008 7607 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7595 Death Benefit Option (HQV) effective 4/6/2009 7596 Death Benefit Option (5% Rollup) effective 4/6/2009 7598 Death Benefit Option (6% Rollup) effective 4/6/2009 7597 Death Benefit Option (Comb HQV and 5% Rollup) effective 4/6/2009 7599 Death Benefit Option (Comb HQV and 6% Rollup) effective 4/6/2009 4/6/20097346 03/03 Premium Credit (4%) 7507 Premium Credit (5%), effective 1/16/2007 7380 Reduced Administration Charge 7499 Shorten Withdrawal Charge Period to 4 Years 7536 Reduced Administration Charge endorsement effective 9/28/2009 Washington State Only 7471WA Death Benefit Option (3% Rollup) effective 10/4/2004 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7481WA Death Benefit Option (3% Rollup) effective 5/2/2005 7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005 7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007 7556AWA Death Benefit Option (HQV) effective 10/6/2008 7564AWA Death Benefit Option (3%) effective 10/6/2008 7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7603AWA Death Benefit Option (HQV) effective 10/6/2008 7610AWA Death Benefit Option (3% Rollup) effective 10/6/2008 7611AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7595AWA Death Benefit Option (HQV) effective 4/6/2009 7600AWA Death Benefit Option (3% Rollup) effective 4/6/2009 7601AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 4/6/2009 * Includes any state specific variation of the above-described forms as of the EFFECTIVE DATE and any subsequent state specific variation, if such subsequent state specific variation does not have any impact on the risk assumed by the REINSURER. The CEDING COMPANY shall notify the REINSURER of any state specific variation after the EFFECTIVE DATE which could have any impact on the risk assumed by the REINSURER and such variation shall be treated the same as a policy form change under Article IV, Section B, provided that the REINSURER shall not unreasonably refuse to approve such subsequent state specific variation. JNL ACE 2005 Treaty Schedule B-1 Amendment # 14 SCHEDULE B-2 Subaccounts Subject to this Reinsurance Agreement Fund Name Comment Product Availability JNL/AIM International Growth Fund Named changed from JNL/Pxxxxx International Equity Fund effective 5/2/05 and from JNL/JPM International Equity Fund effective 12/3/2007 All JNL/AIM Large Cap Growth Fund All JNL/AIM Global Real Estate Fund New 5/2/05, Name changed from JNL/AIM Real Estate Fund effective 10/6/2008 All JNL/AIM Small Cap Growth Fund All JNL/Capital Guardian Global Balanced Fund Name changed from JNL/FMR Balanced Fund effective 4/30/2007 and from JNL/FI Balanced Fund effective 12/3/2007 All JNL/Capital Guardian Global Diversified Research Fund Name changed from JNL/Select Global Growth Fund effective 12/3/2007 All JNL/Capital Guardian International Small Cap Fund New 12/3/2007 All JNL/Capital Guardian U.S. Growth Equity Fund Name changed from JNL/Select Large Cap Growth Fund effective 12/3/2007 All JNL/Credit Suisse Commodity Securities Fund New 1/16/2007 – Name changed from JNL/Credit Suisse Global Natural Resources effective 9/28/2009 All JNL/Credit Suisse Long/Short New 1/16/2007 All JNL/Eagle Core Equity Fund All JNL/Eagle Small Cap Equity Fund All JNL/Franklin Txxxxxxxx Founding Strategy New 1/16/2007 All JNL/Franklin Txxxxxxxx Global Growth New 1/16/2007 All JNL/Franklin Txxxxxxxx Income Fund New 5/1/2006 All JNL/Franklin Txxxxxxxx Mutual Shares New 1/16/2007 All JNL/Franklin Txxxxxxxx Small Cap Value Fund New 5/2/05 All JNL/Gxxxxxx Sachs Core Plus Bond Fund Name changed from JNL/Salomon Brothers Strategic Bond Fund effective 5/1/2006, from JNL/Western Strategic Bond Fund effective 1/16/2007, and from JNL/Western Asset Strategic Bond Fund effective 4/30/2007. All JNL/Gxxxxxx Sxxxx Emerging Markets Debt Fund New 10/6/2008 All JNL/Gxxxxxx Sachs Mid Cap Value Fund New 5/2/05 All JNL/T. Xxxx Price Short Term Bond Fund New 5/1/2006 – Name changed from JNL/Gxxxxxx Sachs Duration Bond Fund effective 9/28/2009 All JNL Institutional Alt 20 New 4/6/2009 All but Retirement Latitudes · VA310 is an individual flexible premium variable JNL Institutional Alt 35 New 4/6/2009 All but Retirement Latitudes JNL Institutional Alt 50 New 4/6/2009 All but Retirement Latitudes JNL Institutional Alt 65 New 4/6/2009 All but Retirement Latitudes JNL/Ivy Asset Strategy New 9/28/2009 All but Retirement Latitudes JNL/JPMorgan International Value Fund All JNL/JPMorgan Mid-Cap Growth Fund Name changed from JNL/FMR Capital Growth Fund effective 5/1/2006, from JNL/FMR Mid-Cap Equity Fund effective 4/30/2007, and fixed annuity · VA310G is a group flexible premium variable from JNL/FI Mid-Cap Equity Fund effective 12/3/2007. Also, JNL/Pxxxxx Mid-Cap Growth Fund was merged with this fund effective 12/3/2007. All JNL/JPMorgan U.S. Government & Quality Bond Fund Name changed from JNL/Salomon Brothers U.S. Govt. & Quality Bond Fund effective 5/1/2006,from JNL/Western U.S. Govt. & Quality Bond Fund effective 1/16/2007, and fixed annuityfrom JNL/Western Asset U.S. Govt. & Quality Bond Fund effective 4/30/2007. All JNL/Lazard Emerging Markets Fund New 5/1/2006 All JNL/Lazard Mid Cap Equity Fund Name changed from JNL/Lazard Mid Cap Value Fund effective 3/31/2008 All JNL/M&G Global Basics Fund New 10/6/2008 All JNL/M&G Global Leaders Fund New 10/6/2008 All JNL/Mellon Capital Management 10 X 10 Fund New 4/30/2007. All but Retirement Latitudes JNL/Mellon Capital Management 25 Fund All JNL/Mellon Capital Management Bond Index Fund All JNL/Mellon Capital Management Communications Sector Fund All but Retirement Latitudes JNL/Mellon Capital Management Consumer Brands Sector Fund All but Retirement Latitudes JNL/Mellon Capital Management Oil & Gas Sector Fund Name changed from JNL/Mellon Capital Management Energy Sector Fund effective 5/2/2005 All but Retirement Latitudes JNL/Mellon Capital Management European 30 Fund New 10/6/2008 All JNL/Mellon Capital Management Financial Sector Fund All but Retirement Latitudes JNL/Mellon Capital Management Global 15 Fund All JNL/Mellon Capital Management International Index Fund All JNL/Mellon Capital Management Index 5 Fund New 4/30/2007. All but Retirement Latitudes JNL/Mellon Capital Management JNL 5 Fund All JNL/Mellon Capital Management JNL Optimized 5 Fund New 5/1/2006 All JNL/Mellon Capital Management Healthcare Sector Fund Name changed from JNL/Mellon Capital Management Pharmaceutical/Healthcare Sector Fund effective 5/2/05 All but Retirement Latitudes JNL/Mellon Capital Management NYSE® International 25 Fund New 4/30/2007. All but Retirement Latitudes JNL/Mellon Capital Management Pacific Rim 30 Fund New 10/6/2008 All JNL/Mellon Capital Management S&P ® SXxx 60 Fund New 4/30/2007. All but Retirement Latitudes JNL/Mellon Capital Management S&P ® 24 Fund New 5/1/2006 All JNL/Mellon Capital Management S&P 400 MidCap Index Fund All JNL/Mellon Capital Management S&P 500 Index Fund Effective 4/6/2009, the JNL/Mellon Capital Management Enhanced S&P 500 Stock Index fund was merged into this fund. Effective 9/28/2009, the JNL/PPM America Core Equity Fund was merged into this fund. All JNL/Mellon Capital Management Select Small-Cap Fund All JNL/Mellon Capital Management Small Cap Index Fund Effective 4/6/2009, the JNL/Lazard Small Cap Equity fund was merged into this fund. All JNL/Mellon Capital Management Technology Sector Fund All but Retirement Latitudes JNL/Mellon Capital Management Dxx XX Dividend New 1/17/2006 All JNL/Mellon Capital Management The Dowsm 10 Fund Name changed effective 1/17/2006 All JNL/Mellon Capital Management The S&P® 10 Fund Name changed effective 1/17/2006 All JNL/Mellon Capital Management VIP Fund All JNL/Mellon Capital Management Nasdaq®25 Fund Name changed from JNL/Mellon Capital Management Nasdaq®15 Fund effective 12/3/2007 All JNL/Mellon Capital Management Value Line®30 Fund Name changed from JNL/Mellon Capital Management Value Line® 25 Fund effective 12/3/2007 All JNL/Mellon Capital Management Global Alpha Fund New 9/28/2009 All but Retirement Latitudes JNL/Oxxxxxxxxxx Global Growth Fund All JNL/PXX Asia ex-Japan Fund New 3/31/2008 All JNL/PXX China-India Fund New 3/31/2008 All JNL/PIMCO Real Return New 1/16/2007 All JNL/PIMCO Total Return Bond Fund All JNL/ PPM America High Yield Bond Fund Name changed from JNL/Salomon Brothers High Yield Bond Fund effective 5/1/2006, from JNL/Western High Yield Bond Fund effective 1/16/2007, and from JNL/Western Asset High Yield Bond Fund effective 4/30/2007. All JNL/PPM America Mid-Cap Value Fund New 3/31/2008 All JNL/PPM America Small Cap Value Fund New 3/31/2008 All JNL/PPM America Value Equity Name changed from JNL/Pxxxxx Value Equity Fund effective 1/16/2007 All (Exclusion of Retirement Latitudes was lifted eff 10/6/08) JNL/Red Rocks Listed Private Equity Fund New 10/6/2008 All JNL/S&P 4 Fund New 12/3/2007 All JNL/S&P Competitive Advantage Fund New 12/3/2007 All but Retirement Latitudes JNL/S&P Disciplined Moderate New 1/16/2007 All but Fifth Third JNL/S&P Disciplined Moderate Growth New 1/16/2007 All but Fifth Third JNL/S&P Disciplined Growth New 1/16/2007 All but Fifth Third JNL/S&P Dividend Income & Growth Fund New 12/3/2007 All but Retirement Latitudes JNL/S&P Intrinsic Value Fund New 12/3/2007 All but Retirement Latitudes JNL/S&P Managed Growth Fund Effective 9/28/2009, the JNL/S&P Retirement 2020 Fund and the JNL/S&P Retirement 2025 Fund were merged into this fund All JNL/S&P Managed Aggressive Growth Fund All JNL/S&P Managed Conservative Fund All JNL/S&P Managed Moderate Fund Effective 9/28/2009, the JNL/S&P Retirement Income Fund was merged into this fund. All JNL/S&P Managed Moderate Growth Fund Effective 9/28/2009, the JNL/S&P Retirement 2015 Fund was merged into this fund All JNL/S&P Total Yield Fund New 12/3/2007 All but Retirement Latitudes JNL/Select Balanced Fund All JNL/Select Money Market Fund All JNL/Select Value Fund All JNL/T. Xxxx Price Established Growth Fund JNL/Alliance Capital Growth Fund was merged with this fund 5/2/05. JNL/Axxxx Growth Fund and JNL Oxxxxxxxxxx Growth Fund were merged with this fund on 4/30/2007. All JNL/T. Xxxx Price Mid-Cap Growth Fund All JNL/T. Xxxx Price Value Fund All Fifth Third Balanced VIP Fund Fund no longer available for new investments effective 8/13/2007 and was liquidated effective 10/12/2007 Fifth Third Only Fifth Third Disciplined Value VIP Fund Fund no longer available for new investments effective 8/13/2007 and was liquidated effective 10/12/2007 Fifth Third Only Fifth Third Mid Cap VIP Fund Fund no longer available for new investments effective 8/13/2007 and was liquidated effective 10/12/2007 Fifth Third Only Fifth Third Quality Growth VIP Fund Fund no longer available for new investments effective 8/13/2007 and was liquidated effective 10/12/2007 Fifth Third Only

Optional Benefits. Form Number* Policy Description 7500 Additional Free Withdrawal Option (20% of Premium) 7360 Earnings Protection 7460 Premium Credit (2%) 7470 Death Benefit Option (Highest Anniversary Value) 7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007 7475 Death Benefit Option (5% Rollup) 7476 Death Benefit Option (4% Rollup) 7478 Death Benefit Option (Comb HAV and 5% Rollup) 7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007 7479 Death Benefit Option (Comb HAV and 4% Rollup) 7557 Death Benefit Option (5% Rollup) effective 10/6/2008 7559 Death Benefit Option (6% Rollup) effective 10/6/2008 7556 Death Benefit Option (HQV) effective 10/6/2008 7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7603 Death Benefit Option (HQV) effective 10/6/2008 7604 Death Benefit Option (5% Rollup) effective 10/6/2008 7605 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7606 Death Benefit Option (6% Rollup) effective 10/6/2008 7607 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7595 Death Benefit Option (HQV) effective 4/6/2009 7596 Death Benefit Option (5% Rollup) effective 4/6/2009 7598 Death Benefit Option (6% Rollup) effective 4/6/2009 7597 Death Benefit Option (Comb HQV and 5% Rollup) effective 4/6/2009 7599 Death Benefit Option (Comb HQV and 6% Rollup) effective 4/6/2009 4/6/20097346 03/03 Premium Credit (4%) 7507 Premium Credit (5%), effective 1/16/2007 7380 Reduced Administration Charge 7499 Shorten Withdrawal Charge Period to 4 Years 7536 Reduced Administration Charge endorsement effective 9/28/2009 Washington State Only 7471WA Death Benefit Option (3% Rollup) effective 10/4/2004 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7481WA Death Benefit Option (3% Rollup) effective 5/2/2005 7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005 7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007 7556AWA Death Benefit Option (HQV) effective 10/6/2008 7564AWA Death Benefit Option (3%) effective 10/6/2008 7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7603AWA Death Benefit Option (HQV) effective 10/6/2008 7610AWA Death Benefit Option (3% Rollup) effective 10/6/2008 7611AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7595AWA Death Benefit Option (HQV) effective 4/6/2009 7600AWA Death Benefit Option (3% Rollup) effective 4/6/2009 7601AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 4/6/2009 * Includes any state specific variation of the above-described forms as of the EFFECTIVE DATE and any subsequent state specific variation, if such subsequent state specific variation does not have any impact on the risk assumed by the REINSURER. The CEDING COMPANY shall notify the REINSURER of any state specific variation after the EFFECTIVE DATE which could have any impact on the risk assumed by the REINSURER and such variation shall be treated the same as a policy form change under Article IV, Section B, provided that the REINSURER shall not unreasonably refuse to approve such subsequent state specific variation. JNL ACE 2005 Treaty Schedule B-1 Amendment # 14 SCHEDULE B-2 Subaccounts Subject to this Reinsurance Agreement Fund Name Comment Product Availability JNL/AIM International Growth Fund Named changed from JNL/Xxxxxx International Equity Fund effective 5/2/05 and from JNL/JPM International Equity Fund effective 12/3/2007 All JNL/AIM Large Cap Growth Fund All JNL/AIM Global Real Estate Fund New 5/2/05, Name changed from JNL/AIM Real Estate Fund effective 10/6/2008 All JNL/AIM Small Cap Growth Fund All JNL/Capital Guardian Global Balanced Fund Name changed from JNL/FMR Balanced Fund effective 4/30/2007 and from JNL/FI Balanced Fund effective 12/3/2007 All JNL/Capital Guardian Global Diversified Research Fund Name changed from JNL/Select Global Growth Fund effective 12/3/2007 All JNL/Capital Guardian International Small Cap Fund New 12/3/2007 All JNL/Capital Guardian U.S. Growth Equity Fund Name changed from JNL/Select Large Cap Growth Fund effective 12/3/2007 All JNL/Credit Suisse Commodity Securities Fund New 1/16/2007 – Name changed from JNL/Credit Suisse Global Natural Resources effective 9/28/2009 All JNL/Credit Suisse Long/Short New 1/16/2007 All JNL/Eagle Core Equity Fund All JNL/Eagle Small Cap Equity Fund All JNL/Franklin Xxxxxxxxx Founding Strategy New 1/16/2007 All JNL/Franklin Xxxxxxxxx Global Growth New 1/16/2007 All JNL/Franklin Xxxxxxxxx Income Fund New 5/1/2006 All JNL/Franklin Xxxxxxxxx Mutual Shares New 1/16/2007 All JNL/Franklin Xxxxxxxxx Small Cap Value Fund New 5/2/05 All JNL/Xxxxxxx Sachs Core Plus Bond Fund Name changed from JNL/Salomon Brothers Strategic Bond Fund effective 5/1/2006, from JNL/Western Strategic Bond Fund effective 1/16/2007, and from JNL/Western Asset Strategic Bond Fund effective 4/30/2007. All JNL/Xxxxxxx Xxxxx Emerging Markets Debt Fund New 10/6/2008 All JNL/Xxxxxxx Sachs Mid Cap Value Fund New 5/2/05 All JNL/X. Xxxx Price Short Term Bond Fund New 5/1/2006 – Name changed from JNL/Xxxxxxx Sachs Duration Bond Fund effective 9/28/2009 All JNL Institutional Alt 20 New 4/6/2009 All but Retirement Latitudes · VA310 is an individual flexible premium variable JNL Institutional Alt 35 New 4/6/2009 All but Retirement Latitudes JNL Institutional Alt 50 New 4/6/2009 All but Retirement Latitudes JNL Institutional Alt 65 New 4/6/2009 All but Retirement Latitudes JNL/Ivy Asset Strategy New 9/28/2009 All but Retirement Latitudes JNL/JPMorgan International Value Fund All JNL/JPMorgan Mid-Cap Growth Fund Name changed from JNL/FMR Capital Growth Fund effective 5/1/2006, from JNL/FMR Mid-Cap Equity Fund effective 4/30/2007, and fixed annuity · VA310G is a group flexible premium variable from JNL/FI Mid-Cap Equity Fund effective 12/3/2007. Also, JNL/Xxxxxx Mid-Cap Growth Fund was merged with this fund effective 12/3/2007. All JNL/JPMorgan U.S. Government & Quality Bond Fund Name changed from JNL/Salomon Brothers U.S. Govt. & Quality Bond Fund effective 5/1/2006,from JNL/Western U.S. Govt. & Quality Bond Fund effective 1/16/2007, and fixed annuityfrom JNL/Western Asset U.S. Govt. & Quality Bond Fund effective 4/30/2007. All JNL/Lazard Emerging Markets Fund New 5/1/2006 All JNL/Lazard Mid Cap Equity Fund Name changed from JNL/Lazard Mid Cap Value Fund effective 3/31/2008 All JNL/M&G Global Basics Fund New 10/6/2008 All JNL/M&G Global Leaders Fund New 10/6/2008 All JNL/Mellon Capital Management 10 X 10 Fund New 4/30/2007. All but Retirement Latitudes JNL/Mellon Capital Management 25 Fund All JNL/Mellon Capital Management Bond Index Fund All JNL/Mellon Capital Management Communications Sector Fund All but Retirement Latitudes JNL/Mellon Capital Management Consumer Brands Sector Fund All but Retirement Latitudes JNL/Mellon Capital Management Oil & Gas Sector Fund Name changed from JNL/Mellon Capital Management Energy Sector Fund effective 5/2/2005 All but Retirement Latitudes JNL/Mellon Capital Management European 30 Fund New 10/6/2008 All JNL/Mellon Capital Management Financial Sector Fund All but Retirement Latitudes JNL/Mellon Capital Management Global 15 Fund All JNL/Mellon Capital Management International Index Fund All JNL/Mellon Capital Management Index 5 Fund New 4/30/2007. All but Retirement Latitudes JNL/Mellon Capital Management JNL 5 Fund All JNL/Mellon Capital Management JNL Optimized 5 Fund New 5/1/2006 All JNL/Mellon Capital Management Healthcare Sector Fund Name changed from JNL/Mellon Capital Management Pharmaceutical/Healthcare Sector Fund effective 5/2/05 All but Retirement Latitudes JNL/Mellon Capital Management NYSE® International 25 Fund New 4/30/2007. All but Retirement Latitudes JNL/Mellon Capital Management Pacific Rim 30 Fund New 10/6/2008 All JNL/Mellon Capital Management S&P ® XXxx 60 Fund New 4/30/2007. All but Retirement Latitudes JNL/Mellon Capital Management S&P ® 24 Fund New 5/1/2006 All JNL/Mellon Capital Management S&P 400 MidCap Index Fund All JNL/Mellon Capital Management S&P 500 Index Fund Effective 4/6/2009, the JNL/Mellon Capital Management Enhanced S&P 500 Stock Index fund was merged into this fund. Effective 9/28/2009, the JNL/PPM America Core Equity Fund was merged into this fund. All JNL/Mellon Capital Management Select Small-Cap Fund All JNL/Mellon Capital Management Small Cap Index Fund Effective 4/6/2009, the JNL/Lazard Small Cap Equity fund was merged into this fund. All JNL/Mellon Capital Management Technology Sector Fund All but Retirement Latitudes JNL/Mellon Capital Management Xxx XX Dividend New 1/17/2006 All JNL/Mellon Capital Management The Dowsm 10 Fund Name changed effective 1/17/2006 All JNL/Mellon Capital Management The S&P® 10 Fund Name changed effective 1/17/2006 All JNL/Mellon Capital Management VIP Fund All JNL/Mellon Capital Management Nasdaq®25 Fund Name changed from JNL/Mellon Capital Management Nasdaq®15 Fund effective 12/3/2007 All JNL/Mellon Capital Management Value Line®30 Fund Name changed from JNL/Mellon Capital Management Value Line® 25 Fund effective 12/3/2007 All JNL/Mellon Capital Management Global Alpha Fund New 9/28/2009 All but Retirement Latitudes JNL/Xxxxxxxxxxx Global Growth Fund All JNL/XXX Asia ex-Japan Fund New 3/31/2008 All JNL/XXX China-India Fund New 3/31/2008 All JNL/PIMCO Real Return New 1/16/2007 All JNL/PIMCO Total Return Bond Fund All JNL/ PPM America High Yield Bond Fund Name changed from JNL/Salomon Brothers High Yield Bond Fund effective 5/1/2006, from JNL/Western High Yield Bond Fund effective 1/16/2007, and from JNL/Western Asset High Yield Bond Fund effective 4/30/2007. All JNL/PPM America Mid-Cap Value Fund New 3/31/2008 All JNL/PPM America Small Cap Value Fund New 3/31/2008 All JNL/PPM America Value Equity Name changed from JNL/Xxxxxx Value Equity Fund effective 1/16/2007 All (Exclusion of Retirement Latitudes was lifted eff 10/6/08) JNL/Red Rocks Listed Private Equity Fund New 10/6/2008 All JNL/S&P 4 Fund New 12/3/2007 All JNL/S&P Competitive Advantage Fund New 12/3/2007 All but Retirement Latitudes JNL/S&P Disciplined Moderate New 1/16/2007 All but Fifth Third JNL/S&P Disciplined Moderate Growth New 1/16/2007 All but Fifth Third JNL/S&P Disciplined Growth New 1/16/2007 All but Fifth Third JNL/S&P Dividend Income & Growth Fund New 12/3/2007 All but Retirement Latitudes JNL/S&P Intrinsic Value Fund New 12/3/2007 All but Retirement Latitudes JNL/S&P Managed Growth Fund Effective 9/28/2009, the JNL/S&P Retirement 2020 Fund and the JNL/S&P Retirement 2025 Fund were merged into this fund All JNL/S&P Managed Aggressive Growth Fund All JNL/S&P Managed Conservative Fund All JNL/S&P Managed Moderate Fund Effective 9/28/2009, the JNL/S&P Retirement Income Fund was merged into this fund. All JNL/S&P Managed Moderate Growth Fund Effective 9/28/2009, the JNL/S&P Retirement 2015 Fund was merged into this fund All JNL/S&P Total Yield Fund New 12/3/2007 All but Retirement Latitudes JNL/Select Balanced Fund All JNL/Select Money Market Fund All JNL/Select Value Fund All JNL/X. Xxxx Price Established Growth Fund JNL/Alliance Capital Growth Fund was merged with this fund 5/2/05. JNL/Xxxxx Growth Fund and JNL Xxxxxxxxxxx Growth Fund were merged with this fund on 4/30/2007. All JNL/X. Xxxx Price Mid-Cap Growth Fund All JNL/X. Xxxx Price Value Fund All Fifth Third Balanced VIP Fund Fund no longer available for new investments effective 8/13/2007 and was liquidated effective 10/12/2007 Fifth Third Only Fifth Third Disciplined Value VIP Fund Fund no longer available for new investments effective 8/13/2007 and was liquidated effective 10/12/2007 Fifth Third Only Fifth Third Mid Cap VIP Fund Fund no longer available for new investments effective 8/13/2007 and was liquidated effective 10/12/2007 Fifth Third Only Fifth Third Quality Growth VIP Fund Fund no longer available for new investments effective 8/13/2007 and was liquidated effective 10/12/2007 Fifth Third Only

Optional Benefits. Form Number* Number Policy Description 7360 Earnings Protection 7460 Premium Credit (2%) 7470 Benefit effective 10/4/2004 7461 Death Benefit Option (Highest Anniversary Value4% Rollup) 7512 effective 10/4/2004 7476 Death Benefit Option (Highest Anniversary Value4% Rollup) effective 1/16/2007 5/2/2005 7463 Death Benefit Option (5% Rollup) effective 10/4/2004 7475 Death Benefit Option (5% Rollup) 7476 effective 5/2/2005 7470 Death Benefit Option (HAV) effective 10/4/2004 7462 Death Benefit Option (Comb HAV and 4% Rollup) effective 10/4/2004 7479 Death Benefit Option (Comb HAV and 4% Rollup) effective 5/2/2005 7464 Death Benefit Option (Comb HAV and 5% Rollup) effective 10/4/2004 7478 Death Benefit Option (Comb HAV and 5% Rollup) 7513 Death Benefit Option effective 5/2/2005 7349 20% Additional Free Withdrawal 7465 Shortened W/D Charge Period (Comb HAV and 5% Rollup5 years) effective 1/16/2007 7479 Death Benefit Option 10/4/2004 7466 Shortened W/D Charge Period (Comb HAV and 4% Rollup) 7557 Death Benefit Option (5% Rollup3 years) effective 10/6/2008 7559 Death Benefit Option 10/4/2004 7346 03/03 Premium Credit (6% Rollup4%) effective 10/6/2008 7556 Death Benefit Option 7348 03/03 Premium Credit (HQV2%) effective 10/6/2008 7558 Death Benefit Option 7352 03/03 Premium Credit (Comb HQV 3%) 7380 Reduced Administration Charge Xxxxxxx National and 5% Rollup) effective 10/6/2008 7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7603 Death Benefit Option (HQV) effective 10/6/2008 7604 Death Benefit Option (5% Rollup) effective 10/6/2008 7605 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008 7606 Death Benefit Option (6% Rollup) effective 10/6/2008 7607 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008 7595 Death Benefit Option (HQV) effective 4/6/2009 7596 Death Benefit Option (5% Rollup) effective 4/6/2009 7598 Death Benefit Option (6% Rollup) effective 4/6/2009 7597 Death Benefit Option (Comb HQV and 5% Rollup) effective 4/6/2009 7599 Death Benefit Option (Comb HQV and 6% Rollup) effective 4/6/2009 ACE Tempest Re GMIB 21 Washington State Only 7471WA Death Benefit Option (3% Rollup) effective 10/4/2004 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7481WA Death Benefit Option (3% Rollup) effective 5/2/2005 7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004 7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005 7515WA Death Benefit Option (Comb HAV Xxxxxxx National and 3% Rollup) effective 1/16/2007 7556AWA Death Benefit Option (HQV) effective 10/6/2008 7564AWA Death Benefit Option (3%) effective 10/6/2008 7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7603AWA Death Benefit Option (HQV) effective 10/6/2008 7610AWA Death Benefit Option (3% Rollup) effective 10/6/2008 7611AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008 7595AWA Death Benefit Option (HQV) effective 4/6/2009 7600AWA Death Benefit Option (3% Rollup) effective 4/6/2009 7601AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 4/6/2009 Retirement Latitudes · VA310 ACE Tempest Re GMIB 22 Perspective A Series • VA230 is an individual flexible premium variable and fixed annuity · VA310• VA230G is a group flexible premium variable and fixed annuity