Common use of Optional Repayment Clause in Contracts

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 dated April 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 037 dated April 7June 16, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 017 dated April 7March 24, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 040 dated April 7June 23, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 050 dated April 7August 11, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 027 dated April 728, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 029 dated April 7May 5, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 039 dated April 7June 23, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 024 dated April 721, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 041 dated April 7June 30, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 028 dated April 728, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 019 dated April 7March 31, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 052 dated April 7August 25, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 014 dated April 7March 10, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 048 dated April 7August 4, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 047 dated April 7July 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 054 dated April 7September 8, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 023 dated April 714, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 049 dated April 7August 11, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 033 dated April 7May 19, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 020 dated April 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 025 dated April 721, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 030 dated April 7May 12, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 042 dated April July 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 036 dated April 7June 9, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 034 dated April 7June 2, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 053 dated April 7September 2, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 043 dated April July 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 016 dated April 7March 24, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 032 dated April 7May 19, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 031 dated April 7May 12, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 046 dated April 7July 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 035 dated April 7June 9, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 051 dated April 7August 18, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 045 dated April 7July 21, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 044 dated April 7July 14, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 022 dated April 714, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 018 dated April 7March 31, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 021 038 dated April 7June 16, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.