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. 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. 020 042 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. 020 051 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. 020 036 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. 020 050 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. 020 054 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. 020 022 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. 020 052 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. 020 031 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. 020 038 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. 020 023 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. 020 035 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. 020 018 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. 020 021 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. 020 016 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. 020 041 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. 020 028 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. 020 024 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. 020 046 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. 020 032 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. 020 049 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. 020 045 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. 020 019 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. 020 040 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. 020 043 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. 020 039 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. 020 044 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. 020 017 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. 020 033 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. 020 027 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. 020 053 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. 020 025 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. 020 047 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. 020 037 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. 020 030 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. 020 029 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. 020 014 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. 020 048 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. 020 034 dated April 7June 2, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.