Common use of WITHDRAWAL PROGRAM Clause in Contracts

WITHDRAWAL PROGRAM. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Guaranteed Withdrawal Benefit All Products sold before July 16, 2007 50.00 Guaranteed Withdrawal Benefit All Products sold on or after July 16, 2007 55.00 Principal Guarantee All Products 50.00 Principal Guarantee Value All Products 25.00 Lifetime GWB - Single Life All Products, except Marquis Portfolio and 50 Version PrimElite IV, for which the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life All Products, except Marquis Portfolio and 80 Version PrimElite IV, for which the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life PrimElite IV sold before May 4, 2009, for which 65 Version the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life PrimElite IV sold before May 4, 2009, for which 95 Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life PrimElite IV sold on or after May 4, 2009 and 110 Version before July 15, 2011 Lifetime GWB - Single Life PrimElite IV sold on or after July 15, 2011 140 Version Lifetime GWB - Single Life Marquis Portfolios, for which the contract's GWB 70 Version Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life Marquis Portfolios, for which 100 Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Joint Life All Products, except Marquis Portfolio and 70 Version PrimElite IV, for which the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Joint Life All Products, except Marquis Portfolio and 105 Version PrimElite IV, for which the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Lifetime GWB - Joint Life PrimElite IV sold before May 4, 2009, for which 85 Version the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Joint Life PrimElite IV sold before May 4, 2009, for which 120 Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Joint Life PrimElite IV sold on or after May 4, 2009 and 125 Version before July 15, 2011 Lifetime GWB - Joint Life PrimElite IV sold on or after July 15, 2011 155 Version Lifetime GWB - Joint Life Marquis Portfolios, for which 90 Version the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later Lifetime GWB - Joint Life Marquis Portfolios, for which 125 Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold on or 65 Version) - Single Life before February 20, 2009, for which the Version contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold on or 95 Version) - Single Life before February 20, 2009, for which Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 Marquis Portfolios, sold on or before February 20, 85 Version) - Single Life 2009, for which the contract's GWB Benefit Version Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 Marquis Portfolios, sold on or before February 20, 115 Version) - Single Life 2009, for which Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold on or 85 Version) - Joint Life before February 20, 2009, for which Version the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold on or 120 Version) - Joint Life before February 20, 2009, for which Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 Marquis Portfolios, sold on or before February 20, 105 Version) - Joint Life 2009, for which the contract's GWB Benefit Version Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 Marquis Portfolios, sold on or before February 20, 140 Version) - Joint Life 2009, for which Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold after 125 Version) - Single Life February 20, 2009 Version Lifetime GWB II (2008 Marquis Portfolios, sold after February 20, 2009 145 Version) - Single Life Version Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold after 150 Version) - Joint Life February 20, 2009 Version Lifetime GWB II (2008 Marquis Portfolios, sold after February 20, 2009 170 Version) - Joint Life Version Lifetime LWG III - Single Life Simple Solutions sold on or before December 9, 100 Version 2011 Lifetime LWG III - Single Life Simple Solutions sold after December 9, 2011 110 Version Lifetime LWG III - Joint Life Simple Solutions sold on or before December 9, 120 Version 2011 Lifetime LWG III - Joint Life Simple Solutions sold after December 9, 2011 130 Version D. ACCUMULATION PROGRAM REINSURANCE PREMIUM ACCUMULATION PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Guaranteed Accumulation PEP Product 150.00 Benefit Guaranteed Accumulation All Other Products 75.00 Benefit AMENDMENT NO. 21 TO AUTOMATIC REINSURANCE AGREEMENT EFFECTIVE AS OF DECEMBER 1, 2004 (AGREEMENT) BETWEEN FIRST METLIFE INVESTORS INSURANCE COMPANY (CEDENT) AND EXETER REASSURANCE COMPANY, LTD. (REINSURER) The Agreement is hereby amended, as of April 29, 2013, as follows: 1. The attached Schedule A, Plans of Reinsurance, amends and, as amended, restates Schedule A, Plans of Reinsurance. 2. The attached Exhibit II, Reinsurance Premiums, amends and, as amended, restates Exhibit II, Reinsurance Premiums. This Amendment No. 21 does not alter, amend or modify the Agreement other than as set forth herein, and the terms and conditions of the Agreement, as amended herein, continue in effect without other change. In Witness whereof, the parties have caused this Amendment No. 21 to be signed in duplicate counterparts as of the date first above written. FIRST METLIFE INVESTORS INSURANCE COMPANY By: /s/ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ---------------------------------- Name: ▇▇▇▇▇▇▇ ▇▇▇▇▇ ---------------------------------- Title: Senior Vice President ---------------------------------- EXETER REASSURANCE COMPANY, LTD. By: /s/ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ---------------------------------- Name: ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ---------------------------------- Title: Vice President and Actuary ---------------------------------- SCHEDULE A PLANS OF REINSURANCE A. Reinsurer's Percentage: 100% of the business described herein. B. Effective Date: December 1, 2004.

WITHDRAWAL PROGRAM. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Guaranteed Withdrawal Benefit All Products sold before July 16, 2007 50.00 Guaranteed Withdrawal Benefit All Products sold on or after July 16, 2007 55.00 Guaranteed Withdrawal Only Applies to VA, S, VA-4 & L (4-Year) Class 90.00 Benefit v1 Products Principal Guarantee All Products 50.00 Principal Guarantee Value All Products 25.00 Lifetime GWB - Single Life All Products, except Marquis Portfolio and 50 Version PrimElite IV, for which the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life All Products, except Marquis Portfolio and 80 Version PrimElite IV, for which the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life PrimElite IV sold before May 4, 2009, for which 65 Version the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life PrimElite IV sold before May 4, 2009, for which 95 Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life PrimElite IV sold on or after May 4, 2009 and 110 Version before July 15, 2011 Lifetime GWB - Single Life PrimElite IV sold on or after July 15, 2011 140 Version Lifetime GWB - Single Life Marquis Portfolios, for which the contract's GWB 70 Version Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Single Life Marquis Portfolios, for which 100 Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Joint Life All Products, except Marquis Portfolio and 70 Version PrimElite IV, for which the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Lifetime GWB - Joint Life All Products, except Marquis Portfolio and 105 Version PrimElite IV, for which the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Lifetime GWB - Joint Life PrimElite IV sold before May 4, 2009, for which 85 Version the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Joint Life PrimElite IV sold before May 4, 2009, for which 120 Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB - Joint Life PrimElite IV sold on or after May 4, 2009 and 125 Version before July 15, 2011 Lifetime GWB - Joint Life PrimElite IV sold on or after July 15, 2011 155 Version Lifetime GWB - Joint Life Marquis Portfolios, for which 90 Version the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later Lifetime GWB - Joint Life Marquis Portfolios, for which 125 Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold on or 65 Version) - Single Life before February 20, 2009, for which the Version contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold on or 95 Version) - Single Life before February 20, 2009, for which Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 Marquis Portfolios, sold on or before February 20, 85 Version) - Single Life 2009, for which the contract's GWB Benefit Version Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 Marquis Portfolios, sold on or before February 20, 115 Version) - Single Life 2009, for which Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold on or 85 Version) - Joint Life before February 20, 2009, for which Version the contract's GWB Benefit Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM WITHDRAWAL PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold on or 120 Version) - Joint Life before February 20, 2009, for which Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 Marquis Portfolios, sold on or before February 20, 105 Version) - Joint Life 2009, for which the contract's GWB Benefit Version Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 Marquis Portfolios, sold on or before February 20, 140 Version) - Joint Life 2009, for which Version the contract's GWB Benefit Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold after 125 Version) - Single Life February 20, 2009 Version Lifetime GWB II (2008 Marquis Portfolios, sold after February 20, 2009 145 Version) - Single Life Version Lifetime GWB II (2008 All Products, except Marquis Portfolio, sold after 150 Version) - Joint Life February 20, 2009 Version Lifetime GWB II (2008 Marquis Portfolios, sold after February 20, 2009 170 Version) - Joint Life Version Lifetime LWG III - Single Life Simple Solutions sold on or before December 9, 100 Version 2011 Lifetime LWG III - Single Life Simple Solutions sold after December 9, 2011 110 Version Lifetime LWG III - Joint Life Simple Solutions sold on or before December 9, 120 Version 2011 Lifetime LWG III - Joint Life Simple Solutions sold after December 9, 2011 130 Version D. ACCUMULATION PROGRAM REINSURANCE PREMIUM ACCUMULATION PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ -------------------------------------------------- -------------------- Guaranteed Accumulation PEP Product 150.00 Benefit Guaranteed Accumulation All Other Products 75.00 Benefit AMENDMENT NO. 21 TO AUTOMATIC REINSURANCE AGREEMENT EFFECTIVE AS OF DECEMBER 1, 2004 (AGREEMENT) BETWEEN FIRST METLIFE INVESTORS INSURANCE COMPANY (CEDENT) AND EXETER REASSURANCE COMPANY, LTD. (REINSURER) The Agreement is hereby amended, as of April 29, 2013, as follows: 1. The attached Schedule A, Plans of Reinsurance, amends and, as amended, restates Schedule A, Plans of Reinsurance. 2. The attached Exhibit II, Reinsurance Premiums, amends and, as amended, restates Exhibit II, Reinsurance Premiums. This Amendment No. 21 does not alter, amend or modify the Agreement other than as set forth herein, and the terms and conditions of the Agreement, as amended herein, continue in effect without other change. In Witness whereof, the parties have caused this Amendment No. 21 to be signed in duplicate counterparts as of the date first above written. FIRST METLIFE INVESTORS INSURANCE COMPANY By: /s/ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ---------------------------------- Name: ▇▇▇▇▇▇▇ ▇▇▇▇▇ ---------------------------------- Title: Senior Vice President ---------------------------------- EXETER REASSURANCE COMPANY, LTD. By: /s/ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ---------------------------------- Name: ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ---------------------------------- Title: Vice President and Actuary ---------------------------------- SCHEDULE A PLANS OF REINSURANCE A. Reinsurer's Percentage: 100% of the business described herein. B. Effective Date: December 1, 2004.Version