Common use of ANNUITY OPTION TABLES Clause in Contracts

ANNUITY OPTION TABLES. The following tables are based on the 1983 Table "a" projected forward to 2000 for Individual Annuity Valuation with interest at 3%. MINIMUM GUARANTEED MONTHLY ANNUITY PAYMENT FOR EACH $1,000 APPLIED UNDER OPTION OPTION 2 (PAYMENTS FOR A FIXED PERIOD) ---------------------------------------------------------------------------------------------- YEARS EACH YEARS EACH YEARS EACH YEARS EACH PAYABLE PAYMENT PAYABLE PAYMENT PAYABLE PAYMENT PAYABLE PAYMENT ---------------------------------------------------------------------------------------------- 5 17.91 9 10.53 13 7.71 17 6.23 6 15.14 10 9.61 14 7.26 18 5.96 7 13.16 11 8.86 15 6.87 19 5.73 8 11.68 12 8.24 16 6.53 20 5.51 ---------------------------------------------------------------------------------------------- OPTION 3 (LIFE ANNUITY), OPTION 4 (LIFE ANNUITY WITH 10 OR 20 YEARS GUARANTEED) AND OPTION 5 (RETURN OF CONTRACT VALUE GUARANTEED) -------------------------------------------------------------------------------------------------------------------------------- (*)ADJUSTED LIFE 10 YEARS 20 YEARS RETURN OF (*)ADJUSTED LIFE 10 YEARS 20 YEARS RETURN OF MALE AGE ANNUITY GUARANTEE GUARANTEE CONTRACT VALUE FEMALE AGE ANNUITY GUARANTEE GUARANTEE CONTRACT VALUE -------------------------------------------------------------------------------------------------------------------------------- 56 4.42 4.37 4.20 4.21 56 4.12 4.10 4.01 4.00 57 4.51 4.45 4.27 4.28 57 4.20 4.17 4.07 4.06 58 4.60 4.54 4.33 4.35 58 4.28 4.25 4.13 4.13 59 4.70 4.63 4.39 4.43 59 4.36 4.33 4.19 4.20 60 4.80 4.73 4.46 4.51 60 4.45 4.41 4.26 4.27 61 4.92 4.83 4.52 4.60 61 4.55 4.50 4.33 4.35 62 5.04 4.93 4.59 4.68 62 4.65 4.59 4.40 4.43 63 5.17 5.05 4.65 4.78 63 4.76 4.69 4.47 4.52 64 5.30 5.16 4.72 4.88 64 4.87 4.80 4.54 4.61 65 5.45 5.29 4.78 4.98 65 5.00 4.91 4.61 4.70 66 5.61 5.42 4.85 5.09 66 5.13 5.03 4.68 4.80 67 5.77 5.55 4.91 5.20 67 5.27 5.15 4.76 4.91 68 5.95 5.69 4.97 5.32 68 5.42 5.29 4.83 5.02 69 6.14 5.84 5.03 5.45 69 5.58 5.42 4.90 5.14 70 6.34 5.99 5.08 5.58 70 5.75 5.57 4.97 5.27 71 6.55 6.14 5.13 5.72 71 5.94 5.73 5.03 5.40 72 6.78 6.30 5.18 5.86 72 6.14 5.89 5.09 5.54 73 7.02 6.46 5.23 6.02 73 6.36 6.06 5.15 5.69 74 7.28 6.63 5.27 6.18 74 6.60 6.23 5.21 5.85 75 7.55 6.80 5.31 6.34 75 6.86 6.42 5.25 6.02 76 7.84 6.97 5.34 6.52 76 7.13 6.61 5.30 6.20 77 8.16 7.15 5.37 6.71 77 7.43 6.80 5.34 6.39 78 8.49 7.32 5.40 6.90 78 7.75 7.00 5.37 6.59 79 8.85 7.50 5.42 7.11 79 8.10 7.20 5.40 6.80 80 9.24 7.67 5.44 7.32 80 8.47 7.40 5.43 7.02 81 9.65 7.84 5.46 7.55 81 8.87 7.60 5.45 7.26 82 10.09 8.01 5.47 7.79 82 9.31 7.79 5.47 7.51 83 10.55 8.17 5.49 8.04 83 9.79 7.99 5.48 7.77 84 11.05 8.32 5.49 8.31 84 10.31 8.17 5.49 8.05 85 11.58 8.47 5.50 8.59 85 10.87 8.35 5.50 8.36 -------------------------------------------------------------------------------------------------------------------------------- OPTION 6 (JOINT AND SURVIVOR LIFE ANNUITY) --------------------------------------------------------------------------------------------------------------------------- (*)ADJUSTED (*)ADJUSTED MALE AGE (*)ADJUSTED FEMALE FEMALE AGE 50 55 60 65 70 75 80 85 AGE --------------------------------------------------------------------------------------------------------------------------- 50 3.46 3.54 3.60 3.65 3.69 3.71 3.72 3.73 50 55 3.58 3.70 3.80 3.88 3.94 3.98 4.01 4.03 55 60 3.68 3.85 4.00 4.13 4.24 4.32 4.37 4.40 60 65 3.77 3.98 4.20 4.40 4.59 4.73 4.83 4.90 65 70 3.84 4.09 4.38 4.67 4.96 5.21 5.41 5.55 70 75 3.89 4.18 4.52 4.92 5.34 5.74 6.10 6.38 75 80 3.92 4.24 4.63 5.11 5.67 6.26 6.85 7.37 80 85 3.95 4.28 4.71 5.25 5.93 6.72 7.58 8.45 85 --------------------------------------------------------------------------------------------------------------------------- Information for ages or Annuity Options not shown will be furnished on request.

ANNUITY OPTION TABLES. The following tables are based on the 1983 Table "a" projected forward to 2000 for Individual Annuity Valuation with interest at 3%. MINIMUM GUARANTEED MONTHLY ANNUITY PAYMENT FOR EACH $1,000 APPLIED UNDER OPTION OPTION 2 (PAYMENTS FOR A FIXED PERIOD) ---------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------- YEARS EACH YEARS EACH YEARS EACH YEARS EACH PAYABLE PAYMENT PAYABLE PAYMENT PAYABLE PAYMENT PAYABLE PAYMENT ---------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------- 5 17.91 9 10.53 13 7.71 17 6.23 6 15.14 10 9.61 14 7.26 18 5.96 7 13.16 11 8.86 15 6.87 19 5.73 8 11.68 12 8.24 16 6.53 20 5.51 ---------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------- OPTION 3 (LIFE ANNUITY), OPTION 4 (LIFE ANNUITY WITH 10 OR 20 YEARS GUARANTEED) AND OPTION 5 (RETURN OF CONTRACT VALUE GUARANTEED) -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------- (*)ADJUSTED LIFE 10 YEARS 20 YEARS RETURN OF (*)ADJUSTED LIFE 10 YEARS 20 YEARS RETURN OF MALE AGE ANNUITY GUARANTEE GUARANTEE GUARANTEED GUARANTEED CONTRACT VALUE FEMALE AGE ANNUITY GUARANTEE GUARANTEE GUARANTEED GUARANTEED CONTRACT VALUE -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------- 56 4.42 4.37 4.20 4.21 56 4.12 4.10 4.01 4.00 57 4.51 4.45 4.27 4.28 57 4.20 4.17 4.07 4.06 58 4.60 4.54 4.33 4.35 58 4.28 4.25 4.13 4.13 59 4.70 4.63 4.39 4.43 59 4.36 4.33 4.19 4.20 60 4.80 4.73 4.46 4.51 60 4.45 4.41 4.26 4.27 61 4.92 4.83 4.52 4.60 61 4.55 4.50 4.33 4.35 62 5.04 4.93 4.59 4.68 62 4.65 4.59 4.40 4.43 63 5.17 5.05 4.65 4.78 63 4.76 4.69 4.47 4.52 64 5.30 5.16 4.72 4.88 64 4.87 4.80 4.54 4.61 65 5.45 5.29 4.78 4.98 65 5.00 4.91 4.61 4.70 66 5.61 5.42 4.85 5.09 66 5.13 5.03 4.68 4.80 67 5.77 5.55 4.91 5.20 67 5.27 5.15 4.76 4.91 68 5.95 5.69 4.97 5.32 68 5.42 5.29 4.83 5.02 69 6.14 5.84 5.03 5.45 69 5.58 5.42 4.90 5.14 70 6.34 5.99 5.08 5.58 70 5.75 5.57 4.97 5.27 71 6.55 6.14 5.13 5.72 71 5.94 5.73 5.03 5.40 72 6.78 6.30 5.18 5.86 72 6.14 5.89 5.09 5.54 73 7.02 6.46 5.23 6.02 73 6.36 6.06 5.15 5.69 74 7.28 6.63 5.27 6.18 74 6.60 6.23 5.21 5.85 75 7.55 6.80 5.31 6.34 75 6.86 6.42 5.25 6.02 76 7.84 6.97 5.34 6.52 76 7.13 6.61 5.30 6.20 77 8.16 7.15 5.37 6.71 77 7.43 6.80 5.34 6.39 78 8.49 7.32 5.40 6.90 78 7.75 7.00 5.37 6.59 79 8.85 7.50 5.42 7.11 79 8.10 7.20 5.40 6.80 80 9.24 7.67 5.44 7.32 80 8.47 7.40 5.43 7.02 81 9.65 7.84 5.46 7.55 81 8.87 7.60 5.45 7.26 82 10.09 8.01 5.47 7.79 82 9.31 7.79 5.47 7.51 83 10.55 8.17 5.49 8.04 83 9.79 7.99 5.48 7.77 84 11.05 8.32 5.49 8.31 84 10.31 8.17 5.49 8.05 85 11.58 8.47 5.50 8.59 85 10.87 8.35 5.50 8.36 -------------------------------------------------------------------------------------------------------------------------------- OPTION 6 (JOINT AND SURVIVOR LIFE ANNUITY) --------------------------------------------------------------------------------------------------------------------------- (*)ADJUSTED (*)ADJUSTED MALE AGE (*)ADJUSTED FEMALE FEMALE AGE 50 55 60 65 70 75 80 85 AGE --------------------------------------------------------------------------------------------------------------------------- 50 3.46 3.54 3.60 3.65 3.69 3.71 3.72 3.73 50 55 3.58 3.70 3.80 3.88 3.94 3.98 4.01 4.03 55 60 3.68 3.85 4.00 4.13 4.24 4.32 4.37 4.40 60 65 3.77 3.98 4.20 4.40 4.59 4.73 4.83 4.90 65 70 3.84 4.09 4.38 4.67 4.96 5.21 5.41 5.55 70 75 3.89 4.18 4.52 4.92 5.34 5.74 6.10 6.38 75 80 3.92 4.24 4.63 5.11 5.67 6.26 6.85 7.37 80 85 3.95 4.28 4.71 5.25 5.93 6.72 7.58 8.45 85 --------------------------------------------------------------------------------------------------------------------------- Information for ages or Annuity Options not shown will be furnished on request.-------------------------------------------------------------------------------------------------------------------------------

ANNUITY OPTION TABLES. The following tables are based on the 1983 Table "a" projected forward to 2000 for Individual Annuity Valuation with interest at 3%. MINIMUM GUARANTEED MONTHLY ANNUITY PAYMENT FOR EACH $1,000 APPLIED UNDER OPTION OPTION 2 (PAYMENTS FOR A FIXED PERIOD) ---------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------- YEARS EACH YEARS EACH YEARS EACH YEARS EACH PAYABLE PAYMENT PAYABLE PAYMENT PAYABLE PAYMENT PAYABLE PAYMENT ---------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------- 5 17.91 9 10.53 13 7.71 17 6.23 6 15.14 10 9.61 14 7.26 18 5.96 7 13.16 11 8.86 15 6.87 19 5.73 8 11.68 12 8.24 16 6.53 20 5.51 ---------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------- OPTION 3 (LIFE ANNUITY), OPTION 4 (LIFE ANNUITY WITH 10 OR 20 YEARS GUARANTEED) AND OPTION 5 (RETURN OF CONTRACT VALUE GUARANTEED) -------------------------------------------------------------------------------------------------------------------------------- (----------------------------------------------------------------------------------------------------------------------- *)ADJUSTED LIFE 10 YEARS 20 YEARS RETURN OF (*)ADJUSTED LIFE 10 YEARS 20 YEARS RETURN OF MALE AGE ANNUITY GUARANTEE GUARANTEE GUARANTEED GUARANTEED CONTRACT VALUE FEMALE AGE ANNUITY GUARANTEE GUARANTEE GUARANTEED GUARANTEED CONTRACT VALUE -------------------------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- 56 4.42 4.37 4.20 4.21 56 4.12 4.10 4.01 4.00 57 4.51 4.45 4.27 4.28 57 4.20 4.17 4.07 4.06 58 4.60 4.54 4.33 4.35 58 4.28 4.25 4.13 4.13 59 4.70 4.63 4.39 4.43 59 4.36 4.33 4.19 4.20 60 4.80 4.73 4.46 4.51 60 4.45 4.41 4.26 4.27 61 4.92 4.83 4.52 4.60 61 4.55 4.50 4.33 4.35 62 5.04 4.93 4.59 4.68 62 4.65 4.59 4.40 4.43 63 5.17 5.05 4.65 4.78 63 4.76 4.69 4.47 4.52 64 5.30 5.16 4.72 4.88 64 4.87 4.80 4.54 4.61 65 5.45 5.29 4.78 4.98 65 5.00 4.91 4.61 4.70 66 5.61 5.42 4.85 5.09 66 5.13 5.03 4.68 4.80 67 5.77 5.55 4.91 5.20 67 5.27 5.15 4.76 4.91 68 5.95 5.69 4.97 5.32 68 5.42 5.29 4.83 5.02 69 6.14 5.84 5.03 5.45 69 5.58 5.42 4.90 5.14 70 6.34 5.99 5.08 5.58 70 5.75 5.57 4.97 5.27 71 6.55 6.14 5.13 5.72 71 5.94 5.73 5.03 5.40 72 6.78 6.30 5.18 5.86 72 6.14 5.89 5.09 5.54 73 7.02 6.46 5.23 6.02 73 6.36 6.06 5.15 5.69 74 7.28 6.63 5.27 6.18 74 6.60 6.23 5.21 5.85 75 7.55 6.80 5.31 6.34 75 6.86 6.42 5.25 6.02 76 7.84 6.97 5.34 6.52 76 7.13 6.61 5.30 6.20 77 8.16 7.15 5.37 6.71 77 7.43 6.80 5.34 6.39 78 8.49 7.32 5.40 6.90 78 7.75 7.00 5.37 6.59 79 8.85 7.50 5.42 7.11 79 8.10 7.20 5.40 6.80 80 9.24 7.67 5.44 7.32 80 8.47 7.40 5.43 7.02 81 9.65 7.84 5.46 7.55 81 8.87 7.60 5.45 7.26 82 10.09 8.01 5.47 7.79 82 9.31 7.79 5.47 7.51 83 10.55 8.17 5.49 8.04 83 9.79 7.99 5.48 7.77 84 11.05 8.32 5.49 8.31 84 10.31 8.17 5.49 8.05 85 11.58 8.47 5.50 8.59 85 10.87 8.35 5.50 8.36 -------------------------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- OPTION 6 (JOINT AND SURVIVOR LIFE ANNUITY) --------------------------------------------------------------------------------------------------------------------------- (-------------------------------------------------------------------------------------------------------------- *)ADJUSTED (*)ADJUSTED MALE AGE (*)ADJUSTED FEMALE -------------------------------------------------------------------------------------- FEMALE AGE 50 55 60 65 70 75 80 85 AGE --------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------- 50 3.46 3.54 3.60 3.65 3.69 3.71 3.72 3.73 50 55 3.58 3.70 3.80 3.88 3.94 3.98 4.01 4.03 55 60 3.68 3.85 4.00 4.13 4.24 4.32 4.37 4.40 60 65 3.77 3.98 4.20 4.40 4.59 4.73 4.83 4.90 65 70 3.84 4.09 4.38 4.67 4.96 5.21 5.41 5.55 70 75 3.89 4.18 4.52 4.92 5.34 5.74 6.10 6.38 75 80 3.92 4.24 4.63 5.11 5.67 6.26 6.85 7.37 80 85 3.95 4.28 4.71 5.25 5.93 6.72 7.58 8.45 85 --------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------- Information for ages or Annuity Options not shown will be furnished on request.

ANNUITY OPTION TABLES. The following tables are based on the 1983 Table "a" projected forward to 2000 for Individual Annuity Valuation with interest at 3%. MINIMUM GUARANTEED MONTHLY ANNUITY PAYMENT FOR EACH $1,000 APPLIED UNDER OPTION OPTION 2 (PAYMENTS FOR A FIXED PERIOD) ---------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- YEARS EACH YEARS EACH YEARS EACH YEARS EACH PAYABLE PAYMENT PAYABLE PAYMENT PAYABLE PAYMENT PAYABLE PAYMENT ---------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 5 17.91 9 10.53 13 7.71 17 6.23 6 15.14 10 9.61 14 7.26 18 5.96 7 13.16 11 8.86 15 6.87 19 5.73 8 11.68 12 8.24 16 6.53 20 5.51 ---------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- OPTION 3 (LIFE ANNUITY), OPTION 4 (LIFE ANNUITY WITH 10 OR 20 YEARS GUARANTEED) AND OPTION 5 (RETURN OF CONTRACT VALUE GUARANTEED) -------------------------------------------------------------------------------------------------------------------------------- (------------------------------------------------------------------------------------------------------------------------- *)ADJUSTED LIFE 10 YEARS 20 YEARS RETURN OF (*)ADJUSTED LIFE 10 YEARS 20 YEARS RETURN OF MALE AGE ANNUITY GUARANTEE GUARANTEE GUARANTEED GUARANTEED CONTRACT VALUE FEMALE AGE ANNUITY GUARANTEE GUARANTEE GUARANTEED GUARANTEED CONTRACT VALUE -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- 56 4.42 4.37 4.20 4.21 56 4.12 4.10 4.01 4.00 57 4.51 4.45 4.27 4.28 57 4.20 4.17 4.07 4.06 58 4.60 4.54 4.33 4.35 58 4.28 4.25 4.13 4.13 59 4.70 4.63 4.39 4.43 59 4.36 4.33 4.19 4.20 60 4.80 4.73 4.46 4.51 60 4.45 4.41 4.26 4.27 61 4.92 4.83 4.52 4.60 61 4.55 4.50 4.33 4.35 62 5.04 4.93 4.59 4.68 62 4.65 4.59 4.40 4.43 63 5.17 5.05 4.65 4.78 63 4.76 4.69 4.47 4.52 64 5.30 5.16 4.72 4.88 64 4.87 4.80 4.54 4.61 65 5.45 5.29 4.78 4.98 65 5.00 4.91 4.61 4.70 66 5.61 5.42 4.85 5.09 66 5.13 5.03 4.68 4.80 67 5.77 5.55 4.91 5.20 67 5.27 5.15 4.76 4.91 68 5.95 5.69 4.97 5.32 68 5.42 5.29 4.83 5.02 69 6.14 5.84 5.03 5.45 69 5.58 5.42 4.90 5.14 70 6.34 5.99 5.08 5.58 70 5.75 5.57 4.97 5.27 71 6.55 6.14 5.13 5.72 71 5.94 5.73 5.03 5.40 72 6.78 6.30 5.18 5.86 72 6.14 5.89 5.09 5.54 73 7.02 6.46 5.23 6.02 73 6.36 6.06 5.15 5.69 74 7.28 6.63 5.27 6.18 74 6.60 6.23 5.21 5.85 75 7.55 6.80 5.31 6.34 75 6.86 6.42 5.25 6.02 76 7.84 6.97 5.34 6.52 76 7.13 6.61 5.30 6.20 77 8.16 7.15 5.37 6.71 77 7.43 6.80 5.34 6.39 78 8.49 7.32 5.40 6.90 78 7.75 7.00 5.37 6.59 79 8.85 7.50 5.42 7.11 79 8.10 7.20 5.40 6.80 80 9.24 7.67 5.44 7.32 80 8.47 7.40 5.43 7.02 81 9.65 7.84 5.46 7.55 81 8.87 7.60 5.45 7.26 82 10.09 8.01 5.47 7.79 82 9.31 7.79 5.47 7.51 83 10.55 8.17 5.49 8.04 83 9.79 7.99 5.48 7.77 84 11.05 8.32 5.49 8.31 84 10.31 8.17 5.49 8.05 85 11.58 8.47 5.50 8.59 85 10.87 8.35 5.50 8.36 -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------- OPTION 6 (JOINT AND SURVIVOR LIFE ANNUITY) --------------------------------------------------------------------------------------------------------------------------- (--------------------------------------------------------------------------------------------------------- *)ADJUSTED (*)ADJUSTED MALE AGE (*)ADJUSTED FEMALE ------------------------------------------------------------------------------------- FEMALE AGE 50 55 60 65 70 75 80 85 AGE --------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- 50 3.46 3.54 3.60 3.65 3.69 3.71 3.72 3.73 50 55 3.58 3.70 3.80 3.88 3.94 3.98 4.01 4.03 55 60 3.68 3.85 4.00 4.13 4.24 4.32 4.37 4.40 60 65 3.77 3.98 4.20 4.40 4.59 4.73 4.83 4.90 65 70 3.84 4.09 4.38 4.67 4.96 5.21 5.41 5.55 70 75 3.89 4.18 4.52 4.92 5.34 5.74 6.10 6.38 75 80 3.92 4.24 4.63 5.11 5.67 6.26 6.85 7.37 80 85 3.95 4.28 4.71 5.25 5.93 6.72 7.58 8.45 85 --------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Information for ages or Annuity Options not shown will be furnished on request.