Common use of INCOME PROGRAM Clause in Contracts

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ ------------------------------------------ -------------------- GMIB All Products sold prior to 35 February 15, 2003 GMIB and GMIB II Plan codes BN2103, CS5103, CS51R3, 45 LS4103, LS41R3, LS4104, LS41R4, ST1103, ST11R3, ST11X3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products sold after February 14, 50 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus I All Products sold after April 30, 2005 and 75 before February 26, 2007, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products sold after April 30, 2005 and 100 before February 26, 2007, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 26, 80 GMIB Plus II 2007 and on or before February 20, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 26, 120 GMIB Plus II 2007 and on or before February 20, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 20, 100 GMIB Plus II 2009 and before May 4, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 20, 120 GMIB Plus II 2009 and before May 4, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus II and All Products sold on or after May 4, 2009. 100 GMIB Plus III

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ ------------------------------------------ ------------------------------- ---------------------------------------------- -------------------- GMIB All Products sold issued prior to 35 February 15, 2003 35.00 GMIB and GMIB II Plan codes BN2103, BN21M3, CS5103, CS51R3CS51M3, 45 45.00 CS51R3,CS53R3, LS4103, LS4104,LS41M3, LS41R3, LS4104XX00X0, LS41R4XX00X0, ST1103, ST11M3, ST11R3, ST11X3, ST13R3, ST1AG4, ST1AR4, and ST1NA4 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products sold issued after February 14, 50 50.00 2003 and before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus I All Products Products, except Marquis Portfolio, sold after April 30, 2005 and 75 before February 26, 2007, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products sold after April 30, 2005 and 100 before February 26, 2007, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 26, 80 GMIB Plus II 2007 and 75.00 on or before February 20, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold 115.00 on or before February 20, 2009, for which the contract's Income Base is increased due to an Annual Step- Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold 95.00 after February 20, 2009 and before May 04, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products Products, except Marquis Portfolio, sold 115.00 after February 20, 2009 and before May 04, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products, except Marquis Portfolio, sold 95.00 on or after February 26May 04, 120 2009. GMIB Plus II 2007 III All Products, except Marquis Portfolio, sold 95.00 on or after July 19, 2010 and on or before April 29, 2011 GMIB Plus III All Products, except Marquis Portfolio, sold 100.00 after April 29, 2011 GMIB Max All products, except Marquis Portfolio 100.00 GMIB Plus IV and GMIB Only Applies to VA, L, C, S & VA-4 Class 100.00 Xxx XX Products GMIB Max III Only Applies to A, VA, L, C, S & VA-4 Class 100.00 Products GMIB Xxx XX Only Applies to O, VA, S & VA-4 Class 100.00 Products GMIB Plus I Marquis Portfolio sold on or before February 90.00 20, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Marquis Portfolio sold on or before February 130.00 20, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products Marquis Portfolio sold on or after February 20, 100 GMIB Plus II 110.00 2009 and before May 404, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products Marquis Portfolio sold on or after February 20, 120 GMIB Plus II 130.00 2009 and before May 404, 2009, for which the contract's Income Base is increased due to an Annual Step-Step- Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus II and All Products I Marquis Portfolio sold on or after May 404, 2009. 100 110.00 2009 GMIB Plus IIIIII Marquis Portfolio sold on or after July 19, 110.00 2010 and on or before April 29, 2011 GMIB Plus III Marquis Portfolio sold after April 29, 2011 115.00

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ ------------------------------------------ -------------------- -------------- ---------------- --------------- GMIB All Products sold prior to 35 February 15, 2003 35 GMIB and GMIB II Plan codes BN2103125080, CS5103125090, CS51R3125180, 125190, 1250A0, 45 LS41031250A1, LS41R31250B0, LS41041250B1, LS41R41250C0, ST11031250C1, ST11R31250D0, ST11X31250D1, ST1AG41250E0, ST1AR41250E1, 1250F0, 1250F1, 1250L0, 1250L1, 1250P0, 1250P1, 1251A0, 1251B0, 1251F0, and ST1NA4 1251P0 sold after April 30, 2003 and before May 1, 2005 if GMDB program is Annual Step or Max of Annual Step and Rollup GMIB and GMIB II All other Products sold after February 14, 50 2003 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus I Plus: Forms All Products sold after April 30, 2005 and before 75 before NEL-560-2 and NL- February 26, 2007, for which the contract's Income Base 560-4 is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after April 30, 2005 and before 100 NEL-560-2 and NL- February 26, 2007, for which the contract's Income Base 560-4 is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold on or after February 26, 2007 and on or 80 NEL-560-2 and NL- before February 20, 2009, for which the contract's 560-4 Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold on or after February 26, 2007 and on or 120 NEL-560-2 and NL- before February 20, 2009, for which the contract's 560-4 Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after February 20, 2009 and before 100 NEL-560-2 and NL- May 4, 2009, for which the contract's Income Base is not 560-4 increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus: Forms All Products sold after February 20, 2009 and before 120 NEL-560-2 and NL- May 4, 2009, for which the contract's Income Base is 560-4 increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) -------------- ---------------- --------------- GMIB Plus: Forms All Products sold on or after May 4, 2009. 100 NEL-560-2 and NL- 560-4 GMIB Plus: Form NL- All Products sold on or before February 20, 2009, 75 560-5 (7/08) for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I Plus: Form NL- All Products sold after April 30, 2005 and 100 on or before February 2620, 20072009, for 115 560-5 (7/08) which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and Plus: Form All Products sold on or after February 26, 80 GMIB Plus II 2007 and on or before February 20, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 26, 120 GMIB Plus II 2007 and on or before February 20, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products sold on or after February 20, 100 GMIB Plus II 2009 and before 95 NL-560-5 (7/08) May 4, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and Plus: Form All Products sold on or after February 20, 120 GMIB Plus II 2009 and before 115 NL-560-5 (7/08) May 4, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus II and Plus: Form NL All Products sold on or after May 4, 2009. 100 GMIB Plus III95 560-5 (7/08)

INCOME PROGRAM. REINSURANCE PREMIUM INCOME PROGRAM PRODUCTS COVERED (BASIS POINTS) ------------------------------ ------------------------------------------ -------------------- --------------------- --------------------------------------------------- ------------------- GMIB All Products sold prior to 35 February 15, 2003 35 GMIB and GMIB II Plan codes BN2103BN2203, CS5103BN22M3, CS51R3CS5203, CS52M3, 45 LS4103CS52R3, LS41R3CS53MR, LS4104LS4203, LS41R4LS4204, ST1103LS42M3, ST11R3LS42R3, ST11X3LS42R4, ST1AG4LS43MR, ST1AR4ST1203, and ST1NA4 sold after April 30ST12M3, XX00X0, XX00X0, xxx XX00XX xxxx xxxxx Xxxxx 00, 2003 and before May 1, 2005 if GMDB program is Annual Step Step-Up or Max Greater of Annual Step Step-Up and 5% Rollup GMIB and GMIB II All other Products sold after February 14, 50 2003 and 50 before May 1, 2005 and for All Products sold after April 30,2005 GMIB Plus I All Products sold after April 30, 2005 and before 75 before February 26, 2007, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I All Products sold after April 30, 2005 and before 100 before February 26, 2007, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and GMIB All Products Products, except Marquis Portfolio, sold on or 80 Plus II after February 26, 80 GMIB Plus II 2007 and on or before February 20, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and GMIB All Products Products, except Marquis Portfolio, sold on or 120 Plus II after February 26, 120 GMIB Plus II 2007 and on or before February 20, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. later GMIB Plus I and All Products GMIB Marquis Portfolio sold on or after before February 20, 100 GMIB 95 Plus II 2009 and before May 4, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus I and All Products GMIB Marquis Portfolio sold on or after before February 20, 120 135 Plus II 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus II All Products, except Marquis Portfolio, sold after 100 February 20, 2009 and before May 04, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus II All Products, except Marquis Portfolio, sold after 120 February 20, 2009 and before May 4, 2009, for which the contract's Income Base is increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus II Marquis Portfolio sold after February 20, 2009 and 115 before May 4, 2009, for which the contract's Income Base is not increased due to an Annual Step-Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus II Marquis Portfolio sold after February 20, 2009 and 135 before May 4, 2009, for which the contract's Income Base is increased due to an Annual Step- Up on a contract anniversary occurring on July 1, 2012 or later. GMIB Plus II and GMIB All Products Products, except Marquis Portfolio, sold on or 100 Plus III after May 4, 2009. GMIB Plus II and GMIB Marquis Portfolio, sold on or after May 4, 2009. 100 GMIB 115 Plus III