Common use of Policy Fees Clause in Contracts

Policy Fees. No policy fees shall be paid under this Agreement. [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 45, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 90, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 45, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 90, Policy Years 1-20 [table deleted] [page break] SCHEDULE F: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES . [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Reinsured and the Reinsurer hereby agree to the following pursuant to Section 1.8482(g)(8) of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effect.

Policy Fees. No policy fees shall be paid under this Agreement. [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 45, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 90, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 45, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 90, Policy Years 1-20 [table deleted] [page break] SCHEDULE F: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES . [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Reinsured and the Reinsurer hereby agree to the following pursuant to Section 1.8482(g)(8) of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effect.

Policy Fees. No policy fees shall be paid under this Agreement. Agreement [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHDEULE D [page break] MassMutual’s 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] SCHEDULE FE: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] Reinsurance shall be on a self-administered by the Reinsured. The Reinsured shall maintain up-to-date records on business reinsured under the agreement sufficient for reporting new issues, renewals, deaths, lapses and other adjustments on each reinsured policy or rider and shall provide reports to the Reinsurer subsequent to the close of each month. The reports shall consist of sufficient detail for the Reinsurer to determine its amount risk on reinsured policies and riders and to verify reinsurance premiums. Reports provided shall be the following: Monthly Bordereau Detail Reports: New business and change reports shall be provided to the Reinsurer on a bordereau basis and include the following items: Policy Number Joint life information Name of the insured Policy face amount Sex Reinsurance amount(s) issued Date of Birth Retained amount Issue Age Reinsurance net amount at risk Policy Date Death benefit option Policy year Reinsurance premiums (first year and renewal) Policy Duration Reinsurance commission or allowances Transaction type* Policy fee Transaction effective date Premium taxes reimbursed Table rating Cash values reimbursed Flat extra amount and duration Dividends reimbursed Plan name or code Net amount due the Reinsurer or the Reinsured Underwriting classification *Transaction codes may be used to identify policy activity affecting reinsurance including new reinsurance issued, continuation of coverage, and policy movements or changes such as: Not takens Decrease in amount Surrender Cancellation of reinsurance Lapse Recapture Reinstatement Death Conversion Expiry Exchange Other changes Increase in amount Separate listings shall be provided for new issues, renewals, terminations, and other adjustments [page break] SCHEDULE GE: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES REINSURANCE REPORTS (Continued) Summary Reports Summary reports shall be provided to the Reinsured which include appropriate subtotals and totals of premiums, commissions and allowances, and premium tax by reporting category and in total. [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Policy exhibit summaries shall also be provided to the Reinsured showing the reinsured amounts at the beginning of the reporting period, any increases, decreases and terminations during the reporting period, and the Reinsurer hereby agree to reinsured amounts at the following pursuant to Section 1.8482(g)(8) end of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effectreporting period.

Policy Fees. No policy fees shall be paid under this Agreement. [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 45, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 90, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 45, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 90, Policy Years 1-20 [table deleted] [page break] SCHEDULE F: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES . [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Reinsured and the Reinsurer hereby agree to the following pursuant to Section 1.8482(g)(8) of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effect.

Policy Fees. No policy fees shall be paid under this Agreement. [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHDEULE D [page break] MassMutual’s 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] SCHEDULE FE: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] Reinsurance shall be on a self-administered by the Reinsured. The Reinsured shall maintain up-to-date records on business reinsured under the agreement sufficient for reporting new issues, renewals, deaths, lapses and other adjustments on each reinsured policy or rider and shall provide reports to the Reinsurer subsequent to the close of each month. The reports shall consist of sufficient detail for the Reinsurer to determine its amount risk on reinsured policies and riders and to verify reinsurance premiums. Reports provided shall be the following: Monthly Bordereau Detail Reports: New business and change reports shall be provided to the Reinsurer on a bordereau basis and include the following items: Policy Number Name of the insured Sex Date of Birth Issue Age Policy Date Policy year Policy Duration Transaction type* Transaction effective date Table rating Flat extra amount and duration Plan name or code Underwriting classification Joint life information Policy face amount Reinsurance amount(s) issued Retained amount Reinsurance net amount at risk Death benefit option Reinsurance premiums (first year and renewal) Reinsurance commission or allowances Policy fee Premium taxes reimbursed Cash values reimbursed Dividends reimbursed Net amount due the Reinsurer or the Reinsured *Transaction codes may be used to identify policy activity affecting reinsurance including new reinsurance issued, continuation of coverage, and policy movements or changes such as: Not takens Surrender Lapse Reinstatement Conversion Exchange Increase in amount Decrease in amount Cancellation of reinsurance Recapture Death Expiry Other changes Separate listings shall be provided for new issues, renewals, terminations, and other adjustments [page break] SCHEDULE GE: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES REINSURANCE REPORTS (Continued) Summary Reports Summary reports shall be provided to the Reinsured which include appropriate subtotals and totals of premiums, commissions and allowances, and premium tax by reporting category and in total. [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Policy exhibit summaries shall also be provided to the Reinsured showing the reinsured amounts at the beginning of the reporting period, any increases, decreases and terminations during the reporting period, and the Reinsurer hereby agree to reinsured amounts at the following pursuant to Section 1.8482(g)(8) end of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effectreporting period.

Policy Fees. No policy fees shall be paid under this Agreement. Agreement [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] SCHEDULE FE: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] Reinsurance shall be self-administered by the Reinsured. The Reinsured shall maintain up-to date records on business reinsured under the agreement sufficient for reporting new issues, renewals, deaths, lapses and other adjustments on each reinsured policy or rider and shall provide reports to the Reinsurer subsequent to the close of each month. The reports shall consist of sufficient detail for the Reinsurer to determine its amount risk on reinsured policies and riders and to verify reinsurance premiums. Reports provided shall be the following: Monthly Bordereau Detail Reports: New business and change reports shall be provided to the Reinsurer on a bordereau basis and include the following items: Policy Number Name of the insured Sex Date of Birth Issue Age Policy Date Policy year Policy Duration Transaction type* Transaction effective date Table rating Flat extra amount and duration Plan name or code Underwriting classification Joint life information Policy face amount Reinsurance amount(s) issued Retained amount Reinsurance net amount at risk Death benefit option Reinsurance premiums (first year and renewal) Reinsurance commission or allowances Policy fee Premium taxes reimbursed Cash values reimbursed Dividends reimbursed Net amount due the Reinsurer or the Reinsured *Transaction codes may be used to identify policy activity affecting reinsurance including new reinsurance issued, continuation of coverage, and policy movements or changes such as: Not takens Surrender Lapse Reinstatement Conversion Exchange Increase in amount Decrease in amount Cancellation of reinsurance Recapture Death Expiry Other changes Separate listings shall be provided for new issues, renewals, terminations, and other adjustments [page break] SCHEDULE GE: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES REINSURANCE REPORTS (Continued) Summary Reports Summary reports shall be provided to the Reinsured which include appropriate subtotals and totals of premiums, commissions and allowances, and premium tax by reporting category and in total. [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Policy exhibit summaries shall also be provided to the Reinsured showing the reinsured amounts at the beginning of the reporting period, any increases, decreases and terminations during the reporting period, and the Reinsurer hereby agree to reinsured amounts at the following pursuant to Section 1.8482(g)(8) end of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effectreporting period.

Policy Fees. No policy fees shall be paid under this Agreement. [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHDEULE D [page break] MassMutual’s 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] SCHEDULE FE: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] Reinsurance shall be on a self-administered by the Reinsured. The Reinsured shall maintain up-to-date records on business reinsured under the agreement sufficient for reporting new issues, renewals, deaths, lapses and other adjustments on each reinsured policy or rider and shall provide reports to the Reinsurer subsequent to the close of each month. The reports shall consist of sufficient detail for the Reinsurer to determine its amount risk on reinsured policies and riders and to verify reinsurance premiums. Reports provided shall be the following: Monthly Bordereau Detail Reports: New business and change reports shall be provided to the Reinsurer on a bordereau basis and include the following items: Policy Number Name of the insured Sex Date of Birth Issue Age Policy Date Policy year Policy Duration Transaction type* Transaction effective date Table rating Flat extra amount and duration Plan name or code Underwriting classification Joint life information Policy face amount Reinsurance amount(s) issued Retained amount Reinsurance net amount at risk Death benefit option Reinsurance premiums (first year and renewal) Reinsurance commission or allowances Policy fee Premium taxes reimbursed Cash values reimbursed Dividends reimbursed Net amount due the Reinsurer or the Reinsured * Transaction codes may be used to identify policy activity affecting reinsurance including new reinsurance issued, continuation of coverage, and policy movements or changes such as: Not takens Surrender Lapse Reinstatement Conversion Exchange Increase in amount Decrease in amount Cancellation of reinsurance Recapture Death Expiry Other changes Separate listings shall be provided for new issues, renewals, terminations, and other adjustments [page break] SCHEDULE GE: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES REINSURANCE REPORTS (Continued) Summary Reports Summary reports shall be provided to the Reinsured which include appropriate subtotals and totals of premiums, commissions and allowances, and premium tax by reporting category and in total. [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Policy exhibit summaries shall also be provided to the Reinsured showing the reinsured amounts at the beginning of the reporting period, any increases, decreases and terminations during the reporting period, and the Reinsurer hereby agree to reinsured amounts at the following pursuant to Section 1.8482(g)(8) end of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effectreporting period.

Policy Fees. No policy fees shall be paid under this Agreement. Agreement [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHDEULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 450-40, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 41-80, Policy Years 1-20 [table deleted] SCHEDULE D [page break] MassMutual’s 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 81-90, Policy Years 1-20 [table deleted] SCHEDULE D [page break] SCHEDULE FE: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] Reinsurance shall be on a self-administered by the Reinsured. The Reinsured shall maintain up-to-date records on business reinsured under the agreement sufficient for reporting new issues, renewals, deaths, lapses and other adjustments on each reinsured policy or rider and shall provide reports to the Reinsurer subsequent to the close of each month. The reports shall consist of sufficient detail for the Reinsurer to determine its amount risk on reinsured policies and riders and to verify reinsurance premiums. Reports provided shall be the following: Monthly Bordereau Detail Reports: New business and change reports shall be provided to the Reinsurer on a bordereau basis and include the following items: Policy Number Name of the insured Sex Date of Birth Issue Age Policy Date Policy year Policy Duration Transaction type* Transaction effective date Table rating Flat extra amount and duration Plan name or code Underwriting classification Joint life information Policy face amount Reinsurance amount(s) issued Retained amount Reinsurance net amount at risk Death benefit option Reinsurance premiums (first year and renewal) Reinsurance commission or allowances Policy fee Premium taxes reimbursed Cash values reimbursed Dividends reimbursed Net amount due the Reinsurer or the Reinsured *Transaction codes may be used to identify policy activity affecting reinsurance including new reinsurance issued, continuation of coverage, and policy movements or changes such as: Not takens Surrender Lapse Reinstatement Conversion Exchange Increase in amount Decrease in amount Cancellation of reinsurance Recapture Death Expiry Other changes Separate listings shall be provided for new issues, renewals, terminations, and other adjustments [page break] SCHEDULE GE: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES REINSURANCE REPORTS (Continued) Summary Reports Summary reports shall be provided to the Reinsured which include appropriate subtotals and totals of premiums, commissions and allowances, and premium tax by reporting category and in total. [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Policy exhibit summaries shall also be provided to the Reinsured showing the reinsured amounts at the beginning of the reporting period, any increases, decreases and terminations during the reporting period, and the Reinsurer hereby agree to reinsured amounts at the following pursuant to Section 1.8482(g)(8) end of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effectreporting period.

Policy Fees. No policy fees shall be paid under this Agreement. [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 0 – 45, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 MALE Issue Age 46 – 90, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 0 – 45, Policy Years 1-20 [table deleted] [page break] MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 FEMALE Issue Age 46 – 90, Policy Years 1-20 [table deleted] [page break] SCHEDULE F: REINSURANCE REPORTS MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] MASSMUTUAL BILLING STATEMENT [table deleted] [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES . [page break] SCHEDULE G: SELECT PREFERRED CLASS UNDERWRITING GUIDELINES (CONTINUED) BUILD CHART – LIFE MEN & WOMEN – AGES 18 AND OVER [table deleted] [page break] SCHEDULE H: DAC TAX SCHEDULE Section 1.848-2(g) (8) Election The Reinsured and the Reinsurer hereby agree to the following pursuant to Section 1.8482(g)(8) of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1998 and for all subsequent taxable years for which this Agreement remains in effect.