ANNUITY SETTLEMENT TABLES Clause Samples

ANNUITY SETTLEMENT TABLES. AMOUNTS PAYABLE For Options 1 and 2, we will use the table below to compute the minimum amount of the annuity payment. If the Annuity Date is not a Contract Anniversary, we will adjust the amounts accordingly. When we computed the amounts we show in the Option 2 Table, we adjusted the 1983 Table a to an age last birthday basis, less three years; we used an interest rate of 3 1/2% per year. If the age is over 80, the rate for age 80 will be used. OPTION 1 TABLE MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, THE FIRST OPTION 2 TABLE PAYABLE IMMEDIATELY Amount of Annuity Payment for Number Monthly each $1,000 applied on the Annuity Date of Years Payment Age Male Female Age Male Female 1 $84.65 41 $3.88 $3.67 61 $5.25 $4.79 2 43.05 42 3.92 3.70 62 5.36 4.89 3 2919 43 3.97 3.74 63 5.48 4.98 4 22.27 44 4.01 3.78 64 5.60 5.09 5 45 4.06 3.82 65 5.73 5.20 46 4.12 3.86 66 5.87 5.31 6 15.35 47 4.17 3.90 67 6.01 5.43 7 13.38 48 4.23 3.94 68 6.15 5.56 8 11.90 49 4.28 3.99 69 6.30 5.70 9 10.75 50 4.35 4.04 70 6.46 5.84 10 9.83 51 4.41 4.09 71 6.62 5.99 52 4.48 4.15 72 6.79 6.15 11 9.09 53 4.55 4.21 73 6.96 6.31 12 8.46 54 4.62 4.27 74 7.13 6.49 13 7.94 55 4.70 4.33 75 7.30 6.67 14 7.49 56 4.78 4.40 76 7.48 6.85 15 7.10 57 4.86 4.47 77 7.66 7.04 58 4.95 4.54 78 7.83 7.24 16 6.76 59 5.05 4.62 79 8.00 7.44 17 6.47 60 5.15 4.71 80 8.17 7.64 18 6.20 19 5.97 20 5.75 21 5.56 22 5.39 23 5.24 24 5.09 25 4.96

ANNUITY SETTLEMENT TABLES. Tables 1 and 2 below are applied to the Adjusted Contract Value to compute the minimum amount of the annuity payment. Table 1 is used to compute the minimum annuity payment under Option 1 (Fixed Period Annuity Option). Table 2 is used to compute the minimum annuity payment under Option 2 (Life Income Annuity Option). If the GMIB was elected, Table 2 or Table 3, as applicable, is applied to the GMIB Protected Value to compute the GMIB payout amount. Table 2 is used to compute the GMIB payout amount when annuitization occurs on or immediately after Contract Anniversaries 10 through 14, with 120 payments certain. Table 3 is used to compute the GMIB payout amount when annuitization occurs on or immediately after Contract Anniversaries 15 or later, with 120 payments certain. For annuitants of attained age 81 or more, the certain period is less than 10 years. The rates in Tables 1, 2 and 3 are applied per $1000 of Adjusted Contract Value or GMIB Protected Value, as applicable. The annuity payments in Tables 2 and 3 are based on the Annuitant's Adjusted Age and sex. The Adjusted Age is the Annuitant's age last birthday prior to the date on which the first Annuity payment is due, adjusted as shown in the "Translation of Adjusted Age" Table. When we computed the amounts shown in Tables 2 and 3, we adjusted the Annuity 2000 Mortality Table to an age last birthday basis, less two years, with projected mortality improvements (modified Scale G). We used an interest rate of 3% per year in preparing Table 2; we used an interest rate of 3 1/2% in preparing Table 3. We will calculate annuities for other certain periods using the same interest and mortality assumptions as in Tables 2 and 3.

ANNUITY SETTLEMENT TABLES. 16 OWNER: [▇▇▇▇ ▇▇▇] SEX: [M] AGE AT ISSUE: [35] JOINT OWNER: [▇▇▇▇ ▇▇▇] SEX: [F] AGE AT ISSUE: [35] ANNUITANT: [▇▇▇▇ ▇▇▇] SEX: [M] AGE AT ISSUE: [35] CO-ANNUITANT: [▇▇▇▇ ▇▇▇] SEX: [F] AGE AT ISSUE: [35] CONTRACT NUMBER: [12345] CONTRACT DATE: [September 1, 2002] PLAN TYPE: [Non-Qualified] ANNUITY DATE: [September 1, 2062] INITIAL PURCHASE PAYMENT: [$5,000.00] INITIAL PURCHASE PAYMENT LIMIT: The initial Purchase Payment made into this Contract may not exceed $5,000,000. Purchase Payments of greater value may be allowed with our prior approval. AGGREGATE PURCHASE PAYMENT LIMIT: The total of all Purchase Payments made into this Contract may not exceed $10,000,000. Purchase Payments of greater value may be allowed with our prior approval. INITIAL GUARANTEED INTEREST RATE: [xxxxx]% annually for the first [1-10] Contract Years In the first Contract Year, we will increase the initial Guaranteed Interest Rate based on the amount of the initial Purchase Payment. An Additional Interest Rate Credit is not available for a one-year or three-year Guaranteed Interest Rate Period. The Additional Interest Rate Credit is based on the initial Purchase Payment, and is equal to the corresponding percentage listed below. [INITIAL PURCHASE ADDITIONAL INTEREST RATE PAYMENT AMOUNT CREDIT PERCENTAGE ----------------- ------------------------ $0 - $24,999 0.0% $25,000 - $74,999 0.5% $75,000 + 1.0%] [The interest rate credited to the Contract will be [x%] less than the rate that would be credited if the Contract did not contain an Additional Interest Rate Credit. This reduction in the interest rate will remain in effect for [5-10 years.]

ANNUITY SETTLEMENT TABLES. 15 CONTRACT DATA OWNER: MAR▇▇ ▇. BER▇▇ ▇ SEX: M AGE AT ISSUE: 34 ANNUITANT: MAR▇▇ ▇. BER▇▇ ▇ SEX: M AGE AT ISSUE: 34

ANNUITY SETTLEMENT TABLES. 15 CONTRACT DATA OWNER: ▇▇▇▇▇▇ ▇▇▇▇▇▇ SEX: M AGE AT ISSUE: 43 ANNUITANT: ▇▇▇▇▇▇ ▇▇▇▇▇▇ SEX: M AGE AT ISSUE: 43 CO-ANNUITANT: NONE SEX: AGE AT ISSUE: CONTRACT NUMBER: E0024111 CONTRACT DATE: April 12, 2000 PLAN TYPE: NON-QUALIFIED ANNUITY DATE: April 12, 2047 MINIMUM SUBSEQUENT PURCHASE PAYMENT: $1,000. For IRA contracts, the Minimum Subsequent Purchase Payment is $1,000. The Minimum Subsequent Purchase Payment for automatic purchase plans, if available, is $100. ANNUAL PURCHASE PAYMENT LIMITS: The total of all Purchase Payments (net of Purchase Payments withdrawn) made into this Contract in the first Contract Year may not exceed $7,000,000. The total of all Purchase Payments (net of Purchase Payments withdrawn) made into this Contract in any Contract Year after the first Contract Year may not exceed $2,000,000. Purchase Payments of greater value may be allowed with our prior approval. AGGREGATE PURCHASE PAYMENT LIMIT: The total of all Purchase Payments (net of Purchase Payments withdrawn) made into this Contract may not exceed $7,000,000. Purchase Payments of greater value may be allowed with our prior approval.

ANNUITY SETTLEMENT TABLES. 16 MVA-2002 NY CONTRACT DATA OWNER: [John Doe] SEX: [M] AGE AT ISSUE: [35]

ANNUITY SETTLEMENT TABLES. Tables 1 and 2 below are applied to the Adjusted Contract Value to compute the minimum amount of the annuity payment. Table 1 is used to compute the minimum annuity payment under Option 1 (Fixed Period Annuity Option). Table 2 is used to compute the minimum annuity payment under Option 2 (Life Income Annuity Option). The rates in Tables 1 and 2 are applied per $1000 of Adjusted Contract Value as applicable. The annuity payments in Table 2 are based on the Annuitant's Adjusted Age and sex. The Adjusted Age is the Annuitant's age last birthday prior to the date on which the first Annuity payment is due, adjusted as shown in the "Translation of Adjusted Age" Table. When we computed the amounts shown in Table 2 we adjusted the Annuity 2000 Mortality Table to an age last birthday basis, less two years, with projected mortality improvements (modified Scale G). We will calculate annuity payments for other certain periods using the same interest and mortality assumptions as in Table 2.

ANNUITY SETTLEMENT TABLES. Tables 1 and 2 below are applied to the Adjusted Contract Value to compute the minimum amount of the annuity payment. Table 1 is used to compute the minimum annuity payment under Option 1 (Fixed Period Annuity Option). Table 2 is used to compute the minimum annuity payment under Option 2 (Life Income Annuity Option). The rates in Table 1 and 2 are applied per $1,000 of Adjusted Contract Value. We used an interest rate of 1.5% per year in preparing Table 1, and an interest rate of 3% per year in preparing Table 2. Table 2 assumes 120 payments certain. The annuity payments in Table 2 are based on the Annuitant's Adjusted Age and sex. The Adjusted Age is the Annuitant's age last birthday prior to the date on which the first Annuity payment is due, adjusted as shown in the "Translation of Adjusted Age" Table. When we computed the amounts shown in Table 2, we adjusted the Annuity 2000 Mortality Table to an age last birthday basis, less two years, with projected mortality improvements (modified Scale G). TABLE 1 Number of Monthly Number of Monthly Number of Monthly Number of Monthly Years Payment Years Payment Years Payment Years Payment ----- ------- ----- ------- ----- ------- ----- ------- 1 $83.90 8 $11.04 14 $6.59 20 $4.81 2 42.26 9 9.89 15 6.20 21 4.62 3 28.39 10 8.96 16 5.85 22 4.44 4 21.45 11 8.21 17 5.55 23 4.28 5 17.28 12 7.58 18 5.27 24 4.13 6 14.51 13 7.05 19 5.03 25 3.99 7 12.53 In using Table 1, multiply the monthly payment by 2.996 for quarterly payments, 5.981 for semi-annual Payments, or 11.919 for annual payments

ANNUITY SETTLEMENT TABLES. 24] OWNER: [▇▇▇▇ ▇▇▇] SEX: [M] AGE AT ISSUE: [35] JOINT OWNER: [▇▇▇▇ ▇▇▇] SEX: [F] AGE AT ISSUE: [35] ANNUITANT: [▇▇▇▇ ▇▇▇] SEX: [M] AGE AT ISSUE: [35] CO-ANNUITANT: [▇▇▇▇ ▇▇▇] SEX: [F] AGE AT ISSUE: [35] CONTRACT NUMBER: [12345] CONTRACT DATE: [May 1, 2003] PLAN TYPE: [Non-Qualified] ANNUITY DATE: [May 1, 2063] MINIMUM SUBSEQUENT PURCHASE PAYMENT: $500. A lesser Minimum Subsequent Purchase Payment may apply to any available payroll deduction plan or other automatic purchase plan. ANNUAL PURCHASE PAYMENT LIMITS: The total of all Purchase Payments made into this Contract in the first Contract Year may not exceed $20,000,000. The total of all Purchase Payments made into this Contract in any Contract Year after the first Contract Year may not exceed $2,000,000. Purchase Payments of greater value may be allowed with our prior approval. AGGREGATE PURCHASE PAYMENT LIMIT: The total of all Purchase Payments made into this Contract may not exceed $20,000,000. Purchase Payments of greater value may be allowed with our prior approval.