Schedule I (Annuity) to Broker-Dealer and General Agent Sales Agreement. Annuity Product Offerings Effective Date: November 18, 2013

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1 Schedule I (Annuity) to Broker-Dealer and General Agent Sales Agreement Annuity Product Offerings Structured Capital Strategies SM Series B Certificate Form Number: 2010PCSBASE-A/B Contract Form Number: 2010PCSBASE-I-A/B Data Pages Form Numbers: 2010PCSDP-B Structured Capital Strategies SM (Non-Qualified) Structured Capital Strategies SM (Traditional IRA) Structured Capital Strategies SM (Roth IRA) Structured Capital Strategies SM Series C Certificate Form Number: 2010PCSBASE-A/B Contract Form Number: 2010PCSBASE-I-A/B Data Pages Form Numbers: 2010PCSDP-C Structured Capital Strategies SM (Non-Qualified) Structured Capital Strategies SM (Traditional IRA) Structured Capital Strategies SM (Roth IRA) Retirement Cornerstone SM 13.0 Series B Certificate Form Number: ICC12BASE4 Contract Form Number: ICC11 App 02 RC12 Data Pages Form Number: ICC12RC13DPB Retirement Cornerstone SM 13.0 Series B (Non-Qualified) Retirement Cornerstone SM 13.0 Series B (Traditional IRA) Retirement Cornerstone SM 13.0 Series B (Roth IRA) Retirement Cornerstone SM 13.0 Series B (QP Defined Contribution and Defined Benefit) Retirement Cornerstone SM 13.0 Series B (Inherited IRA Traditional and Roth IRA) Retirement Cornerstone SM 13.0 Series CP Certificate Form Number: ICC12BASE4 Contract Form Numbers: ICC11 App 02 RC12 Data Pages Form Number: ICC12RC12DPCP Retirement Cornerstone SM 13.0 Series CP (Non-Qualified) Retirement Cornerstone SM 13.0 Series CP (Traditional IRA) Retirement Cornerstone SM 13.0 Series CP (Roth IRA) Retirement Cornerstone SM 13.0 Series CP (QP Defined Contribution and Defined Benefit) Retirement Cornerstone SM 13.0 Series L Certificate Form Number: ICC12BASE4 Contract Form Numbers: ICC11 App 02 RC12 Data Pages Form Number: ICC12RC13DPL Retirement Cornerstone SM 13.0 Series L (Non-Qualified) Retirement Cornerstone SM 13.0 Series L (Traditional IRA) Retirement Cornerstone SM 13.0 Series L (Roth IRA) Retirement Cornerstone SM 13.0 Series L (QP Defined Contribution and Defined Benefit) Retirement Cornerstone SM 13.0 Series L (Inherited IRA Traditional and Roth IRA)

2 Schedule I (Annuity) to Broker-Dealer and General Agent Sales Agreement Annuity Product Offerings Compensation for Investment Edge SM Certificate Form Number: ICC13IEBASE2 Contract Form Number: ICC13 App 02 IE Data Pages Form Number: ICC13DPB-IE Investment Edge SM (NQ) Investment Edge SM (Traditional IRA and Roth IRA) Investment Edge SM (QP Defined Contribution and Defined Benefit) Investment Edge SM (Inherited IRA Traditional and Roth IRA) Compensation for Investment Edge SM Select Certificate Form Number: ICC13IEBASE1 Contract Form Numbers: ICC13 App 02 IE Data Pages Form Number: ICC13DPC-IE Investment Edge Select SM (NQ) Investment Edge Select SM (Traditional IRA and Roth IRA)

3 Schedule II (Annuity) to Broker-Dealer and General Agent Sales Agreement Compensation for Annuity Contracts This Schedule II (Annuity) establishes the compensation arrangements for the Contracts described below. (All defined terms used herein shall, unless otherwise defined herein, have the meaning given such terms of the Selling Agreement.) Compensation for Annuity Contracts Compensation shall be paid on a Contract by Contract basis for each annuity Contract in accordance with the following compensation schedules attached hereto: Contract Structured Capital Strategies SM Series B Structured Capital Strategies SM Series C Retirement Cornerstone SM 13.0 Series B Retirement Cornerstone SM 13.0 Series CP Retirement Cornerstone SM 13.0 Series L Investment Edge SM Investment Edge SM Select Compensation Schedule Schedule II.45 (Annuity) Schedule II.46 (Annuity) Schedule II.50 (Annuity) Schedule II.51 (Annuity) Schedule II.52 (Annuity) Schedule (Annuity) Schedule (Annuity) If different compensation options are offered in the compensation schedule for a particular Contract, the General Agent must elect a compensation option at the time the application for the Contract is submitted to the Company. If no election is made at such time, the General Agent will be deemed to have elected Option I in respect of such Contract. Calculating Contribution Based Compensation As used in the attached compensation schedules, Aggregate Compensation is the sum of Base Compensation and Contribution Based Expense Allowance. Aggregate Compensation, Base Compensation and Contribution Based Expense Allowance will be calculated with respect to any Contract as a percentage of Contributions actually received from time to time by the Company and will be payable from time to time following receipt of the relevant Contribution. Reference, if any, in a compensation schedule to a Contract Year will mean the one-year period beginning on the Register Date specified in the Contract in question or on any anniversary date thereof.

4 Computation of Trail Compensation Trails, if any, provided in a compensation schedule for a Contract will be paid, unless otherwise specified, quarterly following the end of each calendar quarter, subsequent to the first anniversary of the Register Date of such Contract. Trails will be calculated with respect to any Contract as a percentage of the Annuity Account Value of such Contract at the end of each calendar quarter, including FMOs adjusted to market value but excluding Contributions received by the Company during the twelve (12) month period ending at the same time as such calendar quarter. The percentage used to calculate each quarterly payment will be the percentage for such quarter shown on the Product Compensation Schedule if such percentage is identified thereon as quarterly or 25% of the percentage for the current year if such percentage is identified thereon as an annual percentage. Reference, if any, in a compensation schedule to the CWC period will mean the period during which a contingent withdrawal charge is applicable under the terms of a Contract. Special Compensation Provisions Special compensation provisions set forth in the attached compensation schedules may apply with respect to specific Contracts. In the event of any inconsistency between the general provisions of this Schedule II and the provisions of any attached compensation schedule, the provisions of the compensation schedule will apply. Maximum Compensation Notwithstanding anything to the contrary herein or in the compensation schedules attached hereto or the Agreement of which this Schedule II is a part, all commissions, expense allowances, trails and other compensation provided for herein shall be subject to and paid in accordance with Section 4228 of the New York Insurance Law and the regulations thereunder, and neither the Company nor the Distributor shall have any obligation to pay any compensation in excess of the limits established thereunder. All sums, if any, paid under the Agreement in excess of the limits provided in Section 4228 shall be promptly returned to the Distributor upon demand. Return of Compensation in Specific Circumstances In the event that a Contribution is returned because the Company rejects the application for a Contract or because the Contribution, or the related application, is not timely received by the Company as required herein, or a refund is made because a purchaser exercises his or her free look right under a Contract, or the Company or the Distributor learns that information was omitted or falsified in an application or that there was any other abuse, including abuse to the Company, in connection with the sale of the Contract, then, in any such event, upon request from the Distributor, the General Agent shall promptly repay to the Distributor any and all compensation received by the General Agent, based on all Contributions paid into the Contract. Using withdrawals from Company contracts or policies directly or indirectly to enable customers to make contributions to new or existing Contracts, except to exercise an annuitization right, will be deemed to be abuses for the purposes of this section. Offsets Distributor shall have the right to collect from General Agent or to withhold from future payments of compensation due to General Agent under the Agreement an amount equal to any return or reduction in compensation effected by Schedule II, as modified and amended hereby, to the extent permitted by applicable law; provided however, that this option on the part of Distributor shall not prevent both Distributor and General Agent or either of them from pursuing any other means or remedies available to them to recover such compensation.

5 Compensation on Exchanges & Replacements Except as otherwise provided in this Schedule II, no compensation will be paid under this Agreement on a Contract if another insurance policy or annuity contract issued by the Company or any affiliate thereof is surrendered or exchanged in order to purchase such Contract. Notwithstanding the foregoing, if any Variable Annuity Contract is surrendered or exchanged for an Income Manager Payout Annuity Contract pursuant to an exchange option in the Contract (other than a Guaranteed Minimum Income Benefit exchange option), compensation will be paid on the new Payout Annuity Contract in accordance with the exchange compensation schedule for Payout Annuities elsewhere in Schedule II. In the event an annuity contract of the Company is surrendered or exchanged in order to purchase a Contract, compensation will only be due and payable hereunder on account of the increase in Contributions funded with new money (i.e., not values from the contract being replaced). Beneficiary Continuation Option (BCO) under IRA and NQ Variable Annuity Products The Distributor will pay the General Agent compensation on all Variable Annuity Series Rollover IRA, Flexible Premium IRA/Roth IRA, Roth Conversion IRA, and NQ Contracts when a beneficiary elects to continue the Variable Annuity Contract under the Distributor s BCO feature (thereafter a "BCO Contract"). The Distributor will pay 1.50% of the Annuity Account Value of a BCO Contract following receipt of all BCO election paperwork and processing. There will be a 100% commission recovery upon surrender within twelve calendar months after the BCO election has been processed. If the BCO Option is elected, the Distributor will also pay trail compensation (the "BCO Trail") on each BCO Contract as follows: (a) If the General Agent elected (or was deemed to have elected) an Option containing no trail compensation when the Contract was originally issued, the Distributor will pay trail compensation ( Floor BCO Trail ) on the BCO Contract following each calendar quarter, beginning with the first calendar quarter after the first anniversary following the processing of the BCO election, at the rate of 0.30% per annum (0.075% per quarter) of the Annuity Account Value of the BCO Contract (including FMO s adjusted to market value) at the end of such quarter. (b) If the General Agent elected an Option containing trail compensation when the Contract was originally issued ( Original Trail ), the Distributor will pay BCO Trail on the BCO Contract following each calendar quarter, beginning with the calendar quarter in which the deceased owner died, equal to the greater of (i) the Original Trail, if any, that would have been paid following such quarter pursuant to the Option originally elected and (ii) the Floor BCO Trail; provided, however, that if no Original Trail would have been paid on the Contract following any such quarter, no Floor BCO Trail will be paid on the BCO Contract for any such quarter prior to the first calendar quarter after the first anniversary following the processing of the BCO election. BCO Trail will be paid on BCO Contracts whether or not the General Agent elected to receive trails when the Variable Annuity Contract was originally issued and will replace the original trail elected by the General Agent at the time the Contract was issued, if any, except as described above.

6 Successor Owner/Annuitant (SOA) Compensation The Distributor will pay the General Agent compensation on all Variable Annuity Series Rollover IRA, Flexible Premium IRA/Roth IRA, Roth Conversion IRA, and NQ Contracts when a beneficiary elects to continue the Variable Annuity contract under the Distributor s SOA feature (thereafter a "SOA Contract"). The Distributor will pay 1.50% of the Annuity Account Value of a SOA Contract following receipt of all SOA election paperwork and processing. There will be a 100% commission recovery upon surrender within twelve calendar months after the SOA election has been processed. If the SOA Option is elected, the Distributor will also pay trail compensation (the "SOA Trail") on each SOA Contract as follows: (a) If the General Agent elected (or was deemed to have elected) an Option containing no trail compensation when the Contract was originally issued, the Distributor will pay trail compensation ( Floor SOA Trail ) on the SOA Contract following each calendar quarter, beginning with the first calendar quarter after the first anniversary following the processing of the SOA election, at the rate of 0.30% per annum (0.075% per quarter) of the Annuity Account Value of the SOA Contract (including FMO s adjusted to market value) at the end of such quarter. (b) If the General Agent elected an Option containing trail compensation when the Contract was originally issued ( Original Trail ), the Distributor will pay SOA Trail on the SOA Contract following each calendar quarter, beginning with the calendar quarter in which the deceased owner died, equal to the greater of (i) the Original Trail, if any, that would have been paid following such quarter pursuant to the Option originally elected and (ii) the Floor SOA Trail; provided, however, that if no Original Trail would have been paid on the Contract following any such quarter, no Floor SOA Trail will be paid on the SOA Contract for any such quarter prior to the first calendar quarter after the first anniversary following the processing of the SOA election. SOA Trail will be paid on SOA Contracts whether or not the General Agent elected to receive trails when the Variable Annuity Contract was originally issued and will replace the original trail elected by the General Agent at the time the Contract was issued, if any, except as described above.

7 Schedule II.45 (Annuity) Compensation for Structured Capital Strategies SM B Share Certificate Form Number: 2010PCSBASE-A/B Contract Form Number: 2010PCSBASE-I-A/B Data Pages Form Numbers: 2010PCSDP-B Age of Owner* Upon Contribution Trail Acceptance of Based Years Contract Contribution Option Compensation 2+ Structured Capital Strategies SM B Share (NQ) 0-80 I 5.00% 0.00% II 3.00% 0.30% III 1.00% 0.60% I 2.75% 0.00% II 1.65% 0.30% III 0.60% 0.60% Structured Capital Strategies SM B Share (Traditional IRA and Roth IRA) 0-80 I 5.00% 0.00% II 3.00% 0.30% III 1.00% 0.60% I 2.75% 0.00% II 1.65% 0.30% III 0.60% 0.60% *For non-natural owners, commission age breaks are based on the Annuitant s age. For Joint Owner contracts, they are based on the older individual. GGA Surrenders and Exchanges Compensation will be paid in accordance with the above compensation schedule if a Guaranteed Growth Annuity (GGA) Contract is surrendered or exchanged in whole or part to purchase a Structured Capital Strategies Contract, provided that the entire GGA Contract is surrender charge free. Commission Recovery for Structured Capital Strategies SM B Share % of the commission paid during the first six months after the contract is issued 2. 50% of the commission paid during months seven through twelve of the first contract year No recovery on SWO withdrawals

8 Schedule II.46 (Annuity) Compensation for Structured Capital Strategies SM C Share Certificate Form Number: 2010PCSBASE-A/B Contract Form Number: 2010PCSBASE-I-A/B Data Pages Form Numbers: 2012PCSDP-C Age of Owner* Upon Contribution Trail Acceptance of Based Years Contract Contribution Option Compensation 2+ Structured Capital Strategies SM C Share (NQ) 0-80 I 1.00% 1.00% I 0.60% 0.60% Structured Capital Strategies SM C Share (Traditional IRA and Roth IRA) 0-80 I 1.00% 1.00% I 0.60% 0.60% *For non-natural owners, commission age breaks are based on the Annuitant s age. For Joint Owner contracts, they are based on the older individual. GGA Surrenders and Exchanges Compensation will be paid in accordance with the above compensation schedule if a Guaranteed Growth Annuity (GGA) Contract is surrendered or exchanged in whole or part to purchase a Structured Capital Strategies Contract, provided that the entire GGA Contract is surrender charge free. Commission Recovery for Structured Capital Strategies SM C Share % of the commission paid during the first six months after the contract is issued 2. 50% of the commission paid during months seven through twelve of the first contract year No recovery on SWO withdrawals

9 Structured Capital Strategies SM Compensation for Spousal Continuation (at the death of the older spouse) and Beneficiary Continuation Option (BCO): 1.125% of the amount applied to BCO or Spousal Continuation (as applicable). Quarterly trail compensation (the BCO/Spousal Continuation trail ) will be the greater of: % annually (0.05% per quarter) of the AAV after BCO/Spousal Continuation goes into effect 2. Or the trail option, if any, originally elected when the SCS contract was originally issued. BCO/Spousal Continuation trails will be paid quarterly at the end of each calendar quarter on the earlier to occur of either: 1. The end of the first quarter after the first anniversary following the processing of the BCO or Spousal Continuation election (as applicable) 2. Or the end of any prior quarter on which the original trail, if any, would have been payable on the original SCS contract, if a BCO/Spousal Continuation election had not been made.

10 Schedule II.50 (Annuity) Compensation for Retirement Cornerstone SM 13.0 Series B Certificate Form Number: ICC12BASE4 Contract Form Number: ICC11 App 02 RC12 Data Pages Form Number: ICC12RC13DPB Age of Owner* Upon Contribution Trail Trail Acceptance of Based Years Years Contract Contribution Option Compensation Retirement Cornerstone SM 13.0 Series B (NQ) 0-80 I 7.00% 0.00% 0.00% II 6.00% 0.25% 0.25% III 5.00% 0.50% 0.50% IV 4.75% 0.25% 1.00% V 1.25% 1.00% 1.00% I 3.75% 0.00% 0.00% II 2.75% 0.25% 0.25% III 1.75% 0.50% 0.50% IV 1.50% 0.25% 1.00% Retirement Cornerstone SM 13.0 Series B (Traditional IRA and Roth IRA) I 7.00% 0.00% 0.00% II 6.00% 0.25% 0.25% III 5.00% 0.50% 0.50% IV 4.75% 0.25% 1.00% V 1.25% 1.00% 1.00% I 3.75% 0.00% 0.00% II 2.75% 0.25% 0.25% III 1.75% 0.50% 0.50% IV 1.50% 0.25% 1.00% Retirement Cornerstone SM 13.0 Series B (QP Defined Contribution and Defined Benefit) I 7.00% 0.00% 0.00% II 6.00% 0.25% 0.25% III 5.00% 0.50% 0.50% IV 4.75% 0.25% 1.00% V 1.25% 1.00% 1.00%

11 Schedule II.50 (Annuity) Compensation for Retirement Cornerstone SM 13.0 Series B Certificate Form Number: ICC12BASE4 Contract Form Number: ICC11 App 02 RC12 Data Pages Form Number: ICC12RC13DPB Age of Owner* Upon Contribution Trail Trail Acceptance of Based Years Years Contract Contribution Option Compensation Retirement Cornerstone SM 13.0 Series B (Inherited IRA Traditional and Roth IRA) 0-70 I 7.00% 0.00% 0.00% II 6.00% 0.25% 0.25% III 5.00% 0.50% 0.50% IV 4.75% 0.25% 1.00% V 1.25% 1.00% 1.00% *For non-natural owners, commission age breaks are based on the Annuitant s age. For Joint Owner contracts, they are based on the older individual. Commission Recovery for Retirement Cornerstone SM 13.0 Series B % of the commission paid during the first six months after the contract is issued 2. 50% of the commission paid during months seven through twelve of the first contract year No recovery on SWO withdrawals

12 Schedule II.51 (Annuity) Compensation for Retirement Cornerstone SM 13.0 Series CP Certificate Form Number: ICC12BASE4 Contract Form Numbers: ICC11 App 02 RC12 Data Pages Form Number: ICC12RC13DPCP Age of Owner* Upon Acceptance Contribution Trail Of Based Years Contract Contribution Option Compensation 2+ Retirement Cornerstone SM 13.0 Series CP (NQ) 0-70 I 6.00% 0.00% II 4.75% 0.25% III 3.50% 0.50% Retirement Cornerstone SM 13.0 Series CP (Traditional IRA and Roth IRA) I 6.00% 0.00% II 4.75% 0.25% III 3.50% 0.50% Retirement Cornerstone SM 13.0 Series CP (QP Defined Contribution and Defined Benefit) I 6.00% 0.00% II 4.75% 0.25% III 3.50% 0.50% *For non-natural owners, commission age breaks are based on the Annuitant s age. For Joint Owner contracts, they are based on the older individual. Additional Return of Compensation Provisions for Retirement Cornerstone SM Contracts: 13.0 Series CP In addition to the obligations to return compensation in certain circumstances as otherwise provided in Schedule II (Annuity), the General Agent shall promptly repay to the Distributor, following demand therefore, 100% of any and all compensation received by the General Agent on account of the Contributions paid into a Retirement Cornerstone SM 13.0 Series CP Contract within ninety (90) days of the death of the individual whose death causes a death benefit to become payable under the Contract. Commission Recovery for Retirement Cornerstone SM 13.0 Series CP % of the commission paid during the first six months after the contract is issued 2. 50% of the commission paid during months seven through twelve of the first contract year No recovery on SWO withdrawals

13 Schedule II.52 (Annuity) Compensation for Retirement Cornerstone SM 13.0 Series L Certificate Form Number: ICC12BASE4 Contract Form Numbers: ICC11 App 02 RC12 Data Pages Form Number: ICC12RC13DPL Age of Owner* Upon Contribution Acceptance of Based Trail Trail Trail Trail Contract Contribution Option Compensation Year 2 Year 3 Year 4 Years 5+ Retirement Cornerstone SM 13.0 Series L (NQ) 0-80 II 5.00% 0.00% 0.00% 1.00% 1.00% IV 3.50% 1.00% 1.00% 1.00% 1.00% II 2.50% 0.00% 0.00% 1.00% 1.00% IV 1.00% 1.00% 1.00% 1.00% 1.00% Retirement Cornerstone SM 13.0 Series L (Traditional IRA and Roth IRA) II 5.00% 0.00% 0.00% 1.00% 1.00% IV 3.50% 1.00% 1.00% 1.00% 1.00% II 2.50% 0.00% 0.00% 1.00% 1.00% IV 1.00% 1.00% 1.00% 1.00% 1.00% Retirement Cornerstone SM 13.0 Series L (QP Defined Contribution and Defined Benefit) II 5.00% 0.00% 0.00% 1.00% 1.00% IV 3.50% 1.00% 1.00% 1.00% 1.00% Retirement Cornerstone SM 13.0 Series L (Inherited IRA Traditional and Roth IRA) 0-70 II 5.00% 0.00% 0.00% 1.00% 1.00% IV 3.50% 1.00% 1.00% 1.00% 1.00% *For non-natural owners, commission age breaks are based on the Annuitant s age. For Joint Owner contracts, they are based on the older individual. Commission Recovery for Retirement Cornerstone SM 13.0 Series L % of the commission paid during the first six months after the contract is issued 2. 50% of the commission paid during months seven through twelve of the first contract year No recovery on SWO withdrawals 13

14 Retirement Cornerstone SM 13.0 Series Compensation for Spousal Continuation (at the death of the older spouse) and Beneficiary Continuation Option (BCO): 1.50% of the amount applied to BCO or Spousal Continuation (as applicable). Quarterly trail compensation (the BCO/Spousal Continuation trail ) will be the greater of: % annually (0.075% per quarter) of the AAV after BCO/Spousal Continuation goes into effect 2. Or the trail option, if any, originally elected when the Retirement Cornerstone 13.0 contract was originally issued. BCO/Spousal Continuation trails will be paid quarterly at the end of each calendar quarter on the earlier to occur of either: 1. The end of the first quarter after the first anniversary following the processing of the BCO or Spousal Continuation election (as applicable) 2. Or the end of any prior quarter on which the original trail, if any, would have been payable on the original Retirement Cornerstone 13.0 contract, if a BCO/Spousal Continuation election had not been made. 14

15 Schedule II.53 (Annuity) Compensation for Investment Edge SM Certificate Form Number: ICC13IEBASE2 Contract Form Number: ICC13 App 02 IE Data Pages Form Number: ICC13DPB-IE Age of Owner* Upon Contribution Trail Trail Acceptance of Based Years Years Contract Contribution Option Compensation Investment Edge SM (NQ) 0-80 I 5.75% 0.00% 0.40% II 3.75% 0.55% 0.55% III 1.25% 1.00% 1.00% I 2.75% 0.00% 0.40% II 2.00% 0.55% 0.55% III 0.75% 0.60% 0.60% Investment Edge SM (Traditional IRA and Roth IRA) I 5.75% 0.00% 0.40% II 3.75% 0.55% 0.55% III 1.25% 1.00% 1.00% I 2.75% 0.00% 0.40% II 2.00% 0.55% 0.55% III 0.75% 0.60% 0.60% Investment Edge SM (QP Defined Contribution and Defined Benefit) I 5.75% 0.00% 0.40% II 3.75% 0.55% 0.55% III 1.25% 1.00% 1.00% Investment Edge SM (Inherited IRA Traditional and Roth IRA) 0-70 I 5.75% 0.00% 0.40% II 3.75% 0.55% 0.55% III 1.25% 1.00% 1.00% * Commission age breaks are based on the Owner s attained age. For non-natural owners, the age breaks are based on the Annuitant s attained age or older Annuitant as applicable. For Joint Owner contracts, they are based on the older individual. Commission Recovery for Investment Edge SM % of the commission paid during the first six months after the contract is issued 2. 50% of the commission paid during months seven through twelve of the first contract year No recovery on SWO withdrawals 15

16 Schedule II.54 (Annuity) Compensation for Investment Edge SM Select Certificate Form Number: ICC13IEBASE1 Contract Form Numbers: ICC13 App 02 IE Data Pages Form Number: ICC13DPC-IE Age of Owner* Upon Contribution Trail Acceptance of Based Years Contract Contribution Option Compensation 2+ Investment Edge SM Select (NQ) 0-80 I 1.25% 1.00% I 0.75% 0.60% Investment Edge SM Select (Traditional IRA and Roth IRA) 0-80 I 1.25% 1.00% I 0.75% 0.60% * Commission age breaks are based on the Owner s attained age. For non-natural owners, the age breaks are based on the Annuitant s attained age or older Annuitant as applicable. For Joint Owner contracts, they are based on the older individual. Commission Recovery for Investment Edge SM Select % of the commission paid during the first six months after the contract is issued 2. 50% of the commission paid during months seven through twelve of the first contract year No recovery on SWO withdrawals 16

17 Investment Edge SM Compensation for Spousal Continuation (at the death of the older spouse) and BCO: a) 1.125% of the amount applied to BCO or Spousal Continuation (as applicable). b) Quarterly trail compensation (the BCO/Spousal Continuation trail ) will be the greater of: i) 0.20% annually (0.05% per quarter) of the AAV after BCO/Spousal Continuation goes into effect; or ii) The trail option, if any, originally elected when the Investment Edge SM contract was originally issued. c) BCO/Spousal Continuation trails will be paid quarterly at the end of each calendar quarter on the earlier to occur of either: i) The end of the first quarter after the first anniversary following the processing of the BCO or Spousal Continuation election (as applicable); or ii) The end of any prior quarter on which the original trail, if any, would have been payable on the original Investment Edge SM contract, if a BCO/Spousal Continuation election had not been made. d) There will be a 100% commission recovery upon surrender within 12 calendar months after a BCO or Spousal Continuation election has been processed. e) Income Edge: Note that this compensation option does not apply if this feature was in effect at death and the beneficiary elects to continue with the payment stream. In such cases, the original trail for the contract will continue to apply. 17

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