# Regarding Individual Retirement Annuity (IRA) Plans Described in Section 408(b) of the Internal Revenue Code

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5 TABLE A INDIVIDUAL RETIREMENT ANNUITY (IRA) POLICY FORM (Rev. 6/92) Accumulation of Values Based on contributions of \$1,000 made on the first day of each contract year End of Year Guaranteed Value 1 Projected Value 2 End of Year Guaranteed Value 1 Projected Value ,035 2,106 3,215 4,362 5,550 6,779 8,052 9,368 10,731 12,142 13,602 15,113 16,677 18,296 19,971 21,705 23,500 25,357 27,280 29,269 31,329 33,460 35,667 37,950 40,313 1,080 2,246 3,506 4,867 6,336 7,923 9,637 11,488 13,487 15,645 17,977 20,495 23,215 26,152 29,324 32,750 36,450 40,446 44,762 49,423 54,457 59,893 65,765 72,106 78, ,759 45,291 47,911 50,623 53,429 56,335 59,341 62,453 65,674 69,008 72,458 76,029 79,725 83,550 87,510 91,607 95, , , , , , , , ,583 86,351 94, , , , , , , , , , , , , , , , , , , , , , , , The guaranteed value is equal to the sum of the annual contributions (less any state premium taxes) plus interest at the guaranteed rate of 3.5%. (In preparing this illustration, it was assumed that the contract was issued in a state that does not assess premium taxes on qualified annuity considerations.) The projected value is equal to the sum of the annual contributions (less any state premium taxes) plus interest at a combined rate equal to the guaranteed rate plus an excess rate determined by the Company. Projected values are illustrated at an 8% rate. These projected values are intended neither as estimates nor as guarantees of results to be obtained in future years. The excess interest rate may be changed from time to time to reflect actual investment experience. Disclosure of charges that may be made in connection with the purchase or surrender of flexible premium annuity (FPA) contracts. Sales Charges: NONE (The agent s sales commission will not be deducted from any contribution made to an FPA contract.) Charges: 10% of the Accumulation Account of the contract may be withdrawn once each year without incurring a withdrawal charge. No withdrawal of an amount less than \$500 nor of an amount that would reduce the remaining Accumulation Account below \$500 will be allowed. Any withdrawal during the first contract year or any amount withdrawn during contract years 2 through 7 in excess of 10% of the Accumulation Account will be subject to a withdrawal charge equal to a percent of the amount withdrawn, as follows: Contract Year of Charge Rate % % % % Contract Year of Charge Rate % % % Thereafter... 0% SA-8538.Rev Page 5 of 5

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