Document:

Exhibit 4.(i)

 

EAGLE

LIFE INSURANCE COMPANY

 

5000
Westown Parkway

West Des
Moines, Iowa 50266

(888)
221-1234

 

A STOCK
LIFE INSURANCE COMPANY

 

We pay the benefits of this Contract, subject to all of
its provisions, terms and conditions.  We
issue this Contract based on the attached Application and payment of the
Initial Premium on or before the Contract Date.

 

15 DAY
RIGHT TO EXAMINE CONTRACT

YOU MAY RETURN THIS CONTRACT
TO YOUR AGENT OR OUR HOME OFFICE FOR UP TO 15 DAYS AFTER YOU RECEIVE IT.  THIS CONTRACT WILL BE VOID UPON OUR, OR OUR
AGENT’S, RECEIPT OF YOUR RETURNED CONTRACT. 
WITHIN 10 DAYS OF THE EARLIER OF OUR, OR OUR AGENT’S, RECEIPT OF YOUR
RETURNED CONTRACT, WE WILL REFUND ANY PREMIUM PAID.

 

Signed for the Company at
Des Moines, Iowa, on the Contract Date.

 

 

	
  /s/ Debra J. Richardson

  	
   

  	
  /s/ D. J. Noble

  
	
  Debra J. Richardson

  	
   

  	
  D. J. Noble

  
	
        Secretary

  	
   

  	
    President

  

 

 

FLEXIBLE
PREMIUM DEFERRED INDEXED ANNUITY CONTRACT

Index
Credits currently linked to the S&P 500 Index

With Market Value
Adjustment Provision

Which May Increase
or Decrease Cash Surrender Values

Death Benefit
Prior to Maturity

Monthly Income at
Maturity

No Dividends

 

This is a legal
Contract between You and Us.

READ YOUR
CONTRACT CAREFULLY

 

1

 

TABLE
OF CONTENTS

 

	
  Contract Proceeds and
  Pay-out Provisions

  	
  Page 10

  
	
   

  	
   

  
	
  Contract Specifications

  	
  Page 3

  
	
   

  	
   

  
	
  Contract Values
  Provisions

  	
  Page 6,7,8,9

  
	
   

  	
   

  
	
  Death Pay-out
  Provisions

  	
  Page 12

  
	
   

  	
   

  
	
  Definitions

  	
  Page 4

  
	
   

  	
   

  
	
  General Provisions

  	
  Page 5

  
	
   

  	
   

  
	
  Income for Specified
  Period Factors

  	
  Page 14

  
	
   

  	
   

  
	
  Joint and Survivor
  Income Factors

  	
  Page 16

  
	
   

  	
   

  
	
  Life Income with
  Specified Period Certain Factors

  	
  Page 15

  
	
   

  	
   

  
	
  Maturity Pay-out
  Provisions

  	
  Page 10

  
	
   

  	
   

  
	
  Premium Provisions

  	
  Page 6

  
	
   

  	
   

  
	
  Settlement Option
  Pay-out Provisions

  	
  Page 13

  
	
   

  	
   

  
	
  Table of Guaranteed
  Values

  	
  Page 17

  
	
   

  	
   

  
	
  Value Specifications

  	
  Page 3a

  
	
   

  	
   

  
	
  Withdrawal and
  Surrender Pay-out Provisions

  	
  Page 11

  

 

“Standard &
Poor’s®”, “S&P®”, “S&P 500®”, “Standard & Poor’s
500” and “500” are trademarks of The McGraw-Hill Companies, Inc. and have
been licensed for use by Eagle Life Insurance Company.  This Product is not sponsored, endorsed, sold
or promoted by Standard & Poor’s and Standard & Poor’s makes
no representation regarding the advisability of purchasing this Product.

 

2

 

CONTRACT SPECIFICATIONS

 

	
  Contract Number:

  	
   

  	
  [123456]

  
	
   

  	
   

  	
   

  
	
  Contract Date:

  	
   

  	
  [January 1, 2009]

  
	
   

  	
   

  	
   

  
	
  Owner:

  	
   

  	
  [John Doe]

  
	
   

  	
   

  	
   

  
	
  Annuitant:

  	
   

  	
  [John Doe]

  
	
   

  	
   

  	
   

  
	
  Annuitant’s
  Issue Age:

  	
   

  	
  [35]

  
	
   

  	
   

  	
   

  
	
  Annuitant’s Sex:

  	
   

  	
  [M]

  
	
   

  	
   

  	
   

  
	
  Maturity Date:

  	
   

  	
  [January 1, 2086]
  Age 114

  
	
   

  	
   

  	
   

  
	
  Initial Premium:

  	
   

  	
  [$20,000]

  
	
   

  	
   

  	
   

  
	
  Planned Premium
  Mode:

  	
   

  	
  [Annual]

  
	
   

  	
   

  	
   

  
	
  Planned Premium
  Amount:

  	
   

  	
  [$4,000]

  
	
   

  	
   

  	
   

  
	
  Minimum Contract
  Value Allowed:

  	
   

  	
  $2,000

  
	
   

  	
   

  	
   

  
	
  Minimum
  Guaranteed Interest Rate (MGIR):

  	
   

  	
  [1.5%]*

  

 

*Applies to Minimum
Guaranteed Surrender Value only.

 

	
  Surrender Charge
  Period:

  	
   

  	
  3 Contract Years

  
	
   

  	
   

  	
   

  
	
  Surrender Charge
  Percentage:

  	
   

  	
   

  

 

	
  Contract Year:

  	
  1

  	
  2

  	
  3

  	
  4+

  
	
  Percentage:

  	
  8

  	
  7

  	
  6

  	
  0

  

 

3

 

CONTRACT SPECIFICATIONS

 

	
  Contract Number:

  	
   

  	
  [123456]

  
	
   

  	
   

  	
   

  
	
  Contract Date:

  	
   

  	
  [January 1, 2009]

  
	
   

  	
   

  	
   

  
	
  Owner:

  	
   

  	
  [John Doe]

  
	
   

  	
   

  	
   

  
	
  Annuitant:

  	
   

  	
  [John Doe]

  
	
   

  	
   

  	
   

  
	
  Annuitant’s
  Issue Age:

  	
   

  	
  [35]

  
	
   

  	
   

  	
   

  
	
  Annuitant’s Sex:

  	
   

  	
  [M]

  
	
   

  	
   

  	
   

  
	
  Maturity Date:

  	
   

  	
  [January 1, 2086]
  Age 114

  
	
   

  	
   

  	
   

  
	
  Initial Premium:

  	
   

  	
  [$20,000]

  
	
   

  	
   

  	
   

  
	
  Planned Premium
  Mode:

  	
   

  	
  [Annual]

  
	
   

  	
   

  	
   

  
	
  Planned Premium
  Amount:

  	
   

  	
  [$4,000]

  
	
   

  	
   

  	
   

  
	
  Minimum Contract
  Value Allowed:

  	
   

  	
  $2,000

  
	
   

  	
   

  	
   

  
	
  Minimum
  Guaranteed Interest Rate (MGIR):

  	
   

  	
  [1.5%]*

  

 

*Applies to Minimum
Guaranteed Surrender Value only.

 

	
  Surrender Charge
  Period:

  	
   

  	
  5 Contract Years

  
	
   

  	
   

  	
   

  
	
  Surrender Charge
  Percentage:

  	
   

  	
   

  

 

	
  Contract Year:

  	
  1

  	
  2

  	
  3

  	
  4

  	
  5

  	
  6+

  	
   

  
	
  Percentage:

  	
  8

  	
  7

  	
  6

  	
  5

  	
  4

  	
  0

  	
   

  

 

3

 

CONTRACT SPECIFICATIONS

 

	
  Contract Number:

  	
   

  	
  [123456]

  
	
   

  	
   

  	
   

  
	
  Contract Date:

  	
   

  	
  [January 1, 2009]

  
	
   

  	
   

  	
   

  
	
  Owner:

  	
   

  	
  [John Doe]

  
	
   

  	
   

  	
   

  
	
  Annuitant:

  	
   

  	
  [John Doe]

  
	
   

  	
   

  	
   

  
	
  Annuitant’s
  Issue Age:

  	
   

  	
  [35]

  
	
   

  	
   

  	
   

  
	
  Annuitant’s Sex:

  	
   

  	
  [M]

  
	
   

  	
   

  	
   

  
	
  Maturity Date:

  	
   

  	
  [January 1, 2086]
  Age 114

  
	
   

  	
   

  	
   

  
	
  Initial Premium:

  	
   

  	
  [$20,000]

  
	
   

  	
   

  	
   

  
	
  Planned Premium
  Mode:

  	
   

  	
  [Annual]

  
	
   

  	
   

  	
   

  
	
  Planned Premium
  Amount:

  	
   

  	
  [$4,000]

  
	
   

  	
   

  	
   

  
	
  Minimum Contract
  Value Allowed:

  	
   

  	
  $2,000

  
	
   

  	
   

  	
   

  
	
  Minimum
  Guaranteed Interest Rate (MGIR):

  	
   

  	
  [1.5%]*

  

 

*Applies to Minimum
Guaranteed Surrender Value only.

 

	
  Surrender Charge
  Period:

  	
   

  	
  7 Contract Years

  
	
   

  	
   

  	
   

  
	
  Surrender Charge
  Percentage:

  	
   

  	
   

  

 

	
  Contract Year:

  	
   

  	
  1

  	
  2

  	
  3

  	
  4

  	
  5

  	
  6

  	
  7

  	
  8+

  	
   

  
	
  Percentage:

  	
   

  	
  8

  	
  7

  	
  6

  	
  5

  	
  4

  	
  3

  	
  2

  	
  0

  	
   

  

 

3

 

VALUE OPTIONS SPECIFICATIONS

 

FIXED VALUE OPTION

 

	
  Initial Fixed
  Value Premium:

  	
   

  	
  [$10,000.00]

  
	
   

  	
   

  	
   

  
	
  Initial Fixed
  Value Interest Rate:

  	
   

  	
  [1.50%]

  
	
   

  	
   

  	
   

  
	
  Initial Fixed
  Value Interest Rate Guarantee Period:

  	
   

  	
  1st Contract Year

  
	
   

  	
   

  	
   

  
	
  Fixed Value
  Minimum Guaranteed Interest Rate (FV-MGIR):

  	
   

  	
  1.00%

  
	
   

  	
   

  	
   

  
	
  FV-MGIR
  Guarantee Period:

  	
   

  	
  Life of Contract

  

 

INDEXED VALUE OPTIONS

 

	
  Cap Rate
  Guarantee Period:

  	
   

  	
  One Contract Year

  

 

The above Indexed
Value Specification limit applies to each Indexed Value Option listed below.

 

ANNUAL POINT TO POINT VALUE OPTION

 

	
  Index:

  	
   

  	
  [Standard &
  Poor’s 500 Composite Stock Price Index]

  
	
   

  	
   

  	
   

  
	
  Initial Premium:

  	
   

  	
  [$5,000]

  
	
   

  	
   

  	
   

  
	
  Index on Contract
  Date:

  	
   

  	
  [800]

  
	
   

  	
   

  	
   

  
	
  Initial Cap
  Rate:

  	
   

  	
  [7%]

  
	
   

  	
   

  	
   

  
	
  Guaranteed
  Minimum Cap Rate:

  	
   

  	
  4%

  

 

MONTHLY POINT TO POINT (MPT) VALUE OPTION

 

	
  Index:

  	
   

  	
  [Standard &
  Poor’s 500 Composite Stock Price Index]

  
	
   

  	
   

  	
   

  
	
  Initial Premium:

  	
   

  	
  [$5,000]

  
	
   

  	
   

  	
   

  
	
  Index on
  Contract Date:

  	
   

  	
  [800]

  
	
   

  	
   

  	
   

  
	
  MPT Monthly Cap
  Rate:

  	
   

  	
  [3%]

  
	
   

  	
   

  	
   

  
	
  MPT Guaranteed
  Minimum Monthly Cap Rate:

  	
   

  	
  1%

  

 

Index Credits may
not be reflected in Your Cash Surrender Value due to the calculation of the
Minimum Guaranteed Surrender Value described on Page 7.

 

Note:  You may check current indices in the Wall
Street Journal, in Barron’s, on the Internet, or with Your financial advisor.

 

3a

 

DEFINITIONS

In this Contract, these
terms mean:

 

	
  WE, OUR, US, COMPANY:

  	
   

  	
  EAGLE LIFE INSURANCE
  COMPANY

  
	
   

  	
   

  	
   

  
	
  OWNER, YOU, YOUR:

  	
   

  	
  The person named in the
  Application or by later changes as the Owner. The Owner has all rights under
  this Contract.

  
	
   

  	
   

  	
   

  
	
  ANNUITANT:

  	
   

  	
  The
  person shown on Page 3 whose life is the measuring life for Your
  Contract. The Annuitant may or may not be the Owner.

  
	
   

  	
   

  	
   

  
	
  PAYEE:

  	
   

  	
  The person to whom We
  pay Proceeds.

  
	
   

  	
   

  	
   

  
	
  BENEFICIARY:

  	
   

  	
  The person or persons
  shown on the Application or by later changes to whom We pay death Proceeds.
  You may change a Beneficiary as this Contract allows.

  
	
   

  	
   

  	
   

  
	
  APPLICATION:

  	
   

  	
  The form You filled out
  to apply for this Contract. We have attached a copy.

  
	
   

  	
   

  	
   

  
	
  NOTICE, NOTIFY, NOTIFYING:

  	
   

  	
  Written requests and
  information We receive at Our Home Office, at address shown on Page 1,
  that You sign, and We accept.

  
	
   

  	
   

  	
   

  
	
  AGE:

  	
   

  	
  The Annuitant’s Age
  last birthday.

  
	
   

  	
   

  	
   

  
	
  CONTRACT DATE, ISSUE DATE:

  	
   

  	
  The date this Contract
  becomes effective. This Contract does not take effect until delivered to You
  and You have paid the Initial Premium.

  
	
   

  	
   

  	
   

  
	
  MATURITY DATE:

  	
   

  	
  The Maturity Date is the
  last date this Contract can remain in force, is first Contract Anniversary
  after Annuitant’s 114th birthday, and is shown on Page 3. 

  Please Note:
  Annuitization Option is also available and is described on Page 10.

  
	
   

  	
   

  	
   

  
	
  INDEX:

  	
   

  	
  The Index is
  Standard &Poor’s 500 Composite Stock Price Index or any substituted
  suitable alternative index.

  
	
   

  	
   

  	
   

  
	
  INDEX PRICE:

  	
   

  	
  The Index Price as of
  any date is the closing Price of the Index on that date.

  
	
   

  	
   

  	
   

  
	
  INDEX DATE:

  	
   

  	
  The Index Date is the
  Contract Date and the same day of each month thereafter. If the same day does
  not exist in a month, such as the 31st, We use the first preceding day.
  Example: If the Contract Date is January 31, 2009, the next Index Date
  is February 28, 2009, and the last day of each month thereafter.

  
	
   

  	
   

  	
   

  
	
  CONTRACT YEAR, ANNIVERSARY:

  	
   

  	
  We compute Contract
  Years and Anniversaries from the Contract Date. Example: If the Contract Date
  is January 1, 2009, the first Contract Year ends on December 31,
  2009, and the first Anniversary falls on January 1, 2010.

  
	
   

  	
   

  	
   

  
	
  CAP RATES:

  	
   

  	
  The percentages shown
  on Page 3a, used in calculating the Index Credits as described on
  Page 9. We declare the Cap Rates annually in advance. The Cap Rates will
  never be less than the Guaranteed Minimum Cap Rate and are guaranteed for the
  Cap Rate Guarantee Period shown on Page 3a.

  

 

4

 

GENERAL PROVISIONS

 

CONTRACT

This Contract, attached Application, and any attached
amendments, riders or endorsements make up the entire Contract.

 

CONTRACT CHANGES

No one may change any part of this Contract or waive
any provision except You or one of Our officers.  Both must agree to the change.  All changes must be in writing.

 

CONFORMITY WITH THE LAW

The provisions of this Contract conform to the minimum
requirements of the issue state.  The
laws of the issue state control over any conflicting laws of any other state
where the Owner may live on or after the Contract Date.

 

CHANGES IN THE LAW

We will amend this Contract to comply with any changes
in laws governing it or taxation of benefits under it.

 

OWNERSHIP*

This Contract belongs to
You.  You have all rights, subject to the
rights of; any irrevocable Beneficiary; any assignee of record with Us; and any
restricted Ownership.  You may change the
Owner by giving Us written Notice.  We
reserve the right, except to the extent prohibited by applicable state law or
regulation, or by the action of the insurance commissioner, bank commissioner,
or any agency or officer performing like functions of the applicable State, to
require that any change of Owner will be effective only upon Our acceptance,
and to refuse such changes at any time on a non-discriminatory basis.  No change applies to any action We take
before receiving Notice.  A change of
Owner does not change the Beneficiary.

 

ASSIGNMENT*

You may assign this
Contract by giving Us written Notice.  We
reserve the right, except to the extent prohibited by applicable state law or
regulation or by the action of the insurance commissioner, bank commissioner,
or any agency or officer performing like functions of the applicable State, to
require that assignment will be effective only upon Our acceptance, and to
refuse assignments at any time on a non-discriminatory basis.  No assignment applies to any action We take
before receiving Notice.

 

*Qualified contracts may
not be transferred or assigned.

 

INCONTESTABILITY

We will not contest this Contract after it has been in
force during the Annuitant’s lifetime for 2 years from the Issue Date.  In the absence of fraud, statements on the
Application are representations and not warranties.  Read the Application, a copy of which is
attached.  If anything is not true or
complete to the best of Your knowledge and belief, Notify Us.

 

NONFORFEITABILITY

Before the Maturity Date,
the Cash Surrender Value is always nonforfeitable.

 

INTEREST
RATES

The rate and
duration of the Initial Fixed Value Interest Rate shown on Page 3a apply
only to Your Fixed Value Initial Premium. 
We declare Our Current Fixed Value Initial Interest Rate in advance and
guarantee it will never be less than the Fixed Value Minimum Guaranteed
Interest Rate.  The Minimum Guaranteed
Interest Rate (MGIR) shown on Page 3, applies to Minimum Guaranteed
Surrender Value only, is based on the average of the 5 Year Constant Maturity
Treasury Rate for October of the previous year, and is guaranteed until
this Contract terminates.  All Interest
Rates are calculated as an effective annual rate, compounded daily.

 

RESERVE
BASIS

The reserve method and
basis for this Contract are on file with the Insurance Department in Your
state.

 

STATEMENT OF VALUES

Once each year, We will
send You a Statement of Values.  It will
show:

(1)           All Premiums paid;

(2)           Withdrawals;

(3)           Values;

(4)           Interest Rates;

(5)           Cap Rate(s)

 

TERMINATION

This Contract Terminates
on the earliest of:

(1)                                  The date You do not maintain Minimum
Values as described on Page 9;

(2)                                  The date You choose to exercise the
Annuitization Option described on Page 10;

(3)                                  The date You Surrender Your Contract;

(4)                                  The date the Annuitant or Owner dies; or

(5)                                  The Maturity Date.

 

5

 

PREMIUM PROVISIONS

 

PAYMENT
AND ALLOCATION OF PREMIUMS

The Initial Premium, the amount We receive
with Your Application, as shown on Page 3, is due on the Contract
Date.  You may direct all or any portion
of Your Initial Premium to either Your Fixed Value Option, either of the
Indexed Value Options, or any combination thereof, subject to the Limitations
below.  You may make Additional Premium
payments after the Initial Premium in any amount and frequency, also subject to
Limitations below.  Your Additional
Premiums will automatically go into Your Fixed Value Option as described in
Transfer of Additional Premium Payments below.

 

If mandated under applicable law, We may be
required to reject a Premium Payment.  We
may also be required to provide additional information about an Owner and an
Owner’s Contract to government regulators.

 

TRANSFER OF ADDITIONAL PREMIUM PAYMENTS

We will hold Your Additional Premiums in Your
Fixed Value Option, credit Interest as described in Fixed Value Option section,
and unless You elect otherwise under Transfer of Values Option, the Premiums
and interest thereon will remain in the Fixed Value Option.

 

LIMITATIONS

(1)                                 Initial Premium

a.             The minimum Initial Premium We will accept is $10,000.

b.             The minimum required to select allocation to an Indexed
Value Option is 10% of Your Initial Premium.

(2)                                 Additional
Premiums - You may pay Additional Premiums if:

a.             The Contract is in force;

b.             The Annuitant and Owner are alive;

c.             The Additional Premium is at least $1,000; and

d.             The maximum cumulative Premium per Owner/annuitant is
$1,000,000.

 

CONTRACT VALUES PROVISIONS

 

CONTRACT VALUE

Your Contract Value
equals the sum of:

(1)           The value of Your Fixed Value Option;
plus

(2)           The value of Your Indexed Value
Options.

We allocate Your Premiums
between Your Fixed and/or Indexed Value Options as You direct, subject to Our rules governing
Premium allocation.  See “PREMIUM
PROVISIONS” section on Page 6.

 

CASH SURRENDER VALUE

The
Cash Surrender Value is the amount of Proceeds payable if You Surrender this
Contract during the Surrender Charge Period, and is equal to the greater of:

(1)                                Contract Value
minus any applicable Surrender Charges and plus or minus applicable MVA, each
calculated as described below; or

(2)                                Minimum
Guaranteed Surrender Value.

 

6

 

MINIMUM GUARANTEED SURRENDER VALUE

The
Surrender Value of Your Contract will never be less than:

(1)                                  87.5% of all
Premiums; less

(2)                                  Any Withdrawal
Proceeds;

(3)                                  Accumulated at
Minimum Guaranteed Interest Rate as shown on Page 3.

 

SURRENDER CHARGE

We
take a Surrender Charge on Partial Withdrawals or full Surrenders during the
Surrender Charge Period. We calculate Surrender Charges as follows:

(1)                                  At Partial
Withdrawal, the Withdrawal Amount times the applicable Surrender Charge
Percentage shown on Page 3; or

(2)                                  At Surrender,
the Contract Value, plus any Penalty-Free Withdrawal Proceeds taken in the last
12 months, times the applicable Surrender Charge Percentage shown on Page 3.

 

MARKET VALUE ADJUSTMENT (MVA)

The
Market Value Adjustment is an amount by which we adjust pay-out amounts during
the Surrender Charge Period, and is calculated as follows:

(1)                             At Partial
Withdrawal, the Withdrawal Amount times the (MVA Factor minus 1); or

(2)                             At Surrender,
the sum of Contract Value, plus any Penalty-Free Withdrawal Proceeds taken in
the last 12 months, times the (MVA Factor minus 1).

The
MVA Factor = [A/B]t

Where

A is [1 + (the Initial Fixed Value Interest Rate for
this Contract on the Contract Date)] less 0.5%.

B is [1 + (the Initial Fixed Value Interest Rate for
this Contract on the date of Surrender or Withdrawal for new issues of this
Contract)]. If this Contract is no longer being issued Our Board of Directors
will declare the Interest Rate used in B.

t is [Number of days from the date of Surrender or
Partial Withdrawal to the next Contract Anniversary, divided by 365 plus the
number of whole years remaining in the Surrender Charge Period shown on Page 3.]

The
MVA can be positive or negative and will never cause the Cash Surrender Value
at Surrender to be greater than the Contract Value or less than the Minimum
Guaranteed Surrender Value.  After the
Surrender Charge Period, the MVA Factor is (1) one.

 

FIXED VALUE OPTION

The
value of the Fixed Value Option equals:

(1)                                 On Contract
Date - the Initial Fixed Value Premium shown on Page 3a, if any.

(2)                                 At each
Anniversary:

a.                                       The value of
the Fixed Value Option on the last Anniversary*; plus

b.                                      Any Premiums
paid since the last Anniversary; less

c.                                       Any Withdrawal
Amounts since last Anniversary; plus

d.                                      Interest
credited**; plus or minus

e.                                       Any Transferred
Values on the current Anniversary.

(3)                                 Between
Anniversaries:

a.                                       The value of
the Fixed Value Option on the last Anniversary*; plus

b.                                      Any Premiums
paid since the last Anniversary; less

c.                                       Any Withdrawal
Amounts since the last Anniversary; plus

d.                                      Interest
credited.**

 

**Never less than FV-MGIR shown on Page 3a.

 

7

 

INDEX

The
Index on the Issue Date is shown on Page 3a and is the Index on the last
Index Date.  If the Index is not
available for any Index Date, We will use the Index on the first preceding day
for which it is available.  Indices are published
in the Wall Street Journal.  If: (i) the
Index is discontinued; (ii) We are unable to use the Index or; (iii) the
calculation of the Index is changed substantially, We may substitute a suitable
alternative equity index for the Index and will Notify You.

 

If
the Index is discontinued during a Contract Year, We may transfer the value of
Your Indexed Value Options to Your Fixed Value Option and credit the amount
transferred with the Current Fixed Value Interest Rate for the remainder of the
Contract Year.  We treat any portion of
the Contract Year in which the amount transferred remained in the Indexed Value
Option as a full Contract Year for the purpose of crediting any Index Credits.

 

We
may terminate or substitute any of the Indexed Value Options at any time by
sending You written notice at Your last known address at least 60 days in
advance of the effective date on which the Indexed Value Option will terminate
or be substituted.

 

INDEXED VALUE OPTIONS:

The
value of the Indexed Value Options equals the value of the Annual Point to
Point Value Option plus the value of the Monthly Point to Point Value Option.

 

Annual Point to Point Value Option — The value of the Annual
Point to Point Value Option equals:

(1)                                 On the Contract
Date - The Annual Point to Point Value Option Initial Premium shown on Page 3a,
if any.

(2)                                 At each Anniversary:

a.             The
value of the Annual Point to Point Value Option on the last Anniversary*; less

b.             Any
Withdrawal Amounts since the last Anniversary; plus

c.             Annual
Point to Point Value Option Index Credits; plus or minus

d.             Any
Transferred Values on the current Anniversary.

(3)                                 Between
Anniversaries:

a.             The
value of the Annual Point to Point Value Option on the last Anniversary*; less

b.             Any
Withdrawal Amounts since last Anniversary.

 

Monthly Point to Point Value Option — The value of the Monthly
Point to Point Value Option equals:

(1)                                 On the Contract
Date — The MPT Value Option Initial Premium shown on Page 3a, if any.

(2)                                 At each Anniversary =

a.             The value of the MPT Value Option on the last
Anniversary*; less

b.             Any Withdrawal Amounts since the last Anniversary; plus

c.             MPT Value Option Index Credit; plus or minus

d.             Any Transferred Values on the
current Anniversary.

(3)                                 Between Anniversaries =

a.             The value of the MPT Value Option on the last
Anniversary*; less

b.             Any
Withdrawal Amounts since last Anniversary.

 

*When
calculating Values on the first Anniversary or during the first Contract Year
(or for the first month or during the first month on the Monthly Point to Point
Indexed Value Option), use the Value on the Contract Date.

 

Transferred Values:  The values transferred from
one Value Option to another Value Option on any Anniversary as provided in the
Transfer of Values Option section on Page 9

 

8

 

TRANSFER OF VALUES OPTION

On each Anniversary, You may transfer Your
money between Your Fixed and/or Indexed Value Options, subject to a $1,000
minimum to maintain an Indexed Value Option. 
We calculate and apply Index Credits before we process Transfers.

 

To transfer Your money between Options, We
must receive Our completed Transfer of Values form on or before the Anniversary
on which You want the transfer to occur, or on another date which We may
determine later.

 

If mandated under applicable law, We may
block an Owner’s account and refuse to process any request for Transfer until
We receive instructions from the appropriate regulator.

 

MINIMUM VALUES

To be maintained, the value of an Indexed
Value Option must contain at least $1,000. 
If, through Withdrawals or Transfers, You reduce an Indexed Value Option
to less than $1,000, We will automatically close that Indexed Value Option and
transfer the remaining funds to Your Fixed Value Option on the next Contract
Anniversary.  To be maintained, Your Contract must contain at least the Minimum
Contract Value Allowed as shown on Page 3. 
If through Withdrawals You reduce Your Contract Value to less than the
Minimum Contract Value Allowed, Your Contract will automatically Terminate and
We will payout any remaining Cash Surrender Value.

 

INDEX CREDITS are added to the Indexed Value
Options on the Contract Anniversary and are calculated as follows:

 

Annual Point to
Point Index Credits —

(1)                                  The Index Price on the current Contract
Anniversary; less

(2)                                  The Index Price on the last Anniversary*;
divided by

(3)                                  The Index Price on the last Anniversary*;

(4)                                  Result not to exceed Cap; multiplied by

(5)                                  The value of the Annual Point to Point
Value Option on the last Anniversary**, less any Withdrawal Amounts during the
last Contract Year.

 

Monthly Point to Point Index Credits -

(1)                                  The value of the MPT Value Option on the
last Anniversary;** less

(2)                                  Any Withdrawal Amounts during the last
Contract Year; multiplied by

(3)                                  The MPT Sum.

 

MPT Sum:  The MPT Sum is the sum of the twelve MPT
Ratios during each Contract Year.

 

MPT Ratios:

·                  Index Price on each monthly
Index Date; less

·                  The Index Price on the first
preceding monthly Index Date*; divided by

·                  The Index Price on first
preceding monthly Index Date*; (result not to exceed MPT Cap).

 

* When calculating an
Index Credit for the first Anniversary (or for the first month on the Monthly
Point to Point Indexed Value Option) use the applicable Index Price on the
Contract Date.

 

**When calculating Values
on the first Anniversary or during the first Contract Year (or for the first
month or during the first month on the Monthly Point to Point Indexed Value
Option), use the Value on the Contract Date.

 

Each
Index Credit will never be less than zero (0).

 

9

 

CONTRACT PROCEEDS AND PAY-OUT PROVISIONS

 

MINIMUM
BENEFITS

Any
Proceeds payable under this Contract are at least the minimum required by laws
of the issue state.

 

PREMIUM TAXES

If
We are required to pay premium taxes, We re-calculate Your Proceeds at pay-out
as if We had deducted premium taxes from Your Premiums as We received them.

 

PROCEEDS

Proceeds
means the amount payable when:

(1)           You
take a Withdrawal;

(2)           You
Surrender this Contract;

(3)           The
Annuitant or Owner dies; or

(4)           The
Contract matures.

 

PAYMENT OF PROCEEDS

We
pay Proceeds in one sum, unless You or Your Beneficiary elect to apply all or
part of Death or Maturity Proceeds to provide payments under a Settlement
Option.  We always pay Withdrawal and
Surrender Proceeds in one sum unless You choose the Annuitization Option
below.  If pay-out is not immediate, We
credit interest on the Proceeds from the date of Withdrawal, Surrender,
Maturity, or Death until pay-out.  We add
this interest to the Proceeds and pay the greater of:

(1)           The
current rate of interest We declare; or

(2)           Any
minimum rate required by the laws of the issue state.

If
mandated under applicable law, We may block an Owner’s account and refuse to
process any request for Transfer, Withdrawal, Surrender or Death Proceeds until
We receive instructions from the appropriate regulator.

 

ADJUSTMENT OF BENEFIT VALUES

If
We find an error in the stated Age or sex of any Payee after making payments
under a Settlement Option, We adjust the benefits to those that the Values of
this Contract would have purchased using the correct Age and sex.  If We find an error and We have made income
payments, We:

(1)           Pay
the amount of any under-payments, plus interest*, compounded annually; or

(2)                                  Charge the
amount of any over-payments, plus interest*, compounded annually, against the
next income payments.

 

*
The interest rate will be the greater of 6% or the rate prescribed by state
law.

 

ANNUITIZATION
OPTION

 

You may annuitize Your Surrender Proceeds under this
Contract after the first Contract Year for a life option with at least 5 years
certain.

 

MATURITY PAY-OUT PROVISIONS

 

MATURITY BENEFIT

If
the Contract is in force on the Maturity Date, We pay the Maturity Proceeds to
the Annuitant as described in Payment of Proceeds section.  The Maturity Proceeds equal the greater of
the Contract Value or the Minimum Guaranteed Surrender Value on the Maturity
Date.  We may change the mode of payment
under a Settlement Option so each payment is at least $50.00.

 

10

 

WITHDRAWAL AND SURRENDER
PAY-OUT PROVISIONS

 

DEFERRAL OF PAYMENT

We may defer
payment of any Surrender Proceeds for up to six months from the date You Notify
Us, as allowed by state law.

 

WITHDRAWALS

Withdrawal
Amount is the amount We deduct from Your Contract Value to provide the
Withdrawal Proceeds and does not include any Surrender Charges or MVA
adjustments.  Withdrawal Proceeds include
amounts withdrawn under both the Penalty-free Withdrawal and Partial Withdrawal
Options as follows and are the actual amounts We pay to the Contract Owner
after application of any applicable Surrender Charge and MVA adjustment:

(1)                                 Penalty-free
Withdrawal Option

Each Contract Year, after the first, You may take
one Penalty-free Withdrawal of up to 10% of Your Contract Value.  We determine the amount of Penalty-free
Withdrawal Proceeds payable at the time of Withdrawal.  Penalty-free Withdrawal Proceeds equal the
Penalty-free Withdrawal amount You request. No MVA or Surrender Charges apply
to Penalty-free Withdrawals.  All
Withdrawals taken after the end of the Surrender Charge Period are
Penalty-free.

(2)                                 Partial
Withdrawal Option

You may make Partial Withdrawals at any time subject
to Surrender Charges, MVA, and Minimum Values. 
We apply MVA and applicable Surrender Charges to:

a.                                       Amounts
withdrawn in the first Contract Year;

b.                                      Amounts
withdrawn in excess of the Penalty-free Withdrawal Option amount during the
Surrender Charge Period; and

c.                                       Any Withdrawals
taken after taking a Penalty-free Withdrawal in any Contract Year during the
Surrender Charge Period.

We calculate MVAs and Surrender Charges as described
on Page 7, pay You the Withdrawal Proceeds, and adjust Your Values as
described in Contract Values Provisions.

 

We
deduct Withdrawals first from Your Fixed Value Option, then proportionally from
Your Indexed Value Option(s) until We reach the amount You requested.  We process Penalty-free Withdrawals before
Partial Withdrawals.  For example, if You
request a Withdrawal in excess of the Penalty-free Withdrawal amount, the
Penalty-free Withdrawal Option provision applies to the Penalty-free Withdrawal
amount with no Surrender Charge or MVA, and the remaining amount falls under
the Partial Withdrawal Option provision, and is affected by any applicable
Surrender Charges and MVA.  Some
Limitations may apply, see Limitations section below.

 

SURRENDER

If You Surrender this Contract, We pay You
the Surrender Proceeds in a single sum or under the Annuitization Option.  Surrender Proceeds equal the Cash Surrender
Value on the date of Surrender.

 

LIMITATIONS

(1)                                 No portion of a
Surrender taken during the Surrender Charge Period can be Penalty-free.

(2)                                 We treat any
Penalty-free Withdrawal You take within the 12 months before Surrender as
having been made in anticipation of Surrender. 
Therefore, We apply a Surrender Charge and any applicable MVA to that
amount at Surrender.

(3)                                You must
maintain Minimum Values, as described on Page 9.

 

11

 

DEATH PAY-OUT PROVISIONS

 

DEATH
BENEFIT

Annuitant’s Death -The Death Benefit Proceeds
payable equal the greater of Contract Value or the Minimum Guaranteed Surrender
Value on the Annuitant’s date of death in the case of a non-natural Owner.

 

Owner’s Death - The Death Benefit Proceeds payable equal the
greater of the Contract Value or the Minimum Guaranteed Surrender Value on the
Owner’s date of death.

 

If
any Owner, or Annuitant in the case of a non-natural Owner, dies before the
Maturity Date, We pay Death Benefit Proceeds to the Owner’s Beneficiary.  If You did not choose a Settlement Option, the
Beneficiary may make a selection within 60 days of Our receiving proof of
death.

 

We
pay out the entire Death Benefit Proceeds in a lump sum unless:

(1)                                 It is payable
to the Beneficiary over a 5 year period. 
Entire Death Benefit Proceeds must be paid within 5 years;

(2)                                 It is payable
over the lifetime, or life expectancy, of a designated Beneficiary.  Payment must begin within one year of the
date of death; or

(3)                                 The designated
Beneficiary is the Owner’s spouse and he or she continues the Contract in his
or her name as new Owner.

 

Death after Maturity Date - If any Owner or the
Annuitant dies after the Maturity Date and before the payment of the entire
Maturity Proceeds, We pay any remaining balance as provided for in the
Settlement Option selected, at least as rapidly as under the method of payment
in effect at the Annuitant’s death.

 

Note:  We pay Death Benefit Proceeds once, at death
of the first to die of either an Owner or Annuitant.

 

INTEREST ON DEATH BENEFIT

We
pay interest on the Death Proceeds as described in Payment of Proceeds section.

 

BENEFICIARY

You
named the Beneficiary in the Application. 
While the Annuitant is alive You may change the Beneficiary by Notifying
Us.  A change will take effect on the
date We receive Notice.  Any change is subject
to payment or other action We take before receiving Notice.

 

Unless You Notify Us otherwise, these rules apply:

(1)                                 If You name
more than one Beneficiary, and any one Beneficiary dies before the Annuitant,
We pay the Death Benefit Proceeds to any surviving Beneficiary(ies).

(2)                                 If any
Beneficiary dies within 30 days after the Annuitant dies and We receive Notice
of the Death before We pay the Death Benefit Proceeds, We pay it as if the
Beneficiary died before the Annuitant.

(3)                                 If You have not
named a Beneficiary when the Annuitant dies, We pay the Death Benefit Proceeds
to the Annuitant’s estate.

(4)                                 If no named
Beneficiary is alive when the Annuitant dies, We pay the Death Benefit Proceeds
to the Annuitant’s estate.

(5)                                 We pay equal
amounts when more than one Beneficiary is to share the Death Benefit Proceeds.

(6)                                 When You do not
state Beneficiaries by name (such as “children”), We may find who they are from
sworn statements and not wait for court records.  The word “child” means only a child born to,
or adopted by, the Annuitant, it does not mean grandchild or stepchild.

 

12

 

SETTLEMENT OPTION PAY-OUT PROVISIONS

 

These are the guaranteed pay-out options from
which to choose at Surrender, Maturity or Death of an Owner or Annuitant where
there is a non-natural Owner.  You may
also choose any other Settlement Option We currently offer by Notifying
Us.  All pay-out options are for a
minimum of 5 years. We pay interest on the Proceeds as described in the Payment
of Proceeds section.

 

OPTION 1 - INCOME FOR
SPECIFIED PERIOD

We pay an income for a specific number of
years in equal installments.  We
guarantee these payments to be at least those shown in Table 1.

 

OPTION 2 - LIFE INCOME

We pay equal monthly payments for a specified
period certain and then for life.  We
guarantee these payments will be at least those shown in Table 2.

 

OPTION 3 - INCOME OF SPECIFIED
AMOUNT

We pay income of the specified amount until
the principal and interest are exhausted.

 

OPTION 4 - JOINT AND SURVIVOR
INCOME

We pay equal monthly payments during the
joint lifetime of the Annuitant and the named Beneficiary/Payee.  We determine the payment by the Age and sex
of each person from Table 3. The Annuitant must be at least 50 years old, and
the Beneficiary/Payee must be at least 45 years old, at the time of the first
monthly payment.

 

INTEREST ON SETTLEMENT OPTIONS

We pay at least the
minimum rate required by the state of issue.

 

EXCESS INTEREST

Excess
Interest is the difference between Our current rates and the minimum rate
required.  We determine Excess Interest,
if any, on Settlement Option amounts.  We
pay this excess under Option 1, 2, or 4 and add it to the period of payment
under Option 3.

 

SUPPLEMENTARY CONTRACT

When
We receive Notice requesting a Settlement Option, We issue a Supplementary
Contract in exchange for this Contract, stating the terms under which We make
payments.  The Supplementary Contract
states to whom We pay any remaining Proceeds if the Payee dies.  Once a Supplementary Contract is in effect
the method of pay-out cannot be changed and the contract cannot be commuted or
assigned.

 

If
any Owner of the Supplementary Contract dies before payments are complete, We
pay any remaining balance at least as rapidly as under the method of payment in
effect on the Owner’s date of Death.

 

13

 

TABLE
1

 

INCOME FOR SPECIFIED PERIOD FACTORS

 

	
  NO.
  OF YEARS 

  PAYABLE

  	
   

  	
  MONTHLY

  INSTALLMENTS*

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  1

  	
   

  	
  N/A

  	
   

  
	
  2

  	
   

  	
  N/A

  	
   

  
	
  3

  	
   

  	
  N/A

  	
   

  
	
  4

  	
   

  	
  N/A

  	
   

  
	
  5

  	
   

  	
  17.49

  	
   

  
	
  6

  	
   

  	
  14.72

  	
   

  
	
  7

  	
   

  	
  12.74

  	
   

  
	
  8

  	
   

  	
  11.25

  	
   

  
	
  9

  	
   

  	
  10.10

  	
   

  
	
  10

  	
   

  	
  9.18

  	
   

  
	
  11

  	
   

  	
  8.42

  	
   

  
	
  12

  	
   

  	
  7.80

  	
   

  
	
  13

  	
   

  	
  7.26

  	
   

  
	
  14

  	
   

  	
  6.81

  	
   

  
	
  15

  	
   

  	
  6.42

  	
   

  
	
  16

  	
   

  	
  6.07

  	
   

  
	
  17

  	
   

  	
  5.77

  	
   

  
	
  18

  	
   

  	
  5.50

  	
   

  
	
  19

  	
   

  	
  5.26

  	
   

  
	
  20

  	
   

  	
  5.04

  	
   

  

 

* Monthly installments shown
are for each $1,000 of net Proceeds applied at 2% interest, which is subject to
change as described on Page 13, Interest On Settlement Options.

 

14

 

TABLE 2

 

LIFE INCOME WITH SPECIFIED PERIOD CERTAIN FACTORS

 

	
   

  	
   

  	
  Life Only

  	
   

  	
  120

  Months Certain

  	
   

  	
  240

  Months Certain

  	
   

  
	
  Age

  	
   

  	
  Male

  	
   

  	
  Female

  	
   

  	
  Male

  	
   

  	
  Female

  	
   

  	
  Male

  	
   

  	
  Female

  	
   

  
	
  15

  	
   

  	
  $

  	
  2.28

  	
   

  	
  $

  	
  2.21

  	
   

  	
  $

  	
  2.28

  	
   

  	
  $

  	
  2.21

  	
   

  	
  $

  	
  2.28

  	
   

  	
  $

  	
  2.21

  	
   

  
	
  16

  	
   

  	
  $

  	
  2.30

  	
   

  	
  $

  	
  2.23

  	
   

  	
  $

  	
  2.30

  	
   

  	
  $

  	
  2.23

  	
   

  	
  $

  	
  2.30

  	
   

  	
  $

  	
  2.23

  	
   

  
	
  17

  	
   

  	
  $

  	
  2.32

  	
   

  	
  $

  	
  2.24

  	
   

  	
  $

  	
  2.32

  	
   

  	
  $

  	
  2.24

  	
   

  	
  $

  	
  2.31

  	
   

  	
  $

  	
  2.24

  	
   

  
	
  18

  	
   

  	
  $

  	
  2.34

  	
   

  	
  $

  	
  2.26

  	
   

  	
  $

  	
  2.34

  	
   

  	
  $

  	
  2.26

  	
   

  	
  $

  	
  2.33

  	
   

  	
  $

  	
  2.26

  	
   

  
	
  19

  	
   

  	
  $

  	
  2.36

  	
   

  	
  $

  	
  2.28

  	
   

  	
  $

  	
  2.35

  	
   

  	
  $

  	
  2.28

  	
   

  	
  $

  	
  2.35

  	
   

  	
  $

  	
  2.27

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  20

  	
   

  	
  $

  	
  2.37

  	
   

  	
  $

  	
  2.29

  	
   

  	
  $

  	
  2.37

  	
   

  	
  $

  	
  2.29

  	
   

  	
  $

  	
  2.37

  	
   

  	
  $

  	
  2.29

  	
   

  
	
  21

  	
   

  	
  $

  	
  2.39

  	
   

  	
  $

  	
  2.31

  	
   

  	
  $

  	
  2.39

  	
   

  	
  $

  	
  2.31

  	
   

  	
  $

  	
  2.39

  	
   

  	
  $

  	
  2.31

  	
   

  
	
  22

  	
   

  	
  $

  	
  2.41

  	
   

  	
  $

  	
  2.33

  	
   

  	
  $

  	
  2.41

  	
   

  	
  $

  	
  2.33

  	
   

  	
  $

  	
  2.41

  	
   

  	
  $

  	
  2.33

  	
   

  
	
  23

  	
   

  	
  $

  	
  2.44

  	
   

  	
  $

  	
  2.35

  	
   

  	
  $

  	
  2.43

  	
   

  	
  $

  	
  2.35

  	
   

  	
  $

  	
  2.43

  	
   

  	
  $

  	
  2.34

  	
   

  
	
  24

  	
   

  	
  $

  	
  2.46

  	
   

  	
  $

  	
  2.37

  	
   

  	
  $

  	
  2.46

  	
   

  	
  $

  	
  2.37

  	
   

  	
  $

  	
  2.45

  	
   

  	
  $

  	
  2.36

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  25

  	
   

  	
  $

  	
  2.48

  	
   

  	
  $

  	
  2.39

  	
   

  	
  $

  	
  2.48

  	
   

  	
  $

  	
  2.39

  	
   

  	
  $

  	
  2.47

  	
   

  	
  $

  	
  2.38

  	
   

  
	
  26

  	
   

  	
  $

  	
  2.50

  	
   

  	
  $

  	
  2.41

  	
   

  	
  $

  	
  2.50

  	
   

  	
  $

  	
  2.41

  	
   

  	
  $

  	
  2.50

  	
   

  	
  $

  	
  2.40

  	
   

  
	
  27

  	
   

  	
  $

  	
  2.53

  	
   

  	
  $

  	
  2.43

  	
   

  	
  $

  	
  2.53

  	
   

  	
  $

  	
  2.43

  	
   

  	
  $

  	
  2.52

  	
   

  	
  $

  	
  2.42

  	
   

  
	
  28

  	
   

  	
  $

  	
  2.56

  	
   

  	
  $

  	
  2.45

  	
   

  	
  $

  	
  2.55

  	
   

  	
  $

  	
  2.45

  	
   

  	
  $

  	
  2.55

  	
   

  	
  $

  	
  2.45

  	
   

  
	
  29

  	
   

  	
  $

  	
  2.58

  	
   

  	
  $

  	
  2.48

  	
   

  	
  $

  	
  2.58

  	
   

  	
  $

  	
  2.47

  	
   

  	
  $

  	
  2.57

  	
   

  	
  $

  	
  2.47

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  30

  	
   

  	
  $

  	
  2.61

  	
   

  	
  $

  	
  2.50

  	
   

  	
  $

  	
  2.61

  	
   

  	
  $

  	
  2.50

  	
   

  	
  $

  	
  2.60

  	
   

  	
  $

  	
  2.49

  	
   

  
	
  31

  	
   

  	
  $

  	
  2.64

  	
   

  	
  $

  	
  2.52

  	
   

  	
  $

  	
  2.64

  	
   

  	
  $

  	
  2.52

  	
   

  	
  $

  	
  2.63

  	
   

  	
  $

  	
  2.52

  	
   

  
	
  32

  	
   

  	
  $

  	
  2.67

  	
   

  	
  $

  	
  2.55

  	
   

  	
  $

  	
  2.67

  	
   

  	
  $

  	
  2.55

  	
   

  	
  $

  	
  2.66

  	
   

  	
  $

  	
  2.54

  	
   

  
	
  33

  	
   

  	
  $

  	
  2.70

  	
   

  	
  $

  	
  2.58

  	
   

  	
  $

  	
  2.70

  	
   

  	
  $

  	
  2.58

  	
   

  	
  $

  	
  2.69

  	
   

  	
  $

  	
  2.57

  	
   

  
	
  34

  	
   

  	
  $

  	
  2.73

  	
   

  	
  $

  	
  2.61

  	
   

  	
  $

  	
  2.73

  	
   

  	
  $

  	
  2.60

  	
   

  	
  $

  	
  2.72

  	
   

  	
  $

  	
  2.60

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  35

  	
   

  	
  $

  	
  2.77

  	
   

  	
  $

  	
  2.63

  	
   

  	
  $

  	
  2.76

  	
   

  	
  $

  	
  2.63

  	
   

  	
  $

  	
  2.75

  	
   

  	
  $

  	
  2.63

  	
   

  
	
  36

  	
   

  	
  $

  	
  2.80

  	
   

  	
  $

  	
  2.67

  	
   

  	
  $

  	
  2.80

  	
   

  	
  $

  	
  2.66

  	
   

  	
  $

  	
  2.78

  	
   

  	
  $

  	
  2.65

  	
   

  
	
  37

  	
   

  	
  $

  	
  2.84

  	
   

  	
  $

  	
  2.70

  	
   

  	
  $

  	
  2.84

  	
   

  	
  $

  	
  2.70

  	
   

  	
  $

  	
  2.82

  	
   

  	
  $

  	
  2.69

  	
   

  
	
  38

  	
   

  	
  $

  	
  2.88

  	
   

  	
  $

  	
  2.73

  	
   

  	
  $

  	
  2.88

  	
   

  	
  $

  	
  2.73

  	
   

  	
  $

  	
  2.85

  	
   

  	
  $

  	
  2.72

  	
   

  
	
  39

  	
   

  	
  $

  	
  2.92

  	
   

  	
  $

  	
  2.77

  	
   

  	
  $

  	
  2.92

  	
   

  	
  $

  	
  2.76

  	
   

  	
  $

  	
  2.89

  	
   

  	
  $

  	
  2.75

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  40

  	
   

  	
  $

  	
  2.97

  	
   

  	
  $

  	
  2.80

  	
   

  	
  $

  	
  2.96

  	
   

  	
  $

  	
  2.80

  	
   

  	
  $

  	
  2.93

  	
   

  	
  $

  	
  2.79

  	
   

  
	
  41

  	
   

  	
  $

  	
  3.01

  	
   

  	
  $

  	
  2.84

  	
   

  	
  $

  	
  3.00

  	
   

  	
  $

  	
  2.84

  	
   

  	
  $

  	
  2.97

  	
   

  	
  $

  	
  2.82

  	
   

  
	
  42

  	
   

  	
  $

  	
  3.06

  	
   

  	
  $

  	
  2.88

  	
   

  	
  $

  	
  3.05

  	
   

  	
  $

  	
  2.88

  	
   

  	
  $

  	
  3.01

  	
   

  	
  $

  	
  2.86

  	
   

  
	
  43

  	
   

  	
  $

  	
  3.11

  	
   

  	
  $

  	
  2.92

  	
   

  	
  $

  	
  3.10

  	
   

  	
  $

  	
  2.92

  	
   

  	
  $

  	
  3.06

  	
   

  	
  $

  	
  2.90

  	
   

  
	
  44

  	
   

  	
  $

  	
  3.16

  	
   

  	
  $

  	
  2.96

  	
   

  	
  $

  	
  3.15

  	
   

  	
  $

  	
  2.96

  	
   

  	
  $

  	
  3.10

  	
   

  	
  $

  	
  2.94

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  45

  	
   

  	
  $

  	
  3.21

  	
   

  	
  $

  	
  3.01

  	
   

  	
  $

  	
  3.20

  	
   

  	
  $

  	
  3.00

  	
   

  	
  $

  	
  3.15

  	
   

  	
  $

  	
  2.98

  	
   

  
	
  46

  	
   

  	
  $

  	
  3.27

  	
   

  	
  $

  	
  3.06

  	
   

  	
  $

  	
  3.25

  	
   

  	
  $

  	
  3.05

  	
   

  	
  $

  	
  3.20

  	
   

  	
  $

  	
  3.02

  	
   

  
	
  47

  	
   

  	
  $

  	
  3.33

  	
   

  	
  $

  	
  3.11

  	
   

  	
  $

  	
  3.31

  	
   

  	
  $

  	
  3.10

  	
   

  	
  $

  	
  3.25

  	
   

  	
  $

  	
  3.07

  	
   

  
	
  48

  	
   

  	
  $

  	
  3.39

  	
   

  	
  $

  	
  3.16

  	
   

  	
  $

  	
  3.37

  	
   

  	
  $

  	
  3.15

  	
   

  	
  $

  	
  3.30

  	
   

  	
  $

  	
  3.12

  	
   

  
	
  49

  	
   

  	
  $

  	
  3.45

  	
   

  	
  $

  	
  3.21

  	
   

  	
  $

  	
  3.43

  	
   

  	
  $

  	
  3.20

  	
   

  	
  $

  	
  3.35

  	
   

  	
  $

  	
  3.16

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  50

  	
   

  	
  $

  	
  3.52

  	
   

  	
  $

  	
  3.27

  	
   

  	
  $

  	
  3.50

  	
   

  	
  $

  	
  3.26

  	
   

  	
  $

  	
  3.41

  	
   

  	
  $

  	
  3.22

  	
   

  
	
  51

  	
   

  	
  $

  	
  3.59

  	
   

  	
  $

  	
  3.33

  	
   

  	
  $

  	
  3.56

  	
   

  	
  $

  	
  3.32

  	
   

  	
  $

  	
  3.47

  	
   

  	
  $

  	
  3.27

  	
   

  
	
  52

  	
   

  	
  $

  	
  3.67

  	
   

  	
  $

  	
  3.40

  	
   

  	
  $

  	
  3.63

  	
   

  	
  $

  	
  3.38

  	
   

  	
  $

  	
  3.52

  	
   

  	
  $

  	
  3.32

  	
   

  
	
  53

  	
   

  	
  $

  	
  3.74

  	
   

  	
  $

  	
  3.46

  	
   

  	
  $

  	
  3.71

  	
   

  	
  $

  	
  3.45

  	
   

  	
  $

  	
  3.59

  	
   

  	
  $

  	
  3.38

  	
   

  
	
  54

  	
   

  	
  $

  	
  3.83

  	
   

  	
  $

  	
  3.53

  	
   

  	
  $

  	
  3.79

  	
   

  	
  $

  	
  3.51

  	
   

  	
  $

  	
  3.65

  	
   

  	
  $

  	
  3.44

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  55

  	
   

  	
  $

  	
  3.91

  	
   

  	
  $

  	
  3.61

  	
   

  	
  $

  	
  3.87

  	
   

  	
  $

  	
  3.59

  	
   

  	
  $

  	
  3.71

  	
   

  	
  $

  	
  3.50

  	
   

  
	
  56

  	
   

  	
  $

  	
  4.01

  	
   

  	
  $

  	
  3.69

  	
   

  	
  $

  	
  3.96

  	
   

  	
  $

  	
  3.66

  	
   

  	
  $

  	
  3.78

  	
   

  	
  $

  	
  3.56

  	
   

  
	
  57

  	
   

  	
  $

  	
  4.10

  	
   

  	
  $

  	
  3.77

  	
   

  	
  $

  	
  4.05

  	
   

  	
  $

  	
  3.74

  	
   

  	
  $

  	
  3.84

  	
   

  	
  $

  	
  3.63

  	
   

  
	
  58

  	
   

  	
  $

  	
  4.21

  	
   

  	
  $

  	
  3.86

  	
   

  	
  $

  	
  4.14

  	
   

  	
  $

  	
  3.82

  	
   

  	
  $

  	
  3.91

  	
   

  	
  $

  	
  3.70

  	
   

  
	
  59

  	
   

  	
  $

  	
  4.32

  	
   

  	
  $

  	
  3.95

  	
   

  	
  $

  	
  4.24

  	
   

  	
  $

  	
  3.91

  	
   

  	
  $

  	
  3.98

  	
   

  	
  $

  	
  3.77

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  60

  	
   

  	
  $

  	
  4.43

  	
   

  	
  $

  	
  4.05

  	
   

  	
  $

  	
  4.35

  	
   

  	
  $

  	
  4.01

  	
   

  	
  $

  	
  4.05

  	
   

  	
  $

  	
  3.84

  	
   

  
	
  61

  	
   

  	
  $

  	
  4.56

  	
   

  	
  $

  	
  4.15

  	
   

  	
  $

  	
  4.46

  	
   

  	
  $

  	
  4.10

  	
   

  	
  $

  	
  4.12

  	
   

  	
  $

  	
  3.91

  	
   

  
	
  62

  	
   

  	
  $

  	
  4.69

  	
   

  	
  $

  	
  4.27

  	
   

  	
  $

  	
  4.58

  	
   

  	
  $

  	
  4.21

  	
   

  	
  $

  	
  4.19

  	
   

  	
  $

  	
  3.98

  	
   

  
	
  63

  	
   

  	
  $

  	
  4.83

  	
   

  	
  $

  	
  4.39

  	
   

  	
  $

  	
  4.70

  	
   

  	
  $

  	
  4.32

  	
   

  	
  $

  	
  4.25

  	
   

  	
  $

  	
  4.06

  	
   

  
	
  64

  	
   

  	
  $

  	
  4.98

  	
   

  	
  $

  	
  4.51

  	
   

  	
  $

  	
  4.83

  	
   

  	
  $

  	
  4.43

  	
   

  	
  $

  	
  4.32

  	
   

  	
  $

  	
  4.13

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  65

  	
   

  	
  $

  	
  5.14

  	
   

  	
  $

  	
  4.65

  	
   

  	
  $

  	
  4.96

  	
   

  	
  $

  	
  4.55

  	
   

  	
  $

  	
  4.39

  	
   

  	
  $

  	
  4.21

  	
   

  
	
  66

  	
   

  	
  $

  	
  5.32

  	
   

  	
  $

  	
  4.79

  	
   

  	
  $

  	
  5.10

  	
   

  	
  $

  	
  4.68

  	
   

  	
  $

  	
  4.45

  	
   

  	
  $

  	
  4.29

  	
   

  
	
  67

  	
   

  	
  $

  	
  5.50

  	
   

  	
  $

  	
  4.95

  	
   

  	
  $

  	
  5.25

  	
   

  	
  $

  	
  4.82

  	
   

  	
  $

  	
  4.51

  	
   

  	
  $

  	
  4.36

  	
   

  
	
  68

  	
   

  	
  $

  	
  5.70

  	
   

  	
  $

  	
  5.11

  	
   

  	
  $

  	
  5.40

  	
   

  	
  $

  	
  4.96

  	
   

  	
  $

  	
  4.57

  	
   

  	
  $

  	
  4.43

  	
   

  
	
  69

  	
   

  	
  $

  	
  5.91

  	
   

  	
  $

  	
  5.29

  	
   

  	
  $

  	
  5.56

  	
   

  	
  $

  	
  5.11

  	
   

  	
  $

  	
  4.63

  	
   

  	
  $

  	
  4.50

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  70

  	
   

  	
  $

  	
  6.13

  	
   

  	
  $

  	
  5.48

  	
   

  	
  $

  	
  5.72

  	
   

  	
  $

  	
  5.27

  	
   

  	
  $

  	
  4.68

  	
   

  	
  $

  	
  4.57

  	
   

  
	
  71

  	
   

  	
  $

  	
  6.37

  	
   

  	
  $

  	
  5.69

  	
   

  	
  $

  	
  5.89

  	
   

  	
  $

  	
  5.44

  	
   

  	
  $

  	
  4.73

  	
   

  	
  $

  	
  4.63

  	
   

  
	
  72

  	
   

  	
  $

  	
  6.62

  	
   

  	
  $

  	
  5.91

  	
   

  	
  $

  	
  6.06

  	
   

  	
  $

  	
  5.61

  	
   

  	
  $

  	
  4.78

  	
   

  	
  $

  	
  4.69

  	
   

  
	
  73

  	
   

  	
  $

  	
  6.89

  	
   

  	
  $

  	
  6.16

  	
   

  	
  $

  	
  6.24

  	
   

  	
  $

  	
  5.80

  	
   

  	
  $

  	
  4.82

  	
   

  	
  $

  	
  4.74

  	
   

  
	
  74

  	
   

  	
  $

  	
  7.18

  	
   

  	
  $

  	
  6.42

  	
   

  	
  $

  	
  6.41

  	
   

  	
  $

  	
  5.98

  	
   

  	
  $

  	
  4.85

  	
   

  	
  $

  	
  4.79

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  75

  	
   

  	
  $

  	
  7.49

  	
   

  	
  $

  	
  6.70

  	
   

  	
  $

  	
  6.59

  	
   

  	
  $

  	
  6.18

  	
   

  	
  $

  	
  4.89

  	
   

  	
  $

  	
  4.83

  	
   

  
	
  76

  	
   

  	
  $

  	
  7.82

  	
   

  	
  $

  	
  7.01

  	
   

  	
  $

  	
  6.78

  	
   

  	
  $

  	
  6.38

  	
   

  	
  $

  	
  4.91

  	
   

  	
  $

  	
  4.87

  	
   

  
	
  77

  	
   

  	
  $

  	
  8.17

  	
   

  	
  $

  	
  7.34

  	
   

  	
  $

  	
  6.96

  	
   

  	
  $

  	
  6.58

  	
   

  	
  $

  	
  4.94

  	
   

  	
  $

  	
  4.90

  	
   

  
	
  78

  	
   

  	
  $

  	
  8.55

  	
   

  	
  $

  	
  7.70

  	
   

  	
  $

  	
  7.14

  	
   

  	
  $

  	
  6.79

  	
   

  	
  $

  	
  4.96

  	
   

  	
  $

  	
  4.93

  	
   

  
	
  79

  	
   

  	
  $

  	
  8.96

  	
   

  	
  $

  	
  8.09

  	
   

  	
  $

  	
  7.31

  	
   

  	
  $

  	
  6.99

  	
   

  	
  $

  	
  4.98

  	
   

  	
  $

  	
  4.96

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  80

  	
   

  	
  $

  	
  9.39

  	
   

  	
  $

  	
  8.51

  	
   

  	
  $

  	
  7.49

  	
   

  	
  $

  	
  7.20

  	
   

  	
  $

  	
  4.99

  	
   

  	
  $

  	
  4.98

  	
   

  
	
  81

  	
   

  	
  $

  	
  9.86

  	
   

  	
  $

  	
  8.97

  	
   

  	
  $

  	
  7.65

  	
   

  	
  $

  	
  7.40

  	
   

  	
  $

  	
  5.00

  	
   

  	
  $

  	
  4.99

  	
   

  
	
  82

  	
   

  	
  $

  	
  10.36

  	
   

  	
  $

  	
  9.46

  	
   

  	
  $

  	
  7.81

  	
   

  	
  $

  	
  7.59

  	
   

  	
  $

  	
  5.01

  	
   

  	
  $

  	
  5.01

  	
   

  
	
  83

  	
   

  	
  $

  	
  10.89

  	
   

  	
  $

  	
  10.00

  	
   

  	
  $

  	
  7.97

  	
   

  	
  $

  	
  7.78

  	
   

  	
  $

  	
  5.02

  	
   

  	
  $

  	
  5.02

  	
   

  
	
  84

  	
   

  	
  $

  	
  11.46

  	
   

  	
  $

  	
  10.59

  	
   

  	
  $

  	
  8.11

  	
   

  	
  $

  	
  7.95

  	
   

  	
  $

  	
  5.03

  	
   

  	
  $

  	
  5.02

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  85

  	
   

  	
  $

  	
  12.06

  	
   

  	
  $

  	
  11.22

  	
   

  	
  $

  	
  8.25

  	
   

  	
  $

  	
  8.11

  	
   

  	
  $

  	
  5.03

  	
   

  	
  $

  	
  5.03

  	
   

  
	
  86

  	
   

  	
  $

  	
  12.71

  	
   

  	
  $

  	
  11.90

  	
   

  	
  $

  	
  8.37

  	
   

  	
  $

  	
  8.26

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.03

  	
   

  
	
  87

  	
   

  	
  $

  	
  13.40

  	
   

  	
  $

  	
  12.63

  	
   

  	
  $

  	
  8.49

  	
   

  	
  $

  	
  8.39

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  88

  	
   

  	
  $

  	
  14.14

  	
   

  	
  $

  	
  13.41

  	
   

  	
  $

  	
  8.59

  	
   

  	
  $

  	
  8.51

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  89

  	
   

  	
  $

  	
  14.92

  	
   

  	
  $

  	
  14.23

  	
   

  	
  $

  	
  8.68

  	
   

  	
  $

  	
  8.62

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  90

  	
   

  	
  $

  	
  15.75

  	
   

  	
  $

  	
  15.11

  	
   

  	
  $

  	
  8.77

  	
   

  	
  $

  	
  8.71

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  91

  	
   

  	
  $

  	
  16.63

  	
   

  	
  $

  	
  16.02

  	
   

  	
  $

  	
  8.84

  	
   

  	
  $

  	
  8.80

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  92

  	
   

  	
  $

  	
  17.57

  	
   

  	
  $

  	
  16.97

  	
   

  	
  $

  	
  8.91

  	
   

  	
  $

  	
  8.87

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  93

  	
   

  	
  $

  	
  18.56

  	
   

  	
  $

  	
  17.97

  	
   

  	
  $

  	
  8.97

  	
   

  	
  $

  	
  8.93

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  94

  	
   

  	
  $

  	
  19.63

  	
   

  	
  $

  	
  19.01

  	
   

  	
  $

  	
  9.02

  	
   

  	
  $

  	
  8.99

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  95

  	
   

  	
  $

  	
  20.77

  	
   

  	
  $

  	
  20.10

  	
   

  	
  $

  	
  9.06

  	
   

  	
  $

  	
  9.04

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  96

  	
   

  	
  $

  	
  22.01

  	
   

  	
  $

  	
  21.26

  	
   

  	
  $

  	
  9.10

  	
   

  	
  $

  	
  9.04

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  97

  	
   

  	
  $

  	
  23.37

  	
   

  	
  $

  	
  22.50

  	
   

  	
  $

  	
  9.12

  	
   

  	
  $

  	
  9.11

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  98

  	
   

  	
  $

  	
  24.88

  	
   

  	
  $

  	
  23.88

  	
   

  	
  $

  	
  9.14

  	
   

  	
  $

  	
  9.13

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  99

  	
   

  	
  $

  	
  26.60

  	
   

  	
  $

  	
  25.43

  	
   

  	
  $

  	
  9.16

  	
   

  	
  $

  	
  9.15

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  100

  	
   

  	
  $

  	
  28.57

  	
   

  	
  $

  	
  27.21

  	
   

  	
  $

  	
  9.17

  	
   

  	
  $

  	
  9.16

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  101

  	
   

  	
  $

  	
  30.84

  	
   

  	
  $

  	
  29.28

  	
   

  	
  $

  	
  9.17

  	
   

  	
  $

  	
  9.17

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  102

  	
   

  	
  $

  	
  33.48

  	
   

  	
  $

  	
  31.70

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  103

  	
   

  	
  $

  	
  36.57

  	
   

  	
  $

  	
  34.56

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  104

  	
   

  	
  $

  	
  40.20

  	
   

  	
  $

  	
  37.96

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  105

  	
   

  	
  $

  	
  44.50

  	
   

  	
  $

  	
  42.00

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  106

  	
   

  	
  $

  	
  49.61

  	
   

  	
  $

  	
  46.86

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  107

  	
   

  	
  $

  	
  55.74

  	
   

  	
  $

  	
  52.73

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  108

  	
   

  	
  $

  	
  63.15

  	
   

  	
  $

  	
  59.88

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  109

  	
   

  	
  $

  	
  72.20

  	
   

  	
  $

  	
  68.70

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  110

  	
   

  	
  $

  	
  83.42

  	
   

  	
  $

  	
  79.72

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  111

  	
   

  	
  $

  	
  97.59

  	
   

  	
  $

  	
  93.78

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  112

  	
   

  	
  $

  	
  116.03

  	
   

  	
  $

  	
  112.26

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  113

  	
   

  	
  $

  	
  141.56

  	
   

  	
  $

  	
  138.22

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  
	
  114

  	
   

  	
  $

  	
  187.79

  	
   

  	
  $

  	
  185.87

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  9.18

  	
   

  	
  $

  	
  5.04

  	
   

  	
  $

  	
  5.04

  	
   

  

 

Installments shown are monthly and are for each $1,000 of net Proceeds
applied.  Based on 2000 Individual
Annuity Table a, applied at 2% interest, which is subject to change as
described on Page 13, Interest On Settlement Options.

 

15

 

TABLE
3

 

JOINT AND SURVIVOR INCOME FACTORS

 

We will establish values for Age or sex combinations not shown in the
table on request.  They will be
calculated on the same basis as those in this table.

 

	
   

  	
   

  	
  Male Age

  	
   

  
	
  Female Age

  	
   

  	
  45

  	
   

  	
  50

  	
   

  	
  55

  	
   

  	
  60

  	
   

  	
  65

  	
   

  	
  70

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  45

  	
   

  	
  $

  	
  2.79

  	
   

  	
  $

  	
  2.86

  	
   

  	
  $

  	
  2.91

  	
   

  	
  $

  	
  2.95

  	
   

  	
  $

  	
  2.97

  	
   

  	
  $

  	
  2.99

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  50

  	
   

  	
  $

  	
  2.89

  	
   

  	
  $

  	
  3.00

  	
   

  	
  $

  	
  3.09

  	
   

  	
  $

  	
  3.15

  	
   

  	
  $

  	
  3.20

  	
   

  	
  $

  	
  3.23

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  55

  	
   

  	
  $

  	
  2.98

  	
   

  	
  $

  	
  3.13

  	
   

  	
  $

  	
  3.26

  	
   

  	
  $

  	
  3.38

  	
   

  	
  $

  	
  3.47

  	
   

  	
  $

  	
  3.53

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  60

  	
   

  	
  $

  	
  3.06

  	
   

  	
  $

  	
  3.25

  	
   

  	
  $

  	
  3.44

  	
   

  	
  $

  	
  3.61

  	
   

  	
  $

  	
  3.76

  	
   

  	
  $

  	
  3.88

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  65

  	
   

  	
  $

  	
  3.11

  	
   

  	
  $

  	
  3.34

  	
   

  	
  $

  	
  3.59

  	
   

  	
  $

  	
  3.84

  	
   

  	
  $

  	
  4.08

  	
   

  	
  $

  	
  4.28

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  70

  	
   

  	
  $

  	
  3.15

  	
   

  	
  $

  	
  3.41

  	
   

  	
  $

  	
  3.71

  	
   

  	
  $

  	
  4.04

  	
   

  	
  $

  	
  4.39

  	
   

  	
  $

  	
  4.72

  	
   

  

 

Installments shown are monthly and are for
each $1,000 of net Proceeds applied. 
Based on 2000 Individual Annuity Table a, applied at 2% interest, and
subject to change as described on Page 13, Interest On Settlement Options.

 

16

 

TABLE
OF GUARANTEED VALUES

 

Your Values will never be less than shown here if You pay Your Initial
Premium at issue, pay additional Planned Premium Amounts as You indicated on
Your Application, and don’t take any Withdrawals.  The Cash Surrender Value is calculated as
described on Page 7 and equals the greater of the Contract Value less
Surrender Charges and any MVA adjustment or the Minimum Guaranteed Surrender
Value.  The Death Benefit equals the
greater of the Contract Value or Minimum Guaranteed Surrender Value.

 

	
  End

  of

  Contract

  Year

  	
   

  	
  Total

  Premiums

  	
   

  	
  Cash

  Surrender

  Value

  	
   

  	
  Death

  Benefit

  	
   

  
	
  1

  	
   

  	
  $

  	
  20,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  2

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  3

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  4

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  5

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  6

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  7

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  8

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  9

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  10

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  11

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  12

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  13

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  14

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  15

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  16

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  17

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  18

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  19

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  20

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  30

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  40

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  50

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  60

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  70

  	
   

  	
  4,000

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Maturity

  	
   

  	
  $

  	
  332,000

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

Minimum Guaranteed Surrender Value at Maturity:                 

 

These
values are based on the following:

Initial
Premium:  $20,000.00

Planned
Premium Amount:  $4,000.00

Planned
Premium Mode: Annual

 

17

 

EAGLE

LIFE INSURANCE COMPANY

 

5000 Westown
Parkway

West Des Moines,
Iowa 50266

 

FLEXIBLE
PREMIUM DEFERRED INDEXED ANNUITY CONTRACT

 

Index
Credits currently linked to the S&P 500 Index

With Market Value Adjustment Provision

Which May Increase or Decrease Cash Surrender Values

Death
Benefit Prior to Maturity

Monthly
Income at Maturity

No
DividendsExhibit
4.(iii)

 

EAGLE
LIFE INSURANCE COMPANY

5000
Westown Parkway, West Des Moines, Iowa 50266, (888) 221-1234

 

CONFINEMENT
CARE RIDER

WAIVER OF SURRENDER
CHARGES FOR CONFINEMENT IN A

QUALIFIED CARE CENTER

 

This
Rider is a part of the Base Contract. 
Rider(s), Base Contract and attached Application make up the entire
Contract.  Base
Contract No.: XXXXXX

 

RIDER BENEFIT

After the third Contract Year You may take one
additional Penalty-free Withdrawal of up to 100%* of Your Contract Value if the
Annuitant is confined in a Qualified Care Center and said confinement is an
initial confinement occurring after the end of the third Contract Year.  The confinement must be for at least 90
consecutive days and We must receive written confirmation of said confinement
from the Qualified Care Center and a written recommendation/referral for such
confinement from the Annuitant’s Qualified Physician.

 

*If
the initial confinement occurs in the second or third Contract Year Your
Penalty-free Withdrawal percentage set forth in Your Base Contract increases to
20% annually.

 

All
other Limitations under the Base Contract apply.

 

DEFINITIONS

When
We use these words, We mean:

	
  Rider:

  	
  This
  Rider

  
	
  Base
  Contract:

  	
  The
  Contract to which this Rider is attached.

  
	
   

  	
   

  
	
  Qualified
  Physician:

  	
  Any
  person, who is licensed as an MD or DO to practice medicine in the United
  States and who is not the Annuitant, Owner or any member of either family.

  
	
   

  	
   

  
	
  Qualified
  Care Center:

  	
  Any
  one of the following:

  

 

QUALIFIED CARE CENTERS

Qualified Care
Centers are health care centers licensed and operated according to laws of
their location and for the purposes of this Rider consist of the following:

 

Skilled
Nursing Center—means a center:

1.   That provides skilled nursing care supervised
by a licensed physician; and

2.   Provides 24 hour-a-day nursing care by, or
supervised by, an R.N; and

3.   Keeps a daily medical record of each patient.

 

Intermediate
Care Center—means a center:

1.   That provides 24 hour-a-day nursing care by,
or supervised by, an R.N. or an L.P.N; and

2.   Keeps a daily medical record of each patient.

 

Hospital—means a center:

1.   That operates for the care and treatment of
sick or injured persons as inpatients; and

2.   Provides 24 hour-a-day nursing care by, or
supervised by, an R.N; and

3.   Is supervised by a staff of licensed
physicians; and

4.   Has medical, diagnostic and major surgical
capabilities or access to such capabilities.

 

Hospice—means a center:

1.               That provides a formal
program for a terminally ill patient whose life expectancy is less than 6 months,
provided on an inpatient basis directed by a Qualified Physician; and

2.               Is licensed, certified or
registered as a Hospice in accordance with state laws.

 

1

 

Qualified
Care Centers do NOT include:

1.              Drug or alcohol treatment
centers.

 

2.              Homes for the aged or
mentally ill, community living centers, or places that primarily provide
domiciliary, residency or retirement care.

 

3.              Places that are owned or
operated by a member of the Annuitant’s immediate family.

 

All
other definitions in the Base Contract, apply to this Rider.

 

TERMINATION

Rider
terminates on earliest of the date:

 

1.               The Base Contract matures.

 

2.               The Base Contract
terminates.

 

3.               You take Your additional
Withdrawal under this Rider; or

 

4.               The Annuitant dies.*

 

* If the Annuitant is the Owner, the
beneficiary under the Base Contract is the Annuitant’s spouse, the spouse opts
to become the new Owner, and You have not taken Your additional Withdrawal
under this Rider, then this Rider will remain in effect under the Ownership of
the surviving spouse.

 

GENERAL

Unless stated
otherwise, all provisions and limitations of the Base Contract apply to this
Rider.

 

EAGLE LIFE INSURANCE COMPANY

WEST DES MOINES, IOWA

 

 

	
  /s/ Debra J. Richardson

  	
   

  	
  /s/ David J. Noble

  
	
  Debra J. Richardson

  	
   

  	
  David J. Noble

  
	
             Secretary

  	
   

  	
           President

  

 

2

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