APPENDIX A
Maximum Initial Surrender Charges Per $1,000
Of Initial Specified Face Amount
Issue Age Sex Smoker Status Surrender Charge
------------ ----- ------------------ -----------------
25 Male Nonsmoker $14.00
35 Male Nonsmoker 17.00
45 Male Nonsmoker 24.00
55 Male Nonsmoker 35.00
65 Male Nonsmoker 36.00
75 Male Nonsmoker 37.00
25 Male Smoker 16.00
35 Male Smoker 21.00
45 Male Smoker 29.00
55 Male Smoker 37.00
65 Male Smoker 37.00
75 Male Smoker 38.00
25 Female Nonsmoker 13.00
35 Female Nonsmoker 16.00
45 Female Nonsmoker 21.00
55 Female Nonsmoker 30.00
65 Female Nonsmoker 36.00
75 Female Nonsmoker 36.00
25 Female Smoker 14.00
35 Female Smoker 18.00
45 Female Smoker 24.00
55 Female Smoker 33.00
65 Female Smoker 36.00
75 Female Smoker 37.00