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              Example based on $1,000,000 premium and assuming a $10,000/mo payout. 
                | Year | Income Access 3.5% First Year
 1% Annual Trail
 | Income Access with ROP at death in year 5
 | Income Access NH confinement
 in year 5
 |   
                | 1 | $35,000 | $35,000 | $35,000 |   
                | 2 | $1,200 | $1,200 | $1,200 |   
                | 3 | $1,200 | $1,200 | $1,200 |   
                | 4 | $1,200 | $1,200 | $1,200 |   
                | 5 | $1,200 | $5,200 | $1,200 |   
                | 6 | $1,200 | $0 | $1,800 |   
                | 7 | $1,200 | $0 | $1,800 |   
                | 8 | $1,200 | $0 | $1,800 |   
                | 9 | $1,200 | $0 | $1,800 |   
                | 10 | $1,200 | $0 | $1,800 |   
                | 11 | $1,200 | $0 | $1,200 |   
                | 12...20* | $1,200 | $0 | $1,200 |  *Years 12-20 trail commissions continue to be paid yearly.
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   Annuities underwritten by United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175.
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