| You may redeem your annuity in full at any time or choose a
lifetime guaranteed income. The charts you are about to see are based on a male with an
original investment of $100,000, exchanging this amount to SFr 150,000 and, electing a 10
year accumulation period of all interest and dividends. The starting income period is year
11 and is shown in the chart as year 1, the first year income starts. The income then
continues for life. The figures include the guaranteed interest plus profit sharing
dividends. Dividends are based on the insurance company's calculations (January 1999) and
are not guaranteed for the future. Differences according to age and gender may occur.
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