If an individual is considering moving to the payout phase of a variable

annuity, she should understand that the payments will:

A Never be less than the cost basis in the separate account

Be based on the performance of the subaccount products in the separate account

Be based on the performance of the subaccount products in the separate account with a rate of return that decreases at

a constant rate throughout the payout period

Be based on the performance of the subaccount products in the separate account with a rate of return that increases at

a constant rate throughout the payout period