Annuity deposit rates tiered by total income set required deposits with capped limits based on income excess. The Schedule prescribes tiered annuity deposit obligations tied to a depositor's total income, setting percentage rates on adjusted total income for each income band and capping required deposits by formulas that combine a percentage-based amount on the lower income portion with one-half of the excess over the applicable threshold; 'total income' excludes any allowance under section 280-O of the Income-tax Act.