Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

Allianz Life

2/7/2012

45 days from date app is received in home office

SPDA

Dominator Plus 5 & 7 year terms

5 Year Term: 3.00% 0-75 2.00% 76-80 1.00% 81-85 10 Year Term: 4.00% 0-75 3.00% 76-80 2.00% 81-85

5-year term: 1.50% $100,0001.50% $100,000+ 10-year term: 1.90% $100,0002.00% $100,000+ None

5-year term: $100,0001.50% $100,000+ 1.50% 10-year term: $100,0001.90% $100,000+ 2.00%

90% of premium @ 3%

Guar rate will never fall below 1.5% while contract is in deferral

Yes

0-85

$25,000

Loan Provision (Up to 50% of contract's cash surrender Full account value available for value ($50,000 max). Annuitization after one year if taken over 10+ years. Nursing Home (owner) (Can take accelerated distribution of the Full accumulation value is Optional rider allows you to take the full 10% beginning in the first contracts accumulation value through 100% chargeback on surrenders in *On 5-year term: available immediately as account value over less than 10 years. year of total premiums payments over a period as short as 5 first 6 months, 50% in second six 30-day window after 5th year to withdraw funds a lump sum or via a paid. years.) policy months without penalty or MVA. payout over 5 yrs RMD qualify as free withdraws, if taken annually lump in Dec.or monthly Income Plus Benefit RMDs can be taken free of charge if taken annually through year. Age 60 - 91 in December, or monthly throughout the year. Up to 10 years, DB is increased by Call us for details. greater of AV or Treasury Benchmark Rate 5 or 10 years 9, 8.1, 7.2, 6.3,5.4, 4.5, 3.6, 2.7, 1.8, 0.9

$10,000

2.60% for 5 years American Equity 8/1/2013 None SPDA Guarantee 5 3.00% to 75 2.00% 76-80 2.10% in CA,DE,MN,PA,WA None 2.60% 2% after 5th year Yes 0-80

$1,500,000 0-69 $1,000,000 70-74 $750,000 75-80 maximum

Interest withdrawals or RMD allowed in the first year if taken systematically. After first year, there is a 30-day window at the end of the year to remove the prior year's interest without penalty.

5 years 9,8,7,6,5 No surrender charges 30-day PRIOR to the end of the guarantee period for funds to be moved or surrendered.

Nursing Home Rider Full account value at death of owner or annuitant

Contract Value option A: life payout 5-25 yrs. Available for annuitants thru age 74. Allows penalty-free w/d of 20% of Option B: period certain (must be contract value after 90-day confinement. double remaining on it surrender Confinement must start after first charge period). contract anniversary.

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

$10,000

Interest withdrawals allowed in the first year if taken systematically. After first year, there is a 30-day window at the end of the year to remove the prior year's interest without penalty.

3.00% for 7 years American Equity 8/1/2013 None SPDA Guarantee 7 2.50% to 75 1.50% 76-80 2.50% in CA,DE,MN,PA, WA None 3.00% 2% after 7th year Yes 0-80

$1,500,000 0-69 $1,000,000 70-74 $750,000 75-80 maximum

7 years 9,8,7,6,5,4,3 No surrender charges 30-day PRIOR to the end of the guarantee period for funds to be moved or surrendered.

Nursing Home Rider Full account value at death of owner or annuitant

Contract Value option A: life payout 5-25 yrs. Available for annuitants thru age 74. Allows penalty-free w/d of 20% of Option B: period certain (must be contract value after 90-day confinement. double remaining on it surrender Confinement must start after first charge period). contract anniversary.

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

6.05% first year 2.05% base rate American General 8/12/2013 90 days from application signed date SPDA Horizon Plus SPDA (Form #04362) 2.75% to 75 1.70% 76-80 1.20% 81-85 not available in following states: AK, MN, MO, NY, OH, NJ,OR,PA,UT,WA. 4.00% 2.72% 1.00% Yes 0-85 $5,000

10% each year including the first GMW (87.5%@1.%)

9 years 9,8,7,6,5,4,3,2,1

Withdraw Value without MVA if lump sum Surrender value at death of owner (full account value if annuitized for 5+ years.)

Nursing Home (Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.) Annuitize after 5th year for at least 60 months using full account value

100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penaltyfree amounts. No chargeback at death

American General

8/12/2013

90 days from application signed date

SPDA

Horizon MYG (Form #04370)

4.00% to 75 2.20% 76-80 1.70% 81-85

5.10% first year 2.10% years 2-6 3.00% Not Available in AK,NJ,NY,UT 2.60% 1.00% Yes 0-85 $5,000

10% each year including the first GMW (87.5%@1%)

10 years 10,9,8,7,6,5,4,3,2,1 SC Modified Charges: 9,8,7,6,5,4,3,2,1

Nursing Home Full Account Value at death of owner (Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.) Annuitize after 5th year for at least 60 months using full account value

100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penaltyfree amounts. No chargeback at death

American General

8/12/2013

90 days from application signed date

SPDA

Horizon Select (Form #05377)

5 year: 2.20% 0-80 1.70% 81-85 7&10 year: 3.50% 0-80 2.50% 81-85

5 years: 2.05% 7 years: 2.25% 10 years: 2.85% None 10 yr not availabe in SC Call our office for details. N/A 1.00% Yes 0-85 $5,000

10% each year including the first GMW (87.5%@1%)

5, 7 or 10 years 10,9,8,7,6,5,4,3,2,1 Free out at end of initial guarantee period SC Modified Charges: 9,8,7,6,5,4,3,2,1

Nursing Home Full Account Value at death of owner (Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.) Annuitize after 5th year for at least 60 months using full account value

100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penaltyfree amounts. No chargeback at death

American General

8/12/2013

90 days from application signed date

SPDA

Horizon Secure (Form #05376)

5 year: 1.70% 0-80 1.20% 81-85 7 year: 3.00% 0-80 2.20% 81-85

5 years: 1.90% 7 years: 2.30% None Not Availabe in AK,CA,NY,UT N/A 1.00% No 0-85 $5,000

10% each year including the first GMW (87.5%@1.%)

Nursing Home 5 or 7 years 10,9,8,7,6,5,4,3,2,1 Free out at end of initial guarantee period Full Account Value at death of owner (Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.) Annuitize after 5th year for at least 60 months using full account value

100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penaltyfree amounts. No chargeback at death

2.20% to 75 1.70% 76-80 1.20% 81-85 Commission for premiums in yrs 2-5: FPDA Horizon Flex (Form #04371) 1.20% ages 0-80 1.20% ages 81-85 Subsequent commissions based on attained age at time premium is paid. 4.15% first year 2.15% base rate 2% on all first year premiums. 2.40% 1.00% No 0-85

$5,000+ EFT min. $100/month (optional) <$5,000 EFT min. $300/month (required) $2,000 min. nonEFT additional deposit 10% each year including the first

8 years 8,8,8,7,6,5,3,1 Contract Surrender Charges - No rolling surrender charges. SC Modified Charges: 8,7,6,6,5,4,3,1 Full Account Value at death of owner

Nursing Home (Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.) Annuitize after 5th year for at least 60 months using full account value

American General

8/12/2013

90 days from application signed date

100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penaltyfree amounts. No chargeback at death

Last updated 8/30/2013

www.Adams-Moore.com

For agent use only. Not all annuities approved in all states. Not responsible for errors.

Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

American General

8/12/2013

90 days from application signed date

SPDA

Horizon Achiever (Form#05377)

3.00% to 80 2.00% 81-85

2.05% years 1-6

None

1.95%

1.00%

Yes

0-85

$5,000 NQ or Q

10% each year including the first GMW (87.5%@1%)

10 years 10,9,8,7,6,5,4,3,2,1 30 Day Window after 6 years to withdraw funds without charge or MVA SC Modified Charges: 9,8,7,6,5,4,3,2,1 Full Account Value at death of owner

Nursing Home (Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.) Annuitize after 5th year for at least 60 months using full account value

100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penaltyfree amounts. No chargeback at death

American National

8/1/2013

60 days from app signed date

FPDA

Palladium Century FPDA

5.00% 0-74 2.50% 75-90

$5,000 NQ $100 Q $100 monthly EFT minimum afterwards 1.70% None N/A 1.00% Yes 0-90 Additional premiums accepted in first 7 years $1MM maximum

10% per year including first year

7 years 9,8,7,6,5,4,2 Contract Surrender Charges - No rolling surrender charges.

Full Account Value at death of owner

Nursing Home Disability (owner)

Annuitization before the annuity maturity date is not allowed under any circumstances.

*100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.

**$5,000 NQ $4,000 Q 60 days from app signed date Palladium Century 1 7.00% 0-74 4.50% 75-90 Additional premiums accepted in the first contract year only $1MM maximum 10% per year including first year 10 years 10,9,8,7,6, 5,4,3,2,1 Full Account Value at death of owner Nursing Home Disability (owner) Annuitization before the annuity maturity date is not allowed under any circumstances. *100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.

American National

8/1/2013

SPDA

2.70% first year

1.00%

N/A

1.00%

Yes

0-90

**$5,000 NQ $4,000 Q 60 days from app signed date Palladium Century 3 6.00% 0-74 3.50% 75-85 4.70% first year Additional premiums accepted in the first contract year only $1MM maximum 10% per year including first year 10 years 11,10,9,8,7, 6,5,4,3,2 Full Account Value at death of owner Nursing Home Disability (owner) Annuitization before the annuity maturity date is not allowed under any circumstances. *100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.

American National

8/1/2013

SPDA

3.00%

N/A

1.00%

Yes

0-85

**$5,000 NQ $4,000 Q 60 days from app signed date Palladium Century 5 5.00% 0-74 2.50% 75-80 Additional premiums accepted in the first contract year only $1MM maximum **$5,000 NQ $4,000 Q 60 days from app signed date Palladium Century 7 4.00% 0-74 2.00% 75-80 Additional premiums accepted in the first contract year only $1MM maximum 10% per year including first year 10 years 12,12,11,11, 10,9,8,6,4,2 Full Account Value at death of owner Nursing Home Disability (owner) Annuitization before the annuity maturity date is not allowed under any circumstances. *100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges. 10% per year including first year 10 years 12,12,11,10, 9,8,6,4,3,2 Full Account Value at death of owner Nursing Home Disability (owner) Annuitization before the annuity maturity date is not allowed under any circumstances. *100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.

American National

8/1/2013

SPDA

6.70% first year

5.00%

N/A

1.00%

Yes

0-80

American National

8/1/2013

SPDA

8.70% first year

7.00%

N/A

1.00%

Yes

0-80

American National

8/1/2013

60 days from app signed date

SPDA

Palladium MYG 5 SPDA

5 year term: 2.50% to 79 0.05% 80-85

$100,000+ 2.50% 1st year 1.50% years 2-5 <$100,000 2.40% 1st year 1.40% years 2-5

None

$100,000+ 1.60% <$100,000 1.50%

1.00%

Yes

0-85

$5,000 NQ or Q $1MM maximum

10 years 8,8,8,7,6,5,4,3,2,1 30-day window after initial guarantee period to Interest after 30 days, and surrender without penalty. 10% after first year (If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the initial 10-year term with surrender charges and MVA through the 10th year.)

Full account value at death of owner

Confinement (Available to age 80 at time of issue. 90day wait. 60-day confinement) Annuitization is allowed after the 3rd contract year without surrender Disability Waiver charges as long as the payout is at (If client is not receiving disability least 60+ months. MVA would still payments at time of issue, and is age apply. No surrender charges or MVA 65+ at time of disability) apply if annuitized during the 30-day window at the end of the initial Terminal Illness guarantee period. (If client is diagnosed as terminally ill after the date of issue.)

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.

American National

8/1/2013

60 days from app signed date

SPDA

Palladium MYG 6 SPDA

6 year term: 2.50% to 79 .50% 80-85

$100,000+ 1.90% for 6 years <$100,000 1.80% for 6 years

None

$100,000+ 1.90% <$100,000 1.80%

1.00%

Yes

0-85

$5,000 NQ or Q $1MM maximum

10 years 8,8,8,7,6,5,4,3,2,1 30-day window after initial guarantee period to Interest after 30 days, and surrender without penalty. 10% after first year (If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the initial 10-year term with surrender charges and MVA through the 10th year.)

Full account value at death of owner

Confinement (Available to age 80 at time of issue. 90day wait. 60-day confinement) Annuitization is allowed after the 3rd contract year without surrender Disability Waiver charges as long as the payout is at (If client is not receiving disability least 60+ months. MVA would still payments at time of issue, and is age apply. No surrender charges or MVA 65+ at time of disability) apply if annuitized during the 30-day window at the end of the initial Terminal Illness guarantee period. (If client is diagnosed as terminally ill after the date of issue.)

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.

Last updated 8/30/2013

www.Adams-Moore.com

For agent use only. Not all annuities approved in all states. Not responsible for errors.

Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

American National

8/1/2013

60 days from app signed date

SPDA

Palladium MYG 7 SPDA

7 year term: 2.50% to 79 .50% 80-85

$100,000+ 3.50% first year 2.50% years 2-7 <$100,000 3.40% first year 2.40% years 2-7

None

$100,000+ 2.64% <$100,000 2.54%

1.00%

Yes

0-85

$5,000 NQ or Q $1MM maximum

10 years 8,8,8,7,6,5,4,3,2,1 30-day window after initial guarantee period to Interest after 30 days, and surrender without penalty. 10% after first year (If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the initial 10-year term with surrender charges and MVA through the 10th year.)

Full account value at death of owner

Confinement (Available to age 80 at time of issue. 90day wait. 60-day confinement) Annuitization is allowed after the 3rd contract year without surrender Disability Waiver charges as long as the payout is at (If client is not receiving disability least 60+ months. MVA would still payments at time of issue, and is age apply. No surrender charges or MVA 65+ at time of disability) apply if annuitized during the 30-day window at the end of the initial Terminal Illness guarantee period. (If client is diagnosed as terminally ill after the date of issue.)

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.

American National

8/1/2013

60 days from app signed date

SPDA

Palladium MYG 8 SPDA

8 year term: 2.50% to 79 0.05% 80-85

$100,000+ 2.70% 8 years <$100,000 2.60% 8 years

None

$100,000+ 2.70% <$100,000 2.60%

1.00%

Yes

0-85

$5,000 NQ or Q $1MM maximum

10 years 8,8,8,7,6,5,4,3,2,1 30-day window after initial guarantee period to Interest after 30 days, and surrender without penalty. 10% after first year (If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the initial 10-year term with surrender charges and MVA through the 10th year.)

Full account value at death of owner

Confinement (Available to age 80 at time of issue. 90day wait. 60-day confinement) Annuitization is allowed after the 3rd contract year without surrender Disability Waiver charges as long as the payout is at (If client is not receiving disability least 60+ months. MVA would still payments at time of issue, and is age apply. No surrender charges or MVA 65+ at time of disability) apply if annuitized during the 30-day window at the end of the initial Terminal Illness guarantee period. (If client is diagnosed as terminally ill after the date of issue.)

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.

American National

8/1/2013

60 days from app signed date

SPDA

Palladium MYG 9 SPDA

9 year term 3.00% to 79 1.00% 80-85

$100,000+ 4.50% first year 2.50% years 2-9 <$100,000 4.40% first year 2.40% years 2-9

None

$100,000+ 2.72% <$100,000 2.62%

1.00%

Yes

0-85

$5,000 NQ or Q $1MM maximum

10 years 8,8,8,7,6,5,4,3,2,1 30-day window after initial guarantee period to Interest after 30 days, and surrender without penalty. 10% after first year (If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the initial 10-year term with surrender charges and MVA through the 10th year.)

Full account value at death of owner

Confinement (Available to age 80 at time of issue. 90day wait. 60-day confinement) Annuitization is allowed after the 3rd contract year without surrender Disability Waiver charges as long as the payout is at (If client is not receiving disability least 60+ months. MVA would still payments at time of issue, and is age apply. No surrender charges or MVA 65+ at time of disability) apply if annuitized during the 30-day window at the end of the initial Terminal Illness guarantee period. (If client is diagnosed as terminally ill after the date of issue.)

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.

American National

8/1/2013

60 days from app signed date

SPDA

Palladium MYG 10 SPDA

10 year term 4.00% to 79 2.00% 80-85

$100,000+ 3.60% first year 2.60% years 2-10 <$100,000 3.50% first year 2.50% years 2-10

None

$100,000+ 2.70% <$100,000 2.60%

1.00%

Yes

0-85

$5,000 NQ or Q $1MM maximum

10 years 8,8,8,7,6,5,4,3,2,1 30-day window after initial guarantee period to Interest after 30 days, and surrender without penalty. 10% after first year (If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the initial 10-year term with surrender charges and MVA through the 10th year.)

Full account value at death of owner

Confinement (Available to age 80 at time of issue. 90day wait. 60-day confinement) Annuitization is allowed after the 3rd contract year without surrender Disability Waiver charges as long as the payout is at (If client is not receiving disability least 60+ months. MVA would still payments at time of issue, and is age apply. No surrender charges or MVA 65+ at time of disability) apply if annuitized during the 30-day window at the end of the initial Terminal Illness guarantee period. (If client is diagnosed as terminally ill after the date of issue.)

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.

American National

8/1/2013

60 days from app signed date

SPDA Additional WealthQuest Citadel 5 premiums Diamond accepted in first year only

3.00% to 80 2.00% 81-85

$100,000+ 1.40% first year 1.40% 2nd year N/A <$100,000 1.30% first year 1.30% 2nd year N/A 1.00% No 0-85

Confinement (Available to age 80 at time of issue. 90day wait. 60-day confinement) $5,000 NQ or Q $1MM maximum 5 years 7,7,7,6,5 Contract Surrender Charges - No rolling surrender charges. Disability Waiver (If client is not receiving disability payments at time of issue, and is age 65+ at time of disability) Terminal Illness (If client is diagnosed as terminally ill after the date of issue.) Can annuitize the full contract value at 100% chargeback in the first 12 the end of the first contract year policy months for any withdrawal that without surrender penalties if incurs a surrender charge. annuitized for at least 10 years.

10% beginning in the first year

Full account value at death of owner

American National

8/1/2013

60 days from app signed date

FPDA

WealthQuest Citadel 7 Diamond

3.50% to 80 2.50% 81-85

$100,000+ 2.40% first year 1.40% 2nd year <$100,000 2.30% first year 1.30% 2nd year

$5,000 NQ $2,000 Q 1% on all premiums for 3 years N/A 1.00% No 0-85 $1,000 minimum additional premiums, or $100 ACH 10% beginning in the first year

Confinement (Available to age 80 at time of issue. 90day wait. 60-day confinement) 7 years 7,7,7,6,5,4,2 Contract Surrender Charges - No rolling surrender charges. Disability Waiver (If client is not receiving disability payments at time of issue, and is age 65+ at time of disability) Terminal Illness (If client is diagnosed as terminally ill after the date of issue.) Can annuitize the full contract value at 100% chargeback in the first 12 the end of the first contract year policy months for any withdrawal that without surrender penalties if incurs a surrender charge. annuitized for at least 10 years.

Full account value at death of owner

ENHANCED LIQUIDITY PACKAGE $5,000 2.25% to 75 1.50% 76-80 Athene Annuity 7/30/2013 60 days from app signed date SPDA MaxRate 5 SPDA Renewal Commission: 1.13% to 75 0.75% 76-80 2.85% (2.75% in FL) 2.65% with enhanced liquidity package (2.55% in FL) None N/A 1.00% Yes* 0-80 5 additional 10% each year after first deposits of at least only when purchasing the $500 allowed in the enhanced liquidity first 6 months package $1,000,000 maximum 10% each year after first SEPP 5 years 9,8,7,6,5 Full Account Value at death of owner Confinement 1-year wait, 90 day confinement RMD Terminal Illness 1-year wait 100% chargeback for full surrender, partial withdrawal, or death during Cash surrender value except for the 30 the first six months day window after initial rate guarantee and 50% in months 7-12. period 100% Charge back for Annuitization for 24 months.

Last updated 8/30/2013

www.Adams-Moore.com

For agent use only. Not all annuities approved in all states. Not responsible for errors.

Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

ENHANCED LIQUIDITY PACKAGE $5,000 NQ or Q 2.50% to 75 1.70% 76-80 Athene Annuity 6/28/2013 60 days from app signed date SPDA MaxRate 7 SPDA Renewal Commission: 1.25% to 75 0.85% 76-80 3.25% (3.15% in FL) 3.00% with enhanced liquidity package (2.90% in FL) None N/A 1.00% Yes* 0-80 5 additional 10% each year after first deposits of at least only when purchasing the $500 allowed in the enhanced liquidity first 6 months package $1,000,000 maximum 10% each year after first SEPP 7 years 9,8,7,6,5,4,3 Full Account Value at death of owner Confinement 1-year wait, 90 day confinement RMD Terminal Illness 1-year wait 5-year term* 9,8,7,6,5 5-year term: 2.50% to 79 1.25% 80-90 F&G Life 8/1/2013 60 days from date app received SPDA FG Guarantee Plus 7-year term: 3.25% to 79 1.625% 80-90 5-year term: 3.00% first year 2.00% years 2-5 7-year term: 3.50% first year 2.50% years 2-7 1.00% 7 years: 2.64% 7-year term 9,8,7,6,5,4,3** 5 years: 2.20% 1.00% Yes 0-90 $5,000 NQ $2,000 Q Cumulative interest, beginning in 30 days *In NC, surrender charges do not renew after 5th Surrender value at death year. In other states, there's a 30-day window to None of owner withdraw funds without penalty. Otherwise, annuity renews for another 5 years with identical surrender charges. ** 30-day window after 7th year. Or, auto-renewal into new 7 year surrender period with same surrender charges as shown above. Annuitization available at any time (Please check commission chargeback provisions.) 100% chargeback for full surrender, partial withdrawal, or death during Cash surrender value except for the 30 the first six months day window after initial rate guarantee and 50% in months 7-12. period 100% Charge back for Annuitization for 24 months.

No chargeback of commission at death. 100% chargeback for surrenders in first 12 months, 50% in months 13-24. Commission adjustment to SPIA commission for Annuitization of a deferred contract in the first 12 months.

5-year term* 9,8,7,6,5 7-year term 9,8,7,6,5,4,3** $5,000 NQ $2,000 Q Cumulative interest, beginning in 30 days *In NC, surrender charges do not renew after 5th year. In other states, there's a 30-day window to withdraw funds without penalty. Otherwise, annuity renews for another 5 years with identical surrender charges. ** 30-day window after 7th year. Or, auto-renewal into new 7 year surrender period with same surrender charges as shown above. Full account value at death of owner

F&G Life

8/1/2013

60 days from date app received

SPDA

FG Guarantee Platinum

5-year term: 2.50% to 79 1.25% 80-90 7-year term: 3.25% to 79 1.625% 80-90

5-year term: 2.10% for 5 years (1.95% in NC) 7-year term: 2.60% for 7 years

None

5 years: 2.10% (1.95% in NC) 7 years: 2.60%

Nursing Home Annuitization available at any time Terminal Illness Unemployment

1.00%

Yes

0-90

(Please check commission chargeback (.50% reduction in commission when provisions.) the total premium for any client in the same year exceeds $600,000, retroactive to the first dollar of commission.)

3 years 9,8,7 F&G Life 8/1/2013 60 days from date app received SPDA FG Guarantee Platinum 3 1.50% to 79 0.75% 80-90 1.20% for 3 years None 1.20% 1.00% Yes 0-90 $5,000 NQ $2,000 Q Cumulative interest, beginning in 30 days 30-day window following initial guarantee period to withdraw funds without penalty. Otherwise, surrender charges renew and start over at 9%. Full account value at death of owner

Nursing Home Annuitization available at any time Terminal Illness Unemployment (Please check commission chargeback provisions.)

7.00% to 75 5.00% 76-85 Forethought Life 7/22/2013 45 days from app signed date SPDA Secure Income 125 Commissions are reduced by 1.00% in the states of AK, CT, DE, MN, OR, SC, TX and UT.

$250K+ 1.25% first year $100K - $249K 1.25% first year $25K - $99K 1.25% first year (1.00% min.)

None

N/A *No market value adjustment to the surrender charge in a rising rate environment

$25,000 1.00% No 0-85 Maximum: $1,000,000 0-75; $500K 76+

10% each year after the first. Free RMD for all Q plans

10 years: 12,12,11,10,9,8,7,6,4,2

Nursing Home(at any time on or after the 1st contract anniversary, if client should become confined to an approved nursing facility for at least 60 Full account value at consecutive days, withdrawal charges death of the owner on any portion of the CV withdrawn will After 5th contract year without penalty be waived. Optional: Increased if choose a payout option of at least 5 Death Benefit Guarantee years certain. Terminal Illness Rider (1.25% Cost) LIFETIME INCOME RIDER 25% PREMIUM BONUS PLUS 5% GUARANTEED INTEREST FOR 10 YEARS IN THE INCOME ACCOUNT

100% Chargeback for death or any withdrawals in the first year. Issue Age 0-80 100% 0-6 months 50% months 7-12 Issue Age 81+ 100% 0-12 months

1 Year Guarantee: $250,000+ 4.15% first year $100,000 - $249,999 3.40% first year $15,000 - $99,999 2.40% first year (1.65% bailout rate in years 2-6)

$250K+ 2.06% $100k - $249K 1.94% <$99K 1.77%

3 Year Guarantee: $250K+ 3.05% years 1-3 60 days from date application received 3.00% to 75 1.95% 76-80 1.05% 81-85 $100K - $249K 2.85% years 1-3 <$99K 2.25% years 1-3 (1.65% bailout rate in years 4-6)

$250K+ 2.35% $15,000 None $100k - $249K 2.25% <$99K 1.95% 1.00% No 0-85 $500,000 maximum

10% each year including the first Available after 30 days

Genworth

7/31/2013

SPDA

SecureLiving Liberty

6 years: 9,9,8,7,6,5

Medical Care/Nursing Home Waiver Full account value at death of the owner Bail Out Guaranteed Return of Premium

Can annuitize after 13 months without 100% Chargeback for death in the any surrender charges. first 6 months for any owner with an issue age of 76 or older. Options are Lifetime Income with 100% Chargeback the first twelve Period Certain (10, 15, or 20 years) or months for Full or Partial Joint Life and Survivor Income with 10 Withdrawals above the penalty free Year Period Certain. amount.

Last updated 8/30/2013

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Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

Genworth

7/31/2013

60 days from date application received Rate Lock

SPDA

SecureLiving Liberty

3.00% to 75 1.95% 76-80 1.05% 81-85 Commission Current Rate

$15,000 None 1st year premium/ interest rate bonus Average Annual Yield 1.00% Min Guar Rate MVA No 0-85 $500,000 maximum Min/Max Premium

10% each year including the first Available after 30 days

6 years: 9,9,8,7,6,5

Medical Care/Nursing Home Waiver Full account value at death of the owner Death Benefit Bail Out Guaranteed Return of Premium

Company

Effective Date

SPDA/ FPDA

Product

Issue Ages

Liquidity

Surrender Charges

Waivers

Can annuitize after 13 months without 100% Chargeback for death in the any surrender charges. first 6 months for any owner with an issue age of 76 or older. Options are Lifetime Income with 100% Chargeback the first twelve Period Certain (10, 15, or 20 years) or months for Full or Partial Joint Life and Survivor Income with 10 Withdrawals above the penalty free Year PeriodAnnuitization Certain. amount. Commission Options Chargeback Rules

5 Year Guarantee: $250K+ 2.55% years 1-5 $100K - $249K 2.40% years 1-5 <$99K 2.00% years 1-5 (1.65% bailout rate in year 6) $100K+ 4.80% first year $50,000 - $99,999 4.30% first year Genworth 7/31/2013 60 days from date application received SPDA SecureLiving Independence 2.25% to 75 1.31% 76-80 0.94% 81-85 $15,00 - $49,999 3.80% first year (2.55% bailout rate in years 1 &2 yr $15,000$100,000+ ) .50%and 1.00% depending on premium amounts

$250K+ 2.40% $100k - $249K 2.27% <$99K 1.94%

$15,000 N/A 1.00% years 1-6 No 0-85 $500,000 maximum

10% each year including the first Available after 30 days 6 years: 9,9,8,7,6,5 Full account value at death of the owner

Medical Care/Nursing Home Waiver (90 day wait, 30 day confinement) Guaranteed Return of Premium

Can annuitize after 13 months without 100% Chargeback for death in the any surrender charges. first 6 months for any owner with an issue age of 76 or older. Options are Lifetime Income with 100% Chargeback the first twelve Period Certain (10, 15, or 20 years) or months for Full or Partial Joint Life and Survivor Income with 10 Withdrawals above the penalty free Year Period Certain. amount.

1-Year Guarantee: 2.60% < $49,999 3.35% $50k - $99,999 4.10% - $100k+ None N/A

3-Year Guarantee: 2.05% - < $49,999 Genworth 7/31/2013 60 days from date application received SPDA SecureLiving Smart Rate 3.00% to 75 2.70% 76-80 1.05% 81-85 2.45% $50k - $99,999 3.85% $100k+ None N/A 1.00% No 0-85

$5,000 NQ $2,000 Q $500,000 maximum

10% each year including the first. Available after 30 days

7 years: 7,7,7,6,5,4,3

Medical Care/Nursing Home Waiver Full account value at death of the owner (90 day wait, 30 day confinement) Guaranteed Return of Premium

Can annuitize after 13 months without 100% Chargeback for death in the any surrender charges. first 6 months for any owner with an issue age of 76 or older. Options are Lifetime Income with 100% Chargeback the first twelve Period Certain (10, 15, or 20 years) or months for Full or Partial Joint Life and Survivor Income with 10 Withdrawals above the penalty free Year Period Certain. amount.

5-Year Guarantee: 1.65% - < $49,999 None 2.00% $50k - $99,999 2.20% $100k+ N/A

First Year 5.75% to 70 4.65% 71-80 4.40% 81-89 30 days from date application received Second Year 5.00% 0-70 3.85% 71-80 3.60% 81-89 Third Year 4.05% 0-70 2.95% 71-80 2.00% 81-89 4.03% effective yield 1% Annuitization (assuming you are bonus vests per annuitizing for min. of year, up to 10% 7 years.)

$10,000 Maximum: 10% of the initial purchase $750,000 for ages payment in the first 0-79. $500,000 for contract year. After first ages 80+ contract year, 10% per year of cash value, as of Additional most recent contract premiums accepted anniversary in first three contract years; min $5,000

Great American

8/7/2013

SPDA

Secure American

3.00% AV* 1.00% SV*

1.00%

No

0-89(NQ) 18-89(Q)

7 years 9,8,7,6,5,4,3 Applies to each purchase payment

Upon the death of the owner, the death benefit will equal the account value, which includes any earned Annuitization bonus if the contract is annuitized, less any applicable premium tax or other taxes not previously deducted.

Extended Care Terminal Illness Up to 10% Annuitization bonus

If the contract is annuitized after the first contract year for a period of at least seven years, a bonus will be added to the account value. The bonus will be equal to 1% of the amount annuitized for each completed contract year, up to a maximum of 10%. Withdrawals, surrenders, loans and ESP payments will adversely affect the amount available for Annuitization.

ANNUITIZATION 100% in the first year for periods of 10+ years or life; 50% for 9 years or less DEATH 50% in the first 6 months only PARTIAL WITHDRAWALS 100% in months 1-6; 50% in months 7-12 SURRENDERS 100% in months 0-6; 50% in months 7-12

Great American

8/7/2013

30 days from date application received

SPDA

Secure Gain 5

2.50% to age 80 1.50% ages 81-89

<$100,000 2.15% year 1 2.00% year 2 2.10% year 3 2.20% year 5 2.30% year 5 $100,000+ .10% bps higher

.25% interest rate bonus for one year

<$100,000 2.15% 1.00% $100,000+ 2.25%

Yes (No MVA in IN, MN, MO, OH, VA) 18-89 Q 0-89 NQ

$10,000 $750,000 max for ages 0-79 $500,000 max for ages 80+

10% during the first year, and 10% each year thereafter (noncumulative) as of the end of the prior contract anniversary.

9,8,7,6,5

DEATH Full account value at 50% in the first 6 months only Annuitization allowed at any time the death of the Terminal Illness Waiver using full account value PARTIAL WITHDRAWALS owner (diagnosed after first contract year; 12 100% in months 1-6; months or less to live as diagnosed by a 50% in months 7-12 physician) SURRENDERS 100% in months 0-6; 50% in months 7-12

Extended Care Waiver (confinement after first contract year, 90 consecutive days)

ANNUITIZATION 100% in the first year for periods of 10+ years or life; 50% for 9 years or less

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Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

Great American

8/7/2013

30 days from date application received

SPDA

Secure Gain 7

2.50% to age 80 1.50% ages 81-89

<$100,000 2.60% year 1 1.85% year 2 2.10% year 3 2.35% year 5 2.60% year 5 2.85% year 6 3.10% year 7 $100k + .10 bps higher

1.00% interest rate bonus for one year .25% added to base rate in years 2-7

<$100,000 2.49% 1.00% $100,000+ 2.59%

Yes (No MVA in IN, MN, MO, OH, VA) 18-85 Q 0-85 NQ

$10,000 $750,000 max for ages 0-79 $500,000 max for ages 80+

10% during the first year, and 10% each year thereafter (noncumulative) as of the end of the prior contract anniversary.

9,8,7,6,5,4,3

Extended Care Waiver (confinement after first contract year, 90 DEATH consecutive days) Full account value at 50% in the first 6 months only Annuitization allowed at any time the death of the Terminal Illness Waiver using full account value PARTIAL WITHDRAWALS owner (diagnosed after first contract year; 12 100% in months 1-6; months or less to live as diagnosed by a 50% in months 7-12 physician) SURRENDERS 100% in months 0-6; 50% in months 7-12

ANNUITIZATION 100% in the first year for periods of 10+ years or life; 50% for 9 years or less

Guggenheim

8/1/2013

45 days from date application received

SPDA

ProOption 5 With Return of Premium

2.50% to age 80 1.88% ages 81-85 1.25% ages 86-90

2.15% year 1 2.25% year 2 2.35% year 3 2.45% year 5 2.55% year 5

None

Same as guaranteed rate

1.00%

Yes

0-90 Q & NQ

Qualified: $5,000 Min $1,000,000 Max Non-Qualified $10,000 Min $1,000,000 Max

10% of previous anniversary account value in Year 2 and later. 7,6,5,4,3 RMD's allowed in all years (with chargeback in Year 2)

Full account value at the death of the Nursing Home owner. (Contract purchased prior to age 76, 90 consecutive days) Surrender charges Terminal Illness waived (Contract Purchased prior to age 70) No MVA applied.

Can annuitize at any time . Surrender charges are waived 100% on any withdrawal or death upon Annuitixation for a within 1st contract year. minimum of 10 years, or 5 years after the initial guarantee period.

Guggenheim

8/1/2013

45 days from date application received

SPDA

ProOption 7 With Return of Premium

2.50% to age 80 1.88% ages 81-85 1.25% ages 86-90

2.55% year 1 2.65% year 2 2.75% year 3 2.85% year 5 2.95% year 5 3.05% year 6 3.15% year 7

None

Same as guaranteed rate

1.00%

Yes

0-90 Q & NQ

Qualified: $5,000 Min $1,000,000 Max Non-Qualified $10,000 Min $1,000,000 Max

10% of previous anniversary account value in Year 2 and later. 7,6,5,4,3,2,1 RMD's allowed in all years (with chargeback in Year 2)

Full account value at the death of the Nursing Home owner. (Contract purchased prior to age 76, 90 consecutive days) Surrender charges Terminal Illness waived (Contract Purchased prior to age 70) No MVA applied.

Can annuitize at any time . Surrender charges are waived 100% on any withdrawal or death upon Annuitixation for a within 1st contract year. minimum of 10 years, or 5 years after the initial guarantee period.

Guggenheim

8/1/2013

45 days from date application received

SPDA

ProOption 10 With Return of Premium

3.00% to age 80 2.25% ages 81-85 1.50% ages 86-90

2.70% year 1 2.80% year 2 2.90% year 3 3.00% year 4 3.10% year 5 3.20% year 6 3.30% year 7 3.40% year 8 3.50%year 9 3.60% year 10

None

Same as guaranteed rate

1.00%

Yes

0-90 Q & NQ

Qualified: $5,000 Min $1,000,000 Max Non-Qualified $10,000 Min $1,000,000 Max

10% of previous anniversary account value in Year 2 and later. 7,6,5,4,3,2,1,1,1,0.75 RMD's allowed in all years (with chargeback in Year 2)

Full account value at the death of the Nursing Home owner. (Contract purchased prior to age 76, 90 consecutive days) Surrender charges Terminal Illness waived (Contract Purchased prior to age 70) No MVA applied.

Can annuitize at any time . Surrender charges are waived 100% on any withdrawal or death upon Annuitixation for a within 1st contract year. minimum of 10 years, or 5 years after the initial guarantee period.

3-year term: 2.10% $250K+ 2.00% under $250K 4-year term: 2.35% $200K+ 2.25% under $250K 5-year term: 2.80% $250K+ 2.70% under $200K 6-year term: 3.00% $250K+ 2.90% under $250K 7-year term: 3.30% $250K+ 3.20% under $250K 8-year term: 3.40% $250K+ 3.30 under $250K 9-year term: 3.50% $250K+ 3.40% under $250K 10-year term: 3.60% $250K+ 3.50% under $250K 7 year term: Option A 2.50% 0-76 w/ no trail Option B, C, D 1.50% 0-76 w/.25% trail .25% reduction over 76 7-year guaranteed rate $15,000 - $74,999 1.50%

None

Same as guaranteed rate Same as guaranteed rate

3-year term: 7,6,5 4-year term: 7,6,5,4

3-Year term 1.00% to 80 0.75% 81-85 0.50% 86-90 4-Year term 1.75% to 80 1.31% 81-85 0.88% 86-90 Guggenheim 8/1/2013 45 days from date application received SPDA Preserve Multi-Year Guaranteed Annuity 5-9 year terms 2.50% to 80 1.88% 81-85 1.25% 86-90 10- year term 3.00% to 80 2.25% 81-85 1.50% 86-90 *Call for renewals

None

None

Same as guaranteed rate

5-year term: 7,6,5,4,3

None

Same as guaranteed rate 1.00% Yes 0-90 Q & NQ

Qualified: $5,000 Min $1,000,000 Max Non-Qualified $10,000 Min $1,000,000 Max

10% of previous anniversary account value in Year 2 and later. RMD's allowed in all years (with chargeback in Year 2)

6-year term: 7,6,5,4,3,2

Full account value at death Surrender charges waived No MVA applied.

None

Same as guaranteed rate

7-year term: 7,6,5,4,3,2,1

Nursing Home (Contract purchased prior to age 76, 90 Can annuitize at any time . Surrender consecutive days) charges are waived upon Annuitixation 100% on any withdrawal or death for a minimum of 10 years, or 5 years within 1st contract year. Terminal Illness after the initial guarantee period. (Contract Purchased prior to age 70)

None

Same as guaranteed rate

8-year term: 7,6,5,4,3,2,1,1

None

Same as guaranteed rate

9-year term: 7,6,5,4,3,2,1,1,1

None

Same as guaranteed rate

10-year term: 7,6,5,4,3,2,1,1,1,0.75

$15,000+ 1.50% 1% on $75,000+ 75,000+ 1.64% See Left Yes 0-80 $15,000 Interest in 30 days, 10% after one year Annuitize your contract prior to 9th Nursing Home & Terminal Illness contract anniv. cash surrender value will be applied to the payout option, if Surrender charges waived if owner is Accumulation value is pd. you annuitize your contract on after the confined for at least 45 days during any to the beneficiary 9th contract anniv, the accumulation 30 day window at end of initial guarantee period to continuous 60-day period. value will be applied to payout option. withdraw funds without penalty. After window, Annuitization available after 1st surrender charges continue but do not reset. Guaranteed Return of Premium contract yr for a min. of 10 yrs. 7 or 10 years 9,8,7,6,5, 4,3,2,1 Chargeback for surrenders or Annuitization in the first year: 100% first 6 months 50% months 7-12 No chargeback at death in first year. .

ING USA

7/17/2013

45 days from date transfer request is sent by ING

$75,000+ 2.50% 1st year 1.50% years 2-7

SPDA

Guarantee Choice Annuity

Last updated 8/30/2013

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Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date 7/17/2013 Rate Lock 45 days from date transfer request is sent by ING SPDA/ FPDA SPDA Product Guarantee Choice Annuity Commission Current Rate premium/ interest rate bonus 10 year term: Option A 3.25% 0-76 w/ no trail Option B, C, D 2.00% 0-80 w/.25% trail .25% reduction over 76 2.00% to 75 1.50% 76-85 1.20% 86-89 2.50% 0-75 2.00% 76-85 1.70% 86-89 3.00% 0-75 2.20% 76-85 1.80% 86-89 3.50% 0-75 2.70% 76-85 2.00% 86-89

Average Annual Yield

Min Guar Rate See Left Yes MVA

Issue Ages 0-80

Min/Max Premium $15,000

Liquidity Interest in 30 days, 10% after one year

ING USA

10-year guaranteed rate $15,000 - $74,999 1.50% 1% on $75,000+ $75,000+ 2.50% 1st year 1.50% years 2-10 4 years: 2.00% first year 1.00% years 2-4 5 years: 2.40% first year 1.40% years 2-5 7 years: 3.25% first year 2.25% years 2-7 10 years: 3.60% first year 2.60% years 2-10 QIO 1st.yr rate 2.75%

$15,000+ 1.50% 75,000+ 1.60%

Death Annuitization Annuitize your contract prior to 9th Waivers Nursing Home & Terminal Illness contract anniv. Options cash surrender value Benefit will be applied to the payout option, if Surrender charges waived if owner is Accumulation value is pd. you annuitize your contract on after the confined for at least 45 days during any to the beneficiary 9th contract anniv, the accumulation 30 day window at end of initial guarantee period to continuous 60-day period. value will be applied to payout option. withdraw funds without penalty. After window, Annuitization available after 1st surrender charges continue but do not reset. Guaranteed Return of Premium contract yr for a min. of 10 yrs.

Surrender 7 or 10 years Charges 9,8,7,6,5, 4,3,2,1

Chargeback for surrenders or Commission Annuitization in the first year: Chargeback Rules 100% first 6 months 50% months 7-12 No chargeback at death in first year. .

1.00%

1.25%

0-89 4, 5, 7, or 10 years 8,8,7,7,6,5,4,3,2,1 10% beginning in the first year 30-day window BEFORE end of initial GRO period to withdraw funds without penalty or MVA No MVA at death. Full account value at the death of the annuitant

Nursing Home $20,000 Max premium $1M 0-75 $750K 76-89 Terminal Illness RMD Full Annuitization after 1st. Year partial @ maturity Full account value upon Annuitization 100% chargeback in the first 12 months for surrenders in each GRO period. No chargeback at death.

Integrity Life

7/31/2013

60 days from date application received

1.00%

1.60% 1.00% Yes

0-89

SPDA

MultiVantage

1.00%

2.39%

0-89

1.00%

2.70%

0-89

2 year & 3-year GRO will be closed to renewals, fund transfers, and new contributions eff. 9/30/12.

n/a

n/a $5,000 NQ $2,000 Q

Guaranteed Rate Option: 5.00% to 79 3.00% 80-85

5-year GRO rate: 2.00% first year 1.25% years 2-5 2.20% first year 1.45% years 2-6 7-year GRO rate: 2.65% first year 1.90% years 2-7 10-year GRO rate: 2.95% first year 2.20 years 2-10 1-year rate: 2.75% 3-year rate: 2.65% first year 1.65% years 2-3 5 year rate: 2.50% first year 1.50% years 2-5 7 year rate: 2.30% first year 1.30% years 2-7 3-year term: 1.40% $200K+ 1.15%>$200K 4-year term: 1.65% $200K+ 1.40% under $200K 5-year term: 2.50% $200K+ 2.25% under $200K 6-year term: 2.25% $200K+ 2.00% under $200K 7-year term: 2.50% $200K+ 2.30% under $200K 8-year term: 2.75% $200K+ 2.55 under $200K 9-year term: 3.00% $200K+ 2.75% under $200K 10-year term: 3.50% $200K+ 3.30% under $200K

0.75%

1.40%

7 years 8,7,6,5,4,3,2 10% beginning in the first year (7 year surrender. MVA extends to the end of the 7th year, or 10th year on the 10-year term) Deposit Surrender Schedule - each deposit incurs a new surrender charge period. Of 7 years

Nursing Home Terminal Full account value at the Illness death of the annuitant Unemployment (owner) 100% chargeback in the first 6 Annuitization outside of the 30-day months for surrenders or withdrawals window will incur MVA calculations but over 10%. no surrender charges. No chargeback at death.

Integrity Life

7/31/2013

60 days from date application received

FPDA

New Momentum

Quarterly Enhanced Interest Rate Option: 2.00% to 79 0.00% 80-85

0.75%

1.57%

1.00%

Yes

0-85

0.75%

2.00%

$1,000 additional lump sum premiums or $100 min if set up on EFT

0.75%

2.27%

n/a

n/a

Integrity Life

7/31/2013

60 days from date application received

1.00%

1.98% minimum 1.00% No 0-85 $3,000 10% beginning in the first year 7 years 7,7,7,6,5,4,3

SPDA

SPDA Series II

4.00% to 79 2.25% 80-85

1.00%

1.70% minimum

Annuitization can begin at any time. Full account value at the However, there is a chargeback of (The unemployment, terminal illness death of the annuitant commissions in the first year due to and healthcare waivers are NOT allowed annuitized contracts. in NC or SC.) GUARANTEED RETURN OF PREMIUM

Unemployment, Terminal Illness, Healthcare, and RMD

100% first six months, 50% months 7-12 for partial withdrawals (except penalty-free amounts) or full surrenders. No chargeback at death. New money Annuitization rates and full commission after 5 years.

1.00%

1.44%

None

Same as guaranteed rate Same as guaranteed rate

3-year term: 10,10,10 4-year term: 10,10,10,10

None

3-Year term 1.50% to 80 1.125% 81-85 .75% 86-90 North American Guarantee Choice Plus 4-Year term 2.00% to 80 1.50% 81-85 1% 86-90 5-10 year terms 2.50% to 80 1.88% 81-85 1.25% 86-90 .75% at re-entry

None

Same as guaranteed rate

5-year term: 10,10,10,10,10

100% first 6 months 50% months 7-12 Nursing Home for any and all withdrawals (Age 75 or younger at time of issue; 1- Available after first year if annuitized for year wait, 90 day confinement - penalty- life. After 5th year if annuitized for at In CT, IN, KY, LA, MD, OK, OR, SC, free withdrawals increased to 20% per least 60 months. TX, UT, VT, VA, & WA, the year) Guarantee Annuity commissions are .25% less and re-entry commissions are .125% less. Commissions are not paid on new premium added to a spousal continuance case.

None

Same as guaranteed rate 1.00% Yes 0-90 $2,000 Q $10,000 NQ Current year interest withdrawals after 30 days

6-year term: 10,10,10,10,10,9 Full account value at death of owner or annuitant

North American

8/1/2013

45 days from date application received

SPDA

None

Same as guaranteed rate

7-year term: 10,10,10,10,10,9,8

None

Same as guaranteed rate

8-year term: 10,10,10,10,10,9,8,6

None

Same as guaranteed rate

9-year term: 10,10,10,10,10,9,8,6,4

None

Same as guaranteed rate

10-year term: 10,10,10,10,10,9,8,6,4,2

North American

8/1/2013

45 days from date application received

FPDA

Boomer Annuity

To age 75: 7.00% first year 3.00% years 2-5 2.00% years 6-7 1.00% years 8-10 1.50% years 11+ 25% reduction in above rates for ages 76-80

1.35% first year PLUS 5% cash bonus on all premiums received in the first 5 contract years!

$2,000 Q $10,000 NQ 5.00% N/A 1.00% Yes 0-80 $50/month minimum premium after initial premium 5% of account value each year after first year

10 years 15,14,13,12,11, 10,8,6,4,2 Contract Surrender Charges - no rolling surrenders

Full account value at death of first owner or second annuitant

Nursing Home (Age 75 or younger at time of issue; 1year wait, 90 day confinement - penaltyAccount value after first contract year. free withdrawals increased to 20% per year) 2% Annuitization bonus if annuitized in years 8-10, 5% years 11+ Annuitization Bonus 2% years 8-10 5% years 11+

100% first 6 months 50% months 7-12 for any and all withdrawals including RMDs

Last updated 8/30/2013

www.Adams-Moore.com

For agent use only. Not all annuities approved in all states. Not responsible for errors.

Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

5.50% to 80 4.13% 81-85 45 days from date application received .50% on premiums applied in years 2-5 (1% comm reduction in VA.) 4.50% first year 1.50% years 2-5 1% minimum yrs 6-9 $2,000 Q $10,000 NQ N/A N/A 1.00% Yes 0-85 $50/month minimum premium after initial premium 10% each year after first year; one withdrawal allowed per year 9 years 12,11,10,9,8, 7,6,4,2 Contract Surrender Charges - no rolling surrender charges Full account value at death of first owner or second annuitant

Nursing Home (Age 75 or younger at time of issue; 1year wait, 90 day confinement - penaltyfree withdrawals increased to 20% per year) 100% first Terminal Illness 6 months Annuitization using full account value (Age 75 or younger at time of issue; oneis available after first year if annuitized time penalty-free withdrawal up to 50% 50% months with life contingency, or after 5th year if of AV) 7-12 annuitized for at least 60 months. for any and all withdrawals including Unemployment RMDs (age 65 or younger at time of issue; oneyear wait; increases penalty-free withdrawals to 20% per year) INCOME PAY RIDER

North American

8/1/2013

FPDA

North American Director

FLEX I & II: 4.50% first year 2.50% years 2-3 0.50% years 4-9 Flex I: 25% reduction ages 76-80 50% reduction 81-85 FPDA North American Flex II & III Flex II: 25% reduction ages 76-79 Flex III To age 75: 4.50% first year 2.50% years 2-5 0.50% years 6-10 0.50% years 11-15 First Year Guaranteed Rate: Flex II: 1.40% (1st year) 10-year term Flex III: 1.55% (1st year) 14-year term Flex II: 5% Flex III: 10% N/A Premium bonus applies to all premiums received in first 5 contract years. 1.00% Yes Flex II: 0-79 Flex III: 0-75

North American

8/1/2013

45 days from date application received

$2,000 Q $10,000 NQ $50/month minimum premium after initial premium 10% per year after first contract year

Flex II: 10 Years 15,14,13,12,11, 10,8,6,4,2 Flex III: 14 years 18,18,17,15,15,15,15, 14,12,10,8,6,4,2 Contract Surrender Charges - no rolling surrender charges

Nursing Home (Age 75 or younger at time of issue; 1year wait, 90 day confinement - penaltyfree withdrawals increased to 20% per Full account value paid at year) Available after first year if annuitized for death of first life. After 5th year if annuitized for at owner/annuitant or least 60 months. second annuitant (if joint) INCOME PAY RIDER GUARANTEED RETURN OF PREMIUM

100% first contract year, 50% second contract year for any and all withdrawals including RMDs

$2,000 NQ or Q Unlimited rate lock with a $100 fee No ratelock otherwise NSS Life is only approved to do business in CA, CO, CT, FL, IL, IN, MI, NJ, NY, NC, OH, PA, WV, WI Up to 10% may be withdrawn in each contract year. Full liquidity is available during Additional deposits a 30-day window at the of at least $25 end of the one-year allowed after first period. year $25,000 max deposit per client 5 years 6,5,4,3,2 No new surrender charges on additional deposits

NSS Life

1/2/2013

FPDA

Preferred Choice One Year Annuity

.50% on all deposits .50% trails for 3 years

1.00% for one year

n/a

1.00%

1.00%

No

Unlimited

Full Account Value at death

None

Any time without penalty

Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts. First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.

$2,000 Unlimited rate lock with a $100 fee No ratelock otherwise FPDA Additional premiums accepted in first 90 days $25,000 maximum premium per client Additional premiums accepted in first 90 days 5 years 6,5,4,3,2 30 day window after 3 years to withdraw with no penalty

NSS Life

1/2/2013

Optimum 3

1% at all ages on initial deposit

2.00% for three years

n/a

2.00%

1.00%

No

Unlimited

10% free each year after first contract year

Full Account Value at death

None

Any time without penalty

Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts. First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.

NSS Life

1/2/2013

Unlimited rate lock with a $100 fee No ratelock otherwise

2.75% ages 0-79 first year 1.75% on additional deposits FPDA Preferred 5 1.00% ages 80+ first year .50% additional deposits years 2-5 3.00% first year n/a n/a 2.00% No Unlimited

$1,000 lump sum $25 minimum thereafter $100,000 maximum premium per client 5 years 6,5,4,3,2 No new surrender charges on additional deposits

10% free each year after first contract year

Full Account Value at death

None

Any time without penalty

Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts. First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.

NSS Life

1/2/2013

Unlimited rate lock with a $100 fee No ratelock otherwise

2.75% ages 0-79 first year 1.75% on additional deposits 1.00% ages 80+ first year .50% additional deposits years 2-5 EXTRA .25% COMMISSION THROUGH 3/31/13

$1,000 lump sum $25 minimum thereafter $100,000 maximum premium per client 8 years 9,8,7,6,5,4,3,2 No new surrender charges on additional deposits

FPDA

Preferred 8

3.50% first year

n/a

n/a

2.00%

No

Unlimited

10% free each year after first contract year

Full Account Value at death

None

Any time without penalty

Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts. First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.

Last updated 8/30/2013

www.Adams-Moore.com

For agent use only. Not all annuities approved in all states. Not responsible for errors.

Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

Years 1-5: 2.75% $25,000-$350,000 2.25% $10,000 - $25,000 (1.00 % min) Oxford Life 60 days from date application signed Income Protector SPDA 3.00% to 18-75 2.00% 76-80 *Income account rate years 1-5 $25,000+ - 7.50% (*$6% min yrs 6-10) <$25,000 - 7.00% (*6% min yrs 6-10) [*5% greater than policy base rate for first 10 years) None N/A 1.00% Yes 18-80 $350,000 maximum $10,000 Systematic withdrawal of interest in the first year* OR 2 penalty-free withdrawals per year cumulatively, 10% of accumulated annuity value starting in the second year

Terminal Illness Home Health Care Nursing Home Optional Guaranteed Lifetime Withdrawal Benefit- Guaranteed Income Account Roll-Up Rate = 5% over fixed rates shown above Prior to any withdrawals under the GLWB or base policy, the Income Account Value equals 100% of your initial premium, plus the premium Account value after first contract year bonus, guaranteed to grow at a rate of as long as it is done for the remaining 5.00% over the base guaranteed rate 5. annually for the first 10 years. Can receive monthly, quarterly, semi-annual or annual GLWB payments. When you first elect GLWB payments, your annual payments will be based on your current Income Account Value multiplied by a percentage based on your age. Payments can be started and stopped at any time. If a RMD is required, you will be allowed to take the greater of the GLWB payment or the RMD.

8/1/2013

SPDA

5 years 10, 9, 8, 7, 6

Full account value at death

Charge-back will be in effect for death in the first year adjusted semiannually 100% months 1-6 & 50% 7-12.

Principal Financial

8/15/2013

60 days from date application signed

SPDA

Principal Guaranteed Fixed Annuity

4.10% to 80 2.75% 81-85 1.45% 86-90

1-year rate: 1.30% (1.00% min.) 3-year rate: 1.30% for 3 years (1.00% min years 4-5) 5-year rate: 1.30% for 5 years 4 years: 1.15% for 4 years plus .25% premium credit for $100,000+ 6 years: 1.45% for 6 years plus 2.00% premium credit for $100,000+ 4-year term: $100,000+ only: 0.25% 6-year term: $50,000-$99,000: 1.00% $100,000 + 2.00% None

1-Year: 1.30% 3-years: 1.30% 5-years: 1.30% 4-year term: $100,000+: 1.15% >$100,000: 1.21% 6-year term: >$50,000: 1.45% $50,000-$99,000: 1.62% $100,000 + 1.78% 3 years: 0.90% for $100K; .75% for $50k - $99,999; 4 years: 1.78% premium credit for $100K; 1.65% premium credit for $50k $99,999 1.52% <$50,000 0-90 6 years: 2.29%$100K; 2.07% for $50k $99,999; 1.80% <$50,000 0-90 1.00% No 0-85 in OK

$5,000 $2,000 minimum additional premiums in first year only $1,000,000 maximum Terminal Illness Disability Nursing Home Full accumulation value to age 85 at issue at death. GUARANTEED RETURN OF PREMIUM 100% chargeback in first year for Annuitize at any time without surrender surrenders or Annuitization in first charges year. Prorated chargeback if annuitized in first year and premium Premium credit is lost if annuitized in credit option is chosen at issue. first 3 year. No chargeback at death.

10% each year beginning in the first year

5 years 7,7,7,6,5

Principal Financial

8/15/2013

60 days from date application signed

Principal Secure Fixed Annuity FPDA Guaranteed return of principal

0-90

$5,000 $2,000 minimum additional contributions in first year only $1M maximum

15% of the contract year's beginning account value, plus 15% of any additional premium payments made during the contract year, or the RMD

4 years: 7,6,6,5 6-year: 7,6,6,5,5,4 No forced renewal. One time renewal after initial guarantee period. Full account value at death Terminal Illness Disability (under age 65) Confinement (6-consecutive days)

3 years: 1.05% for $100K; .90% for $50k - $99,999 4 years: 1.40% 60 days from date application signed Principal Select Fixed Annuity FPDA Guaranteed return of principal 6 years: 1.95% $100K; 1.90% $50k - $99,999; 1.80% <$50,000 9 years: 1.70% $100K+; 1.55% for <$100,000K

3 years: None 4-year term: 1.50% $100K; 1.00% $50k - $99,999; 0.50% <$50,000 6-year term: 2.00% $100K 1.00% $50k - $99,999 9 years: None

Principal Financial

8/15/2013

$5,000 $2,000 minimum additional contributions in first year only $1M maximum

15% of the contract year's beginning account value, plus 15% of any additional premium payments made during the contract year, or the RMD

4 years: 7,6,6,5 6-year: 7,6,6,5,5,4 No forced renewal. One time renewal after initial guarantee period. Full account value at death Terminal Illness Disability (under age 65) Confinement (6-consecutive days)

9 years: 1.70% $100K+; 1.55% <$100,000K

3.25% to 75 2.60% 76-80 1.95% 81-85 Upon issue, commissions will be paid on first $300,000 of premium until after the free look period is up, **Product not available in AL, MD, then rest of commissions will be paid. Renewal MT, ND, NY, OK, OR, Commission will be SC, TX, UT, or WA payable upon the election of a new guarantee period if the agents appointment is still active. Eleos MVA Penalties are waived at death of owner if the Nursing Home owner and annuitant are Hospitalization the same person. Allows withdrawals up to 25% of the Waived for 90 consecutive days of Hospital/Nursing If the owner is not the value penalty free each year. home confinement after 1st year, up to 25% each annuitant, the surrender Available ONLY to annuitants age 74 or year. value is paid on death of younger at issue. the owner. 5 years 8,7,6,5,4

Reliance Standard

6/25/2013

45 days from date application received

SPDA

3.30% first year 2.30% base rate

None

Depends on renewal rate

$10,000 1.00% Yes 0-85 $500k Max.

10% per year including first year, available 30 days after policy issue

Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of 10+ years.

100% first 6 months 50% months 7-12

Last updated 8/30/2013

www.Adams-Moore.com

For agent use only. Not all annuities approved in all states. Not responsible for errors.

Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

3.25% to 75 2.60% 76-80 1.95% 81-85 Upon issue, commissions will be paid on first $300,000 of premium until after the free look period is up, then rest of commissions will be paid. Renewal Commission will be payable upon the election of a new guarantee period if the agents appointment is still active. Penalties are waived at death of owner if the Nursing Home owner and annuitant are Hospitalization the same person. Allows withdrawals up to 25% of the Waived for 90 consecutive days of Hospital/Nursing If the owner is not the value penalty free each year. home confinement after 1st year, up to 25% each annuitant, the surrender Available ONLY to annuitants age 74 or year. value is paid on death of younger at issue. the owner. 5 years 8,7,6,5,4

Reliance Standard

6/25/2013

45 days from date application received

Eleos-SP SPDA SPDA **Product not available in AL, MT, MO, NY, UT,

3.15% first year 2.15% base rate

None

Depends on renewal rate

$10,000 1.00% No 0-85 $500k Max.

10% per year including first year, available 30 days after policy issue

Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of 10+ years.

100% first 6 months 50% months 7-12

5.25% to 75 4.20% 76-80 3.15% 81-85 Upon issue, commissions will be paid on first $200,000 of premium until after the free look period is up, then rest of commissions will be paid. Renewal Commission will be payable upon the election of a new guarantee period if the agents appointment is still active. 10% per year including first year, available 30 days after policy issue *Cumulative interest available beginning in year 3 up to 30% of single premium 7 years 9,8,7,6,5,4,2 Penalties are waived at death of owner as long as Nursing Home the owner and annuitant Hospitalization are the same person. Allows withdrawals up to 25% of the value penalty free each year. If the owner is not the Available ONLY to annuitants age 74 or annuitant, the surrender younger at issue. value is paid on death of the owner.

Reliance Standard

6/25/2013

45 days from date application received

SPDA

Apollo-MVA

3.10% first year 2.10% base rate

None

Depends on renewal rate

$5,000 1.00% Yes 0-85 $500k Max

Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of 10+ years.

100% first 6 months 50% months 7-12

5.25% to 75 4.20% 76-80 3.15% 81-85 Upon issue, commissions will be paid on first $200,000 of premium until after the free look period is up, then rest of commissions will be paid. Renewal Commission will be payable upon the election of a new guarantee period if the agents appointment is still active. 10% per year including first year, available 30 days after policy issue *Cumulative interest available beginning in year 3 up to 30% of single premium Penalties are waived at Nursing Home death of owner as long as the owner and annuitant Hospitalization are the same person. Annuitize at the end of the fifth contract year or any time after the Surrender 100% first Charge Period and choose an income 6 months option with a payout period of six or Allows withdrawals up to 25% of the more years. If the owner is not the 50% months value penalty free each year. annuitant, the surrender 7-12 Available ONLY to annuitants age 74 or Life, Life with pmts certain, Designated value is paid on death of younger at issue. Period, or Joint and Last Survivor the owner.

Reliance Standard

6/25/2013

45 days from date application received

SPDA

Apollo-SP

2.95% first year 1.95% base rate

None

Depends on renewal rate

$5,000 1.00% No 0-85 $500k Max

7 years 9,8,7,6,5,4,2 Apollo surrender charge reduced for ages 60+(8,7,6.5,5.5,4.5,3.5,2.0)

Reliance Standard Notes: Contract Owner must also be the annuitant for all annuity applications except in situations where the Contract Owner is a Trust, Corporation or other Non-Natural entity. In addition, Joint Owners must also be designated as Joint Annuitants.

Confinement Waiver: 90 day confinement; All fund penalty-free (no age restriction) Beginning in year one 10% per year. 60 days from date application received Monthly Systematic Interest available when application taken (additional form required). If not selected initially, must wait till first anniversary. Terminal Illness: 6 months or less to live as defined by a physician 6 years 7,7,7,6,5,3 Full account value at death Can annuitize after the first contract year with no penalty if a period of at least 5 years is chosen. Chargeback on Non-accidental deaths 100% first 6 months 50% months 7-12 No Chargeback on accidental deaths

Sagicor Life

5/1/2013

SPDA

Gold Series Sage Choice

3.00% to 80 1.00% 81-90

2.50% first year

None

N/A

2% years 2-10 3% year 11+

Yes

0-90 NQ or Q

$2,000 NQ or Q

Bail Out Provision After the first policy year if the renewal rate is lower than a rate that is 1% below the initial fixed interest rate, the owner may request, within 30 days of notification, to receive the accumulation value without incurring a surrender charge.

5 Year: 2.85% 5-year & 7-year terms 2.25% to 80 1.50% 81-90 SPDA Personal Choice 10-year terms 2.75% to 80 2.00% 81-90 7 Year: 3.20% 10 Year: 3.45% See Waivers Column (right) for rate reductions related to liquidity options None 2.85% for 5 years 3.20% for 7 years 3.45% for 10 years 1.00% Yes 0-90 $2,500 minimum $1,000,000 maximum Liquidity riders are optional. See Waivers Column (right)

Sentinel Security Life

5/22/2013

45 days from date application received

These riders, which must be added at issue*, eliminate surrender charges and Full account value costs MVA. A rate reduction applies, as 10 years 0.35%. Full account stipulated below: 9,8,7,6,5,5,5,5,5,5 value without fee on ages (5% surrender charge at renewal until attained age 86-90. (Death of owner Preferred 10%: 0.08% 94.) or annuitant) Terminal Illness/Nursing Home: 0.15% 72(t): 0.05% No penalties or MVA 30 days prior to the end of If selected full account Death Benefit: 0.35% any guarantee period Can annuitize after the first contract value at death of Cumulative Interest: 0.08% year with no penalty if a period of at annuitant or owner, the RMD - 0.16% Renewal surrender charges: least 5 years is chosen. Death Benefit will be Attained age 90-93: 5% equal to the total contract (*May be added at issue or at the Age 94 - 4% value. beginning of a subsequent guarantee Age 95 - 3% period.) Age 96 - 2% Any Surrender Charges Age 97 - 1% and MVA will be waived. All clients ages 86-90 MUST Ages 98-99 - 0% purchase death benefit rider except in the state of FL.

100% first 6 months 50% months 7-12 No Chargeback at death.

Last updated 8/30/2013

www.Adams-Moore.com

For agent use only. Not all annuities approved in all states. Not responsible for errors.

Call us toll free at (877) 888-0858 Local (704) 227-0786

Full Details for Fixed and Multi-Year Guaranteed Annuities

1st year Company Effective Date Rate Lock SPDA/ FPDA Product Commission Current Rate premium/ interest rate bonus 1-year rate guarantee with premium bonus option: 1.50% NQ 1.75% Q 1-year rate guarantee with interest rate bonus option: Western National Life 8/19/2013 90 days from date application signed SPDA Western National 5 2.00% to 85 1.00% 86-90 2.50% NQ 2.75% Q 3-year rate guarantee 1.85% NQ or Q 0.35% interest rate bonus for 3 years

Average Annual Yield

Min Guar Rate MVA

Issue Ages

Min/Max Premium

Liquidity

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Commission Chargeback Rules

1.00%

Depends on renewal rate in years 2-5

1% 1.00% Depends on renewal rate in years 2-5 Guaranteed Return of Principal is optional at pointof-sale 0-90 NQ 0-70 Q

No

Depends on renewal rate in years 4 & 5

After 30 days accumulated interest or $5,000 NQ Up to 15% of the previous $2,000 Q 5 years anniversary annuity value $2,000 additional 9,8,7,6,5 premium minimum If you do not use all of the Deposit Surrender Charges - Each deposit incurs a 15% free withdrawal in a $1,500,000 new surrender charge period. policy year, you may carry maximum over the unused portion to the next policy year up to a maximum of 20%.

Extended Care Full Account Value at death Terminal Illness Activities of Daily Living

Chargeback for surrenders for any reason. Annuitization available without penalty 100% after 3 years using full account value if months 1-12 annuitized for at least 5 years. 50% months 13-24

5-year rate guarantee 1.55% NQ or Q 1-year rate guarantee with premium bonus option: 1.95% NQ, Q 2.10% 1-year rate guarantee with interest rate bonus option: 2.95%NQ or 3.10% Q Western National Life 90 days from date application signed

None

1.00%

1.00%

Depends on renewal rate in years 2-7

1.00%

Depends on renewal rate in years 2-7 1% Guaranteed Return of Principal is optional at pointof-sale 0-90 NQ 0-70 Q

8/19/2013

SPDA

Western National 7

3.00% to 85 1.50% 86-90

3-year rate guarantee 2.50%

0.70% interest rate bonus for 3 years

No

N/A

After 30 days accumulated interest or $5,000 NQ Up to 15% of the previous $2,000 Q 7 years anniversary annuity value $2,000 additional 9,8,7,6,5,4,2 premium minimum If you do not use all of the Deposit Surrender Charges - Each deposit incurs a 15% free withdrawal in a $1,500,000 new surrender charge period. policy year, you may carry maximum over the unused portion to the next policy year up to a maximum of 20%.

Extended Care Terminal Illness Full Account Value at death Activities of Daily Living GUARANTEED RETURN OF PREMIUM

Chargeback for surrenders for any reason. Annuitization available without penalty 100% after 3 years using full account value if months 1-12 annuitized for at least 5 years. 50% months 13-24

5 year rate None 2.15% 7 year rate None 2.15%

Depends on renewal rate in years 6 & 7

N/A

0-85 for cash sales Western National Life 8/19/2013 90 days from date application signed SPDA WNL Security Builder 5 1.50% to 80 0.75% 81-85 1.85% NQ 2.00% Q None Depends on renewal rate in years 2-5 1.00% No 0-70 for 1035 exchanges & transfers $10,000

first year

After 30 days accumulated interest or up to 15% of the previous anniversary annuity value, cumulative to 20% if not used in any policy year.

Extended Care Terminal Illness 5 years 7,7,6,5,3 Full Account Value at death Activities of Daily Living GUARANTEED RETURN OF PREMIUM

Chargeback for surrenders for any reason. Annuitization available without penalty 100% after 3 years using full account value if months 1-6 annuitized for at least 5 years. 50% months 7-12

Last updated 8/30/2013

www.Adams-Moore.com

For agent use only. Not all annuities approved in all states. Not responsible for errors.

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed 1.35% (0.25% min)

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

Fixed Account Monthly Cap (NASDAQ 100) Monthly Cap (S&P 500) Monthly Cap (Euro STOXX 50) Annual Pt-to-Pt (NASDAQ 100) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Euro STOXX 50) Annual Pt-to-Pt (Blended Index) Monthly Average (Blended Index)

No Cap 1.80% (0.50% min) 1.70% (0.50% min) 1.80% (0.50% min) 2.75% (0.50% min) 2.75% (0.50% min) 3.00% (1.00% min) 2.75% (1.00% min)

None

100%

None

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

100%

None No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Annuitization without penalty after 5th contract year. Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

100%

None $10,000

SPDA (Additional premiums accepted in first year.)

10% each year after first year of total premiums paid $1MM RMD penalty free if taken in December or monthly throughout the year.

6 years 8.5,8,7,6,5,4

100%

None

No

87.5% @ 1.00%

0-80

Additional premium accepted in first year

100%

None

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details.

100%

None

100%

None 3.50% (12.00% max)

100% 1.45% (0.50% min)

No Cap

Fixed Account Monthly Cap (NASDAQ 100) Monthly Cap (S&P 500) Monthly Cap (S&P 500 Select)* Monthly Cap (FTSE 100) Annual Pt-to-Pt (NASDAQ 100) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (S&P 500 Select)* Annual Pt-to-Pt (FTSE 100) Annual Pt-to-Pt (Blended Index) Monthly Average (Blended Index)

No Cap 2.10% (0.50% min) 2.00% (0.50% min) 2.50% (0.50% min) 2.10% (0.50% min) 3.50% (1.00% min) 3.50% (1.00% min) 5.50% (1.00% min) 3.75% (1.00% min) 3.50% (1.00% min)

None

100%

None

Endurance Plus

100%

None

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 20% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

100% 20% of all premiums applied in the first 3 years - credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 10th contract year.

None 10 years 10,10,10,8.75, 7.50,6.25,5.00, 3.75,2.50,1.25 No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Annuitization without penalty after 5th contract year. Option A Year 1 7.00% to 75 5.00% 76-80 Years 2-3 3.50% to 75 2.50% 76-80 Option B Call office for trail commission details. Chargeback for death or surrender in the first year. 100% first 6 months 50% months 7-12

100%

None $10,000

SPDA (Additional premiums accepted in first 3 years.)

10% each year after first year of total premiums paid $1MM RMD penalty free if taken in December or monthly throughout the year.

100%

None

No

90% @1.50%

0-80

Additional premium accepted in first three years

100% EWB Factor = 105%

None

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

*S&P 500 Select Allocation charge is 1.00%.

100%

None

100%

None

100%

None 3.50% (12.00% max)

100% 1.35% (0.50% min)

No Cap

Fixed Account Annual Pt-to-Pt (Barclay's Capital)

No Cap

None 1.90% (6.00% max) No 87.5% @1.00% 0-85 $10,000 $1MM 10% each year, including first year, of total premiums paid RMD penalty free if taken in December or monthly throughout the year. 5 years 8,7,6,5,4 No Cost Riders: Nursing Home Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider

100% Allianz 60 days from day app received in home office 7/22/2013 Pro V1 SPDA None

No Cap

The contract's full account value is available as a lump sum or as income payments.

Annuitization without penalty after 1st contract year if payout option is a minimum of 10 years.

3.25% 0-75 2.00% 76-80 1.00% 81-85

Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

100%

Annual Pt-to-Pt (PIMCO US Advantage)

No Cap

1.90%

1.20% (0.50% min)

Fixed Account Monthly Cap (NASDAQ 100) Monthly Cap (S&P 500) Monthly Sum Cap (FTSE 100) Annual Pt-to-Pt (NASDAQ 100) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (FTSE 100) Annual Pt-to-Pt (Blended Index) Monthly Average (Blended Index)

No Cap 1.70% (0.50% min) 1.70% (0.50% min) 1.80% (0.50% min) 2.75% (1.00% min) 2.75% (1.00% min) 2.75% (1.00% min) 2.75% (1.00% min)

None

100%

None

100%

None 10% each year after first year of total premiums paid (*Unemployment benefit* additional 10% free withdraw once in the lifetime of contract) RMD penalty free if taken in December or monthly throughout the year. 10 years 15,15,15,15, 12.86,10.71, 8.57,6.43,4.29, 2.14 No Cost Riders: Nursing Home The greater of the full account value or guaranteed minimum value at the death of the owner, in a lump-sum payment or income payments Flexible Annuity Option Additional Cost Riders: Income Plus Benefit Flexible Withdrawal Benefit Rider Death Benefit Rider Annuitization without penalty after 5th contract year. Option A Year 1 7.00% to 75 5.00% 76-80 Years 2-5 3.50% to 75 2.50% 76-80 Option B Call office for commission details containing trails. Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

100% FPDA Allianz 60 days from day app received in home office 7/22/2013 MasterDex 5 Plus (Additional premiums accepted in first 5 contract years.) 3% on all premiums received during the first five contract years

None

87.5% @1.65% (1.00% after first 10 years) *2.00% in SC for all years $15,000 0-80 Additional premium accepted in first 5 contract years $1MM

100%

None

No

100%

None

Contract Surrender Charges - no rolling surrender charges

100%

None

100%

None 3.50% (12.00% max)

100% 1.55% (0.50% min)

No Cap

Fixed Account Monthly Cap (NASDAQ 100) Monthly Cap (S&P 500) Monthly Cap (FTSE 100) Annual Pt-to-Pt (NASDAQ 100) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (FTSE 100) Annual Pt-to-Pt (Blended Index) Monthly Average (Blended Index)

No Cap 2.00% (0.50% min) 2.00% (0.50% min) 2.00% (0.50% min) 3.50% (1.00% min) 3.50% (1.00% min) 3.75% (1.00% min) 3.50% (1.00% min)

None

100%

None 10% each year, after 5 year deferral followed first year, of total by Annuitization over at premiums paid. There least 10 years, OR are no penalties as long as the money is 5 year deferral followed withdrawn after the by 10-year interest only contract anniversary payments, then you may following your last take the remaining lump premium payment. sum RMD penalty free if taken in December or monthly throughout the year.

100%

None

No Cost Riders: Systematic Withdrawal Benefit The greater of the full account value or guaranteed minimum value at the death of the owner, in a lump-sum payment or income payments (if death occurs during deferral). Systematic Withdrawal of Credits Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Annuitization without penalty after 5th contract year. Option A Year 1 7.00% to 75 5.00% 76-80 Years 2-5 3.50% to 75 2.50% 76-80 Option B Call office for commission details containing trails. Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

100% FPDA Allianz 60 days from day app received in home office 7/22/2013 MasterDex 10 Plus (Additional premiums accepted in first 5 contract years.) 10% on all premiums received during the first five contract years

None $15,000

100%

None

No

87.5% @1.0%

0-80

Addl prem accepted in first five contract years.

$1MM

100%

None

100%

None

Contract Surrender Charges - no rolling surrender charges

100%

None 3.50% (12.00% max)

100% 1.20% (0.50% min)

No Cap

Fixed Account

No Cap

None

For producer use only.

FPDA Allianz 60 days from day app received in home office 7/22/2013 MasterDex X (Additional premiums accepted in first 3 contract years.)

5% on all premiums received during the first three contract years, vested over 10 years

$20,000 No 87.5% @ 1.95% 0-80 Additional premium accepted in first three contract years $1MM

10% each year after first year of total premiums paid RMD penalty free if taken in December or monthly throughout the

10 years 10,10,10,8.75, 7.50,6.25,5.00, 3.75,2.50,1.25

No Cost Riders: Nursing Home The full account value, including both vested and unvested premium bonus at the death of the owner, is available in a lump-sum payment or income payments Flexible Annuity Option Additional Cost Riders: Simple Income II Flexible Withdrawal Benefit Rider Annuitization without penalty after 5th contract year.

Option A Year 1 7.00% to 75 5.00% 76-80 Years 2-3 3.50% to 75 2.50% 76-80

Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months

Revised 8/30/2013

Contract Surrender Charges - no rolling

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

100%

Monthly Cap (NASDAQ 100) Monthly Cap (S&P 500) Monthly Cap (S&P 500 Select) Monthly Cap (STOXX 100) Annual Pt-to-Pt (NASDAQ 100) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (S&P 500 Select) 1% charge Annual Pt-to-Pt (STOXX 100) Annual Pt-to-Pt (Blended Index) Monthly Average (Blended Index) S&P 500 annual monthly average S&P 500 annual monthly average

1.80% (0.50% min) 1.80% (0.50% min) 2.30% (0.50% min) 1.90% (0.50% min) 3.00% (1.00% min) 3.00% (1.00% min) 5.00% (1.00% min) 3.25% (1.00% min) 3.00% (1.00% min)

None

100%

None

Endurance Elite 10% credited to the Enhanced Withdrawal 5% Benefit for the of lifetime onpurposes all premiums received income, which be during the firstcan three accessed after the 5th contract years, vested over contract year. 10 years EWB Factor = 105%

100%

None 10% 10% each each year year after after first year year of of total total first premiums paid paid premiums $1MM $1MM RMD RMD penalty penalty free free if if taken taken in in December December or or monthly throughout throughout the the monthly year. year. 10 years 6 years 10,10,10,8.75, 8.5,8,7,6,5,4 7.50,6.25,5.00, 3.75,2.50,1.25 Contract Surrender Charges no rolling Contract -Surrender surrender charges Charges - no rolling surrender charges No Cost Riders: No Cost Riders: Nursing Home Nursing Home Flexible Annuity Option Flexible Annuity Option Additional Cost Riders: Additional Riders: Simple Cost Income II Flexible Withdrawal Benefit Rider Flexible Withdrawal Benefit Rider Death Benefit Rider Death Benefit Rider None Annuitization Annuitization without without penalty after after 5th 5th penalty contract year. year. contract Option A Year 1 Option 7.00% toA 75 Year 1 5.00% 76-80 3.75% to 75 2.25% Years76-80 2-3 3.50% to 75 Option B 2.50% 76-80 Call office for trail commission Option details. B Call office for commission details containing trails. Chargeback for for Chargeback death, death, Alternate Alternate Annuitization Option Annuitization Option III, or or surrender surrender in in the the III, first year. first year. 100% first first 100% 6 months months 6 50% 50% months months 7-12 7-12

Allianz Allianz

60 from day day app app 60 days days from received in in home home office office received

7/22/2013 7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% MasterDex interest after 5thX year. Several income options available. All these benefits are without any cost to the client.

100%

None $10,000 $20,000

FPDA SPDA (Additional (Additional premiums premiums accepted in first 3 accepted in first year.) contract years.)

100%

None

No No

87.5% @ @ 1.95% 1.00% 87.5%

0-80 0-80

Additional premium premium accepted accepted Additional in first year years in first three contract

100%

None

The account value, Full full account value at including both vested and death of owner, or the unvested premium bonus Enhanced Withdrawal at Benefit the death of the owner, Value if taken is available in a lump-sum over a period of at least payment or income five years. payments

100%

100

None

100

None 3.50%

100%

No Cap

25%

0.00%

None COMP FOR 3 YEARS Year 1 6.00% to 75 4.50% 76-80 Year 2 1.00% to 75 0.75% 76-80 Year 3 1.00% to 75 0.75% 76-80 Additional Premiums Years 2-5 2.75% to 75 2.06% 76-80

100%

3.00%

None 10% annual withdraw after first year 1st yr.may receive systematic withdrawals of interest and RMD available 30 days after contract issue

Advantage Gold American Equity No rate lock period 8/1/2013 FPDA 5% on all first year premiums

15%

S&P annual Pt to Pt

0.00%

None 84% of 1st year premiums plus 87.5% of any additional premiums @ 1.50%

$1,500,000 0-69 0-80 $5,000 $1,000,000 70-74 $750,000 75-80

10 years 16,15,14,13,11.5, 10,8.5,7,5.5,4 Contract Surrender Charges - no rolling surrender charges

Nursing Home Terminal Illness Full account value paid in lump sum at death Optional Lifetime Income Benefit Available for Annuitants until the age of 75

Income Rider 4.50% no charge 6.50% = .60%, ages 50+

100%

S&P annually pt to pt

3.00%

None

No

100%

S&P monthly pt to pt

1.45%

None

Can annuitize for full account value as long as life option is chosen or you choose a period certain option that is double the time remaining on the original contract.

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

100%

10 US Treas Bond

2.50%

None

1.40% 30%

Fixed Account Monthly Average (S&P 500) Monthly Average (S&P 500) Annual Monthly Avg (Dow Jones) Annual Pt-to-Pt (Dow) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) 10-Year U.S. Treasury Bond

0.00%

None

No Cap 3.25% (1.00% min) 3.25% (1.00% min) 3.25% (1.00% min)

None

100%

None COMP FOR 3 YEARS Year 1 6.00% to 75 4.50% 76-80 Year 2 1.00% to 75 0.75% 76-80 Year 3 1.00% to 75 0.75% 76-80 Additional Premiums Years 2-5 2.75% to 75 2.06% 76-80

100%

None 10% each year after first year Systematic withdrawals of interest and RMD available immediately from Fixed Account No withdrawals allowed at all in first year

Bonus Gold American Equity No rate lock period 8/1/2013 FPDA 10% on all first year premiums

100% 20%

None

Income Rider 4.50% no charge 6.50% = .60%, ages 50+

No Cap 3.25% (1.00% min) 1.70% (1.00% min) 2.75% (1.00% min.)

None

No

100%

None

80% of 1st year premiums and premium bonus, plus 87.5% of any additional premiums after 1st contract yr. @ 1.50%

$1,500,000 0-69 0-80 $5,000 $1,000,000 70-74 $750,000 75-80

16 years 20,19.5,19,18.5, 18,17.5,17,16,15, 14,12,10,8,6,4,2 Contract Surrender Charges - no rolling surrender charges

Nursing Home(NCR-100) no cost, annuitants under age 75 @ issue Full account value paid at death in lump sum to beneficiaries Terminal Illness(TIR-100) no cost, annuitants under 75 @ issue Optional Lifetime Income Benefit Available for Annuitants until the age of 75

Can annuitize for full account value as long as life option is chosen or you choose a period certain option that is double the time remaining on the original contract.

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

100%

None

100% 1.50% (1.00% min) 10% (10% min)

None

Fixed Account Monthly Average (S&P 500) Monthly Average (S&P 500)

No Cap

None

No Cap 1.00% (1.00% min) 1.00% (1.00% min) 1.00% (1.00% min)

None

100%

None

100%

Dow Annual Monthly Annual Pt-to-Pt (Dow) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500)Dow Jones 10-Year U.S. Treasury Bond

None (MGSV) @ 87.5% of all premiums, less withdrawal proceeds, @MGIR, compounded annually MGIR currently 1.50% 10% of cv each year after first year Systematic w/d & RMD immediately from Fixed Value Lifetime Income Benefit Rider (LIBR-2010)

Integrity Gold American Equity No rate lock period 8/1/2013 FPDA None

100% 10% (10% min)

None

$1,500,000 0-69 0-80 $5,000 $1,000,000 70-74 $750,000 75-80

6 years 8,7,6,4.5,3,1.5 Contract Surrender Charges - no rolling surrender charges

Income Rider 4.50% no charge 6.50% = .60%, ages 50+

No Cap 1.00% (1.00% min) 1.00% (1.00% min) 1.00% (1.00% min.)

None

No

Full account value paid to beneficiaries with no surrender charges at death

Nursing Home Terminal Illness Optional Lifetime Income Benefit Available for Annuitants until the age of 75

100%

None

Can annuitize for full account value as long as life option is chosen or you choose a period certain option that is double the time remaining on the original contract.

COMP FOR 3 YEARS Year 1 4.13% to 75 3.09% 76-80 Year 2 0.68% to 75 0.51% 76-80 Year 3 0.68% to 75 0.51% 76-80 Additional Premiums Years 2-5 2.75% to 75 2.06% 76-80

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

100%

None

100% 1.00% (1.00% min) 25% (15% min)

None

Fixed account Monthly Average (S&P 500) Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500)

No Cap

None

No Cap 3.00% (1.00% min)

None COMP FOR 3 YEARS Year 1 6.00% to 78 Year 2 1.00% to 78 Year 3 1.00% to 78 Additional Premiums Years 2-5 2.75% to 78

100% 8%* on all first year premiums, vested over 14-years, beginning in the 3rd year Bonus is 100% vested at death and when starting GMWB. 15% (15% min)

None (MGSV) @87.5% of premiums pd, less withdrawal proceeds, at MGIR compounded annually (MGIR) 1.50% $1,500,000 0-69 0-78 $5,000 $1,000,000 70-74 $750,000 75-80

10% each year after first year Systematic withdrawals of interest and RMD available immediately from Fixed Account No withdrawals allowed at all in first year

Retirement Gold American Equity No rate lock period 8/1/2013 Not available in SC. FPDA

No Cap 3.00% (1.00% min) 1.45% (1.00% min)

None No

10 years 12.5,12,12,11,10, 9,8,7,6,4 Contract Surrender Charges - no rolling surrender charges

Nursing Home(NCR-100) no charge under age 75 at issue Terminal Illness (TIR-100) no charge under age 75 at issue Full account value paid at death Optional Lifetime Income Benefit Available for Annuitants until the age of 75

100%

None

Can annuitize for full account value as long as life option is chosen or you choose a period certain option that is double the time remaining on the original contract.

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

100% 1.35% (1.00% min) 50% (35% min)

None

Fixed Account Monthly Average (S&P 500) Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500)

No Cap

None

No Cap 4.25% (1.00% min)

None COMP FOR 3 YEARS Year 1 4.50% to 75 3.40% 76-80 Year 2 0.75% to 75 0.55% 76-80 Year 3 0.75% to 75 0.55% 76-80 Additional Premiums Years 2-5 2.60% to 75 1.95% 76-80

100% 30% (25% min) American Equity No rate lock period 8/1/2013 Traditions Gold FPDA FPDA none

None 10% each year after first year

No Cap

None 87.5% of any additional premiums @ 1.50%

$1,500,000 0-69 No 0-80 $5,000 $1,000,000 70-74 $750,000 75-80

10 years 9,8.25,7.25,6.25,5.25,4.2 Systematic withdrawals 5,3.25,2.25,1,0.5, 0% of interest and RMD Full account value paid at available immediately death Contract Surrender from Fixed Account Charges - no rolling surrender charges No withdrawals allowed at all in first year

Nursing Home Terminal Illness Optional Lifetime Income Benefit Available for Annuitants until the age of 75

Can annuitize for full account value as long as life option is chosen or you choose a period certain option that is double the time remaining on the original contract.

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

For producer use only.

Revised 8/30/2013

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee 87.5% of any additional premiums @ 1.50%

Issue Ages

Minimum Premium

Maximum $1,500,000 Premium 0-69 $1,000,000 70-74 $750,000 75-80

10% each year after Liquidity first year Options Systematic withdrawals of interest and RMD available immediately from Fixed Account No withdrawals allowed at all in first year

Surrender Charges 10 years 9,8.25,7.25,6.25,5.25,4.2 5,3.25,2.25,1,0.5, 0% Contract Surrender Charges - no rolling surrender charges

Death Benefit

Waivers Nursing Home Terminal Illness

American Equity

No rate lock period

8/1/2013

Traditions Gold FPDA

FPDA

none

100%

Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) 10-Year U.S. Treasury Bond

4.25% (1.00% min) 2.30% (1.00% min) 4.00% (1.00% min.)

None

No

0-80

$5,000

Full account value paid at death

Optional Lifetime Income Benefit Available for Annuitants until the age of 75

100%

None

Annuitization Can annuitize Optionsfor full account value as long as life option is chosen or you choose a period certain option that is double the time remaining on the original contract.

COMP FOR 3 YEARS Year 1 4.50% to 75 MGA 3.40% 76-80 Commission Year 2 0.75% to 75 0.55% 76-80 Year 3 0.75% to 75 0.55% 76-80 Additional Premiums Years 2-5 2.60% to 75 1.95% 76-80 Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail COMP FOR 3details. YEARS commission Year 1 4.50% to 75 3.40% 76-80 Year 2 0.75% to 75 0.55% 76-80 Year 3 0.75% to 75 0.55% 76-80 Additional Premiums Years 2-5 2.60% to 75 1.95% 76-80

Commission Chargeback Rules Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

100% 2.20% (1.00% min) 25% (15% min)

None 10% each year after first year of total premiums paid $1MM RMD penalty free if taken in December or monthly throughout the year. 10% each year after first year Systematic withdrawals of interest and RMD available immediately from Fixed Account No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Can annuitize for full account value as long as life option is chosen or you choose a period certain option that is double the time remaining on the original contract. Annuitization without penalty after 5th contract year.

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client. Traditions Gold Plus

Fixed Account Monthly Average (S&P 500) Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) 10-Year U.S. Treasury Bond

No Cap

None $10,000

SPDA (Additional premiums accepted in first year.)

6 years 8.5,8,7,6,5,4

No Cap 3.00% (1.00% min)

None

No

87.5% @ 1.00%

0-80

Additional premium accepted in first year

100% 15% (15% min)

None

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12 Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

No Cap 3.00% (1.00% min) 1.45% (1.00% min) 2.50% (1.00% min.)

None 87.5% of any additional premiums @ 1.50%

$1,500,000 0-69 No 0-80 $5,000 $1,000,000 70-74 $750,000 75-80

American Equity

No rate lock period

8/1/2013

Only approved in NV, OR, PA, SC, TX, UT, WA, AK, MN

FPDA

8% on all first year premiums, vested over 10 years

100%

None

100%

None

10 years 9,8.25,7.25,6.25,5.25,4.2 5,3.25,2.25,1, 0.5, 0% Full account value paid at death in lump sum to Contract Surrender beneficiaries Charges - no rolling surrender charges

Nursing Home Terminal Illness Optional Lifetime Income Benefit Available for Annuitants until the age of 75

100% 1.35% (1.00% min)

None

Fixed Account

No Cap

None

100%

Annual Pt-to-Pt (S&P 500)

2.60% (1% min)

None Allowed without withdrawal charges of MVA if after the 5th contract year and is either life-contingent or for a minimum of 5 years 100% Chargeback in first 12 months for Annuitization, death or for any full or partial withdrawals, excluding any free withdraw amounts.

No rate lock period. American General Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our office for details. 8/12/2013

VisionMaximizer Lifetime Income Builder Rider Avail. Not available in SC and other states SPDA 3%

100% (4.40%avg. spread)

Monthly Average (S&P 500) Adjustable Participation Rate (S&P 500)

No Cap

None Yes 87.5% @ 1% 0-75 $20,000 $1MM

10% Free W/D in ALL years Annuity Value 5x5

24% (10% min ) 1.35% guaranteed for 5 contract years (1% min) 100%

10 years 17,16,15,14, 13,10,9,8,7,6

Full account value at death of first owner

Extended Care Rider

8.00% 0-75

No Cap

None

Fixed account Annual Pt-to-Pt (S&P 500) Monthly Cap (S&P 500)

No Cap 5.40% (1% min) 2.85% (1% min)

None

No rate lock period. AG Choice Index 10 American General Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our office for details. 8/12/2013 Not available in SC and other states SPDA 4% 2.50% (1% min) 100%

None

Yes

87.5% @ 1.%

Fixed Account

No Cap

0-75 (50-75 if AG Lifetime Income Plus Rider is selected)

$25,000

$1MM

10% each year after first year

10 years 10,9,8, 7,6,5,4,3,2,1

Full account value at death of first owner

Terminal Illness

Extended Care Rider

Annuitization without penalty or MVA if annuitized after 5th year for life contingent or at least 5 years.

6.50% 0-70 4.50% 71-75

100% chargeback in first 6 months, and 50% in months 7-12 for any withdrawals for any reason, including penalty-free withdrawals and death.

100% No rate lock period. Horizon Index 9 American General Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our office for details. 8/12/2013 Not available in SC and other states SPDA 2% 100%

Bi-annual*** point to point (S&P 500) Monthly Cap (S&P 500)

12.00% (1% min) 9 years 10,10,9,8, 7,6,5,4,2 SC Modified Charges: 8,8,7,6,5,4,3,2,1 Full account value at death of first owner Annuitization without penalty or MVA if annuitized after 5th year for life contingent or at least 5 years. 9-year term 4.50% 0-75 2.75% 76-80 2.50% 81-85

1.90% (1% min)

None

Yes

87.5% @ 1.%

0-85

$5,000

$1MM age 75< $500k ages 75+

10% each year after first year

Extended Care Rider

2.50% for 6 years (1% min)

Fixed Account

No Cap

100% chargeback in first 6 months, and 50% in months 7-12 for any withdrawals for any reason, including penalty-free withdrawals and death.

No rate lock period. Horizon Index 12 American General Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our office for details. 8/12/2013 Not available in SC and other states SPDA 4% Fixed account is 2.40% for 9 years (1% min) Same options as the 9-year term

11.50%pt to pt 1.85% monthly cap None Yes 87.5% @ 1.% 0-85 $5,000

$1MM age 75< $500k ages 75+

10% each year after first year

12 years 12,12,12,12, 12,11,10, 9,8,7,5,3

Full account value at death of first owner

Extended Care Rider

Annuitization without penalty or MVA if annuitized after 5th year for life contingent or at least 5 years.

12-year term 6.50% 0-75 4.00% 76-80 3.00% 81-85

100% chargeback in first 6 months, and 50% in months 7-12 for any withdrawals for any reason, including penalty-free withdrawals and death.

1.10% (1% min)

Fixed Account

No Cap

None

100% No rate lock period. American General Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our office for details. 8/12/2013 Vision Advantage 7 SPDA None 80%

Annual Pt-to-Pt (S&P 500)

2.10% (1% min)

None

10% Free W/D in All years Yes 87.5% @ 1% 0-85 $15,000 $1MM age 75< $500k ages 75+ Annuity Value 5x5 Systematic withdrawals available including year 1. 7 years 9,8,7,6,5,4,3 Equal to annuity value in a single sum Extended Care Rider

Annual Pt-to-Pt (S&P 500)

2.20% (1% min)

None

20%

Adjustable Participation Rate (S&P 500)

Allowed without withdrawal charges of MVA if after the 5th contract year and is either life-contingent or for a minimum of 5 years

5.50% 0-75 4.00% 76-85

100% Chargeback in first 12 months for death or for any full or partial withdrawals, excluding any penaltyfree amounts.

No Cap

None

100% (5.00% av spread)

Monthly Average (S&P 500)

No Cap

None

1.55% (1% min)

Fixed Account

No Cap

None

100% No rate lock period. American General Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our office for details. 8/12/2013 Vision Advantage 9 SPDA None 80%

Annual Pt-to-Pt (S&P 500)

3.00% (1% min)

None 10% Free W/D in All years Annuity Value 5x5 Systematic withdrawals available including year 1. 9 years 10,9,8,7,6,5,4,3,2 SC Modified Charges: 9,8,7,6,5,4,3,2,1 Allowed without withdrawal charges of MVA if after the 5th contract year and is either life-contingent or for a minimum of 5 years 6.50% 0-75 5.00% 76-80 SC 6.00% 0-75 SC 4.50% 76-80 100% Chargeback in first 12 months for death or for any full or partial withdrawals, excluding any penaltyfree amounts.

Annual Pt-to-Pt (S&P 500)

3.10% (1% min)

None

Yes

87.5% @ 1%

0-80

$15,000

$1MM age 75< $500k ages 75+

Equal to annuity value in a single sum

Extended Care Rider

27% (10% min)

Adjustable Participation Rate (S&P 500)

No Cap

None

100% (3.80% av spread)

Monthly Average (S&P 500)

No Cap

None

100% Global Bonus Index 100% 8/12/2013 GMWB included* Not available in SC and other states SPDA 5% 40%

Annual Pt-to-Pt (Global Multiple Index)

2.65%

None Allowed without withdrawal charges of MVA if after the 5th contract year and is either life-contingent or for a minimum of 5 years 100% Chargeback in first 12 months for death or for any full or partial withdrawals, excluding any penaltyfree amounts and 50% in year two.

No rate lock period. American General Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our office for details.

Monthly Cap (S&P 500) Adjustable Participation Rate (S&P 500)

1.65% (0.5% min)

None Yes 100% @ 1% 0-80 $15,000 $1MM age 75< $500k ages 75+

10% each year including the first year Systematic withdrawals available including year 1.

10 years 10,10,10,10, 10,9,8,7,6,4

Full account value at death of first owner

Extended Care Rider

5.25% 0-75 3.00% 76-80

No Cap

None

2.20% (1.00% min)

Fixed Account

No Cap

None

For producer use only.

Revised 8/30/2013

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

100% Global 8 Index No rate lock period. American General Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our office for details. 8/12/2013 GMWB included* Endurance Elite no upfront cost payments can increase with age & higher annuity Includes avalue built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are ANICO EIAto the without any cost client. FPDA None 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105% None 45% (10% min) 100%

Annual Pt-to-Pt (Global Multiple Index)

2.80%

None $5,000 initial premium, then $2,000 minimum additional deposits No 87.5% @ 1% 0-80 After initial premium is met, EFT $100/month <$5,000 EFT min. $300/month $10,000 $1MM age 75< $500k ages 75+ 10% Free W/D in All years each year including the first year 8 years 8,7,6,5,4,3,2,1 Full account value at death of first owner Allowed without withdrawal charges of MVA if after the 5th contract year and is either life-contingent or for a minimum of 5 years Annuitization without penalty after 5th contract year. 3.50% 0-75 2.50% 76-80 (yrs 2-5) 0-75 1.75% 76+ 1.75% Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details. 5.00% to 79 3.00% 80-85

Monthly Cap (S&P 500) Adjustable Participation Rate (S&P 500)

1.90% (0.5% min)

None

Extended Care Rider AGL: Annuity Value 5x5 USL: Annuity Value 1x5 No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Nursing Home, Death Benefit Rider Disability Terminal Illness

100% Chargeback in first 12 months for death or for any full or partial withdrawals, excluding any penaltyfree amounts. Chargeback for *Subsequent death, Alternate commissions based Annuitization Option on attained age at III,time or surrender in the subsequent first year. premiums are paid. 100% first 6 months 50% months in 100% chargeback 7-12 first year for any surrenders

No Cap

None 10% each year after first year of total premiums paid $1MM RMD penalty free if taken in December or monthly throughout the year. 10% of AV value each year after first year

SPDA (Additional premiums accepted in first year.)

Contract Surrender Charges - no rolling surrender charges 6 years 8.5,8,7,6,5,4

Allianz

60 days from day app received in home office

7/22/2013

2.40% (1.00% min)

Fixed Account

No Cap

None

No

87.5% @ 1.00%

0-80

Additional premium accepted in first year

American National

No rate lock period.

8/1/2013

SPDA

Triggered Index Bucket 2.50% guaranteed interest rate each year the S&P is flat or goes up

0-85 Annual Pt-to-Pt (S&P 500) None None No 90% of premium pd @ MGIR Maturity: 95 Owner $10,000 $1MM

Contract Surrender Charges - no rolling surrender charges 6 years 8,8,7,6,4,2

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years. Full account value at death of owner

Annuitization after 5th contract year for at least 5 years.

American National

No rate lock period.

7/1/2013

ValueLock 7 Lock in gains anytime after 2nd contract year. Annually renewal declared rate after 7th year.

SPDA

None

50%

Term point to point with monthly averaging (S&P 500)

None

None

No

88.75% of premium @ min. guaranteed interest rate

0-80 Maturity 95 owner $5,000 NQ $4,000 Q $1MM 10% each year after first year 7 years 8,8,7,6,5,4,2

Payable on death of the Owner of the contract. Amt. of DB will depend on whether death occurs prior to lock-in, or after.

Nursing Home, Disability Terminal Illness Annuitization allowed without surrender or MVA after 7th year. 6.00% 0-75 4.00% 76-80 100% chargeback in first year for any surrenders

American National

No rate lock period.

7/1/2013

ValueLock 10 Lock in gains anytime during the index term. Annually renewable declared rate after 10th year.

Nursing Home, SPDA None 100% Term point to point with monthly averaging (S&P 500) None None No 90% of premium @ 1.00% per year 0-80 Maturity 95 owner $5,000 NQ $4,000 Q $1MM 10% each year after first year 10 years 12,12,11,10, 9,8,7,6,5,3 Full account value at death of owner Disability Terminal Illness Annuitization allowed without surrender or MVA after 10th year. 10.00% 0-75 8.00% 76-80 100% chargeback in first year for any surrenders

100% 7/1/2013

Annual Pt-to-Pt (S&P 500)

1.75% (1.00% min.)

None $5,000 NQ $4,000 Q 10% each year after first year 7 years 7,7,6,5,4,3,2 Full account value paid at death of owner Nursing Home Disability Optional: Lifetime Income and Enhanced Death Benefit Annuitization allowed without surrender penalties after 7th year.

American National

No rate lock period.

Strategy 7

SPDA

None 1.00% (1.00% min.)

No

90% @ 1.00%

0-85

$1MM

5.00% 0-75 4.00% 76-80 3.00% 81-85 Ask us about trail commission options.

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.

Fixed Account

No Cap

None

100% American National No rate lock period. 7/1/2013 Strategy 10 SPDA None 1.00% (1.00% min.)

Annual Pt-to-Pt (S&P 500)

1.75% (1.00% min.)

None No 90% @ 1.00% 0-85 $5,000 NQ $4,000 Q $1MM 10% each year after first year 10 years 9,9,8,7,6, 5,4,3,2,1 Full account value paid at death of owner

Nursing Home Disability Optional: Lifetime Income and Enhanced Death Benefit

Annuitization allowed without surrender penalties after 10th year.

8.00% 0-75 6.50% 76-80 5.00% 81-85 Ask us about trail commission options.

Fixed Account

No Cap

None

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.

100%

Annual Pt-to-Pt (S&P 500)

$75,000+ 2.00% >$74,999 2.00% (2.00% min) $75,000+ 1.25% >$74,999 1.00% (1.00% min) $75,000+ 2.50% >$74,999 2.00% (1.00% min)

None

100% 30 days from date application signed 7/9/2013

Monthly Cap (S&P 500)

None $5,000 Yes 87.5% @ 1.00% 0-80 $1,000 minimum additional premium $1MM

Aviva

Income Preferred Six

FPDA

None Monthly Average (S&P 500)

100%

None

Beginning in the first year, up to 5% of the accumulated value. Starting in the second year, up to 10% of the prior anniversary's accumulated value may be taken.

6 Years 9,8,7,6,4.7,3.5 Contract Surrender Charges - no rolling surrender charges Full account value at death

Confinement Waiver Terminal Illness Waiver

Can annuitize full account value after the first contract year.

Age 0-75 5.00% year 1 2.50% years 2-3 Age 76-80 3.50% year 1 1.75% years 2-3

100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.

$75,000+ 1.00% >$74,999 1.00% (1.00% min)

Fixed Account

No Cap

None

100%

Annual Pt-to-Pt (S&P 500)

$75,000+ 2.50% >$74,999 2.00% (2.00% min) $75,000+ 1.25% >$74,999 1.00% (1.00% min) $75,000+ 2.50% >$74,999 2.00% (1.00% min)

None

100% 30 days from date application signed 7/9/2013

Monthly Cap (S&P 500)

None $5,000 Yes 87.5% @ 1.00% 0-78 $1,000 minimum additional premium $1MM

Aviva

Income Preferred Ten

FPDA

None Monthly Average (S&P 500)

100%

None

Beginning in the first year, up to 5% of the accumulated value. Starting in the second year, up to 10% of the prior anniversary's accumulated value may be taken.

10 Years 9.6,9,8,7,6,5,4,3,2,1 Contract Surrender Charges - no rolling surrender charges Full account value at death

Confinement Waiver Terminal Illness Waiver

Can annuitize full account value after the first contract year.

Age 0-75 7.50% year 1 3.75% years 2-5 Age 76-78 5.50% year 1 2.75% years 2-5

100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.

$75,000+ 1.10% >$74,999 1.00% (1.00% min)

Fixed Account

No Cap

None

100%

Annual Pt-to-Pt (S&P 500)

$75,000+ 2.50% >$74,999 2.00% (2.00% min) $75,000+ 1.25% >$74,999 1.00% (1.00% min) $75,000+ 2.50% >$74,999 2.00% (1.00% min)

None 10 Years 12,12,12,11,10,9, 8,7,6,5,4 Premium Bonus Recapture 6.5% first 8 years 4.6% year 9 2.3% year 10 Contract Surrender Charges - no rolling surrender charges Age 0-75 7.00% year 1 3.50% years 2-5 Age 76-78 5.00% year 1 2.50% years 2-5 100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.

100% 30 days from date application signed 4% on all first year premiums 7/9/2013 Income Preferred Bonus FPDA 4% in SC 100%

Monthly Cap (S&P 500)

None

$5,000 Yes 87.5% @ 1.00% 0-78 $1,000 minimum additional premium, up to $100,000 in any contract year $1MM

Aviva

Monthly Average (S&P 500)

None

Beginning in the first year, up to 5% of the accumulated value. Starting in the second year, up to 10% of the prior anniversary's accumulated value may be taken.

Full account value at death

Confinement Waiver Terminal Illness Waiver

Can annuitize full account value after the first contract year.

$75,000+ 1.25% >$74,999 1.00% (1.00% min)

Fixed account

No Cap

None

100% $100,000+ 4% on all premiums received in the first year 7/9/2013 Lifetime Solutions Annuity FPDA <$100,000 3% on all premiums received in the first year

Annual Pt-to-Pt (S&P 500)

$75,000+ 2.25% >$74,999 2.25% (2.00% min)

None Beginning in the first year, up to 5% of the accumulated value. Starting in the second year, up to 10% of the prior anniversary's accumulated value may be taken.

10 Years 12,12,12,11,10,9, 8,7,6,5,4 Vesting Schedule 25% year 8 50% year 9 75% year 10 100% years 11+ Contract Surrender Charges - no rolling surrender charges
Revised 8/30/2013

Aviva

30 days from date application signed

Yes

87.5% @ 1.00%

0-78

$25,000

$1MM

1 X (premium + premium bonus)

Confinement Waiver Terminal Illness Waiver

Can annuitize full account value after the first contract year.

Age 0-75 7.00% Age 76-78 5.00%

100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.

For producer use only.

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Aviva

30 days from date application signed

Cash Bonus $100,000+ 4% on all premiums received in the first year <$100,000 3% on all premiums received in the first year

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

7/9/2013

Lifetime Solutions Annuity

FPDA

100%

Monthly Cap (S&P 500)

$75,000+ 1.20% >$74,999 1.20% (1.00% min)

None

Yes

87.5% @ 1.00%

0-78

$25,000

$1MM

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

$75,000+ 1.05% >$74,999 1.05% (1.00% min)

Liquidity Options Beginning in the first year, up to 5% of the accumulated value. Starting in the second year, up to 10% of the prior anniversary's accumulated value may be taken.

10 Years Surrender 12,12,12,11,10,9, Charges 8,7,6,5,4 Vesting Schedule 25% year 8 50% year 9 75% year 10 100% years 11+ Contract Surrender Charges - no rolling surrender charges

Death Benefit

Waivers

Annuitization Options

MGA Commission Age 0-75 7.00% Age 76-78 5.00%

Commission Chargeback Rules

1 X (premium + premium bonus)

Confinement Waiver Terminal Illness Waiver

Can annuitize full account value after the first contract year.

100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.

Fixed account

No Cap

None

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

SPDA (Additional premiums accepted in first year.)

50%

5-Year No Cap PTP Index

None

$50,000+ 3.30% >$50,999 3.30% (10% max spread) $50,000+ 3.40% >50,000 3.40% (10% max spread)

$10,000 No 87.5% @ 1.00% 0-80 Additional premium accepted in first year $1MM

10% each year after first year of total premiums paid RMD penalty free if taken in December or monthly throughout the year.

6 years 8.5,8,7,6,5,4

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Annuitization without penalty after 5th contract year.

Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details.

Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

50%

1-Year No Cap PTP Index

None

$50,000+ 4%

100%

1-Year Multiple Index PTP

$50,000+ 3.25% >50,000 3.25% (0.50% min) $50,000+ 3.25% >$50,999 3.25% (0.50% min) $50,000+ 1.55% >$50,999 1.55% (0.25% min) $50,000+ 3.60% >$50,999 3.60% (0.50% min)

None

(0-78) 10 Years 10,10,10,10,9, 8,7,6,5,4 0-78 56-78 in AK, SC Beginning in the second year, up to 5% accumulated value may be taken. (56-78) 10 Years 9.4,8.9,8, 7,6,5,4,3,2,1

Aviva

30 days from date application signed

7/9/2013

TargetHorizon10 Target Horizon10 Select in AK, SC

SPDA

<$50,000 3% Vesting Schedule: 0,0,0,0,0,0, 20,40,60,80,100 No Bonus for Target Horizon10 Select

100%

Annual Pt-to-Pt (S&P 500)

Death Benefit Floor Feature: 1% Simple Interest To Your Remaining Premium

Confinement Waiver Terminal Illness Waiver

None

Yes

87.5% @ 1.00%

$5,000

$1MM

100%

Monthly Cap (S&P 500)

None

Contract Surrender Charges - no rolling surrender charges

Full account value at death

Target Horizon 10: Age 0-75 6.50% Can annuitize after the first year for a Age 76-78 100% Chargeback minimum of 8 year 4.50% first 6 months, 50% certain, and after the Chargeback months 5th contract year the Target Horizon 10 Select: 7-12 for surrenders. minimum is 5 year Age 56-76 certain. 6.50% Age 76-78 4.50%

100%

Monthly Average (S&P 500)

None

$75,000+ 1.60% >$74,999 1.60% (0.25% min)

Fixed account

No Cap

None

100%

5-Year No Cap PTP Index

None

$50,000+ 1.85% >$50,999 1.85% (10% max spread) $50,000+ 2.05% >50,000 2.05% (10% max spread)

100%

1-Year No Cap PTP Index

None

100% $50,000+ 7% on all premiums received in the first year 7/9/2013 TargetHorizon15 SPDA <$50,000 6% on all premiums received in the first year 100% 100%

1-Year Multiple Index PTP

$50,000+ 4.35% >50,000 4.35% (0.50% min) $50,000+ 4.30% >$50,999 4.30% (0.50% min) $50,000+ 1.95% >$50,999 1.95% (0.25% min) $50,000+ 5.10% >$50,999 5.10% (0.50% min)

None 0-73 0-50 in AK, SC, NJ 0-64 in FL 0-47 in OH None Beginning in the second year, up to 5% of the accumulated value. 15 Years: 15,15,14,13, 13,12,11, 10,9, 8,7,6,5,4

Aviva

30 days from date application signed

Annual Pt-to-Pt (S&P 500)

None

Yes

87.5% @ 1.00%

$5,000

$1MM

Full account value at death

Confinement Waiver Terminal Illness Waiver

Contract Surrender Charges - no rolling surrender charges

Can annuitize after the first year for a minimum of 8 year certain, and after the 5th contract year the minimum is 5 year certain.

Age 0-73 7.00%

100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.

Monthly Cap (S&P 500)

100%

Monthly Average (S&P 500)

None

$75,000+ 2.00% >$74,999 2.00% (0.25% min)

Fixed account

No Cap

None

100%

Annual Pt-to-Pt (S&P 500)

5.00% (1.00% min.)

None

10% each year after the first ($500 min.) Systematic withdrawals can begin after first year ($100 min.) RMD available immediately The greater of the accumulation value or the minimum guaranteed cash surrender value.

Athene Annuity

60 days from date application is signed

7/30/2013

Accumulator 5

SPDA

None

100%

Monthly Cap Additive (S&P 500)

2.20% (0.50% min.)

None

Yes

90% of premiums at 1.00%

0-80

$10,000

$1MM

5-Years: 9,8,7,6,5

Confinement Terminal Illness

2.00% (1.00% min.)

Fixed Account

No Cap

None

SEPP's

Available after first 12 months, withdrawal charges do not apply if a payment option of income for life is selected. After the first 5 contract years withdrawal charges do not apply if income payment option with guaranteed period of at least 5 years is selected.

Full Surrender and Death: 100% 0-6 months 50% 7-12 months 3.00% to 75 1.75% 76-80 Annuitization: 100% first 24 months Partial Withdrawals: 100% 0-6 months

100% Benefit 10 Athene Annuity 60 days from date application is signed 7/30/2013 Enhanced Benefit Rider: Premium Bonus: 6.00% Rollup: 7.50% Rider Cost: 1.40% SPDA None 100%

Annual Pt-to-Pt (S&P 500)

3.65% (1.00% min.)

None

10% each year after the first ($500 min.) Systematic withdrawals can begin after first year ($100 min.) RMD available immediately The greater of the accumulation value or the minimum guaranteed cash surrender value.

Monthly Cap Additive (S&P 500)

2.05% (0.50% min.)

None

Yes

87.5% of premiums at 1.00%

30-80

$10,000

$1MM

10-Years: 9,9,8,7,6,5,4,3,2,1

Confinement Terminal Illness

1.70% (1.00% min.)

Fixed Account

No Cap

None

SEPP's

Available after first 12 months, withdrawal charges do not apply if a payment option of income for life is selected. After the first 5 contract years withdrawal charges do not apply if income payment option with guaranteed period of at least 5 years is selected.

Full Surrender and Death: 100% 0-6 months 50% 7-12 months 6.00% to 75 3.50% 76-80 Annuitization: 100% first 24 months Partial Withdrawals: 100% 0-6 months

100%

Annual Pt-to-Pt (S&P 500)

6.25% (2.00% min.)

None

100%

Monthly Cap (S&P 500)

3.00% (0.50% min.)

None $5,000

10% each year after the first ($500 min.) Systematic withdrawals can begin after first year ($100 min.) RMD available immediately SEPP's The greater of the accumulation value or the minimum guaranteed cash surrender value.

Athene Annuity

60 days from date application is signed

7/30/2013

Choice 10

SPDA

None

100%

Quarterly Additive Pt-to-Pt -Annually Reset (Dow Jones)

2.60% (1.00% min.)

None

Yes

87.5% of premiums at 1.00%

0-80

5 additional deposits allowed in the first 12 months, credited to fixed account until next anniversary

$1MM

10-Years: 10,10,9.5,9, 8,7,6,5,4,2

Confinement Terminal Illness

Available after first 12 months, withdrawal Option A Full Surrender and charges do not apply if 7.00% to 75 Death: a payment option of 4.00% 76-80 100% 0-6 months income for life is 50% 7-12 months selected. After the first 5 contract years Option B Annuitization: withdrawal charges do Call office for commission 100% first 24 not apply if income details containing trails. months payment option with guaranteed period of at (Different for CA, WA and Partial Withdrawals: least 5 years is TX) 100% 0-6 months selected.

For producer use only.

Revised 8/30/2013

10% each year after the first ($500 min.) $5,000 Athene Annuity Carrier & Rate Lock 60 days from date Rate Lockis Period application signed Rate 7/30/2013 Effective Date Choice 10 Product Name SPDA SPDA or FPDA Cash None Bonus Rates Current/ Guaranteed Fees/ Margins Yes MVA Minimum 87.5% of premiums Contractual at 1.00% Guarantee Issue 0-80 Ages 5 additional deposits allowed Minimum in the first 12 months, credited Premium to fixed account until next anniversary Maximum $1MM Premium Systematic withdrawals can begin after first year Liquidity ($100 min.) Options RMD available immediately SEPP's The greater of the accumulation value or the Death minimum Benefit guaranteed cash surrender value.

Index Method

Caps

10-Years: Surrender 10,10,9.5,9, Charges 8,7,6,5,4,2

Confinement Waivers Terminal Illness

100%

Monthly Average (Dow Jones)

5.50% (5.00% min)

None

Available after first 12 months, withdrawal Option A Full Surrender and charges do not apply if 7.00% to 75 Death: a payment option of 4.00% 76-80 100% 0-6 months income for life is 50% 7-12 months selected. After the first MGA B Commission 5Annuitization contract years Option Annuitization: Options Commission withdrawal charges do Call office for commission Chargeback 100% first Rules 24 not apply if income details containing trails. months payment option with guaranteed period of at (Different for CA, WA and Partial Withdrawals: least 5 years is TX) 100% 0-6 months selected.

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

2.15% year 1 (1.00% min.)

Fixed Account

No Cap

None No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Chargeback for death, Alternate Annuitization Option III, or surrender in the first year.

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

SPDA (Additional premiums accepted in first year.)

100%

Annual Pt-to-Pt (S&P 500)

6.00% (2.00% min.)

None No 87.5% @ 1.00% 0-80

$10,000 Additional premium accepted in first year $1MM

10% each year after first year of total premiums paid RMD penalty free if taken in December or monthly throughout the year. 10% of accumulation value after the first year ($500 min.) Systematic withdrawals can begin after first year ($100 min.) RMD available immediately SEPP's

6 years 8.5,8,7,6,5,4

100%

Monthly Cap (S&P 500)

2.60% (0.5% min.)

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

None

Athene Annuity

60 days from date application is signed

7/30/2013

Enhanced Choice 8

SPDA

2% on initial deposit only

100%

Quarterly Additive Pt-to-Pt -Annually Reset (Dow Jones)

2.45% (1.00% min.)

None Yes

87.5% of premiums at 1.00%

0-80

$5,000

$1MM

8-Years: 10,9,8,7, 6,5,4,2

The greater of the accumulation value or the minimum guaranteed cash surrender value.

Confinement Terminal Illness

100%

Monthly Average (Dow Jones)

5.50% (5% min)

None

Annuitization without penalty after 5th contract year. 100% first Option B 6 months Call office for trail Available after first 12 commission details. 50% months months, withdrawal Full Surrender and Option A 7-12 charges do not apply if Death: 5.50% to 75 a payment option of 100% 0-6 months 2.50% 76-80 income for life is 50% 7-12 months selected. After the first Option B 5 contract years Annuitization: Call office for commission withdrawal charges do 100% first 24 details containing trails. not apply if income months payment option with (Different for CA, WA and guaranteed period of at Partial Withdrawals: TX) least 5 years is 100% 0-6 months selected.

Option A Year 1 3.75% to 75 2.25% 76-80

1.65% (1.00% min.)

Fixed Account

No Cap

None

100%

Annual Pt-to-Pt (S&P 500)

5.75% (2.00% min.)

None

100%

Monthly Cap (S&P 500)

2.25% (0.50% min.)

None

10% each year after the first ($500 min.) Systematic withdrawals can begin after first year ($100 min.) RMD available immediately The greater of the accumulation value or the minimum guaranteed cash surrender value.

Athene Annuity

60 days from date application is signed

7/30/2013

Enhanced Choice 12

SPDA

5% on initial deposit only

100%

Quarterly Additive Pt-to-Pt -Annually Reset (Dow Jones)

2.10% (1.00% min.)

None

Yes

87.5% of premiums at 1.00%

0-80

$5,000

$1MM

12-Years: 14,13,12,11,10, 9,8,7,6,5,4,3

Confinement Terminal Illness

100%

Monthly Average (Dow Jones)

5.50% (5% min)

None

SEPP's

Available after first 12 months, withdrawal Full Surrender and Option A charges do not apply if Death: 7.00% to 75 a payment option of 100% 0-6 months 4.00% 76-80 income for life is 50% 7-12 months selected. After the first Option B 5 contract years Annuitization: Call office for commission withdrawal charges do 100% first 24 details containing trails. not apply if income months payment option with (Different for CA, WA and guaranteed period of at Partial Withdrawals: TX) least 10 years is 100% 0-6 months selected.

1.30% (1.00% min.)

Fixed Account

No Cap

None

100%

Monthly Cap (S&P 500)

2.10% (1.00% min) 10% per year of the previous anniversary's account value Withdraw up to 4 times per year $1MM ($2,000 minimum per bucket) Min W/D: $500 Minimum Balance after Withdrawal: $2,000 (per option) 10 years 12,11,10,9,8,7,6,5,4,3 Nursing Home Terminal Illness Full account value at death Unemployment Income for Life GLMB Rider 6.75% roll-up rate .70% cost After 5th contract year without penalty 6.50% to 75 3.50% 76+ 100% first year, 50% Commission varies in MA, year 2 on any NV, OK, UT and TX. surrenders which Check commission exceed the penaltyschedule for details. free amount or RMD. No Lite Commission chargeback at death. 5.50% to 75 3.00% 76+

100% 60 days from date application is received by home office. AccumulatorPlus 10 8/1/2013 DE & SC Lite surrender schedule FPDA None 100%

Monthly Average (S&P 500)

4.75% (3.00% min) 87.5% @ 1.00% $10,000 0-85

F&G Life

Annual Pt-to-Pt (S&P 500)

4.50% (3.00% min)

None

No

Surrender charges in FL, MA, NV, OK, TX & UT are: 9,9,8,7,6,5,3,2,1 Lite States SC & DE 9,9,8,7,6,5,4,3,2,1,0

100%

Declared Rate on Gain

3.50% (1.00% min)

2.25% (1.00% min)

Fixed Account

No Cap

100%

Monthly Cap (S&P 500)

2.50% (1.00% min) 10% per year of the previous anniversary's account value Withdraw up to 4 times per year $1MM ($2,000 minimum per bucket) Min W/D: $500 Minimum Balance after Withdrawal: $2,000 (per option) 14 years 14.75, 13.75, 12.75, 11.75, 10.75, 10, 9, 8, 7, 6, 5, 4, 3, 2 Nursing Home Terminal Illness Full account value at death Unemployment Income for Life GLMB Rider 6.75% roll-up rate .70% cost After 5th contract year without penalty 7.50% to 75 4.00% 76+ 100% first year, 50% year 2 on any surrenders which exceed the penaltyfree amount or RMD. No chargeback at death.

100% AccumulatorPlus 14 F&G Life 60 days from date application is received by home office. 8/1/2013 **Not available in FL for ages 65+. Not Available in SC or DE 100% FPDA None 100%

Monthly Average (S&P 500)

6.00% (3.00%) 87.5% @ 1.00% $10,000 0-80

Annual Pt-to-Pt (S&P 500)

5.50% (3.00% min)

None

No

Declared Rate on Gain

4.00% (1.00% min)

2.60% (1.00% min)

Fixed Account

No Cap

100%

Monthly Cap (S&P 500)

1.60% (1.00% min)

100%

Monthly Average

3.25% (3.00% min) Nursing Home 87.5% of premium plus interest between 1% and 3%, less withdrawals $10,000 0-85 (NQ) 18-85 (Q) ($2,000 min per bucket) $1MM Allows additional deposits of $2,000 or more for first year only. 10% each year after first year Systematic w/d of interest or a specific amount allowed after first year. Min withdraw amount $500.00 10 years 9,9,8,7,6,5,4,3,2,1,0 Lite States 9,9,8,7,6,5,4,3,2,1,0 Full account value paid at death Terminal Illness Unemployment Income for Life(must be elected at issue) GLMB Rider 6.75% roll-up rate .70% cost After 5th contract year without penalty

100% 60 days from date application is received by home office. FG Index Choice 10 8/1/2013 DE & SC Lite surrender schedule FPDA 3% on all first year premiums 100%

Annual Pt-to-Pt (S&P 500)

3.00% (3.00% min)

For Florida: 8.00% 0-64 6.25% 65-75 3.125% 76-85 All states except: AK,Fl,MA,NV,OH,, TX,UT, OK 8% 0-75 4.00% 76-85 Lite States DE & SC 6.25% 0-75 3.125% 76-85

F&G Life

Bi-Annual Pt-to-Pt (S&P 500)

6.25% (3.00% min)

None

No

100%

Tri-Annual Pt-to-Pt (S&P 500)

10.00% (3.00% min)

100% first year, 50% year 2 on any surrenders which exceed the penaltyfree amount or RMD. No chargeback at death.

100%

Declared Rate on Gain

2.25% (1.00%)

1.50% (1.00% min)

Fixed Account

No Cap

100%

Monthly Cap (S&P 500)

1.60%

100% *2.00% to 75 1.00% 76-85 if the Enhancement Package is elected (cost = .40 bps) FPDA

Monthly Average (S&P 500)

3.50%

7 years 10,9,8,7,6,5,4

Nursing Home Terminal Illness The greater of the annuity's fully vested account value, 2) minimum guaranteed surrender value, or 3) the initial premium plus premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever occurs first. Unemployment Home Health Care Enhancement Package (Enhanced death benefit) Protection Package (Income for life, Enhanced death benefit, Double income for LTC) GLMB Rider 6.75% roll-up rate .70% cost 4.50% to 75 2.50% 76+ After 5th contract year 100% first year, 50% without penalty. This Lite States: DE & SC year 2 on any contract will be Remains the Same @ this surrenders which automatically time. exceed the penaltyannuitized if nothing is free amount or done with the policy RMD. No after the maturity date. chargeback at death.

100%

Prosperity Elite 7 F&G Life 60 days from date application is received by home office. 8/1/2013 DE & SC Lite States See lite surrender charges & Lite Compensation Schedule

Annual Pt-to-Pt (S&P 500)

3.00% 87.5% @ 1.00% in floating rate states on indexed accounts 1.00% for fixed option $10,000 NQ or Q 0-85 (NQ) 18-85 (Q) ($2,000 minimum per bucket) $2,000 min additional premium $1MM

10% each year after first year Systematic w/d of interest or a specific amount allowed after first year.

Bonus Vesting Schedule: 14%,29%,43%,57%, 71%,86%,100% Contract Surrender Charges - no rolling surrender charges Lite State Surrender Charges DE & SC 9,9,8,7,6,5,4,

**4.00% to 75 2.00% 76-85 if the Protection Package is elected (cost = 1.10bps) BONUS ONLY ON INITIAL PREMIUM

None

No

For producer use only.

Revised 8/30/2013

7 years Rate Effective Date SPDA or FPDA *2.00% to 75 1.00% 76-85 Cash if the Enhancement Bonus Package is elected (cost = .40 bps) Rates Current/ Guaranteed Fees/ Margins Minimum Contractual Guarantee 87.5% @ 1.00% in floating rate states on indexed accounts 1.00% for fixed option 100% Tri-Annual Pt-to-Pt (S&P 500) 12.50% (3.00% min) Issue Ages Minimum Premium $10,000 NQ or Q ($2,000 minimum per bucket) $2,000 min additional premium Maximum Premium Liquidity 10% each year after Options first year Systematic w/d of interest or a specific amount allowed after first year. 10,9,8,7,6,5,4 Surrender Charges Bonus Vesting Schedule: 14%,29%,43%,57%, 71%,86%,100% Contract Surrender Charges - no rolling surrender charges Lite State Surrender Charges DE & SC 9,9,8,7,6,5,4, 10% each year after first year of total premiums paid $1MM RMD penalty free if taken in December or monthly throughout the year. Deathof the The greater Benefit annuity's fully vested account value, 2) minimum guaranteed surrender value, or 3) the initial premium plus premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever occurs first.

Nursing Home Terminal Illness Waivers Unemployment Home Health Care Enhancement Package (Enhanced death benefit) Protection Package (Income for life, Enhanced death benefit, Double income for LTC) GLMB Rider 6.75% roll-up rate .70% cost No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider 4.50% to 75 Annuitization MGA Commission 2.50% 76+ Options Commission Chargeback Rules After 5th contract year 100% first year, 50% without penalty. This Lite States: DE & SC year 2 on any contract will be Remains the Same @ this surrenders which automatically time. exceed the penaltyannuitized if nothing is free amount or done with the policy RMD. No after the maturity date. chargeback at death.

Carrier & Rate Lock

Rate Lock Period

Product Name Prosperity Elite 7 DE & SC Lite States See lite surrender charges & Lite Compensation Schedule

Index Method

Caps

MVA

F&G Life

60 days from date application is received by home office.

8/1/2013

FPDA

**4.00% to 75 2.00% 76-85 if the Protection Package is elected (cost = 1.10bps) BONUS ONLY ON INITIAL PREMIUM 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

100%

Bi-Annual Pt-to-Pt (S&P 500)

8.50% (3.00% min)

None

No

0-85 (NQ) 18-85 (Q)

$1MM

Endurance Elite

100%

Triggered Index Bucket

2.75% 6 years 8.5,8,7,6,5,4 Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

SPDA (Additional premiums accepted in first year.)

1.50% (1.00% min)

$10,000 Fixed Account No Cap No 87.5% @ 1.00% 0-80 Additional premium accepted in first year

100%

Monthly Cap (S&P 500)

1.75% (1.00% min)

Contract Surrender Charges - no rolling surrender charges

Annuitization without penalty after 5th contract year.

Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details.

Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

100% *4.00% to 75 2.00% 76-85 if the Enhancement Package is elected (cost = .40bps) FPDA

Monthly Average (S&P 500)

3.50% (3.00% min)

Nursing Home 10 years 12,11,10,9,8,7,6,5,4,3 10% each year after first year $1MM Systematic w/d of interest or a specific amount allowed after first year. Bonus Vesting Schedule: Vests at 10% per year for 10 years Contract Surrender Charges - no rolling surrender charges Lite State Surrender Charges DE & SC 9,9,8,7,6,5,4,3,2,1,0 The greater of the annuity's fully vested account value, 2) minimum guaranteed surrender value, or 3) the initial premium plus premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever occurs first. Terminal Illness Unemployment Home Health Care Enhancement Package (Enhanced death benefit) Protection Package (Income for life, Enhanced death benefit, Double income for LTC) GLMB Rider 6.75% roll-up rate .70% cost After 5th contract year without penalty. This contract will be automatically annuitized if nothing is done with the policy after the maturity date. 7.00% to 75 5.50% 76-80 3.75% 81-85 Lite States: SC & DE 6.00% to 75 3.50% 76-80 3.25% 81-85 100% first year, 50% year 2 on any surrenders which exceed the penaltyfree amount or RMD. No chargeback at death.

100%

Prosperity Elite 10 F&G Life 60 days from date application is received by home office. 8/1/2013 DE & SC Lite States See lite surrender charges & Lite Compensation Schedule

Annual Pt-to-Pt (S&P 500)

3.00% (3.00% min) 87.5% @ 1.00% in floating rate states on indexed accounts 1.00% for fixed option $10,000 NQ or Q 0-85 (NQ) 18-85 (Q) ($2,000 minimum per bucket) $2,000 min additional premium

**7.00% to 75 3.50% 76-85 if the Protection Package is elected (cost = 1.10bps) BONUS ONLY ON INITIAL PREMIUM

100%

Bi-Annual Pt-to-Pt (S&P 500)

8.50% (3.00% min)

None

No

100%

Tri-Annual Pt-to-Pt (S&P 500)

12.50% (3.00% min)

100%

Triggered Index Bucket

2.75% (1.00% min)

1.50% (1.00% min)

Fixed Account

No Cap

100%

Monthly Cap (S&P 500)

1.75% (1.00% min)

100% *5.00% to 75 2.50% 76-85 if the Enhancement Package is elected (cost = .40bps) FPDA **8.00% to 75 4.00% 76-85 if the Protection Package is elected (cost = 1.10bps) BONUS ONLY ON INITIAL PREMIUM 100%

Monthly Average (S&P 500)

4.00% (3.00% min)

100%

Prosperity Elite 14 F&G Life 60 days from date application is received by home office. 7/1/2013 DE & SC Lite States See lite surrender charges & Lite Compensation Schedule

Annual Pt-to-Pt (S&P 500)

3.25% (3.00% min) 87.5% @ 1.00% in floating rate states on indexed accounts 1.00% for fixed option $10,000 NQ or Q 0-85 (NQ) 18-85 (Q) ($2,000 minimum per bucket) $2,000 min additional premium $1MM

10% each year after first year Systematic w/d of interest or a specific amount allowed after first year.

100%

Bi-Annual Pt-to-Pt (S&P 500)

9.75% (3.00% min)

None

No

100%

Tri-Annual Pt-to-Pt (S&P 500)

14.50% (3.00% min)

Triggered Index Bucket

3.00% (1.00% min)

The greater of the annuity's fully vested account value, 2) Bonus Vesting Schedule: minimum guaranteed 7%,14%,21%, surrender value, or 3) the 29%,36%,43%,50%, initial premium plus 57%,64%, premium bonus growing 71%,79%,86%, at 5% simple interest up 93%,100% to 10 years or until age 85, whichever occurs first. Contract Surrender Charges - no rolling surrender charges

14 years 14.75,13.75,12.75, 11.75,10.75,10,9, 8,7,6,5,4,3,2

Nursing Home Terminal Illness Unemployment Home Health Care Enhancement Package (Enhanced death benefit) Protection Package (Income for life, Enhanced death benefit, Double income for LTC) GLMB Rider 6.75% roll-up rate .70% cost After 5th contract year without penalty. This contract will be automatically annuitized if nothing is done with the policy after the maturity date. 100% first year, 50% year 2 on any surrenders which exceed the penaltyfree amount or RMD. No chargeback at death.

8.00% to 75 5.50% 76-80 4.25% 81-85

1.50% (min 1%)

Fixed Account

No Cap

*The Enhancement Package includes a vested bonus that is credited to the account value at issue, and is split equally to each crediting option elected, and is eligible to earn interest based on the crediting option elected. The bonus amount, plus any interest earned on that amount, vests over the guarantee period selected. The account value available as a Death Benefit includes 100% of any bonus amounts regardless of the portion vested at that time. The Enhancement Package also consists of a Guaranteed Minimum Death Benefit Rider. At the death of the owner, the value of the GMDB rider is determined to be the greater of: the annuity's account value, the minimum guaranteed surrender value, or the initial premium plus the premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever occurs first. **The Protection Package includes a vested bonus that is credited to the account value at issue, and is split equally to each crediting option elected, and is eligible to earn interest based on the crediting option elected. The bonus amount, plus any interest earned on that amount, vests over the guarantee period selected. The Enhanced Guaranteed Minimum Withdrawal Benefit Rider is designed to provide a guaranteed income amount for life as long as excess withdrawals have not been taken. The guaranteed withdrawal payment amount is a percentage of the Income Base. The Income Base is the greater of: the initial premium, plus 18% bonus, premium growing at 6.75% compounded for no more than 10 years, the Vested Account Value minus surrender charges, and the minimum guaranteed surrender value. The guaranteed withdrawal payment amount is calculated by multiplying the guaranteed withdrawal payment base by the guaranteed withdrawal percentage and is based on the client's age at the time they elect to receive income payments. Income can be based on two people as long as they are joint annuitants and legal spouses. The Protection Package also includes an Enhanced Guaranteed Minimum Death Benefit Rider. At the death of the owner, the beneficiary can choose to receive either: the income base of the Guaranteed Minimum Withdrawal Benefit taken in payouts over at least five years (10 years if the client was age 71 or older at the time the contract was issued) or a Guaranteed Minimum Death Benefit that will be the greater of the annuity's account value, the minimum guaranteed surrender value, or the initial premium plus the premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever comes first. If contract is owned jointly, this benefit is only available upon the death of the first owner.

F&G Life

60 days from date application is received by home office.

Simplicity Elite 7 8/1/2013 Not Available in FL SPDA None 100%

Declared Rate (S&P 500)

2.00% (1.00% min)

None

No

87.5% @ 1.00% in floating rate states on indexed accounts 1.00% for fixed option

10% each year after first year 0-85 (NQ) 18-85 (Q) $10,000 NQ or Q $1MM Up to 4 Annual Withdrawals $500 minimum withdrawal amount 9, 9,8,7,6,5,4,3,0

The greater of the annuity's fully vested account value, 2) minimum guaranteed surrender value, or 3) the initial premium plus premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever occurs first.

Nursing Home Terminal Illness Unemployment Home Health Care Guaranteed Minimum Withdrawal Benefit Rider Guaranteed Minimum Death Benefit Rider Nursing Home Terminal Illness Unemployment Home Health Care Guaranteed Minimum Withdrawal Benefit Rider Guaranteed Minimum Death Benefit Rider Nursing Home Terminal Illness Unemployment Home Health Care Guaranteed Minimum Withdrawal Benefit Rider Guaranteed Minimum Death Benefit Rider After 5th contract year without penalty 7.50% to 79 8.50% 81-85 100% first year, 50% year 2 ( includes any surrenders which exceed the penaltyfree amount or RMD.) No chargeback at death. After 5th contract year without penalty 6.50% to 79 5.50% 81-85 100% first year, 50% year 2 ( includes any surrenders which exceed the penaltyfree amount or RMD.) No chargeback at death. After 5th contract year without penalty 5.00% to 79 4.00% 81-85 100% first year, 50% year 2 ( includes any surrenders which exceed the penaltyfree amount or RMD.) No chargeback at death.

F&G Life

60 days from date application is received by home office.

Simplicity Elite 10 8/1/2013 Not Available in FL SPDA

5% Vesting Schedule: 10,20,30,40,50,60,70,80,9 0 ,100

100%

Declared Rate (S&P 500)

2.00% (1.00% min)

None

No

87.5% @ 1.00% in floating rate states on indexed accounts 1.00% for fixed option

10% each year after first year 0-85 (NQ) 18-85 (Q) $10,000 NQ or Q $1MM Up to 4 Annual Withdrawals $500 minimum withdrawal amount

The greater of the annuity's fully vested account value, 2) 10,10,10,9, ,8,7,6,5,4,3,0 minimum guaranteed surrender value, or 3) the initial premium plus SC: premium bonus growing 9,9,8,7,6,5,4,3,2,1,0 at 5% simple interest up to 10 years or until age 85, whichever occurs first. The greater of the annuity's fully vested account value, 2) minimum guaranteed 14,13,12,11,10,9,8,7,6,5, surrender value, or 3) the 4,3,2,1,0 initial premium plus premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever occurs first.

F&G Life

60 days from date application is received by home office.

Simplicity Elite 14 8/1/2013 Not Available in FL SPDA

7% 7,14,21,29,36,43,50,57,64, 71,79,86,93,100

100%

Declared Rate (S&P 500)

2.00% (1.00% min)

None

No

87.5% @ 1.00% in floating rate states on indexed accounts 1.00% for fixed option

10% each year after first year 0-85 (NQ) 18-85 (Q) $10,000 NQ or Q $1MM Up to 4 Annual Withdrawals $500 minimum withdrawal amount

100%

Step Forward Strategy (S&P 500)

5.00% (5.00% min)

100%

Annual Pt-to-Pt (S&P 500)

3.00% (3.00% min) $10,000 ($2,000 min per bucket) 87.5% of premium plus interest between 1% and 3%, less withdrawals Allows additional deposits of $2,000 or more (allowed before current oldest owner reaches age 86) Additional premiums allocated to the Fixed Interest Optionand and may be reallocated to an index optoin on contract anniversaries only. RMD or SEPP can be taken in year one. $1MM Greater of MRD, SEPP or up to 10% each year after first year 10 years 10,10,10,10,9,8,7,6,4,2,0 Lite States 9,9,8,7,6,5,4,3,2,1,0 Greater of full account value at death or MGSV at death Nursing Home Terminal Illness 7.50% Unemployment Income Freedom Rider 6.75% roll-up rate .70% cost (restart available for up to 10 additional years) After 5th contract year without penalty 0-75

100%

Monthly Pt-to-Pt (S&P 500)

1.60% (1.00% min)

F&G Life

60 days from date application is received by home office.

7% on initial premium. 8/1/2013 AdvanceMark FPDA Vesting Schedule: 10,20,30,40,50,60,70, 80,90,100

100%

Monthly Average (S&P 500)

3.00% (3.00% min) None No

0-75(NQ) 18-75 (Q)

100% first year, 50% year 2 on any surrenders which exceed the penaltyfree amount or RMD. 100% on annuitization prior to year 3. No chargeback at death.

100%

Bi-Annual Monthly Average (S&P 500) Tri-Annual Monthly Average (S&P 500)

7.00% (6.00% min)

Commissions paid on all additional premium prior to year 4.

100%

6.00% (18% max spread)

None

Declared Rate on Gain

2.50% (1.00%)

For producer use only.

Revised 8/30/2013

$10,000 ($2,000 min per bucket) 7% on initial premium. 8/1/2013 AdvanceMark FPDA Vesting Schedule: 10,20,30,40,50,60,70, 80,90,100 None No 87.5% of premium plus interest between 1% and 3%, less withdrawals Allows additional deposits of $2,000 or more (allowed before current oldest owner reaches age 86) Additional premiums allocated to the Fixed Interest Optionand and may be reallocated to an index optoin on contract anniversaries only. Rates Current/ Guaranteed Fees/ Margins Minimum Contractual Guarantee Issue Ages Minimum Premium Maximum Premium RMD or SEPP can be taken in year one. $1MM Greater of MRD, SEPP or up to 10% each year after first year 10 years 10,10,10,10,9,8,7,6,4,2,0 Lite States 9,9,8,7,6,5,4,3,2,1,0 Greater of full account value at death or MGSV at death Nursing Home Terminal Illness 7.50% Unemployment Income Freedom Rider 6.75% roll-up rate .70% cost (restart available for up to 10 additional years) After 5th contract year without penalty 0-75

F&G Life

60 days from date application is received by home office.

0-75(NQ) 18-75 (Q)

100% first year, 50% year 2 on any surrenders which exceed the penaltyfree amount or RMD. 100% on annuitization prior to year 3. No chargeback at death.

Commissions paid on all additional premium prior to year 4.

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Index Method

Caps

MVA

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

1.55% (1.00% min)

Fixed Account

No Cap Freedom: 7.00% Freedom SE: 7.00% Freedom 7: 5.00% Freedom 7 SE: 5.00% (5.00% min) Freedom: 3.50% Freedom SE: 3.50% Freedom 7: 3.00% Freedom 7 SE: 3.00% (3.00% min) Freedom: 1.75% Freedom SE: 1.75% Freedom 7: 1.60% Freedom 7 SE: 1.60% (1.00% min) Freedom: 9.00% Freedom SE: 9.00% Freedom 7: 7.00% Freedom 7 SE: 7.00% (6.00% min) Freedom: 5.00% Freedom SE: 5.00% Freedom 7: 5.00% Freedom 7 SE: 5.00% (18% max spread) Freedom: 3.25% Freedom SE: 3.25% Freedom 7: 2.50% Freedom 7 SE: 2.50% (1.00%)

100% Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105% Freedom: 0 Freedom SE: 4% Freedom 7: 0 Freedom 7 SE: 4%

Step Forward Strategy (S&P 500)

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the AmeriMark Freedom client. Series

100%

Annual Pt-to-Pt (S&P 500)

SPDA (Additional premiums accepted in first year.)

$10,000 No 87.5% @ 1.00% 0-80 Additional premium accepted in first year $3,000 Q $5,000 NQ $1MM

10% each year after first year of total premiums paid RMD penalty free if taken in December or monthly throughout the year. Greater of MRD, SEPP or up to 10% each year, including first year

6 years 8.5,8,7,6,5,4 12 Year: Freedom: Contract Surrender 13.5,12.5, Charges - no11.5, rolling 10.5,10,9,,8,7,6,5,4,2 surrender charges Freedom SE: 13.75,12.75, 11.75, 11,10,9,,8,7,6,5,4,2 7 Year: Freedom 7: 9,8,7,6,5,4,3 Freedom 7 SE: 9,9,8,7,6,5,4

100%

Monthly Pt-to-Pt (S&P 500)

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

No Cost Riders: Nursing Home Flexible Annuity Option Confinement Additional Cost Riders: Flexible Withdrawal Benefit Rider Income Freedom Rider (not available for non-bonus Death Benefit Riderproducts) 6.75% roll-up rate .70% cost (restart available for up to 10 additional years) Join payouts allowed on Q and NQ Checkbook Access Systematic Income Option Annuitization without penalty after 5th contract year.

F&G Life

60 days from date application is received by home office.

8/1/2013

FPDA

100%

Bi-Annual Monthly Average (S&P 500)

None

No

87.5% of premium plus interest between 1% and 3%, less withdrawals

0-85 0-64 in FL on 12 year products Allows additional deposits of $2,000 or more (before current oldest owner reaches age 86) $1MM

Option A Year 1 3.75% to 75 Freedom: 2.25% 76-80 0-75: 7.00% 76-85: 3.75% Option B Call office for trail Freedom SE: commission details. 0-75: 7.00% 76-85: 3.75% Freedom 7: 0-75: 4.50% 76-85: 2.50% Freedom 7 SE: 0-75: 4.50% 76-85: 2.50% Based on issue age of oldest owner

Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100%100% first year, first 50% year 2 on any 6 months surrenders which exceed penalty50%the months free amount 7-12 or RMD. 100% on annuitization prior to year 3. No chargeback at death.

Greater of full account value at death or MGSV at death

After 5th contract year without penalty

100%

Tri-Annual Monthly Average (S&P 500)

None

Declared Rate on Gain

Freedom: 1.50% Freedom SE: 1.50% Freedom 7: 1.55% Freedom 7 SE: 1.55% (1.00% min) 100% 100% 100% F&G Life 60 days from date application is received by home office. 8/1/2013 SpectraMark Series FPDA 3% Up front bonus on year 1 premiums 100% 100% None 2.10% (1.00% min)

Fixed Account

No Cap Liquidity Riders: Nursing Home Terminal Illness Unemployment Home Health Care Value Riders: Combined Cost: 1.10% Legacy Rider Income Security Rider: Income Base is greater of Initial Premium plus 18% income base bonus OR Initial premium plus compound roll-up rate for up to 10 years6.75% roll-up rate ;6.50% in FL Enhanced payment if impaired in 2 of 6 ADLs

Step Forward Strategy (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) Monthly Average (S&P 500) Tri-Annual Monthly Average (S&P 500) Declared Rate on Gain Fixed Account

5.75% (5.00% min) 3.50% (3.00% min) 1.85% (1.00% min) 3.75% (3.00% min) 4.00% (18% max spread) 3.50% (1.00%) No Cap $250K+ 2.00% $100K-$249K 2.00% $25K-$99K 1.75% (0.50% min) $250K+ 4.00% $100K-$249K 4.00% $25K-$99K 3.50% (0.50% min.)

$10,000 ($2,000 minimum per crediting option) 87.5% of premium plus interest between 1% and 3%, less withdrawals 0-85 NQ 18-85 Q Allows additional deposits of $2,000 or more (before current oldest owner reaches age 86) Additional premiums will be allocated to the fixed option and may be reallocated on contract anniversaries only

None

No

$1MM

SpectraMark: 14,13,12,11,10,8,6,4,2,1, Greater of MRD, SEPP 0 or up to 10% each year, after first year. SpectraMark LT: 9,9,8,7,6,5,4,3,2,1,0 4 withdrawals allowed per year with $500 minimum per withdrawal.

RMD or SEPP allowed in year 1.

Greater of full account value at death or MGSV at death Under Legacy Rider: Lump sum payout is greater of total account value, MGSV, or initial premium plus bonus growing at 5% simple interest.

SpectraMark: 0-75: 8.00% 76-85: 4.00% SpectraMark LT: 0-75: 6.25% 76-85: 3.13% Commissions paid on all additional premium prior to year 4.

100% first year, 50% year 2 on any surrenders which exceed the penaltyfree amount or RMD. 100% on annuitization prior to year 3. No chargeback at death.

100% 15% added to the income account value only, plus 6% minimum compounded roll-up interest rate for up to 10 years (This is not an optional rider, but is built into the contract for a .95% charge.)

Monthly Cap (S&P 500)

1.25% Optional Death Benefit Rider .95% Annual Guaranteed Lifetime Income Benefit Plus Yes 87.5% @ 1.00% 0-85 $25,000 $1MM

Forethought Life

45 days from date application is signed.

7/22/2013

Index Bonus 115

SPDA

100%

Annual Pt-to-Pt (S&P 500)

Clients can elect Guaranteed Lifetime Annual Income any time after issue (must be 59 1/2 and older) for both new and existing business 10% of the beginning contract value each year after first year RMD (any imposed amount by the IRS)

Full account value paid at death Optional Rider: Guarantee your death benefit is equal to no less than the initial premium increasing by 5% of premium less withdrawals, at the end of each year, until the 10th contract anniversary or until age 85 Nursing Home Terminal Illness Guaranteed Lifetime Income Benefit Plus Rider (0.95% cost) Increased Death Benefit Guaranteed Rider (1.25% cost) 8.00% to 75 5.50% 76-85 After 5th contract year without penalty if Commissions are reduced choose a payout by 1.00% in the states of option of at least 5 AK, CT, DE, FL, MN, OH, years certain. OR, SC, TX and UT 100% Chargeback for death or any withdrawals in the first year. 0-12 months) (any age ages)

10 years 12,12,11,10, 9,8,7,6,4,2

$250K+ 2.00% $100K-$249K 2.00% $25K-$99K 1.75% (1.00% min)

Fixed Account

No Cap

100%

Annual Pt-to-Pt (S&P 500)

$250K+ 4.00% $100K-$249K 4.00% $25K-$99K 3.50 (min 3%) $250K+ 2.00% $100K-$249K 2.00% $25K-$99K 1.75% (min.50%) Original Income 125: No charge for lifetime guaranteed income Income 125+: annual charge of .55bps for guaranteed lifetime income benefit

Income 125+ Pending in: IL,MD, MN Forethought Life 45 days from date application is signed. 7/22/2013 Not Available: AK, NY,OR,WA Original Income 125 still available in States listed above SPDA 25% added to the income account value only, plus 5% minimum compounded roll-up interest rate for up to 10 years

100%

Monthly Cap (S&P 500)

No On Original New 125+ has MVA on Surrenders 87.5% @ 1.00% 0-85 $25,000 $1MM

New Income 125+ Lifetime income available day 1. Guaranteed Lifetime Income may be elected at any time after issue (must be 59 1/2 or older) 10% of the beginning contract value each year after first year RMD (any imposed amount by the IRS)

Full account value paid at death Optional Rider: Guarantee your death benefit is equal to no less than the initial premium increasing by 5% of premium less withdrawals, at the end of each year, until the 10th contract anniversary or until age 85 Nursing Home Terminal Illness Death Benefit Rider (1.10% cost) 7.00% to 75 5.00% 76-85 100% Chargeback After 5th contract year for death or any without penalty if Commissions are reduced withdrawals in the choose a payout by 1.00% in the states of first year (0option of at least 5 AK, CT, DE, FL, MN, OH, 12months). (any age) years certain. OR, SC, TX and UT.

Optional Death Benefit Rider $250K+ 2.00% $100K-$249K 2.00% $25K-$99K 1.75% (1.00% min) (1.00%) 1.10% on original on New 125+ 1.25% (has additional feature)

10 years 12,12,11,10, 9,8,7,6,4,2

Fixed Account

No Cap

100%

Annual Pt-to-Pt (S&P 500)

2.50% (2.00% min.)

Full account value paid at death Optional Rider: Guarantee your death benefit is equal to no less than the initial premium increasing by 5% of premium less withdrawals, at the end of each year, until the 10th contract anniversary or until age 85 Nursing Home Terminal Illness Guaranteed Lifetime Income Benefit Plus Rider (0.95% cost) 7.00% to 75 5.00% 76-80 After 5th contract year 100% Chargeback without penalty if Commissions are reduced for death or any choose a payout by 1.00% in the states of withdrawals in the option of at least 5 AK, DE, MD, OH,OK., first year (0years certain. MN, OR, SC, TX and UT. 12months) (any age).

Forethought Life

45 days from date application is signed.

7/22/2013

Bonus Advantage

SPDA

5% added to the income account value only, plus 5% minimum compounded roll-up interest rate for up to 10 years

100%

Monthly Pt-to-Pt w/ Cap (S&P 500)

0.75% (.50%min) 0.95% (Annual Optional Income Benefit Charge) Yes 87.5% @ 1.00% 55-80 $25,000

100%

Monthly Average w/ Cap (S&P 500)

2.50% (2.00% min.)

Original Income 125 10% of beginning-ofyear contract value each $500K max ages year after first year 76-80

$1MM max ages 55-75

10 years 10,10,9,9,8, 7,6,5,4,2

0.75%

Fixed Account

No Cap

(Optional) Guaranteed Lifetime Income Benefit: Purchased at the time of Bonus Advantage annuity application (annual charge 0.95% of the Income Base and is deducted from the Contract Value at the beginning of each contract year). The Income Base is a value used to determine the amount of money that's available for guaranteed lifetime income payments. At issue, the Income Base is equal to the premium paid plus the 5% Premium Bonus. The Income Base grows at a 5% compound rate at each Contract Anniversary until the earliest of the tenth contract anniversary, age 85 or until the income start date. At the end of the tenth contract year, if the oldest Owner is not yet 80, the Income Base growth may be extended. The Income Base will continue to grow at 6% compounded annually, until the earliest of the end of contract year 20, age 85, or until the income start date. Clients can elect income payments anytime after issue.

For producer use only.

Revised 8/30/2013

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105% Monthly Cap (S&P 500) 100% Annual CapMax (Year 1)

Rates shown below are banded as follows: $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000+ Monthly Cap 1.40%, 1.80%, 2.00%, 2.10% None (0.50% min. yr 1-7) (0.25% min. yr 8+) No 87.5% @ 1.00% 0-80 $10,000 Additional premium accepted in first year $1MM 10% each year after first year of total premiums paid RMD penalty free if taken in December or monthly throughout the year. No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Annuitization without penalty after 5th contract year. Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details. Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

SPDA (Additional premiums accepted in first year.)

6 years 8.5,8,7,6,5,4

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

Annual CapMax 3.25%, 4%, 4.50%, 4.70% 3.00% CapMax Multiplier (Minimum renewal: 1%)

Can annuitize after the first year. 3.25% - $25,000 - $49,999 (2.75% bailout) Secure Living Index 5 Genworth 60 days from date application is signed 7/1/2013 Optional Income Protection Rider = .80 bps. SPDA None 100% Annual Pt-to-Pt (S&P 500) 4.00% $50,000 - $99,999 (3.50% bailout) 4.50% $100k - $249,999 (4.00% bailout) 4.70% $250k+ (4.20% bailout) (1.00% min. ) None 104% of premium less adjustment for withdrawals and/or applicable rider fees. Payout Options: Life income with period certain of 10, 15 or 20 years 5-Years: 9,9,8,7,6, Full account value paid at death of owner NA Joint life and survivor income with 10 year period certain 100% Chargeback in months 0-12 for Full or Partial Withdrawals and Surrenders 100% chargeback if death is in the first 6 months with an issue age of 76 or older

10% each year after the first 0-85 $25,000 $1MM RMD available immediately

Yes

Option A 3.00% to 75 2.00% 76-80 1.00% 81-85

100%

Performance Trigger (S&P 500)

2.75%, 3.40%, 3.80%, 4.00% None (1.00% min.)

1.25% 1.50% 1.75% 1.85% (1.00% min.)

5-Year Fixed Strategy (Available for new allocation in the first year.)

No Cap

None

1.00% 1.05% 1.10% 1.15% (1.00% min.)

1-Year Fixed Strategy (NOT available for allocation in first year. Only available beginning in year 2.)

No Cap

None

Monthly Cap (S&P 500) 100% Annual CapMax (Year 1)

2.05%>$99,999 2.25%> $249,000 2.35% $250,000+ (0.50% min. yr 1-7) (0.25% min. yr 8+) 5.25%>$99,999 5.75%>249,999 5.95% $250,000+ Year 2 3.00%>$99,999 3.00%>249,999 3.00% $250,000+

None

Can annuitize after the first year. Payout Options: Life income with period certain of 10, 15 or 20 years None 107% of premium less adjustment for withdrawals and/or applicable rider fees. 10% each year after the first 0-85 $25,000 $1MM RMD available immediately 7-Years: 9,9,8,7,6,5,4 Joint life and survivor income with 10 year period certain Option A 4.50% to 75 3.00% 76-80 1.50% 81-85 100% Chargeback in months 0-12 for Full or Partial Withdrawals and Surrenders

100% Secure Living Index 7 Genworth 60 days from date application is signed 7/1/2013 Optional Income Protection Rider = .80 bps. SPDA None

Annual Pt-to-Pt (S&P 500)

5.25%>$99,999 (4.75% bailout) 5.75%> $249,000 (5.25% bailout) 5.95% $250,000+ (5.45% bailout) (1.00% min. )

Nursing Home Waiver Full account value paid at Available after 1st contract year. Must be confined 30 consecutive days in a medical death of owner care facility. Free withdrawal increases from 10% to 20%.

Yes

100%

Performance Trigger (S&P 500)

4.25%>$99,999 4.75%> $249,000 4.95% $250,000+ (1.00% min.)

None

To optimize 100% chargeback if Option B competitiveness & death is in the first 6 Call office for commission reward those waiting at months with an issue details containing trails. least 10 years before age of 76 or older beginning to take income, See details on SecureLiving Index 7 Optional Income Protection Rider

2.10%>$99,999 2.35%> $249,000 2.45% $250,000+ (1.00% min.)

7-Year Fixed Strategy (Available for new allocation in the first year.)

No Cap

None

1.00%>$99,999 1.25%> $249,000 1.35% $250,000+ (1.00% min.)

1-Year Fixed Strategy (NOT available for allocation in first year. Only available beginning in year 2.)

No Cap

None

100%

Monthly Cap (S&P 500) Annual CapMax (Year 1)

1.95%>$99,999 2.15%> $249,000 2.25% $250,000+ (0.50% min. yr 2-10, .25% min yrs. 11+) 4.00%>$99,000 4.50%>249,999 4.70% $250,000+ Year 2 3.00%>$99,000 3.00%>249,999 3.00% $250,000+

None

Can annuitize after the first year. Payout Options: Life income with period certain of 10, 15 or 20 years 10% each year after the first Yes Contract value at the end of the term. 0-80 $25,000 $1MM RMD available immediately (For qualified contracts) 10-Years: 9,9,8,7,6,5,4,3,2,1 Full account value paid at death of owner ***Medical Care Facility ***Nursing Home Joint life and survivor income with 10 year period certain

Secure Living Index 10 Plus

100%

Annual Pt-to-Pt (S&P 500)

Genworth

60 days from date application is signed

7/1/2013

Optional Income Protection Rider = .80 bps.

SPDA

4% of initial single premium

4.00%>$99,999 (3.50% bailout) 4.50%> $249,000 (4.00% bailout) 4.70% $250,000+ (4.20% bailout) (1.00% min. )

None

Option A 6.00% to 75 4.00% 76-80

100% Chargeback in months 0-12 for Full or Partial Withdrawals and Surrenders

For producer use only.

To optimize competitiveness & reward those waiting at least 10 years before beginning to take income, Pls see details on Optional Income Protection Rider

Option B 100% chargeback if Call office for commission death is in the first 6 details containing trails. months with an issue age of 76 or older

Revised 8/30/2013

Can annuitize after the first year. Payout Options: Life income with period certain of 10, 15 or 20 years SPDA or FPDA SPDA Cash Bonus 4% of initial single premium Rates Current/ Guaranteed Index Method Caps Fees/ Margins MVA Yes 3.30%>$99,999 3.80%> $249,000 4.00% $250,000+ (1.00% min.) Minimum Contractual Guarantee Contract value at the end of the term. Issue Ages 0-80 Minimum Premium $25,000 Maximum Premium $1MM 10% each year after the Liquidity first Options RMD available immediately (For qualified contracts) Surrender Charges 10-Years: 9,9,8,7,6,5,4,3,2,1 Death Benefit Full account value paid at death of owner Waivers ***Medical Care Facility ***Nursing Home Annuitization Joint life and survivor Options income with 10 year period certain

Carrier & Rate Lock Genworth

Rate Lock Period 60 days from date application is signed

Rate Effective Date 7/1/2013

Secure Living Index 10 Plus Product Name Optional Income Protection Rider = .80 bps.

Option A MGA 6.00% to 75 Commission 4.00% 76-80

100% Chargeback in months 0-12 for Full Commission or Partial Chargeback WithdrawalsRules and Surrenders

100%

Performance Trigger (S&P 500)

None

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105% 1.65%>$99,999 1.90%> $249,000 2.00% $250,000+ (1.00% min.) 10 Year Fixed Strategy Available for new allocation in 1st year No Cap None $10,000 No 87.5% @ 1.00% 0-80 Additional premium accepted in first year $1MM No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider

To optimize competitiveness & reward those waiting at least 10 years before beginning to take income, Pls see details on Optional Income Protection Rider

Option B 100% chargeback if Call office for commission death is in the first 6 details containing trails. months with an issue age of 76 or older

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

SPDA (Additional premiums accepted in first year.)

10% each year after first year of total premiums paid RMD penalty free if taken in December or monthly throughout the year.

6 years 8.5,8,7,6,5,4

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

Annuitization without penalty after 5th contract year.

Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details.

Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

1.00%>$99,999 1.25%> $249,000 1.35% $250,000+ (1.00% min.)

1 Year Fixed Strategy Not available for new allocation in 1st year No Cap None

1.75% (1.00% min)

Fixed Account

No Cap

None

100% Great American No rate lock period 8/7/2013 American Legend II FPDA None 100%

Monthly Average (S&P 500)

6.25% (1.00% min)

None No 100% @ 1.00% 18-85 Q 0-85 NQ

$10,000 Additional Deposits $2,000 (Q) $5,000 (NQ) $750K 18-79 $500k 80+ 10% each year including the first year

7 years Issue Ages 0-57 12,11,10,9,8,7,6 Issue Ages 58-85 9,8,7,6,5,4,3

Extended Care Full account value paid at death of owner Terminal Illness

Annual Pt-to-Pt (S&P 500)

5.75% (1.00% min)

None

Annuitization using full account value after first contract year if annuitized for at least 5 years.

4.75% to 75 3.25% 76-80 2.25% 81-85

100%

Monthly Cap (S&P 500)

2.25% (1.00% min)

None

100% Chargeback for Annuitization in the first year. 50% Chargeback for death in the first 6 months. 100% Chargeback in months 0-6 for Full or Partial Withdrawals and 50% Chargeback in months 7-12 ANNUITIZATION 100% first year

1.00% (1.00% min) 2% on all premiums for 3 years

Fixed Account

No Cap

None $10,000 10% each year including the first year 10 years 10,9,8,7,6, 5,4,3,2,1 Extended Care Full account value paid at death of owner Terminal Illness

Great American

No rate lock period

8/7/2013

American Valor 10

FPDA

100%

Monthly Average (S&P 500)

5.50% (1.00% min)

None

No

100% @ 1.00%

18-85 Q 0-85 NQ

Additional Deposits $2,000 (Q) $5,000 (NQ)

$750K 18-79 $500k 80+

100%

Annual Pt-to-Pt (S&P 500)

5.25% (1.00% min)

None

Annuitization using full account value if annuitized for income payout periods of seven years or life, or under the income for a fixed period, not to exceed life expectancy option.

5.00% to 75 3.65% 76-80 1.65% 81-85 Call for details on commission in years 2-5

DEATH 100% months 0-6 PARTIAL W/Ds 100% month 0-6 50% months 7-12 FULL SURRENDER 100% first year

1.50% (1.00% min)

Fixed Account

No Cap

None

ANNUITIZATION 100% first year 3.50% to 75 2.60% 76-80 1.70% 81-85 Ask us about trail commission options. DEATH 100% months 0-6 PARTIAL W/Ds 100% month 0-6 50% months 7-12 FULL SURRENDER 100% months 0-6 50% months 7-12

100% Great American No rate lock period 8/7/2013 Safe Outlook SPDA None

Monthly Average (S&P 500)

5.25%<$100K (4.75% Bailout) 5.50% $100K+ (5.00% Bailout) (1.00% min) 5.00% <$100K (4.50% Bailout) 5.25% $100K+ (4.75% Bailout) (1.00% min)

None No 90% @ 1.00% 18-85 Q 0-85 NQ

$10,000 additional purchase payments accepted in first 2 months of contract; minimum $2.000(Q) $5,000(NQ)

Extended Care $750K 18-79 $500k 80+ 10% each year including the first year 6 years 9,8,7,6,5,4 Full account value paid at death of owner Terminal Illness

Account value used for income payout periods of 10 years or life at any time during 10 year period.

100%

Annual Pt-to-Pt (S&P 500)

None

1.10% (1.00% min)

Fixed Account

No Cap

None Extended Care 5.50% to 75 4.50% 76-80 1.50% 81-85 Ask us about trail commission options.

ANNUITIZATION 100% first year $25,000 additional purchase payments accepted in first 2 months of contract; minimum $2.000(Q) $5,000(NQ) Account value used for income payout periods of 10 years or life at any time during 10 year period. DEATH 100% months 0-6 PARTIAL W/Ds 100% month 0-6 50% months 7-12 FULL SURRENDER 100% first year

Great American

No rate lock period

8/7/2013

Safe Return With Guaranteed Return of Premium Rider and Cap Rate Bailout Provision

SPDA

None

100%

Monthly Average (S&P 500)

5.00% (4.50% Bailout) (1.00% min)

None

No

100% @ 1.00%

18-85 Q 0-85 NQ

$750K 18-79 $500k 80+

10% each year including the first year

10 years 10,9,8,7,6 5,4,3,2,1

Full account value paid at death of owner

Terminal Illness IncomeSustainer IncomeSustainer Plus IncomeSecure

100%

Annual Pt-to-Pt (S&P 500)

4.50% (4.00% Bailout) (1.00% min)

None

$75,000+ 3.50% multiplier $15,000 - $74,999 2.00% multiplier Secure Index 5 With optional Return of Premium Rider Ask us about reduction in caps for adding ROP rider. When ROP is selected for this annuity, the Income Protector Benefit may not be chosen. Client's may not have both ROP and IncomeProtector riders simultaneously.

Interest Rate Benchmark (S&P 500) Receive up to 3.5x the 3month LIBOR annual positive gains 10% (0% minimum) None Option A 3.15% to 76 on 1st yr premiums with no trail 1.57% years 2-4 with no trail 10% each year after first year $1MM $50 additional deposits Interest in 30 days from the fixed account Contract Surrender Charges - no rolling surrender charges 5 years 8,7.5, 6.5, 5.5, 4.5 Option B 2.02% to 76 w/.22% trail 1.01% years 2-4 plus .22% trail Option C & D 0.90% to 76 w/. 45% trail .45% years 2-4 plus .45% trail Reduced by .25% for issue ages 76 and older Chargeback for any withdrawals in the first year. 100% first six months 50% months 7-12 No chargeback at death. For contracts with the ING IncomeProtector Withdrawal Benefit rider, chargebacks will not apply to withdrawals designated as maximum annual withdrawals (MAW).

100%

Annual Pt-to-Pt (S&P 500)

$75,000+ 4.00% $15,000 - $74,999 3.50% (0% min) $75,000+ 3.50% $15,000 - $74,999 3.00% (0% min) $75,000+ 1.30% $15,000 - $74,999 0.90% (0% min)

None

ING USA

45 days from the date the transfer paperwork is sent by the home office

8/17/2013

FPDA

None 100% Performance Trigger (S&P 500)

No None

87.5% @ 1.00%

0-80 at time of issue

$15,000

Full account value paid at death of owner

Nursing Home & Terminal Illness Waivers Available after first contract anniversary for owner confinement.

After 1st contract year without penalty

100%

Monthly Cap (S&P 500)

None

1.50% (1.00% min)

Fixed Account

No Cap

None

$75,000+ 5.50% multiplier $15,000 - $74,999 4.00% multiplier

Interest Rate Benchmark (S&P 500) Receive up to 5.5x the 3month LIBOR annual positive gains 10% (0% minimum) None Option A 4.50% to 76 on 1st yr premiums with no trail 2.47% years 2-5 with no trail Option B 4.05% to 76 w/.09% trail 2.47% years 2-5 plus .10% trail After 1st contract year without penalty Option C 3.37% to76 w/.22% trail 1.85% years 2-5 plus .22% trail Option D 1.12% to 80 w/ .67% trail .61% years 2-5 plus .67% trail Reduced by .25% for issue ages 76 and older Chargeback for any withdrawals in the first year. 100% first six months 50% months 7-12 No chargeback at death. For contracts with the ING IncomeProtector Withdrawal Benefit rider, chargebacks will not apply to withdrawals designated as maximum annual withdrawals (MAW).

100%

Annual Pt-to-Pt (S&P 500)

$75,000+ 5.50% $15,000 - $74,999 4.50% (0% min) $75,000+ 4.75% $15,000 - $74,999 4.30% (0% min) $75,000+ 1.70% $15,000 - $74,999 1.30% (0% min)

None 10% each year after first year Interest in 30 days from the fixed account 7 years 10,10,10,10,9,8,7 Contract Surrender Charges - no rolling surrender charges Full account value paid at death of owner Nursing Home & Terminal Illness Waivers Available after first contract anniversary for owner confinement.

ING USA

45 days from the date the transfer paperwork is sent by the home office

7/17/2013

Secure Index 7

FPDA

None 100% Performance Trigger (S&P 500)

No None

87.5% @ 1.00%

0-80 at time of issue

$15,000 $50 additional deposits

100%

Monthly Cap (S&P 500)

None

1MM

For producer use only.

Revised 8/30/2013

Option A 4.50% to 76 on 1st yr premiums with no trail 2.47% years 2-5 with no trail Option B 4.05% to 76 w/.09% trail 2.47% years 2-5 plus .10% trail After 1st contract year without penalty Option C 3.37% to76 w/.22% trail 1.85% years 2-5 plus .22% trail Option D 1.12% to 80 w/ .67% trail .61%MGA years 2-5 Commission plus .67% trail Reduced by .25% for issue ages 76 and older 2.00% (1.00% min) Fixed Account No Cap None

Chargeback for any withdrawals in the first year. 100% first six months 50% months 7-12 No chargeback at death. For contracts with the ING IncomeProtector Withdrawal Benefit rider, chargebacks will not apply to Commission withdrawals Chargeback designatedRules as maximum annual withdrawals (MAW).

ING USA

45 days from the date the transfer paperwork is sent by the home office

7/17/2013

Secure Index 7

FPDA

None

No

87.5% @ 1.00%

0-80 at time of issue

$15,000 $50 additional deposits

10% each year after first year Interest in 30 days from the fixed account

7 years 10,10,10,10,9,8,7 Contract Surrender Charges - no rolling surrender charges Full account value paid at death of owner

Nursing Home & Terminal Illness Waivers Available after first contract anniversary for owner confinement.

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

1MM Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

$75,000+ 4.00% multiplier $15,000-$74,999 2.25% multiplier

Interest Rate Benchmark (S&P 500) Receive up to 3.5x the 3month LIBOR annual positive gains 10% (0% minimum) None $10,000 No $75,000+ 3.25% $15,000 - $74,999 2.50% (0% min) $75,000+ 2.75% $15,000 - $74,999 2.00% (0% min) $75,000+ 1.40% $15,000 - $74,999 1.00% (0% min) 87.5% @ 1.00% 0-80 Additional premium accepted in first year $1MM 10% each year after first year of total premiums paid RMD penalty free if taken in December or monthly throughout the year. 10% each year after first year $15,000 1MM Interest in 30 days from the fixed account 6 years 8.5,8,7,6,5,4 No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Full account value paid at death of annuitant (or owner, if not related) Available after 5th contract year using full account value Annuitization without penalty after 5th contract year. Option A Year 1 3.75% to 75 Option A 2.25% 76-80 6.30% to 76 with no trail Option B Call office for trail Option details. B commission 4.95% to 76 plus .22% trail Option C 2.70% to 76 plus .60% trail Option D 2.25% to 76 plus .67% trail Reduced by .25% for issue ages 76 and older

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client. Secure Index Opportunities Plus

SPDA (Additional premiums accepted in first year.)

100%

Annual Pt-to-Pt (S&P 500)

None 0-80 at time of issue 0-75 in IN

Contract Surrender Charges - no rolling surrender charges 10 years 10,10,10,10, 9,8,7,6,5,4 Bonus Recapture: 100% years 1 and 2 80% years 3 and 4 60% years 5 and 6 40% years 7 and 8 20% years 9 and 10

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

Chargeback for death, Alternate Annuitization Option Chargeback for any III, or surrender the withdrawals in in the first year. year. first 100% first first 100% 6 months six months 50% months 50% months 7-12 7-12 No chargeback at death. For contracts with the ING IncomeProtector Withdrawal Benefit rider, chargebacks will not apply to withdrawals designated as maximum annual withdrawals (MAW).

ING USA

45 days from the date the transfer paperwork is sent by the home office

7/17/2013

SPDA

5% of the single premium 100%

Yes None

87.5% @ 2.00%

Performance Trigger (S&P 500)

Nursing Home & Terminal Illness Waivers (owner)

100%

Monthly Cap (S&P 500)

None

1.50% (1.00% min)

Fixed Account

No Cap

None

100% 45 days from the date the transfer paperwork is sent by the home office 7/17/2013

Annual Point-to-Point Cap Blended S&P 500 & Euro Stoxx 50

$75,000+ 3.75% $15,000 - $74,999 3.00% (0% min)

None

$15,000 NQ $10,000 Q Yes 87.5% @ 1.00% 0-80 $5,000 minimum additional premium (No minimum premium per strategy.) 1MM 10% each year including the first year

ING USA

Envoy 9

FPDA

None 1.25% (1.00% min)

9 Years: 9,9,9,9,8,7,6,5,4 Free out at end of initial guarantee period Contract Surrender Charges - no rolling surrenders.

The greater of the accumulation value or the minimum guaranteed contract value at death of owner

Nursing Home & Terminal Illness Waivers (owner)

Available after first contract year using CASH SURRENDER VALUE, not full account value

Fixed Account

No Cap

None

Option A Years 1-3: 5.40% 0-76 no trail Years 4-5: 2.70% 0-76 no trail Reduced by .25% for issue ages 76 and older Call office for trail options.

Chargeback for any withdrawals in the first year. 100% first six months 50% months 7-12 No chargeback at death.

1.00% 3.00% (yrs 1-3) $100K+ Lincoln Financial 45 days from the date the application is signed 7/1/2013 Lincoln OptiPoint 8 2.00% (yrs 1-3) <$100K on all premiums deposited for first 3 years

Fixed Account

No Cap

None Annuitize at the end of the fifth contract year the full contract value without surrender charges or MVA. Can select a wide choice of income payment options, including life. 100% chargeback for any surrenders or withdrawals in the first year after issue. No chargeback under death claim.

100%

Performance Triggered Specified Rate

1.70% (2.50% min.)

None Yes 100% @ 1.00% 0-85

$5,000 NQ $2,000 Q $50 Additional Premiums

8 years: 9,8,7,6,5,4,3,2 2MM 10% each year including the first year Contract Surrender Charges - no rolling surrenders.

100%

Bi-Annual Pt-to-Pt (S&P 500)

5.00% (3.00% min.)

None

The greater of the full account value at death of owner or the guaranteed minimum non-surrender value.

Nursing Home Terminal Illness

5.50% 0-75 3.60% 76-80 1.75% 81-85

100%

Bi-Annual Monthly Cap (S&P 500)

2.05% (1.00% min.)

None

1.00% 4.00% (1-4yrs) $100K+ Lincoln Financial 45 days from the date the application is signed 7/1/2013 Lincoln OptiPoint 10 FPDA 3.00%(1-4yrs) <$100K on all premiums deposited for first 4 years

Fixed Account

No Cap

None 10 years: 10,9,8,7,6,5,4, 3,2,1 Contract Surrender Charges - no rolling surrender charges Annuitize at the end of the fifth contract year the full contract value without surrender charges or MVA. Can select a wide choice of income payment options, including life. 100% chargeback for any surrenders or withdrawals in the first year after issue. No chargeback under death claim.

100%

Performance Triggered Specified Rate

1.70% (1.25% min.)

None Yes 100% @ 1.00% 0-80

$5,000 NQ $2,000 Q $50 Additional Premiums

2MM

10% each year including the first year

100%

Bi-Annual Pt-to-Pt (S&P 500)

5.00% (3.00% min.)

None

The greater of the full account value at death of owner or the guaranteed minimum non-surrender value.

Nursing Home Terminal Illness

6.50% 0-75 4.35% 76-80

100%

Bi-Annual Monthly (S&P 500)

2.05% (1.00% min.)

None Chargeback on Full or Partial Surrenders (Excluding free partial withdrawals) 3.00% 0-75 2.35% 76-80 1.50% 81-85 100% first 6 months 50% months 7-12 Chargeback on Full or Partial Surrenders (Excluding free partial withdrawals) 4.00% 0-75 3.10% 76-80 2.00% 81-85 100% first 6 months 50% months 7-12

1.10% <100K 1.25% 100K+ 45 days from the date the application is signed

Fixed Account

No Cap

None The greater of the full account value at death of owner or the guaranteed minimum non-surrender value. Nursing Home Terminal Illness

Lincoln Financial

7/1/2013

Lincoln New Direction 6

SPDA

None

100%

Performance Triggered Specified Rate (S&P 500) Bi-Annual Pt-to-Pt (S&P 500)

1.85% <100K 2.15% 100K+ (1.25% min.) 5.00% <100K 5.25% 100K+ (3.00% min.)

None

Yes

100% @ 1.00%

0-85

$10,000

2MM

10% each year including the first year

6 years: 9,8,7,6,4.75, 3.5

100%

None

Annuitize at the end of the second contract year the full contract value without surrender charges or MVA. Can select a wide choice of income payment options, including life.

1.15% <100K 1.30% 100K+ 45 days from the date the application is signed

Fixed Account

No Cap

None The greater of the full account value at death of owner or the guaranteed minimum non-surrender value. Nursing Home Terminal Illness

Lincoln Financial

7/1/2013

Lincoln New Direction 8

SPDA

None

100%

Performance Triggered Specified Rate (S&P 500) Bi-Annual Pt-to-Pt (S&P 500)

2.00% <100K 2.25% 100K+ (1.25% min.) 5.00% <100K 5.45% 100K+ (3.00% min.)

None

Yes

100% @ 1.00%

0-85

$10,000

2MM

10% each year including the first year

8 years: 9,8,7,6,4.75, 3.5,2,0.75

100%

None

Annuitize at the end of the second contract year the full contract value without surrender charges or MVA. Can select a wide choice of income payment options, including life.

1.00% <100K 1.00% 100K+

Fixed Account

No Cap

None Annuitize at the end of the fifth contract year the full contract value without surrender charges or MVA. Can select a wide choice of income payment options, including life. 100% chargeback for any surrenders or withdrawals in the first year after issue. No chargeback under death claim.

100% Lincoln Financial 45 days from the date the application is signed 7/1/2013 Lincoln OptiChoice 5 FPDA None 100%

Performance Triggered Specified Rate (S&P 500) Monthly Cap (S&P 500)

1.70% <100K 1.70% 100K+ (1.25% min) 1.15% <100K 1.15% 100K+ (1.00% min.)

None Yes None 100% @ 1.00% 0-85 $5,000 NQ $2,000 Q $50 Additional Premiums 2MM 10% each year including the first year

5 years: 9,8,7,6,5 Contract Surrender Charges - no rolling surrender charges

The greater of the full account value at death of owner or the guaranteed minimum non-surrender value.

Nursing Home Terminal Illness

4.50% 0-75 3.35% 76-80 2.25% 81-85

100%

Monthly Average (S&P 500)

No Cap

6.65% <100K 6.65% 100K+ (9.00% max)

1.05% <100K 1.05% 100K+

Fixed Account

No Cap

None Annuitize at the end of the fifth contract year the full contract value without surrender charges or MVA. Can select a wide choice of income payment options, including life. 100% chargeback for any surrenders or withdrawals in the first year after issue. No chargeback under death claim.

100% Lincoln Financial 45 days from the date the application is signed 7/1/2013 Lincoln OptiChoice 7 FPDA None 100%

Performance Triggered Specified Rate (S&P 500) Monthly Cap (S&P 500)

1.80% <100K 1.80% 100K+ (1.25% min) 1.20% <100K 1.20% 100K+ (1.00% min.)

None Yes None 100% @ 1.00% 0-85 $5,000 NQ $2,000 Q $50 Additional Premiums 2MM 10% each year including the first year

7 years: 9,8,7,6,5,4,3 Contract Surrender Charges - no rolling surrender charges

The greater of the full account value at death of owner or the guaranteed minimum non-surrender value.

Nursing Home Terminal Illness

5.50% 0-75 4.10% 76-80 2.75% 81-85

100%

Monthly Average (S&P 500)

No Cap

6.45% <100K 6.45% 100K+ (9.00% max)

1.10% <100K 1.10% 100K+

Fixed Account

No Cap

None Annuitize at the end of the fifth contract year the full contract value without surrender charges or MVA. Can select a wide choice of income payment options, including life. 100% chargeback for any surrenders or withdrawals in the first year after issue. No chargeback under death claim.

100% Lincoln Financial 45 days from the date the application is signed 7/1/2013 Lincoln OptiChoice 9 FPDA None

Performance Triggered Specified Rate (S&P 500)

1.85% <100K 1.85% 100K+ (1.25% min)

None 100% @ 1.00% 0-80 $5,000 NQ $2,000 Q $50 Additional Premiums 2MM 10% each year including the first year

9 years: 9,8,7,6,5,4,3,2,1 Contract Surrender Charges - no rolling surrender charges

The greater of the full account value at death of owner or the guaranteed minimum non-surrender value.

Nursing Home Terminal Illness

6.50% 0-75 4.85% 76-80

For producer use only.

Revised 8/30/2013

Carrier & Rate Lock Lincoln Financial

Rate Lock Period 45 days from the date the application is signed

Rate Effective Date 7/1/2013

Product Name Lincoln OptiChoice 9

SPDA or FPDA FPDA

Cash Bonus None

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee 100% @ 1.00%

Issue Ages 0-80

100%

Monthly Cap (S&P 500)

1.25% <100K 1.25% 100K+ (1.00% min.)

Minimum Premium $5,000 NQ $2,000 Q $50 Additional Premiums

Maximum Premium 2MM

Liquidity Options 10% each year including the first year

Surrender 9 years: Charges 9,8,7,6,5,4,3,2,1 Contract Surrender Charges - no rolling surrender charges

None

Death The greater of the full Benefit account value at death of owner or the guaranteed minimum non-surrender value.

Waivers Nursing Home Terminal Illness

Annuitize at the end of the Annuitization fifth contract year the fullOptions contract value without surrender charges or MVA. Can select a wide choice of income payment options, including life.

MGA Commission 6.50% 0-75 4.85% 76-80

100% chargeback Commission for any surrenders or Chargeback Rules withdrawals in the first year after issue. No chargeback under death claim.

100% Endurance Elite

Monthly Average (S&P 500)

No Cap

6.25% <100K 6.25% 100K+ (9.00% max) Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

Lincoln National Indexed Annuities are issued only on the 1st, 8th, 15th, and 22nd of each month. Interest is not credited to the account between the date the premium is received and the date the policy is issued. 10% Includes a built-in income credited to the Enhanced rider. Account value is Withdrawal Benefit for the enhanced by a 10% SPDA Monthly Average purposes of lifetime 100% 2.45% 60 days from day app (S&P 500) 7/22/2013 premium bonus plus 105% Allianz income, which can be received in home office interest after 5th year. (Additional premiums accessed after the 5th Several income options accepted in first year.) Annual Pt-to-Pt contract year. 100% 2.20% available. (S&P 500) EWB Factor = 105% All these benefits are Monthly Average without any cost to the 100% 2.40% (Dow Jones) client. 100% Annual Pt-to-Pt (Dow Jones) Monthly Average (S&P Mid Cap 400) Annual Pt-to-Pt (S&P Mid Cap 400) Monthly Average (Russell 2000) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) 2.05%

None No None 87.5% @ 1.00% 0-80

$10,000 Additional premium accepted in first year $1MM

10% each year after first year of total premiums paid RMD penalty free if taken in December or monthly throughout the year.

6 years 8.5,8,7,6,5,4

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Annuitization without penalty after 5th contract year.

Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details.

None

None

100%

2.00%

None Full Account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office North American Ten 8/1/2013 Income Pay Rider not available on this product. FPDA 6% on all premiums for 5 years 100%

2.00%

None 100% of premiums at 1% compounded annually $2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted in any amount $3MM

North American

2.05%

None

Yes

10% of the full accumulation value each year after first contract year.

10-Years: 18,16,14,12,11 10,8,6,4,2 Contract Surrender Charges - no rolling surrender charges

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency.

5.50% to age 75 on first year premiums 4.13% ages 76-79

100%

2.00%

None

*Only allowed to make one withdrawal per year.

Annuitization after the 1% on premiums applied 5th contract year in years 2&3 without penalty if annuitized for at least 5 (1% addl comm reduction years. in VA.) Partial Annuitization is not allowed.

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

2.00%

None

100%

2.35% 1.30% S&P 1.15% NASDAQ (1.00% min) 2.00%

None

100%

None

100%

Hindsight Index

None

1.15%

Fixed Account

No Cap

None

100%

Daily Average (S&P 500) Annual Pt-to-Pt (S&P 500) Daily Average (Dow Jones) Annual Pt-to-Pt (Dow Jones) Daily Average (S&P Mid Cap 400) Annual Pt-to-Pt (S&P Mid Cap 400) Daily Average (Russell 2000) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500)

2.80%

None

100%

2.45%

None

100%

2.70%

None

100%

2.30%

None 1% Premium Bonus if Annuitized after 10th contract year. Annuitization after first contract year without penalty if annuitized with a life contingency.

100%

2.25%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office 4.00% on all premiums for 7 years

2.15%

None

North American

8/1/2013

North American Charter 10

FPDA

100%

2.30%

None

Yes

87.5% of premiums at 1.10% compounded annually

$2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted in any amount $3MM

10% of the full accumulation value each year after first contract year.

10-Years: 15,14,13,12, 11,10,8,6,4,2 Contract Surrender Charges - no rolling surrender charges

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

6.50% to age 75 on first year premiums; 4.88% ages 76-79

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

2.10%

None

*Only allowed to make one withdrawal per year.

1% on premiums applied Annuitization after the in years 2&3 5th contract year without penalty if (1% addl comm reduction annuitized for at least 5 in VA.) years. Partial Annuitization is not allowed.

100%

2.20%

None

100%

2.65% 1.40% S&P 1.30% NASDAQ (1.00% min) 2.00%

None

100%

None

100%

Hindsight Index

None

1.25%

Fixed Account

No Cap

None

1%

Minimum guaranteed cap rate for the annual point-to-point or the daily or monthly averaging crediting method is 2%. Minimum guaranteed cap rate for the monthly point-to-point is 1.00%.The minimum participation rate for the daily or monthly avg. is 10% and the annual point-to-point is 15%. The guaranteed minimum for the fixed account is 1%. In MN, UT and VA the Charter commissions will be reduced by 1%. Commissions are not paid on new premium added to a spousal continuance case. **Nursing Care Rider - increases the penalty-free withdrawal percentage to 20% of the total accumulation value while the annuitant is confined. Available to age 75 or younger at time of issue.

100%

Daily Average (S&P 500) Annual Pt-to-Pt (S&P 500) Daily Average (Dow Jones) Annual Pt-to-Pt (Dow Jones) Daily Average (S&P Mid Cap 400) Annual Pt-to-Pt (S&P Mid Cap 400) Daily Average (Russell 2000) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500)

3.50%

None

100%

3.00%

None

100%

3.40%

None

100%

2.90%

None 2% Premium Bonus if Annuitized after 14th contract year! Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. Partial Annuitization is not allowed.

100%

2.90%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

7.00% to age 75 on first year premiums; 2.50% on premiums applied in years 2-5 0.50 on premiums in applied years 6-10

100% 45 days from the date the application is received in the home office North American Charter 14 8% on all premiums for 7 years

2.75%

None

North American

8/1/2013

FPDA

100%

3.00%

None

Yes

87.5% of premiums at 1.10% compounded annually

$2,000 Q $10,000 NQ 0-75 Ongoing premiums accepted in any amount $3MM

10% of the full accumulation value each year after first contract year.

14-Years: 18,18,17,15, 15,15,15,14, 12,10,8,6,4,2 Contract Surrender Charges - no rolling surrender charges

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

2.65%

None

*Only allowed to make one withdrawal per year.

(1% addl comm reduction in VA.)

100%

2.75%

None

100%

3.35% 1.70% S&P 1.65% NASDAQ (1.00% min) 2.50%

None

100%

None

100%

Hindsight Index

None

For producer use only.

Revised 8/30/2013

North American

45 days from the date the application is received in the home office

8/1/2013

North American Charter 14

FPDA

8% on all premiums for 7 years

$2,000 Q $10,000 NQ Yes 0-75 Ongoing premiums accepted in any amount $3MM

10% of the full accumulation value each year after first contract year.

14-Years: 18,18,17,15, 15,15,15,14, 12,10,8,6,4,2 Contract Surrender Charges - no rolling surrender charges

*Only allowed to make one withdrawal per year.

Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

2% Premium Bonus if Annuitized after 14th contract year! Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. Partial Annuitization is not allowed.

7.00% to age 75 on first year premiums; 2.50% on premiums applied in years 2-5 0.50 on premiums in applied years 6-10

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

(1% addl comm reduction in VA.)

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

1.55%

Fixed Account

No Cap

None

Call our office.

35%

Daily Average (S&P 500) Annual Pt-to-Pt (S&P 500) Daily Average (Dow Jones) Annual Pt-to-Pt (Dow Jones) Daily Average (S&P Mid Cap 400) Annual Pt-to-Pt (S&P Mid Cap 400) Daily Average (Russell 2000) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500)

No Cap

None

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

45%

2.75%

None 10% each year after first year of total premiums paid $1MM RMD penalty free if taken in December or monthly throughout the year. No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death. Annuitization without penalty after 5th contract year. 1% Premium Bonus if Annuitized at End of Term! Annuitization after first contract year without penalty if annuitized with a life contingency. Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details. 6.50% to age 75 on first year premiums; 4.88% ages 76-79 1% on premiums applied in years 2&3 Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12 in first Chargeback year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client. North American Precision 10

40%

No Cap

None $10,000

SPDA (Additional premiums accepted in first year.)

6 years 8.5,8,7,6,5,4

40%

2.75%

None

No

87.5% @ 1.00%

0-80

Additional premium accepted in first year

25%

No Cap

None

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

35% 4% on all premiums for 7 years

2.75%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted in any amount $3MM

North American

45 days from the date the application is received in the home office

8/1/2013

Index Cap is applied AFTER the participation rate.

FPDA

25%

No Cap

None

Yes

10% of the full accumulation value each year after first contract year.

10-Years: 15,14,13,12, 11,10,8,6,4,2 Contract Surrender Charges - no rolling surrender charges

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

25%

2.75%

None

*Only allowed to make one withdrawal per year.

Annuitization after the 5th contract year without penalty if (1% addl comm reduction annuitized for at least 5 in VA.) years. Partial Annuitization is not allowed.

30%

2.75%

None

90%

2.75% 1.40% S&P 1.30% NASDAQ (1.00% min) 2.75%

None

None

None

25%

Hindsight Index

None

1.25%

Fixed Account

No Cap

None

45%

Daily Average (S&P 500) Annual Pt-to-Pt (S&P 500) Daily Average (Dow Jones) Annual Pt-to-Pt (Dow Jones) Daily Average (S&P Mid Cap 400) Annual Pt-to-Pt (S&P Mid Cap 400) Daily Average (Russell 2000) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50)

No Cap

None

50%

3.50%

None

45%

No Cap

None

45%

3.50%

None 2% Premium Bonus if Annuitized at End of Term! Annuitization after first contract year without penalty if annuitized with a life contingency.

35%

No Cap

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

7.00% to age 75 on first year premiums; 2.50% on premiums applied in years 2&3

35% 45 days from the date the application is received in the home office North American Precision 14 8/1/2013 Cap is applied AFTER the participation rate. FPDA 8% on all premiums for 7 years

3.50%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-75 Ongoing premiums accepted in any amount $3MM

North American

30%

No Cap

None

Yes

10% of the full accumulation value each year after first contract year.

14-Years: 18,18,17,15,15,15,15, 4,12,10,8,6,4,2 Contract Surrender Charges - no rolling surrenders.

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

30%

3.50%

None

*Only allowed to make one withdrawal per year.

30%

3.50%

None

Annuitization after the .50% on premiums in 5th contract year applied years 4-7 without penalty if annuitized for at least 5 years. (1% addl comm reduction in VA.) Partial Annuitization is not allowed.

80%

3.50%

None

30%

Hindsight Index

3.50%

None

1.55%

Fixed Account Monthly Pt-to-Pt (S&P 500) Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Average (Dow Jones) Annual Pt-to-Pt (Dow Jones) Monthly Average (S&P Mid Cap 400) Annual Pt-to-Pt (S&P Mid Cap 400) Monthly Average (Russell 2000) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

No Cap 1.70% S&P 1.65% NASDAQ (1.00% min) No Cap

None

N/A

None

35%

None

20%

No Cap

None

35%

No Cap

None

20%

No Cap

None

25%

No Cap

None 87.5% of premiums at 1.10% compounded annually (Subject to change prior to policy issue) $2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted in any amount $3MM 10% of the full accumulation value each year after first contract year. 10-Years: 14,13,12,11, 10,9,8,6,4,3 Contract Surrender Charges - no rolling surrenders.

North American

45 days from the date the application is received in the home office

8/1/2013

North American Prizm Plus 10

FPDA

4% on all premiums for 7 years

15%

No Cap

None Yes

25%

No Cap

None

*Only allowed to make one withdrawal per year.

15%

No Cap

None

1% Premium Bonus if Annuitized after the tenth contract year! Annuitization after first Full account value at the contract year without 6.50% to age 75 death of the owner or Nursing Home penalty if annuitized on first year premiums; annuitant. If there are to age 75 at issue with a life contingency. 4.88% ages 76-79 joint annuitants, the death __ benefit will be paid at the Annuitization after the 1% on premiums applied second death. If there After the first anniversary - 90 day confinement - 100% of the contract's Accumulation 5th contract year in years 2&3 are joint owners, the Value can be withdrawn penalty-free. without penalty if (1% addl comm reduction death benefit will be paid annuitized for at least 5 in VA.) out at the first death. years. Partial Annuitization is not allowed.

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

15%

No Cap

None

15%

No Cap 1.40% S&P 1.30% NASDAQ (1.00% min) No Cap

None

None

None

1.25%

None

40%

Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Average (Dow Jones) Annual Pt-to-Pt (Dow Jones) Monthly Average (S&P Mid Cap 400)

No Cap

None

25%

No Cap

None

45%

No Cap

None

25%

No Cap

None

30%

No Cap

None 87.5% of premiums at 1.10% compounded annually (Subject to change prior to policy issue) $2,000 Q $10,000 NQ 0-75 Ongoing premiums accepted in any amount $3MM

North American

45 days from the date the application is received in the home office

8/1/2013

North American Prizm Plus 14

FPDA

8% on all premiums for 7 years

Yes

For producer use only.

2% Premium Bonus if Annuitized after the fourteenth contract 7.00% to age 75 year! on first year premiums Full account value at the Annuitization after first 10% of the full 14-Years: death of the owner or contract year without accumulation value each Nursing Home 2.50% on premiums 18,18,17,15,15,15,15,14, annuitant. If there are penalty if annuitized year after first contract to age 75 at issue applied in years 2&3 12,10,8,6,4,2 joint annuitants, the death with a life contingency. year. __ benefit will be paid at the .50% on premiums in Contract Surrender second death. If there Annuitization after the After the first anniversary - 90 day confinement - 100% of the contract's Accumulation applied years 6-10 Charges - no rolling are joint owners, the 5th contract year *Only allowed to make Value can be withdrawn penalty-free. surrenders. death benefit will be paid without penalty if one withdrawal per year. out at the first death. annuitized for at least 5 (1% addl comm reduction years. in VA.) Partial Annuitization is not allowed.

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% Revised 8/30/2013 months 7-12

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee 87.5% of premiums at 1.10% compounded annually (Subject to change prior to policy issue)

Issue Ages

Minimum Premium

Maximum Premium

North American

45 days from the date the application is received in the home office

8/1/2013

North American Prizm Plus 14

FPDA

8% on all premiums for 7 years

20%

Annual Pt-to-Pt (S&P Mid Cap 400) Monthly Average (Russell 2000) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

No Cap

None Yes

$2,000 Q $10,000 NQ 0-75 Ongoing premiums accepted in any amount $3MM

30%

No Cap

None

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

15%

No Cap

None

2% Premium Bonus if Annuitized after the Liquidity Surrender Death Annuitization MGA fourteenth contract Waivers 7.00% to age 75 Options Charges Benefit Options year! Commission on first year premiums Full account value at the Annuitization after first 10% of the full 14-Years: death of the owner or contract year without accumulation value each Nursing Home 2.50% on premiums 18,18,17,15,15,15,15,14, annuitant. If there are penalty if annuitized year after first contract to age 75 at issue applied in years 2&3 12,10,8,6,4,2 joint annuitants, the death with a life contingency. year. __ benefit will be paid at the .50% on premiums in Contract Surrender second death. If there Annuitization after the After the first anniversary - 90 day confinement - 100% of the contract's Accumulation applied years 6-10 Charges - no rolling are joint owners, the 5th contract year *Only allowed to make Value can be withdrawn penalty-free. surrenders. death benefit will be paid without penalty if one withdrawal per year. out at the first death. annuitized for at least 5 (1% addl comm reduction years. in VA.) 10% each year after first year of total premiums paid 6 years 8.5,8,7,6,5,4 No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Partial Annuitization is not allowed. Annuitization without penalty after 5th contract year. Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details.

Commission Chargeback Chargeback in Rules first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12 Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

20%

No Cap

None $10,000

SPDA (Additional premiums accepted in first year.)

20%

No Cap 1.70% S&P 1.65% NASDAQ (1.00% min) No Cap

None

No

87.5% @ 1.00%

0-80

Additional premium accepted in first year

$1MM

None

None

RMD penalty free if taken in December or monthly throughout the year.

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

1.55%

None

5% Penalty Free Option - High Band $250,000+

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

4.00%

None

100%

3.90%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office North American Freedom Choice 8 8/1/2013 *5% penalty free option High band 100% FPDA None 100%

3.75%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-85 Ongoing premiums accepted in any amount $3MM 5% of the full accumulation value each year after first contract year.

8-Years: 9,9,8,7,6,5,4,2 Contract Surrender Charges - no rolling surrenders.

North American

3.65%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 5 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 4.13% ages 76-80 2.75% ages 81-85

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

3.70%

None

3.00% on premiums applied in years 2&3 .50% on premiums in years 4-7

100%

4.55% 2.10% S&P 2.05% NASDAQ (1.00% min) No Cap

None

100%

None

2.00%

None

5% Penalty Free Option - Low Band <$250,000

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

3.15%

None

100%

3.05%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office North American Freedom Choice 8 8/1/2013 *10% Penalty Free Option High band. 100% FPDA None 100%

3.00%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-85 Ongoing premiums accepted in any amount $3MM 5% of the full accumulation value each year after first contract year.

8-Years: 9,9,8,7,6,5,4,2 Contract Surrender Charges - no rolling surrenders.

North American

2.85%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 5 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 4.13% ages 76-80 2.75% ages 81-85

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

3.00%

None

3.00% on premiums applied in years 2&3 .50% on premiums in years 4-7

100%

3.55% 1.75% S&P 1.70% NASDAQ (1.00% min) No Cap

None

100%

None

1.60%

None

10% Penalty Free Option - High Band $250,000+

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

3.35%

None

100%

3.25%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office North American Freedom Choice 8 8/1/2013 5% Penalty Free Option low band 100% FPDA None 100%

3.10%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-85 Ongoing premiums accepted in any amount $3MM 10% of the full accumulation value each year after first contract year.

8-Years: 9,9,8,7,6,5,4,2 Contract Surrender Charges - no rolling surrenders.

North American

3.00%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 5 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 4.13% ages 76-80 2.75% ages 81-85

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

3.10%

None

3.00% on premiums applied in years 2&3 .50% on premiums in years 4-7

100%

3.80% 1.85% S&P 1.80% NASDAQ (1.00% min) No Cap

None

100%

None

1.70%

None

10% Penalty Free Option - Low Band <$250,000

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

2.50%

None

100%

2.35%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office North American Freedom Choice 8 8/1/2013 10%Penalty Free Option Low Band 100% FPDA None 100%

2.25%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-85 Ongoing premiums accepted in any amount $3MM 10% of the full accumulation value each year after first contract year.

8-Years: 9,9,8,7,6,5,4,2 Contract Surrender Charges - no rolling surrenders.

North American

2.15%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 5 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 4.13% ages 76-80 2.75% ages 81-85

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

2.25%

None

3.00% on premiums applied in years 2&3 .50% on premiums in years 4-7

100%

2.75% 1.45% S&P 1.35% NASDAQ (1.00% min) No Cap

None

100%

None

1.30%

None

5% Penalty Free Option - High Band $250,000+

For producer use only.

North American

45 days from the date the application is received in the home office

North American Freedom Choice 10 8/1/2013 *5% Penalty Free Option High Band FPDA None Yes

87.5% of premiums at 1.10% compounded annually

$2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted in any amount $3MM

5% of the full accumulation value each year after first contract year.

10-Years: 9,9,8,7,6, 5,4,3,2,1 Contract Surrender Charges - no rolling surrenders.

Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 5 years. Partial Annuitization is

5.50% to age 75 on first year premiums 4.13% ages 76-79

Chargeback in first year for death, Revised 8/30/2013 surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

3.00% on premiums applied in years 2&3 .50% on premiums in years 4-7

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

4.60%

None

100%

4.55%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the Full account value at second death. If there death of owner, or the are joint owners, the Enhanced Withdrawal death benefit will be paid Benefit Value if taken out at the first death. over a period of at least five years.

Endurance Elite 45 days from the date the application is received in the home office 60 days from day app received in home office North American Freedom Choice 10 Includes a built-in income rider. Account value is *5% Penalty Free Option enhanced by a 10% High Band premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client. 10% credited to None the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

100%

4.40%

None 87.5% of premiums at 1.10% compounded annually 87.5% @ 1.00% $2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted $10,000 in any amount 0-80 Additional premium accepted in first year $1MM $3MM 5% of the full accumulation 10% each year value after each year first after year first of contract total premiums year. paid RMD penalty free if taken in December or monthly throughout the year.

North American

8/1/2013

FPDA SPDA (Additional premiums accepted in first year.)

100%

4.25%

None

Yes

Allianz

7/22/2013

100%

4.35%

None

No

100%

5.40% 2.35% S&P 2.30% NASDAQ (1.00% min) No Cap

None

10-Years: 9,9,8,7,6, 5,4,3,2,1 6 years Contract 8.5,8,7,6,5,4 Surrender Charges - no rolling surrenders. Contract Surrender Charges - no rolling surrender charges

Nursing Home to age 75 at issue No Cost Riders: __ Nursing Home After the first anniversary - 90 day confinement - Increase to 15% penalty-free Flexible Annuity Option withdrawals Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized Annuitization for at without least 5 penalty years. after 5th contract year. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 4.13% ages 76-79 Option A Year 1 3.00% on premiums 3.75% to 75 applied in years 2&3 2.25% 76-80 .50% on premiums in years 4-7 Option B Call office for trail commission details.

Chargeback in first year for death, surrenders, partial withdrawals, Chargeback RMDs for or death, cancellations. Alternate Annuitization Option III, or surrender 100% in the months first year. 1-6 100% 50% first months 6 months 7-12 50% months 7-12

100%

None

2.30%

None

5% Penalty Free Option - Low Band <$250,000

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

3.85%

None

100%

3.75%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office North American Freedom Choice 10 8/1/2013 *10% Penalty free option High Band 100% FPDA None 100%

3.65%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted in any amount $3MM 5% of the full accumulation value each year after first contract year.

10-Years: 9,9,8,7,6, 5,4,3,2,1 Contract Surrender Charges - no rolling surrenders.

North American

3.50%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 5 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 4.13% ages 76-79

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

3.60%

None

3.00% on premiums applied in years 2&3 .50% on premiums in years 4-7

100%

4.40% 2.05% S&P 2.00% NASDAQ (1.00% min) No Cap

None

100%

None

2.00%

None

10% Penalty Free Option - High Band $250,000+

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

4.00%

None

100%

3.90%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office North American Freedom Choice 10 8/1/2013 5% Penalty Free Option Low Band 100% None 100%

3.75%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted in any amount $3MM 10% of the full accumulation value each year after first contract year.

10-Years: 9,9,8,7,6,5,4,3,2,1 Contract Surrender Charges - no rolling surrenders.

North American

3.65%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 5 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 4.13% ages 76-79

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

3.70%

None

3.00% on premiums applied in years 2&3 .50% on premiums in years 4-7

100%

4.55% 2.10% S&P 2.05% NASDAQ (1.00% min) No Cap

None

100%

None

2.00%

None

10% Penalty Free Option - Low Band <$250,000

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

3.10%

None

100%

3.00%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

North American

45 days from the date the application is received in the home office

North American Freedom Choice 10 8/1/2013 10% Penalty Free Option low Band None

100%

2.90%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-79 Ongoing premiums accepted in any amount $3MM 10% of the full accumulation value each year after first contract year.

10-Years: 9,9,8,7,6, 5,4,3,2,1 Contract Surrender Charges - no rolling surrenders.

100%

2.80%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 5 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 4.13% ages 76-79

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

2.90%

None

3.00% on premiums applied in years 2&3 .50% on premiums in years 4-7

100%

3.50% 1.75% S&P 1.70% NASDAQ (1.00% min) No Cap

None

100%

None

1.60%

None

5% Penalty Free Option - High Band $250,000+

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

6.45%

None

100%

6.50%

None Full account value at the 14-Years: death of the owner or 9,9,9,9,8,8,7,7,6,6,5,4,3, annuitant. If there are 5% of the full 2 joint annuitants, the death accumulation value each benefit will be paid at the year after first contract Contract Surrender second death. If there year. Charges - no rolling are joint owners, the surrenders. death benefit will be paid out at the first death.

North American

45 days from the date the application is received in the home office

North American Freedom Choice 14 8/1/2013 *5% Penalty Free Option High Band FPDA None

100%

6.20%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-75 Ongoing premiums accepted in any amount $3MM

100%

5.90%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 3.50% on premiums applied in years 2-5 1.50% on premiums applied in years 6-10 0.50% on premiums applied in years 11-15

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

6.00%

None

100%

7.75% 3.00% S&P 2.80% NASDAQ (1.00% min) No Cap

None

100%

None

3.05%

None

For producer use only.

Revised 8/30/2013

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

5% Penalty Free Option - Low Band <$250,000

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

5.55%

None

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income,None which can be accessed after the 5th contract year. EWB Factor = 105%

100%

5.50%

None 10% each year after first year of total premiums 5% of thepaid full $1MM $3MM accumulation value each RMD penalty free if year after first contract taken in December or year. monthly throughout the year. Full account value at the death of the owner or Full account value at annuitant. If there death of owner, or are the joint annuitants, the death Enhanced Withdrawal benefit will be paid at the Benefit Value if taken second death. over a period of If atthere least are joint five owners, years. the death benefit will be paid out at the first death. No Cost Riders: Nursing Home Nursing Home to age 75 at issue Flexible Annuity Option __ Additional Cost Riders: After the first anniversary - 90 day confinement - Increase Flexible Withdrawal Benefit Rider to 15% penalty-free withdrawals Death Benefit Rider

Allianz North American

45 days from the date 60the days from dayis app application received inin home office received the home office

7/22/2013 8/1/2013

Includes a built-in income North rider.American Account Freedom value is Choice enhanced by14 a 10% premium bonus plus 105% *10% Penalty Free Option interest after 5th year. High Band Several income options available. All these benefits are without any cost to the client.

100%

5.30%

None 87.5% of premiums at 1.10% 87.5% @ 1.00% compounded annually $2,000 Q $10,000 $10,000 NQ Additional premium accepted Ongoing in premiums first yearaccepted in any amount

SPDA FPDA (Additional premiums accepted in first year.)

100%

5.10%

None

No Yes

0-80 0-75

6 years 14-Years: 8.5,8,7,6,5,4 9,9,9,9,8,8, 7,7,6,6,5,4,3,2 Contract Surrender Surrender Contract Charges Charges - no no rolling rolling surrender charges surrenders.

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitizationafter without Annuitization the penalty afteryear 5th 5th contract contract year. if without penalty annuitized for at least 10 years. Partial Annuitization is not allowed.

100%

5.20%

None

100%

6.65% 2.70% S&P 2.55% NASDAQ (1.00% min) No Cap

None

5.50% to age 75 on first year premiums Option A 3.50% Year on premiums 1 applied in years 3.75% to 75 2-5 2.25% 76-80 1.50% on premiums applied in years Option B 6-10for trail Call office commission details. 0.50% on premiums applied in years 11-15

Chargeback Chargeback in for first death, Alternate year for death, Annuitization Option surrenders, partial III, or surrender in the withdrawals, RMDs first year. or cancellations. 100% first 100% 6 months months 1-6 50% months 50% 7-12 months 7-12

100%

None

2.70%

None

10% Penalty Free Option - High Band $250,000+

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

5.50%

None

100%

5.45%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

North American

45 days from the date the application is received in the home office

North American Freedom Choice 14 8/1/2013 5% Penalty Free Option Low Band FPDA None

100%

5.25%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-75 Ongoing premiums accepted in any amount $3MM 10% of the full accumulation value each year after first contract year.

14-Years: 9,9,9,9,8,8, 7,7,6,6,5,4,3,2 Contract Surrender Charges - no rolling surrenders.

100%

5.05%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 3.50% on premiums applied in years 2-5 1.50% on premiums applied in years 6-10 0.50% on premiums applied in years 11-15

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

5.15%

None

100%

6.60% 2.65% S&P 2.55% NASDAQ (1.00% min) No Cap

None

100%

None

2.70%

None

10% Penalty Free Option - Low Band <$250,000

100%

Annual Pt-to-Pt (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Monthly Pt-to-Pt (S&P 500) Fixed Account

4.55%

None

100%

4.50%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

North American

45 days from the date the application is received in the home office

North American Freedom Choice 14 8/1/2013 10% Penalty Free Option Low Band FPDA None

100%

4.35%

None 87.5% of premiums at 1.10% compounded annually $2,000 Q $10,000 NQ 0-75 Ongoing premiums accepted in any amount $3MM 10% of the full accumulation value each year after first contract year.

14-Years: 9,9,9,9,8,8, 7,7,6,6,5,4,3,2 Contract Surrender Charges - no rolling surrenders.

100%

4.20%

None

Yes

Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized with a life contingency. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. Partial Annuitization is not allowed.

5.50% to age 75 on first year premiums 3.50% on premiums applied in years 2-5 1.50% on premiums applied in years 6-10 0.50% on premiums applied in years 11-15

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

4.30%

None

100%

5.35% 2.35% S&P 2.30% NASDAQ (1.00% min) No Cap

None

100%

None

2.30%

None

High Band $250,000+

70%

3 Yr. Monthly Average (S&P 500) Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) Inverse Performance Trigger (S&P 500) Monthly Average (DJIA) Annual Pt-to-Pt (DJIA) Monthly Average (S&P Midcap 400) Annual Pt-to-Pt (S&P Midcap 400) Annual Pt-to-Pt (Nasdaq 100) Monthly Pt-to-Pt (Nasdaq 100) Annual Pt-to-Pt (Afternoon London Gold Market Index Pricing)

No Cap

None

35%

No Cap%

None

100%

2.65%

None

100%

1.55%

None Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the 5% of the full second death. If there accumulation value each are joint owners, the 10-Years: year after first contract death benefit will be paid 10,10,10,10,10,9,8,6,4,2 year. out at the first death. *GLWB Bonus not applicable to the accumulation value so it is not included in the death benefit. GLWB Value is not available as a death benefit.

100%

2.40%

None

40% 45 days from the date the application is received in the home office North American Income Choice 10 Not Available in SC

No Cap

None 87.5% of premiums at 1.10% compounded annually

Annuitization after first contract year without penalty if annuitized with a life contingency. Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. GLWB feature of annuity will terminate upon electing an annuity payout option. 6.00% to age 75 4.50% ages 76-79 Renewal: 0.50% years 2-3

North American

8/1/2013

FPDA

5% GLWB Bonus based on premium received in the first five years

100%

2.45%

None No

40-79 (May Vary By State)

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

$50,000

$3MM

25%

No Cap

None

100%

2.35%

None

100%

2.35%

None

100%

1.40%

None

100%

2.60%

None

1.35%

Fixed Account

No Cap

None

Low Band <$250,000

60%

3 Yr. Monthly Average (S&P 500)

No Cap

None

For producer use only.

Revised 8/30/2013

5% of the full accumulation value each

Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the

Annuitization after first contract year without penalty if annuitized with a life contingency. Nursing Home Annuitization after the 6.00% to age 75 4.50% ages 76-79

Chargeback in first year for death, surrenders, partial withdrawals, RMDs

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

30%

Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) Inverse Performance Trigger (S&P 500) Monthly Average (DJIA) Annual Pt-to-Pt (DJIA) Monthly Average (S&P Midcap 400) Annual Pt-to-Pt (S&P Midcap 400) Annual Pt-to-Pt (Nasdaq 100) Monthly Pt-to-Pt (Nasdaq 100) Annual Pt-to-Pt (Afternoon London Gold Market Index Pricing)

No Cap%

None

100%

2.20%

None

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. 5% GLWB Bonus based EWB Factor = 105% on premium received in the first five years

100%

1.30%

None Full accumulation value at Full account value at or the death of the owner death of owner, or are the annuitant. If there Enhanced Withdrawal joint annuitants, the death RMD penalty free if Benefit Value if taken benefit will be paid at the Contract Surrender taken in of December over a period of If atthere least 5% the full or second death. Charges - no rolling monthly throughout the five owners, years. the accumulation value each are joint surrender charges 10-Years: year. year after first contract death benefit will be paid 10,10,10,10,10,9,8,6,4,2 year. out at the first death. 6 years 8.5,8,7,6,5,4 *GLWB Bonus not applicable to the accumulation value so it is not included in the death benefit. GLWB Value is not available as a death benefit. 10% each year after first year of total premiums paid No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Nursing Home to age 75 at issue Death Benefit __ Rider After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free. Option A Year 1 3.75% to 75 2.25% 76-80 Option B 75 6.00% to age Call office for trail 4.50% ages 76-79 commission details. Renewal: 0.50% years 2-3 Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. Chargeback in first year for death, 100% first surrenders, partial 6 months withdrawals, RMDs or cancellations. 50% months 7-12 100% months 1-6 50% months 7-12

Allianz

60 days from day app received in home office 45 days from the date the application is received in the home office

7/22/2013

North American

8/1/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. North American Income Choice 10 All these benefits are Not Available in without any cost to the SC client.

100%

2.05%

None $10,000

SPDA (Additional premiums accepted in first year.)

30%

No Cap

None

No

87.5% @ 1.00%

0-80

Additional premium accepted in first year

$1MM

100%

2.00%

None No

FPDA

87.5% of premiums at 1.10% compounded annually

40-79 (May Vary By State)

$50,000

$3MM

Annuitization after first contract year without Annuitization without penalty if annuitized penalty after 5th with a life contingency. contract year. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. GLWB feature of annuity will terminate upon electing an annuity payout option.

25%

No Cap

None

100%

2.00%

None

100%

2.00%

None

100%

1.10%

None

100%

2.10%

None

1.10%

Fixed Account

No Cap

None

Guaranteed LifetimeGuaranteed Lifetime Withdrawal Benefit: GLWB is used as the basis for calculating Lifetime Payment Amounts. A 5% GLWB Bonus applied to all premiums in the first five contract years. A GLWB Stacking Roll-Up Credit may be added to the GLWB Value during the first 20 contract years and it compounds annually. On each contract anniversary, the current GLWB Value may be increased by 5% of the GLWB Value plus the dollar amount of any interest credited to the Accumulation Value. * Roll-Up credit only applies if no withdrawals are taken in the contract year.

High Band $250,000+

90%

3 Yr. Monthly Average (S&P 500) Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) Inverse Performance Trigger (S&P 500) Monthly Average (DJIA) Annual Pt-to-Pt (DJIA) Monthly Average (S&P Midcap 400) Annual Pt-to-Pt (S&P Midcap 400) Annual Pt-to-Pt (Nasdaq 100) Monthly Pt-to-Pt (Nasdaq 100) Annual Pt-to-Pt (Afternoon London Gold Market Index Pricing)

No Cap

None

45%

No Cap

None

100%

3.40%

None

100%

1.85%

None Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the 5% of the full second death. If there accumulation value each 14-Years: are joint owners, the year after first contract 10,10,10,10,10,9,8,7,6,5, death benefit will be paid year. 4,3,2,1 out at the first death. *GLWB Bonus not applicable to the accumulation value so it is not included in the death benefit. GLWB Value is not available as a death benefit.

100%

3.05%

None

50% 45 days from the date the application is received in the home office North American Income Choice 14 Not Available in SC

No Cap

None 87.5% of premiums at 1.10% compounded annually

Annuitization after first contract year without penalty if annuitized with a life contingency. 7.00% to age 75 Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. GLWB feature of annuity will terminate upon electing an annuity payout option.

North American

8/1/2013

FPDA

5% GLWB Bonus based on premium received in the first five years

100%

3.25%

None No

40-75

$50,000

$3MM

Renewal: 2.50% years 2-5 0.50% years 6-10

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

35%

No Cap

None

100%

3.10%

None

100%

3.10%

None

100%

1.80%

None

100%

3.50%

None

1.70%

Fixed Account

No Cap

None

Low Band < $250,000

80%

3 Yr. Monthly Average (S&P 500) Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) Inverse Performance Trigger (S&P 500) Monthly Average (DJIA) Annual Pt-to-Pt (DJIA) Monthly Average (S&P Midcap 400) Annual Pt-to-Pt (S&P Midcap 400) Annual Pt-to-Pt (Nasdaq 100) Monthly Pt-to-Pt (Nasdaq 100) Annual Pt-to-Pt (Afternoon London Gold Market Index Pricing)

No Cap

None

40%

No Cap

None

100%

3.00%

None

100%

1.65%

None Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the 5% of the full second death. If there accumulation value each 14-Years: are joint owners, the year after first contract 10,10,10,10,10,9,8,7,6,5, death benefit will be paid year. 4,3,2,1 out at the first death. *GLWB Bonus not applicable to the accumulation value so it is not included in the death benefit. GLWB Value is not available as a death benefit.

100%

2.65%

None

40% 45 days from the date the application is received in the home office North American Income Choice 14 Not Available in SC

No Cap

None 87.5% of premiums at 1.10% compounded annually

Annuitization after first contract year without penalty if annuitized with a life contingency. 7.00% to age 75 Nursing Home to age 75 at issue __ After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free. Annuitization after the 5th contract year without penalty if annuitized for at least 10 years. GLWB feature of annuity will terminate upon electing an annuity payout option.

North American

8/1/2013

FPDA

5% GLWB Bonus based on premium received in the first five years

100%

2.80%

None No

40-75

$50,000

$3MM

Renewal: 2.50% years 2-5 0.50% years 6-10

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

30%

No Cap

None

100%

2.65%

None

100%

2.65%

None

100%

1.60%

None

100%

3.00%

None

1.50%

Fixed Account

No Cap

None

Guaranteed Lifetime Withdrawal Benefit: GLWB is used as the basis for calculating Lifetime Payment Amounts. A 5% GLWB Bonus applied to all premiums in the first five contract years. A GLWB Stacking Roll-Up Credit may be added to the GLWB Value during the first 20 contract years and it compounds annually. On each contract anniversary, the current GLWB Value may be increased by 5% of the GLWB Value plus the dollar amount of any interest credited to the Accumulation Value. * Roll-Up credit only applies if no withdrawals are taken in the contract year.

For producer use only.

Revised 8/30/2013

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

100%

Annual Pt-to-Pt (S&P 500) Monthly Pt to Pt (S&P 500) Inverse Performance Trigger** (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Monthly Pt to Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Annual Pt-to-Pt (Hang Seng) Fixed Account

3.05%

None

100%

1.70%

None

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. 9% on allFactor premiums for EWB = 105% 5 years

100%

2.75%

None 10% each year after first year of total premiums paid No Cost Riders: Nursing Home Flexible Annuity Option Option A Year 1 3.75% to 75 2.25% 76-80 Option B 75 6.00% to age for trail onCall firstoffice year premiums commission details. .50% on premiums applied in years 2&3 Chargeback for death, Alternate Annuitization Option III, or surrender in the Chargeback in first first year. year for death, surrenders, partial 100% first withdrawals, RMDs 6 months or cancellations. 50% months 100% 7-12 months 1-6 50% months 7-12

Allianz

60 days from day app received in home office 45 days from the date the application is received in the home office

7/22/2013

North American

8/1/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. North American Performance Choice 12 All thesePlus benefits are without any cost to the client.

100%

3.00%

None $10,000

SPDA (Additional premiums accepted in first year.) FPDA

100%

2.85%

None

No

100%

2.75%

None

Yes

87.5% @ 1.00% 87.5% of premiums at 1.10% compounded annually (Subject to change prior to policy issue)

0-80

Additional premium accepted in first year $2,000 Q $10,000 NQ Ongoing premiums accepted in any amount

$1MM

0-75

$3MM

100%

2.85%

None

6 years Full account value at 8.5,8,7,6,5,4 12-Years: death of owner, or the 10,10,10,10,10,9,8,7,6,5, Enhanced Full accountWithdrawal value at the 10% of the full 4,2 RMD penalty free if Benefit if taken death ofValue the owner or Contract Surrender accumulation value each taken in December or over a period of at least annuitant. If there are Charges - no rolling year after first contract Premium Bonus monthly throughout the five years. joint annuitants, the death surrender charges year. Recapture: year. benefit will be paid at the 100,95,90,85,80,70,60,5 second death. If there 0,40,30,20,10 are joint owners, the *Only allowed to make death benefit will be paid one withdrawal per year. Contract Surrender out at the first death. Charges - no rolling surrenders.

Additional Cost Riders: Nursing Home Flexibleto Withdrawal age 75 at Benefit issue Rider Annuitization after the __ 5th contract year Death Benefit Rider without penalty if After the first anniversary - 90 day confinement - 20% of the contract's Accumulation annuitized for at least 8 Value can be withdrawn penalty-free. years. Partial Annuitization is not allowed.

Annuitization after first contract year without Annuitization without penalty if after annuitized penalty 5th with contract a life contingency. year.

100%

1.65%

None

100%

3.45%

None

100%

3.15%

None

1.55%

No Cap

None

100%

Annual Pt-to-Pt (S&P 500) Monthly PT to PT (S&P 500) Inverse Performance Trigger** (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Monthly Pt to Pt (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Annual Pt-to-Pt (Hang Seng) Fixed Account

5.80%

None

100%

2.50%

None

100%

5.30%

None

100%

6.20%

None Full account value at the 10% of the full 12-Years: death of the owner or accumulation value each 10,10,10,10,10,9,8,7,6,5, annuitant. If there are year after first contract 4,2 joint annuitants, the death year. benefit will be paid at the Contract Surrender second death. If there Charges - no rolling are joint owners, the *Only allowed to make surrenders. death benefit will be paid one withdrawal per year. out at the first death.

100% 45 days from the date the application is received in the home office North American Performance Choice 12

5.35%

None

North American

8/1/2013

FPDA

None

100%

5.05%

None

Yes

87.5% of premiums at 1.10% compounded annually (Subject to change prior to policy issue)

$2,000 Q $10,000 NQ 0-75 Ongoing premiums accepted in any amount $3MM

100%

5.10%

None

Annuitization after the 5th contract year without penalty if After the first anniversary - 90 day confinement - 20% of the contract's Accumulation annuitized for at least 8 Value can be withdrawn penalty-free. years. Partial Annuitization is not allowed.

Nursing Home to age 75 at issue __

Annuitization after first contract year without penalty if annuitized with a life contingency. 6.00% to age 75 on first year premiums 0.50% on premiums applied in years 2&3

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

2.30%

None

100%

5.80%

None

100%

6.00%

None

2.55%

No Cap

None

100%

Annual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) Inverse Performance Trigger** (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Monthly Pt to PT (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Annual Pt-to-Pt (Hang Seng) Fixed Account

2.70%

None

100%

1.55%

None

100%

2.45%

None

100%

2.60%

None Full account value at the death of the owner or Premium Bonus annuitant. If there are Recapture: joint annuitants, the death 100,90,80,70,60,50,40,2 benefit will be paid at the 0 second death. If there are joint owners, the *Only allowed to make Contract Surrender death benefit will be paid one withdrawal per year. Charges - no rolling out at the first death. surrenders. 8-Years: 10,10,10,10,9,8,5,3

100% 45 days from the date the application is received in the home office North American Performance Choice 8 Plus 5% on all premiums for 5 years

2.45%

None

North American

8/1/2013

FPDA

100%

2.35%

None

Yes

87.5% of premiums at 1.10% compounded annually (Subject to change prior to policy issue)

$2,000 Q $10,000 NQ 0-85 Ongoing premiums accepted in any amount $3MM

10% of the full accumulation value each year after first contract year.

100%

2.45%

None

100%

1.50%

None

5.00% to age 75 3.75% ages 76-79 2.50% ages 80-85 on first year premiums Annuitization after the 5th contract year 0.50% on premiums without penalty if applied in years 2&3 After the first anniversary - 90 day confinement - 20% of the contract's Accumulation annuitized for at least 5 Value can be withdrawn penalty-free. years. (SC Commission reduced by 1.00) Partial Annuitization is not allowed. Nursing Home to age 75 at issue __

Annuitization after first contract year without penalty if annuitized with a life contingency.

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

3.00%

None

100%

2.70%

None

1.40%

No Cap

None

100%

Annual Pt-to-Pt (S&P 500) Monthly Pt-to Pt (S&P 500) Inverse Performance Trigger** (S&P 500) Annual Pt-to-Pt (Dow Jones) Annual Pt-to-Pt (S&P Mid Cap 400) Annual Pt-to-Pt (Russell 2000) Annual Pt-to-Pt (NASDAQ-100) Monthly PP (NASDAQ-100) Annual Pt-to-Pt (DJ Euro STOXX 50) Annual Pt-to-Pt (Hang Seng) Fixed Account

4.40%

None

100%

2.00%

None

100%

4.20%

None

100%

4.45%

None Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

100% 45 days from the date the application is received in the home office North American Performance Choice 8

4.05%

None

North American

8/1/2013

FPDA

None

100%

3.85%

None

Yes

87.5% of premiums at 1.10% compounded annually (Subject to change prior to policy issue)

$2,000 Q $10,000 NQ 0-85 Ongoing premiums accepted in any amount $3MM

10% of the full accumulation value each year after first contract year.

8-Years: 10,10,10,10,9,8,5,3 Contract Surrender Charges - no rolling surrenders.

100%

4.00%

None

*Only allowed to make one withdrawal per year.

Annuitization after the 5th contract year without penalty if After the first anniversary - 90 day confinement - 20% of the contract's Accumulation annuitized for at least 5 Value can be withdrawn penalty-free. years. Partial Annuitization is not allowed.

Nursing Home to age 75 at issue __

Annuitization after first contract year without penalty if annuitized with a life contingency.

5.00% to age 75 3.75% ages 76-79 2.50% ages 80-85 on first year premiums .50% on premiums applied in years 2&3 (SC Commission reduced by 1.00)

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

1.80%

None

100%

4.30%

None

100%

4.30%

None

2.00%

No Cap

None

For producer use only.

Revised 8/30/2013

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

35%

Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Biannual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) Inverse Performance Trigger (S&P 500) Monthly Average (DJIA) Annual Pt-to-Pt (DJIA) Monthly Average (S&P Midcap 400) Annual Pt-to-Pt (S&P Midcap 400) Annual Pt-to-Pt (Nasdaq 100) Monthly Pt-to-Pt (Nasdaq 100) Annual Pt-to-Pt (Afternoon London Gold Market Index Pricing)

No Cap

None

100%

2.55%

None

Endurance Elite 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105% 6% on all premiums in the first 5 contract years (Credited to the accumulation value)

100%

5.30%

None 10% each year after first year of total premiums paid $1MM RMD penalty free if taken in December or monthly throughout the year. 10% of the full accumulation value each year after first contract year. No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider Annuitization without penalty after 5th contract year. Annuitization after first contract year without penalty if annuitized with a life contingency. Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details. 6.50% to age 75 4.875% ages 76-79 Renewal: 2.00% years 2-3 0.50% years 4-9 Chargeback for death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months Chargeback in first year for death, 50% months surrenders, 7-12 partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client. Retire North American

100%

1.50%

None $10,000

SPDA (Additional premiums accepted in first year.)

6 years 8.5,8,7,6,5,4

100%

2.35%

None

No

87.5% @ 1.00%

0-80

Additional premium accepted in first year

40%

No Cap

None 87.5% of premiums at 1.10% compounded annually

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years. Full account value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

North American

45 days from the date the application is received in the home office

8/1/2013

100%

2.45%

None No

Choice 10 Not Available in SC

FPDA

0-79

$20,000

$3MM

10-Years: 10,10,9,9,8,8,7,6,4,2

25%

No Cap

None

Nursing Home to age 75 at issue Annuitization after the __ 5th contract year without penalty if After the first anniversary - 90 day confinement - 20% of the contract's Accumulation annuitized for at least 5 Value can be withdrawn penalty-free. years. Partial Annuitization is not allowed.

100%

2.30%

None

100%

2.35%

None

100%

1.40%

None

100%

2.60%

None

1.30%

Fixed Account

No Cap

None

40%

Monthly Average (S&P 500) Annual Pt-to-Pt (S&P 500) Biannual Pt-to-Pt (S&P 500) Monthly Pt-to-Pt (S&P 500) Inverse Performance Trigger (S&P 500) Monthly Average (DJIA) Annual Pt-to-Pt (DJIA) Monthly Average (S&P Midcap 400) Annual Pt-to-Pt (S&P Midcap 400) Annual Pt-to-Pt (Nasdaq 100) Monthly Pt-to-Pt (Nasdaq 100) Annual Pt-to-Pt (Afternoon London Gold Market Index Pricing) Fixed Account

No Cap

None

100%

3.10%

None

100%

6.60%

None

100%

1.75%

None

100%

2.80%

None Full account value at the 10% of the full death of the owner or accumulation value each 14-Years: annuitant. If there are year after first contract 10,10,10,10,10,9,8,7,6,5, joint annuitants, the death year. 4,3,2,1 benefit will be paid at the second death. If there are joint owners, the death benefit will be paid out at the first death.

45% 45 days from the date the application is received in the home office North American Retire Choice 14 Not Available in SC 11% on all premiums in the first 5 contract years (Credited to the accumulation value)

No Cap

None 87.5% of premiums at 1.10% compounded annually

North American

8/1/2013

FPDA

100%

3.00%

None

No

0-75

$20,000

$3MM

30%

No Cap

None

Annuitization after the 5th contract year without penalty if After the first anniversary - 90 day confinement - 20% of the contract's Accumulation annuitized for at least 5 Value can be withdrawn penalty-free. years. Partial Annuitization is not allowed.

Nursing Home to age 75 at issue __

Annuitization after first contract year without penalty if annuitized with a life contingency. 7.5% to age 75 Renewal: 3.00% years 2-5 1.30% years 6-10

Chargeback in first year for death, surrenders, partial withdrawals, RMDs or cancellations. 100% months 1-6 50% months 7-12

100%

2.85%

None

100%

2.85%

None

100%

1.70%

None

100%

3.25%

1.60%

No Cap Cmark: 3.00% CMarkPlus:2.50% Cmark IR: 2.75% min(1.00%) Cmark: 2.60% CMarkPlus:2.30% Cmark IR: 2.40% (1.00% min) Cmark: 2.25% CMarkPlus:1.75% Cmark IR: 2.00% (1.00% min.)

None

100%

Pt-to-Pt with cap (S&P 500)

None Multiplier Cmark:3.50 CMarkPlus: 3.00 Cmark IR:3.25 min (1) None Yes

NEW CommandMark Not Available in SC See quick ref sheet for details, including index methods & options 60 days from the date the application is received by the home office No Bonus Products: *10% compound annual roll-up *6-year roll-up period. Bonus Products: 6.50%compound annual roll-up 10-year roll-up period **Note an income rider must be elected with 5-yr 10-year product Command Mark 0% CommandMark Plus 7% 5-year product CommandMark IR 5% 100% Rising Interest Strategy 100% par

Command Mark 10-years 0-79 in NC 0-69, Inherited IRAs and Inherited Roth IRAs 0-85 many other states see ref. sheets 10% each year after first year $3,000 Q $15,000 NQ $1MM RMD available in the first year. Checkbook access** Command Mark IR: 5yrs. 12.50,11.50,10.50, 9.50,8.00, 12,12,12,11,10,9 8,7,6,5 Command Mark Plus 10-years 15,15,14,13,12, 0,9,8,7,6

Full account value paid at death Additional Charge Heritage Rider-enhanced death benefit equals the greater of 1.Contractual death benefit or Annuity value plus 50% of difference between income base & annuity value. Available only with election of income rider to issue ages 0-75

Confinement Waiver-

100%

Gold Strategy

PHL Variable Insurance Company

8/1/2013

SPDA

87.5% @ 1.00% 90% in NC see ref sheets for full details

Current Annual Rider Costs Income Rider only 0.95% Income Rider & Heritage Rider 1.15%

Cmark: 1.60% CMarkPlus:1.30% Cmark IR: 1.50% (0% min)

Command Mark 9.00% 0-75 100% Chargeback in 6.75% 76-80 first 12 months for 4.50% 81-85 full surrenders. See quick Ref. sheet Death is charged for Income Command CommandMarkPlus Lt SC back based on a Rider 2.0 Enhanced & 7% 0-75 declining schedule Income Command 5.25% 76-80 for the first 12 Rider 2.0 (both provide 3.50% 81-85 months guarantee income without Annuitization) see details

Can annuitize for full account value at any time including the first contract year.

Fixed Account

No Cap

None

100%

Pt-to-Pt with Cap (S&P 500)

2.75% LT (1.00% min) Plus LT:2.25% IR LT: 2.50% 2.40%LT (1.00% min) plus LT 2.00% IR LT: 2.30% 2.00% LT (1.00% min.) Plus LT: 1.50% IR LT: 1.75%

None CommandMark LT 8.50% 0-75 6.38% 76-80 100% Chargeback in 4.25% 81-85 first 12 months for Full account value paid at full surrenders. Confinement WaiverSee quick Ref. sheet CommandMark IR LT: death Death is charged Checkbook access**for Income Command 4.50% 0-75 back based on a Optional Income Command Rider with 10% compound roll-up. (Annual cost - 0.95%) Rider 2.0 Enhanced & 3.38% 76-80 IR LT: declining schedule Income Command 2.25% 81-85 9.00,8.25,7.25,6.50,5.50, for the first 12 Rider 2.0 (both provide 0% months guarantee income CommandMark Plus LT: without Annuitization) 7.00% 0-75 see details 5.25% 76-80 3.50% 81-85 CommandMark LT & Plus LT 9.00,8.25,7.25,6.505.50, 4.50,3.75,2.75,1.75,.75, Can annuitize for full account value at any time including the first contract year.

PHL Variable Insurance Company

60 days from the date the application is received by the home office

8/1/2013

CommandMark LT CommandMark Plus LT, CommandMark IR LT: available in SC

10-year product Command Mark LT 0% CommandMark Plus LT 5% 5-year product CommandMark IR LT 4%

100%

Rising Interest Strategy

Multiplier 3.25LT plus LT 2.70 IR LT: 3.00 Yes None

0-85 87.5% @ 1.00% 90% in NC see ref sheets for full details 0-79 in NC 0-69, Inherited IRAs and Inherited Roth IRAs $3,000 Q $15,000 NQ $1MM 10% each year after first year RMD available in the first year. Checkbook access**

SPDA

100%

Gold Strategy

*** products are subject to change pls. call for details.

1.50%LT (0% min) LT: 1.20% IR LT: 1.30%

Fixed Account

No Cap

None

*In NC, the minimum guaranteed surrender value equals 90% of the premium payment received, minus withdrawals and any rider charges as they occur, all accumulated at the minimum guaranteed interest rate for the life of the contract. **Checkbook Access - Draft must be a minimum of $500 and made payable to the Owner's bank. Drafts are limited to four per year. Available only to individual U.S. residents and to traditional IRA and nonqualified contracts. ***If contract is surrendered during surrender charge period, any surrender charges that were not assessed in the previous 12 months under the contract's penalty-free withdrawals provision will be charged. **Checkbook Access - Draft must be a minimum of $500 and made payable to the Owner's bank. Drafts are limited to four per year. available only to individual U.S. residents and to traditional IRA and nonqualified contracts. ***If contract is surrendered during surrender charge period, any surrender charges that were not assessed in the previous 12 months under the contract's penalty-free withdrawals provision will be charged.

For producer use only.

Revised 8/30/2013

Carrier & Rate Lock

Rate Lock Period

Rate Effective Date

Product Name

SPDA or FPDA

Cash Bonus

Rates Current/ Guaranteed

Index Method

Caps

Fees/ Margins

MVA

Minimum Contractual Guarantee

Issue Ages

Minimum Premium

Maximum Premium

Liquidity Options

Surrender Charges

Death Benefit

Waivers

Annuitization Options

MGA Commission

Commission Chargeback Rules

100%

Monthly Average (S&P 500)

4.30% (2.00% min)

None 10% of premium in the first year, 10% of annuity value each year after first year. Lump sum. Monthly withdrawals up to 10% 10% each available year after from the first fixed yearaccount. of total premiums paid RMD penalty free if taken in December or monthly throughout the year. 10% of premium in the first year, 10% of annuity value each year after first year. Lump sum. Monthly withdrawals up to 10% available from the fixed account. Nursing Home Provides for free withdrawals up to 25% of contract value. Available to age 75 at issue.

Can annuitize for full account value after five years. If policy is still in surrender charge period, annuitize for at least 6 years to avoid annuitizing at surrender value. Annuitization without penalty after 5th contract year. 4.00% to 80 2.40% 81-85 Option A Year 1 3.75% to 75 2.25% 76-80 Option B Call office for trail commission details.

Reliance Standard

45 days from the date the transfer paperwork is sent by the home office

6/25/2013

Endurance KeystoneElite 5

SPDA

none 100% 10% credited to the Enhanced Withdrawal Benefit for the purposes of lifetime income, which can be accessed after the 5th contract year. EWB Factor = 105%

Annual Pt-to-Pt (S&P 500)

3.80% (2.00% min)

No None

87.5% of any additional premiums @ 1.00%

$10,000 0-85 (minimum of $5,000 per strategy)

500K without large case questionnaire

5 years 9, 8, 7, 6,5

100% first 6 months 50% months Chargeback for 7-12 death, Alternate Annuitization Option III, or surrender in the first year. 100% first 6 months 50% months 7-12 100% first 6 months 50% months 7-12

Full account value

Allianz

60 days from day app received in home office

7/22/2013

Includes a built-in income rider. Account value is enhanced by a 10% premium bonus plus 105% interest after 5th year. Several income options available. All these benefits are without any cost to the client.

SPDA (Additional premiums accepted in first year.)

2.10% (1.00% min)

$10,000 Fixed Account No Cap None No 87.5% @ 1.00% 0-80 Additional premium accepted in first year $1MM

6 years 8.5,8,7,6,5,4

100%

Monthly Average (S&P 500)

4.55% (2.00% min)

Contract Surrender Charges - no rolling surrender charges

Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken over a period of at least five years.

Terminal Illness No Cost Riders: Nursing Home Flexible Annuity Option Additional Cost Riders: Flexible Withdrawal Benefit Rider Death Benefit Rider

None

Reliance Standard

45 days from the date the transfer paperwork is sent by the home office

6/25/2013

Keystone 7

SPDA

none

100%

Annual Pt-to-Pt (S&P 500)

4.05% (2.00% min)

None

No

87.5% of any additional premiums @ 1.00%

$10,000 0-85 (minimum of $5,000 per strategy)

500K without large case questionnaire

7 years 9, 8, 7, 6,5,4,3

Full account value

Nursing Home Provides for free withdrawals up to 25% of contract value. Available to age 75 at issue.

Can annuitize for full account value after five years. If policy is still in surrender charge period, annuitize for at least 6 years to avoid annuitizing at surrender value. 5.00% to 80 3.00% 81-85

Terminal Illness

2.15% (1.00% min)

Fixed Account

No Cap

None

100%

Monthly Average (S&P 500)

4.80% (2.00% min)

None

Reliance Standard

45 days from the date the transfer paperwork is sent by the home office

6/25/2013

Keystone 10

SPDA

none

100%

Annual Pt-to-Pt (S&P 500)

4.30% (2.00% min)

None

No

87.5% of any additional premiums @ 1.00%

$10,000 0-80 (minimum of $5,000 per strategy)

500K without large case questionnaire

10% of premium in the first year, 10% of annuity value each year after first year. Lump sum. Monthly withdrawals up to 10% available from the fixed account.

10 years 9, 9, 8, 7, 6,5,4,3,2,1

Full account value

Nursing Home Provides for free withdrawals up to 25% of contract value. Available to age 75 at issue.

Can annuitize for full account value after five years. If policy is still in surrender charge period, annuitize for at least 6 years to avoid annuitizing at surrender value. 6.00% to 80 4.00% 81-85

100% first 6 months 50% months 7-12

Terminal Illness

2.20% (1.00% min)

Fixed Account

No Cap

None

Reliance Standard Notes: Contract Owner must also be the annuitant for all annuity applications except in situations where the Contract Owner is a Trust, Corporation or other Non-Natural entity. In addition, Joint Owners must also be designated as Joint Annuitants.

1.50% (1.00% min)

Fixed Account

No Cap

None

Sagicor Life

60 days from the date the application is received by the home office

100% 5/1/2013 Platinum Series Sage Advantage SPDA 5%

Annual Pt-to-Pt (S&P 500)

4.00% (4.00% min)

None No 100% @ 2% through year 13, and 3% from years 14+ 15 days85 years $2,000

20% (20% minimum)

Annual Pt-toPt Global Advantage Strategy Utilizes the best of the Russell 2000, EUROSTOXX 50, & Hang Seng Indices (4)

greater than 500K requires home office approval

(1) (2) (3) 10% each year after the first year, cumulative to 50%.

Confinement Waiver 9 years: 8,8,8,8,7,6,5,3,1 Full Account Value at death of owner Nursing Home Waiver

You can annuitize at 100% months 1-6 for accumulation value at Temporary Commission accidental deaths the end of the first year Cut of .50% & with a minimum payout New Commissions: 50% months option of 10 years. 4.50% 0-75 7-12 (Payouts less than 10 2.00% 76-85 years would be at surrender value)

No Cap

None

SAGICOR NOTES: (1) For added convenience, a checkbook style form is available with the issuance of this contract. (2) Beginning the second year and each year thereafter, the Owner may withdraw up to 10% of the Account Value without Surrender Charges. RMDs that exceed the 10% are also penalty-free. Any portion of the free partial withdrawal not used in any given year will be carried over to the next year. Carry over amounts will continue to accumulate until the Free Partial Withdrawal reaches a maximum of 50% where it will remain until a withdrawal is taken. In any year the partial withdrawal reaches 50%, the maximum of additional accumulation in the next year will be the lesser of the percentage of withdrawal taken and 10%. (3) The Contract provides a guaranteed withdrawal benefit provision beginning in the 13th contract year. This means the Owner may withdraw 10% of the initial deposit from the beginning-of-the-year account value starting in the 11th year for up to 20 years, (providing no withdrawals have been taken) regardless of actual interest credited to the Contract. The withdrawal benefit is also cumulative. See contract for details. (4) This is a 1-year point-to-point indexed strategy that utilized a "basket" of indices, as indicated above. Interest is credited at the end of each year. The Indexed Interest Rate is calculated using 60% of the return of the best-performing index, plus 40% of the return of the second best-performing index, and is submit to a participation rate and cap, as stated above. The worse-performing index is not used when determining the Indexed Interest Rate. This strategy provides an opportunity to benefit from globally diversified indices that do not necessarily move in the same direction at the same time.

For producer use only.

Revised 8/30/2013

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Rate First Year Rate Effective Date

Guaranteed Rate Years 2+ unless indicated otherwise

Average Yield

MGA Commission & Maximum Issue Ages

NSS Life

N/R 1 year

Preferred Choice
($25,000 max premium per client)

$2,000

01/02/13

1.00% 2.10% 2.00% 2.00% 2.00% 1.40% 1.20% 1.15% 0.90% 2.35% 2.25% 2.92% 1.65% 2.41% 1.40% 1.40% 2.00% 1.40%

1.00% 2.10% 2.00% 2.00% 2.00% 1.40% 1.20% 1.15% 0.90% 2.35% 2.25% 1.40% 1.65% 1.40% 1.40% 1.40% 1.00% 1.15%

30 day window after 1st contract year years 2-3 years 2-3 years 2-3 years 2-3 years 1-3 years 2-3 years 1-3 years 1-3 years 2-4 years 2-4 years 2-4 years 2-4 years 2-4 years 2-4 years 2-4 years 2-4 years 2-4

1.00% 2.10% 2.00% 2.00% 2.00% 1.40% 1.20% 1.15% 0.90% 2.35% 2.25% 1.78% 1.65% 1.65% 1.52% 1.40% 1.25% 1.21%

0.50% unlimited issue ages

Guggenheim NSS Life Guggenheim Equitrust Life North American

B++ 3 years N/R 3 years B++ 3 years B++ 3 years A+ 3 years

Preserve Multi-Year Guaranteed Annuity Optimum 3

($25,000 max premium per client)

$250,000+ $2,000 $5,000 Q, $10,000 NQ to $249,999 $10,000 $200,000 $5,000 NQ, $2,000 Q $2,000 Q, $10,000 NQ to $199,999 $5,000 $250,000 $5,000 Q, $10,000 NQ to $249,999 $100,000 $200,000 $50,000 - $99,000 $5,000 - $49,999 $2,000 Q, $10,000 NQ to $199,999 $20,000 $100,000

08/01/13 01/02/13 08/01/13 07/17/13 08/01/13 07/01/13 08/01/13 08/15/13 08/01/13 08/01/13 08/15/13 08/01/13 08/15/13 08/15/13 08/01/13 07/31/13 08/15/13

1.00% to 80, 0.75% 81-85, .50% 86-90 1% unlimited issue ages 1.00% to 80, 0.75% 81-85, .50% 86-90 2.00% 0-80, 1.50% 81-90 1.50 % to 80, 1.125% 81-85, .75% 86-90 1.50% to 79, 0.75% 80-90 1.50% to 80, 1.125% 81-85, .75% 86-90 *Updated Commissions Coming Soon 1.75% to 80, 1.31% 81-85, .88% 86-90 1.75% to 80, 1.31% 81-85, .88% 86-90 *Updated Commissions Coming Soon 2.00% to 80, 1.50% 81-85, 1.00% 86-90 *Updated Commissions Coming Soon *Updated Commissions Coming Soon 2.00% to 80, 1.50% 81-85, 1.00% 86-90 2.00% to 79, .50% 80-86 *Updated Commissions Coming Soon

Preserve Multi-Year Guaranteed Annuity Certainty Select Guarantee Choice 3 FG Guarantee-Platinum 3 Guarantee Choice 3 Select Series Annuity Preserve Multi-Year Guaranteed Annuity Preserve Multi-Year Guaranteed Annuity Select Series Annuity
(1st year includes a 1.50% premium credit)

F&G Life North American Principal Guggenheim Guggenheim Principal North American Principal Principal North American Integrity Life Principal

B++ 3 years A+ A+ 3 years 3 years

B++ 4 years B++ 4 years A+ A+ A+ A+ A+ A+ A+ 4 years 4 years 4 years 4 years 4 years 4 years 4 years

Guarantee Choice 4 Select Series Annuity

Select Series Annuity Guarantee Choice 4 MultiVantage 4 Secure Fixed Annuity

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Principal Sentinel Security Athene Annuity Guggenheim

A+

4 years

Secure Fixed Annuity Personal Choice 5 (Ask us about liquidity options.) MaxRate 5
Not available in TN & other states. Lower rate in FL. Enhanced Liquidity feature 2.30%

$5,000 - $99,000 $2,500 $5,000 $250,000

08/15/13 05/22/13 07/30/13 08/01/13

1.15% 2.85% 2.85% 2.80% 2.75%

1.15% 2.85% 2.85% 2.80% 2.75%

years 2-4 years 2-5 years 2-5 years 2-5

1.15% 2.85% 2.85% 2.80% 2.75%

*Updated Commissions Coming Soon 2.25% to 80, 1.50% 81-90 2.25% to 75, 1.50% 76-80 2.50% to 80, 1.88% 81-85, 1.25% 86-90

B++ 5 years B++ 5 years B++ 5 years

Preserve Multi-Year Guaranteed Annuity Income Protector

Oxford Life

B++ 5 year

featuring an income rider with a 7.50% roll-up interest rate ($250,000 maximum premium)

$25,000 - $350,000

08/01/13

years 2-5

3.00% to 75, 2.00% 76-80

Guggenheim Equitrust Life American Equity

B++ 5 years B++ 5 years A5 years

Preserve Multi-Year Guaranteed Annuity Certainty Select

$5,000 Q, $10,000 NQ to $249,999 $10,000 $10,000

08/01/13 07/17/13 08/01/13

2.70% 2.70% 2.60%

2.70% 2.70% 2.60%

years 2-5 years 2-5 years 2-5

2.70% 2.70% 2.60%

2.50% to 80, 1.88% 81-85, 1.25% 86-90 3.00% 0-80, 2.25% 81-90 3.00% to 75, 2.00% 76-80

Guarantee 5

Genworth

5 years

SecureLiving Liberty
(6-yr surr - 1.85% bail out)

$250,000

07/31/13

2.55%

1.65%

years 2-5

2.60%

3.00% to 75, 1.95% 76-80, 1.05% 81-85

Reliance Standard North American Genworth Oxford Life North American Genworth NSS Life

A A+ A

5 years 5 years 5 years

Eleos MVA SPDA Guarantee Choice 5 SecureLiving Liberty

(6-yr surr - 1.30% bail out)

$10,000 $200,000 $100,000 - $249,999 $10,000 - $24,999 $2,000 Q, $10,000 NQ to $199,999 $250,000 $10,000 $5,000 NQ, $2,000 Q $5,000 NQ, $2,000 Q $99,999

06/25/13 08/01/13 07/31/13 08/01/13 08/01/13 07/31/13 01/02/13 08/01/13 07/31/13

3.30% 2.50% 2.40% 2.25% 2.25% 2.20% 3.00% 3.00% 2.00%

2.30% 2.50% 1.65% 2.25% 2.25% 2.20% 2.00% 2.00% 1.65%

base rate years 2-5 (1% min) years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5

2.50% 2.50% 2.47% 2.25% 2.25% 2.20% 2.20% 2.20% 2.14%

3.25% to 75, 2.60% 76-80, 1.95% 81-85 2.50% to 80, 1.88% 81-85, 1.25% 86-90 3.00% to 75, 1.95% 76-80, 1.05% 81-85 3.00% to 75, 2.00% 76-80 2.50% to 80, 1.88% 81-85, 1.25% 86-90 2.00% to 75, 1.35% 76-80, .70% 81-85 2.75% to 79, 1.00% 80+ 2.50% to 79, 1.25% 80-90 3.00% to 75, 1.95% 76-80, 1.05% 81-85

Income Protector B++ 5 years A+ A 5 years 5 years

featuring an income rider with a 7% roll-up interest rate ($250,000 maximum premium)

Guarantee Choice 5 SecureLiving Rate Saver 5 Preferred 5

$100,000 maximum premium per client

N/R 5 years B++ 5 years A 5 years

F&G Life Genworth

FG Guarantee-Plus 5 SecureLiving Liberty

(6-yr surr - 1.85% bail out)

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Genworth

5 years

SecureLiving Rate Saver 5 FG Guarantee-Plat 5

(All states except NC, CT,OK)

$100,000 - $249,999 $5,000 NQ, $2,000 Q $5,000 NQ, $2,000 Q $25,000 - $99,999 $5,000 $100,000 $3,000 $5,000 - $99,999 $20,000 $25,000 $100,000 $10,000 - $99,999 $10,000 $250,000 $5,000 Q, $10,000 NQ to $249,999 $100,000 $200,000 $5,000 $50,000 - $99,999

07/31/13 08/01/13 08/01/13 07/31/13 08/12/13 08/01/13 07/31/13 08/01/13 07/31/13 02/12/12 07/01/13 07/01/13 07/17/13 08/01/13 08/01/13 08/15/13 08/01/13 05/01/13 08/15/13

2.10% 2.10% 1.95% 1.90% 2.05% 2.50% 2.50% 2.40% 2.40% 1.50% 1.20% 1.05% 3.00% 3.00% 2.90% 3.98% 2.25% 2.50% 2.91%

2.10% 2.10% 1.95% 1.90% 2.05% 1.50% 1.50% 1.40% 1.40% 1.50% 1.20% 1.05% 3.00% 3.00% 2.90% 1.95% 2.25% 2.00% 1.90%

years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-5 years 2-6 years 2-6 years 2-6 years 2-6 years 2-6 minimum years 2-6 minimum years 2-6

2.10% 2.10% 1.95% 1.90% 2.05% 1.70% 1.70% 1.60% 1.60% 1.50% 1.20% 1.05% 3.00% 3.00% 2.90% 2.29% 2.25% 2.08% 2.07%

2.00% to 75, 1.35% 76-80, .70% 81-85 2.50% to 79, 1.25% 80-90 2.50% to 79, 1.25% 80-90 2.00% to 75, 1.35% 76-80, .70% 81-85 2.20% to 80, 1.70% 81-85 2.50% to 79, 0.05% 80-85 4.00% to 79, 2.00% 80-85 2.50% to 79, 0.50% 80-85 2.50% to 79, .50% 80-86 3.00% to 75, 2.00% 76-80, 1.00% 81-85 1.90% to 75, 1.20% 76-80, 0.65% 81-85 1.90% to 75, 1.20% 76-80, 0.65% 81-85 3.00% 0-80, 2.25% 81-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90 *Updated Commissions Coming Soon 2.50% to 80, 1.88% 81-85, 1.25% 86-90 3.00% to 80, 1% 81-90

F&G Life F&G Life Genworth American General American National Integrity Life American National Integrity Life

B++ 5 years B++ 5 years A A A A+ A A+ A A+ A+ 5 years 5 years 5 years 5 years 5 years 5 years 5 years 5 years 5 years

FG Guarantee-Platinum 5
(NC, CT, & OK only)

SecureLiving Rate Saver 5 HorizonSelect 5 Palladium MYG 5 SPDA II Series

(5-yr rate; 7-yr surrender period)

Palladium MYG 5 MultiVantage 5 Dominator Plus

Allianz Life Lincoln Financial Lincoln Financial Equitrust Life Guggenheim Guggenheim Principal North American

MYGuarantee Plus 5 MYGuarantee Plus 5 Certainty Select Preserve Multi-Year Guaranteed Annuity Preserve Multi-Year Guaranteed Annuity Select Series Annuity
(1st yr rate include 2.00% prem bonus; 1.55%)

B++ 6 years B++ 6 years B++ 6 years A+ A+ AA+ 6 years 6 years 6 years 6 years

Guarantee Choice 6 Gold Series Sage Choice

(2% minimum guarantee)

Sagicor Life Principal

Select Series Annuity

(1st yr rate include 1% prem bonus; 1.50% base)

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North American American General American National Principal American National Principal Principal Lincoln Financial Lincoln Financial Guggenheim Athene Annuity Sentinel Security Guggenheim American Equity Genworth Genworth American National

A+ A A A+ A A+ A+ A+ A+

6 years 6 years 6 years 6 years 6 years 6 years 6 years 6 years 6 years

Guarantee Choice 6 Horizon Achiever Palladium MYG 6 Select Series Annuity Palladium MYG 6 Secure Fixed Annuity Secure Fixed Annuity

$2,000 Q, $10,000 NQ to $199,999 $5,000 $100,000 $5,000 - $49,999 $5,000 - $99,999 $100,000 $50,000 - $99,999 $100,000 $10,000 - $99,999 $250,000 $5,000 $2,500 $5,000 Q, $10,000 NQ to $249,999 $10,000 $250,000 $100,000 - $249,999 $100,000 $5,000 NQ, $2,000 Q $5,000 NQ, $2,000 Q

08/01/13 08/12/13 08/01/13 08/15/13 08/01/13 815/13 08/15/13 07/01/13 07/01/13 08/01/13 07/30/13 05/22/13 07/01/13 08/01/13 07/31/13 07/31/13 08/01/13 08/01/13 08/01/13

2.00% 2.05% 1.90% 1.80% 1.80% 3.47% 2.46% 1.30% 1.15% 3.30% 3.25% 3.20% 3.20% 3.00% 2.85% 2.75% 3.50% 3.50% 2.60%

2.00% 2.05% 1.90% 1.80% 1.80% 1.45% 1.45% 1.30% 1.15% 3.30% 3.25% 3.20% 3.20% 3.00% 2.85% 2.75% 2.50% 2.50% 2.60%

years 2-6 years 2-6 years 2-6 years 2-6 years 2-6 years 2-6 years 2-6 years 2-6 years 2-6 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7

2.00% 2.05% 1.90% 1.80% 1.80% 1.78% 1.62% 1.30% 1.15% 3.30% 3.25% 3.20% 3.20% 3.00% 2.85% 2.75% 2.64% 2.64% 2.60%

2.50% to 80, 1.88% 81-85, 1.25% 86-90 3.00% 0-80, 2.00% 81-85 2.50% to 79, .50% 80-85 *Updated Commissions Coming Soon 2.50% to 79, .50% 80-85 *Updated Commissions Coming Soon *Updated Commissions Coming Soon 2.50% to 79, .50% 80-85 3.00% to 80, 1.00% 81-90 2.50% to 80. 1.88% 81-85.1.25%86-90 2.50% to 75, 1.70% 76-80 2.25% to 80, 1.50% 81-90 2.50% to 80. 1.88% 81-85.1.25%86-90 2.50% to 75, 1.50% 76-80 2.75% to 75, 2.15% 76-80, 1.50% 81-85 2.75% to 75, 2.15% 76-80, 1.50% 81-85 2.50% to 79, .50% 80-85 3.25% to 79, 1.625% 80-90 3.25% to 79, 1.625% 80-90

MYGuarantee Plus 6 MYGuarantee Plus 6 Preserve Multi-Year Guaranteed Annuity MaxRate 7

B++ 7 years B++ 7 years B++ 7 years B++ 7 years AA A A 7 years 7 years 7 years 7 years

Not avail. in TN & other states. FL lower rate. Enhanced Liquidity lover rate 2.75%

Personal Choice (Ask us about liquidity options.) Preserve Multi-Year Guaranteed Annuity

Guarantee 7 SecureLiving Rate Saver 7 SecureLiving Rate Saver 7 Palladium MYG 7 FG Guarantee-Plus7 FG Guarantee Platinum 7

F&G Life F&G Life

B++ 7 years B++ 7 years

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Average Yield

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Genworth American National North American Integrity Life North American American General Western National Western National Integrity Life ING USA Lincoln Financial ING USA Integrity Life Lincoln Financial Guggenheim Guggenheim Equitrust Life North American American National

A A A+ A+ A+ A A A A+ A A+ A A+ A+

7 years 7 years 7 years 7 years 7 years 7 years 7 years 7 years 7 years 7 years 7 years 7 years 7 years 7 years

SecureLiving Rate Saver 7 Palladium MYG 7 Guarantee Choice 7 MultVantage 7 Guarantee Choice 7

$25,000 - $99,999 $5,000 - $99,999 $200,000 $20,000 $2,000 Q, $10,000 NQ to $199,999 $5,000 $100,000 $5,000 NQ, $2,000 Q to $99,999 $5,000 NQ, $2,000 Q $75,000 $100,000 $15,000 - $74,999 $3,000 NQ/Q $10,000 - $99,999 $250,000 $5,000 Q, $10,000 NQ to $249,999 $10,000 $200,000 $100,000

07/31/13 08/01/13 08/01/13 07/31/13 08/01/13 08/12/13 08/19/13 08/19/13 07/31/13 07/17/13 07/01/13 07/17/13 07/31/13 07/01/13 08/01/13 07/01/13 07/17/13 08/01/13 08/01/13

2.55% 3.40% 2.50% 3.25% 2.30% 2.25% 2.15% 2.15% 2.65% 2.50% 1.55% 1.50% 2.30% 1.40% 3.40% 3.30% 3.15% 2.75% 2.70%

2.55% 2.40% 2.50% 2.25% 2.30% 2.25% 2.15% 2.15% 1.90% 1.50% 1.55% 1.50% 1.30% 1.40% 3.40% 3.30% 3.15% 2.75% 2.70%

years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-7 years 2-8 years 2-8 years 2-8 years 2-8 years 2-8

2.55% 2.54% 2.50% 2.39% 2.30% 2.25% 2.15% 2.15% 2.00% 1.64% 1.55% 1.50% 1.44% 1.40% 3.40% 3.30% 3.15% 2.75% 2.70%

2.75% to 75, 2.15% 76-80, 1.50% 81-85 2.50% to 79, .50% 80-85 2.50% to 80. 1.88% 81-85.1.25%86-90 3.00% to 79, 1.00% 80-85 2.50% to 80. 1.88% 81-85.1.25%86-90 3.50% 0-80, 2.50% 81-85 3.00% to 85, 1.50% 86-90 3.00% to 85, 1.50% 86-90 5.00% to 79, 3.00% 80-85 2.50% to 80, call office for trail options 2.40% to 75, 1.50% 76-80, 0.90% 81-85 2.50% to 80, call office for trail options 4.00% to 79, 2.00% 80-85 2.40% to 75, 1.50% 76-80, 0.90% 81-85 2.50% to 80, 1.88% 81-85, 1.25% 86-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90 3.00% 0-80, 2.25% 81-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90 2.50% to 79, .50% 80-85

HorizonSelect 7 Western National 7 Western National 7 New Momentum 7

ING Guarantee Choice 7 MYGuarantee Plus 7 ING Guarantee Choice 7 SPDA II Series (not available in SC) MYGuarantee Plus 7 Preserve Multi-Year Guaranteed Annuity Preserve Multi-Year Guaranteed Annuity Certainty Select Guarantee Choice 8 Palladium MYG 8

B++ 8 years B++ 8 years B++ 8 years A+ A 8 years 8 years

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MGA Commission & Maximum Issue Ages

American National North American NSS Life Lincoln Financial Lincoln Financial Guggenheim Guggenheim North American North American American National American General American National North American Principal

A A+

8 years 8 years

Palladium MYG 8 Guarantee Choice 8 Preferred 8

$100,000 max premium per client

$5,000 - $99,999 $2,000 Q, $10,000 NQ to $199,999 $10,000 $100,000 $10,000 - $99,999 $250,000 $5,000 Q, $10,000 NQ to $249,999 $200,000 $2,000 Q, $10,000 NQ to $199,999 $100,000 $5,000 $5,000 - $99,999 $10,000 NQ, $2,000 Q $100,000 $100,000 $5,000 - $99,999 $10,000 - $99,999 $250,000 $200,000

08/01/13 08/01/13 01/02/13 07/01/13 07/01/13 07/01/13 07/01/13 08/01/13 08/01/13 08/01/13 08/12/13 08/01/13 08/01/13 08/15/13 05/08/13 08/15/13 07/01/13 07/01/13 08/01/13

2.60% 2.55% 3.50% 1.60% 1.45% 3.50% 3.40% 3.00% 2.75% 4.50% 6.05% 4.10% 4.50% 1.70% 1.65% 1.55% 1.50% 3.60% 3.50%

2.60% 2.55% 2.00% 1.60% 1.45% 3.50% 3.40% 3.00% 2.75% 2.50% 2.05% 2.10% 1.50% 1.70% 1.65% 1.55% 1.50% 3.60% 3.50%

years 2-8 years 2-8 minimum years 2-8 years 2-8 years 2-8 years 2-9 years 2-9 years 2-9 years 2-9 years 2-9 years 2-6 years 2-9 years 2-5 years 2-9 years 2-9 years 2-9 years 2-9 years 2-10 years 2-10

2.60% 2.55% 2.19% 1.60% 1.45% 3.50% 3.40% 3.00% 2.75% 2.72% 2.72% 2.32% 1.83% 1.70% 1.65% 1.55% 1.50% 3.60% 3.50%

2.50% to 79, .50% 80-85 2.50% to 80, 1.88% 81-85, 1.25% 86-90 2.75% to 79, 1.00% ages 80+ (.25% commission bonus 1/1/13-3/31/13 2.40% to 75, 1.50% 76-80, 0.90% 81-85 2.40% to 75, 1.50% 76-80, 0.90% 81-85 2.50% to 80, 1.88% 81-85, 1.25% 86-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90 3.00% to 79, 1.00% 80-85 2.75% to 75, 1.70% 76-80, 1.20% 81-85 3.00% to 79, 1.00% 80-85 5.50% to 80, 4.13% 81-85 (.50% yrs 2-5) *Updated Commissions Coming Soon 2.40% to 75, 1.50% 76-80, 0.90% 81-85 *Updated Commissions Coming Soon 2.40% to 75, 1.50% 76-80, 0.90% 81-85 3.00% to 80, 2.25% 81-85, 1.50% 86-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90

NA 8 years A+ A+ 8 years 8 years

MYGuarantee Plus 8 MYGuarantee Plus 8 Preserve Multi-Year Guaranteed Annuity Preserve Multi-Year Guaranteed Annuity Guarantee Choice 9 Guarantee Choice 9 Palladium MYG 9 Horizon Plus Palladium MYG 9 Director
(5 yr rate guarantee / 9-year surrender period)

B++ 9 years B++ 9 years A+ A+ A A A A+ A+ A+ A+ A+ 9 years 9 years 9 years 9 years 9 years 9 years 9 years 9 years 9 years 9 years

Select Series Annuity MYGuarantee Plus 9 Select Series Annuity MYGuarantee Plus 9 Preserve Multi-Year Guaranteed Annuity Guarantee Choice 10

Lincoln Financial Principal

Lincoln Financial Guggenheim North American

B++ 10 years A+ 10 years

Last updated 8/30/2013 Page 37

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"The Annuitist" (877) 888-0858 Toll Free (704) 227-0786 Direct

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Multi-Year Guaranteed Annuity Rates (CD-Style Annuities)

Company Name

A.M. Best

Gtee Period

Product Name/Premium Banding

Minimum Premium For This Rate

Rate First Year Rate Effective Date

Guaranteed Rate Years 2+ unless indicated otherwise

Average Yield

MGA Commission & Maximum Issue Ages

Guggenheim Sentinel Security North American Equitrust Life American General American National American National American General Integrity Life

B++ 10 years B++ 10 years A+ 10 years

Preserve Multi-Year Guaranteed Annuity

$5,000 Q, $10,000 NQ to $249,999 $2,500 $2,000 Q, $10,000 NQ to $199,999 $10,000 $5,000 $100,000 $5,000 - $99,999 $5,000 $20,000 $100,000 $5,000 NQ, $2,000 Q $25,000 - $99,999 $100,000 $75,000 $10,000 - $99,999 $15,000 - $74,999

07/01/13 05/22/13 07/10/13 07/17/13 08/12/13 08/01/13 08/01/13 08/12/13 06/20/13 02/07/12 06/20/13 02/07/12 07/01/13 07/17/13 05/08/13 07/17/13

3.50% 3.45% 3.30% 3.25% 2.85% 3.60% 3.50% 5.10% 3.25% 2.00% 2.60% 1.90% 1.70% 2.50% 1.55% 1.50%

3.50% 3.45% 3.30% 3.25% 2.85% 2.60% 2.50% 2.10% 2.25% 2.00% 1.85% 1.90% 1.70% 1.50% 1.55% 1.50%

years 2-10 years 2-10 years 2-10 years 2-10 years 2-10 years 2-10 years 2-10 years 2-6 1% min yrs 710 years 2-10 years 2-10 years 2-10 years 2-10 years 2-10 years 2-10 years 2-10 years 2-10

3.50% 3.45% 3.30% 3.25% 2.85% 2.70% 2.60% 2.60% 2.35% 2.00% 1.92% 1.90% 1.70% 1.60% 1.55% 1.50%

3.00% to 80, 2.25% 81-85, 1.50% 86-90 2.75% to 80, 2% 81-90 2.50% to 80, 1.88% 81-85, 1.25% 86-90 3.00% 0-80, 2.25% 81-90 3.50% 0-80, 2.50% 81-85 4.00% to 79, 2.00% 80-85 4.00% to 79, 2.00% 80-85 4.00% to 75, 2.20% 76-80, 1.70% 81-85 3.50% to 79, 1.50% 80-83 4.00% to 75, 3.00% 76-80, 2.00% 81-85 5.00% to 79, 3.00% 80-85 4.00% to 75, 3.00% 76-80, 2.00% 81-85 2.40% to 75, 1.50% 76-80, 0.90% 81-85 3.25% to 80, call office for trail options 2.40% to 75, 1.50% 76-80, 0.90% 81-85 3.25% to 80, call office for trail options

Personal Choice Guarantee Choice 10 Certainty Select HorizonSelect 10 Palladium MYG 10 Palladium MYG 10 Horizon MYG MultiVantage 10 Dominator Plus 10 New Momentum 10
(7-year surr period / 10 year MVA)

B++ 10 years A A A A A+ A A+ A A+ A A+ A 10 years 10 years 10 years 10 years 10 years 10 years 10 years 10 years 10 years 10 years 10 years 10 years

Allianz Life Integrity Life

Allianz Life Lincoln Financial ING USA Lincoln Financial ING USA

Dominator Plus 10

MYGuarantee Plus 10 ING Guarantee Choice 10 MYGuarantee Plus 10 ING Guarantee Choice 10

Last updated 8/30/2013 Page 38

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