Free Withdrawal. Minimum Premium. 10% of Accumulated Value after 1 st Year $25, % of Accumulated Value after the 1 st Year

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1 September 4th, 2015 Carrier/Product Guaranteed Value 5 Year Genworth SecureLiving Index 5 Bailout Provision Voya Financial Secure Index Five (FPDA) Return of Option Available Renewal Flex Waiver available in most States The Standard Index Select Annuity 5 $100k-$249,999 : 3.50% Monthly Cap: 2.00% Point to Point Cap: 4.50% Point to Point 3.50% Call for other premium banding Reduced Caps and Rates in AK,MN,MO,PA,OR & WA Point to Point Cap $75k+3.75%, $15k-$74, % Renewal Flex Waiver.75% Monthly Cap $75k+ 1.60%, $15k-$74, % Performance Trigger $75k+ 2.75%, $15k-$74, % 1.50% Current Caps $100,000 & Up 4.50% Under $100, % 1.75% Value after 1 st Year Value after the 1 st Year Up to accumulated value once each year after the 1 st year $25, % of premium less adjustment for any withdrawals and applicable rider fees. Calculated only at the end of the surrender charge period $15,000 DE,,OR $15, % on 87.5% of 5 Year 9,9,8,7,6 5 Years 8,7.5,6.50,5.5 0, Years 7,6,5,4,2 in OK % % % % % 1.57% on Years % % % Lincoln OptiChoice % > $100k < $100k 3.00% Monthly Cap 1.70% > $100k < $100k 1.55% 2.00% > $100k < $100k 1.85% $2,000 Q $5,000 N/Q compounded at.50%,or 5 Years 9,8,7,6,5 Reduced charges in MN, MO, OR, UT, WA % % % 85.75%

2 Guaranteed Value Safe Outlook Bailout Provision Point to Point Cap $100k & Up 4.50% % Bailout Under $100k 4.25% w/3.00% Bailout Monthly Avg Cap $100k & Up 5.25% % Bailout Under $100k 4.75% % Bailout after 1 st Year 90% of premium 6 Years 9,8,7,6,5, % % % 1.95% and 1.85% 6 Year Equity Choice 6 Annual Point to Point No Cap 35% Participation Annual Point to Point Cap 4.50% Monthly Point to Point 1.80% Dividend Aristocrats Daily Risk Control 5% Index-No Cap 1.75% Asset Fee Fixed Acct 1.60% after 1 st Year 90% of premium AL, 6 Years 9.2,8,7,5.5,4, % % Lincoln New Direction 6 A + Rating 3.60% > $100k < $100k 3.35% 2 Year Point to Point Cap 8.85% > $100k < $100k 8.15% Value compounded at.50% 6 Years 9,8,7,6 4.70, % % % 6 Year MYG 2.15% > $100k < $100k 2.00%

3 Name/AM Best Rating Genworth SecureLiving Index 7 Bailout Provision 100k-$249,999 : 3.50% Monthly Cap: 1.70% Point to Point Cap: 4.95% Point to Point 3.95% Call for other premium banding Reduced Caps and Rates in AK,MN,MO,PA,OR & WA Value after 1 st Year $25,000 Guaranteed Value 107% of premium less adjustment for any withdrawals and applicable rider fees. Calculated only at the end of the surrender charge period DE, 9,9,8,7,6,5, % % % 7 Year Legend III Strategy 7 Lincoln OptiBlend 7 Voya Financial Index Seven (FPDA) Renewal Flex Waiver available in most States Integrity Indextra Point to Point Cap 4.25% 1 Year Gold Price Cap 4.75% Mo. Point to Point Cap 1.75% Fixed Acct 1.90% Point to Point Cap 5.00% One Year Performance Method 4.00% Mo. Point to Point Cap 2.00% Fixed Acct 2.40% Annual Pt to Pt Cap 4.15% $100k & Up 3.85% <$100k Performance Triggered 3.75% $100k & Up 3.50% < $100k Daily Risk Control 5% Index No Cap 1.65% Spread $100k & Up 2.00% < $100k Fixed Acct 2.25% $100k & Up 2.10% < $100k Point to Point Cap $75k+ 4.50%, $15k-$74, % Monthly Cap $75k+ 2.00%, $15k-$74, % Performance Trigger $75k+ 3.50%, $15k-$74, % 2.00% Multi-Asset Index 3 Yr Pt to Pt NO CAP 100% Participation Point to Point Cap 3.00% Mo. Avg. Point to Point 3.25% Fixed Acct 1.60% Value after the 1 st Year Subsequent $2,000 $5,000 Q N/Q Additional premiums are subject to a $50 minimum. $15,000 ($50 Additional s) 1.00% on $15, % on AK,CA,HI MN,MS MO,,OR PA,UT,WA,OR CA,ME,NH,VT 9,8,7,6,5,4,3 7,6,5,4,3,2,1 9,8,7,6,5,4,3 10,10,10,10,9,8,7 9,8.50,8,7,6,5, % % % % % % % % 85.75% % % % %

4 Name/AM Best Rating Equity Choice 8 Annual Point to Point No Cap 40% Participation Annual Point to Point Cap 4.75% Monthly Point to Point 1.90% Dividend Aristocrats Daily Risk Control 5% Index-No Cap 1.50% Asset Fee Fixed Acct 1.75% after 1 st Year Guaranteed Value 90% of premium AL, 8 Years 9.2,8.25,7.25,6.5, ,3.5, % % 8 & 9 Year Lincoln New Directions % > $100k < $100k 3.75% 2 Year Point to Point Cap 10.10% > $100k < $100k 9.35% 8 Year MYG 2.40% > $100k < $100k 2.25% compounded at.50% 8 Years 9,8,7,6,4.75,3.5 0,2, % % % Voya Wealth Builder Plus Americo Ultimate One Index 9 $100,000 Band 5.20% Annual Point to Point Cap 7.50% 3.25% Less.85% annual charge on GMWB account Value deducted quarterly Point to Point Cap 2.75% PTP Participation-No Cap 28.00% Mo. Avg. Participation- No Cap 44.00% Mo. Avg. Cap 3.25% Fixed Acct 1.45% 5% of Value after the 1 st Year Value after the 1 st Year $15,000 $2,000 Q $5,000 N/Q compounded at.875% 1.00% on 100% of premium,or AL,MD MN,NJ,OR WA,WY 8 Years 10,10,10,10,9,8, 7,6 9 Years 11,10.50, ,9,8,7,6, % % 9.00% %

5 Guaranteed Value Equity Retirement Gold 8% Bonus Point to Point Cap 2.25% Monthly Pt to Pt Cap 1.20% S&P Mo Avg Annual Pt to Pt Cap 2.25% Fixed Acct 1.00% value after 1 st year $5, % on 100% of premium AK,AL,CT,DE,FL MN,NJ,,OH OR,PA,SC TX,UT,WA 12.5,12,12,11,10,9, 8,7,6, % 1 st Year 1.00% Years 2 & 3 Call for IN, FL AIG Power 10 Protector 3.00% Bonus Annual Pt to Pt Cap 3.50% Monthly Avg Spread 3.75% Monthly Pt to Pt Cap 1.50% 1.60% accumulated value after the 1 st year $25,000 premium in most states,or,vt,wa 10,9,8,7,6,5,4,3,2,1 In addition to above charges there is also a Bonus Recapture provision % % 10 Year Lincoln OptiBlend 10 Annual Pt to Pt Cap 4.50% $100k & Up 4.15% <$100k Performance Triggered 4.15% $100k & Up 4.00% < $100k Daily Risk Control 5% Index No Cap 1.15% Spread $100k & Up 1.45% < $100k Fixed Acct 2.50% $100k & Up 2.35% < $100k Additional premiums are subject to a $50 minimum. AK,CA,HI MN,MS MO,,OR PA,UT,WA 9,8,7,6,5,4, % % % % Fidelity & Guaranty Life Safe Income Plus 7.00% Bonus B++ Annual Pt to Pt Cap 3.00% Monthly Avg Cap 3.25% Index Gain Declared Rate 2.50% Monthly Pt to Pt Cap 1.50% 1.25% Value after the 1 st Year The minimum guaranteed surrender values on a full surrender is 87.5% of premium, plus daily interest accruing at the MGSV accumulation interest rate. Between 1% and 3%, is set at issue and fixed for the life of the contract. AL,CT,ID,IN MN,MS,,OR PA,VT,WA 12,11,10,9,8,7,6,5, 4,3 In addition to above charges there is also a Bonus Recapture provision % % Varies in AK,DE,FLNV OH,OK,SC TX,UT

6 Guaranteed Value Valor % Bonus Point to Point Cap 4.00% Monthly Avg Cap 4.75% 1.00% 10,9,8,7,6,5,4,3,2, % % % Safe Return Return of Point to Point Cap 5.00% Bailout 3.00% Monthly Avg Cap 5.25% Bailout 3.00% 1.00% $25, % on 100% of 10,9,8,7,6,5,4,3,2, % % % 10 Year North Benefit Solutions 10 Point to Point Cap-4.70% Low Volatility Daily Risk Control 5% No Cap Less 1.50% Margin Spread Mo. Avg. Point to Point 80% Participation-No Cap Fixed Acct 2.50% After the 1st Year of up to 5% (10% if no withdrawals taken in the prior year after second contract anniversary) $20,000 AK,CA,CT,DE,IL LA,MD,MN,MO,OH,OR,PA UT,VA,WA,WY Caps/Rates Reduced in: FL,IN,MS,NV OK,SC, TX 10,10,9,9,8,8,7,6,4, % % Integrity Indextra Multi-Asset Index 3 Yr Pt to Pt NO CAP 115% Participation Point to Point Cap 3.50% Monthly Avg. Point to Point 4.00% Fixed Acct 1.80% $15, % on 100% of premium CA,ME,NH,VT 9,8.50,8,7 6,5,4,3,2, % %

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