12.00% Annuity Product Reference Guide FEEL THE POWER. MarketPower Bonus Index from EquiTrust Life Insurance Company INDEXED. Premium Bonus!!!

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1 Last Updated 02/13/19 INDEXED Annuity Product Reference Guide February 2019 OPEN HERE! our potential annuity sales await! FEEL THE POWER 12.00% Bonus!!! Contact us Today! MarketPower Bonus Index from EquiTrust Life Insurance Company 12% Bonus! Bonus Vested Day 1 5 Index strategies and Fixed Account at 1.50% 10% Annual Free s After First ear Full Account Value at Death 14 year surrender charge schedule Nursing Home Waiver and Terminal Illness Rider 6.00% rollup rate for up to 10 years on Optional Income Rider! 2 ear Monthly Average Cap at 7.00% Call us today! EquiTrust may modify or discontinue the additional premium bonus at any time. EquiTrust Life Insurance Company is rated B++ by A.M. Best Company for its relative financial strength and ability to meet its obligations to policyholders. of the policy may be subject to a surrender charge and market value adjustment. s may be subject to federal income tax and a 10% IRS penalty prior to age 59 1/2. s do not participate in index returns. Product not available in all states. EquiTrust Life Insurance Company, West Des Moines, IA. Contract is issued on Contract Form Series ET-MPP-2000 (02-05). Group Certificates issued on Form Series ET-MPP-2000C(02-05). FOR PRODUCER USE ONL. AC18-MPP-1123 (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

2 Table of Contents - Company Overviews 3 INDEXED ANNUITIES 4 GUARANTEE INCOME RIDER (BENEFIT LIVING) COMPARISON 5 GUARANTEE INCOME RIDER INCOME PAOUT PERCENTAGE COMPARISON 6-7 AMERICAN EQUIT INVESTMENT LIFE INSURANCE COMPA A.M. Best Rating = A- (excellent) (888) AMERICAN GENERAL LIFE COMPANIES* Policies issued by American General Life and United States Life ( only) A.M. Best Rating* = A (excellent) (888) AMERICAN NATIONAL INSURANCE COMPA A.M. Best Rating = A (excellent) (800) ATHENE ANNUIT & LIFE ASSURANCE COMPA A.M. Best Rating = A (excellent) (855) , option 1 12 EQUITRUST LIFE INSURANCE COMPA A.M. Best Rating = B++ (good) (866) GLOBAL ATLANTIC FINANCIAL GROUP A.M. Best Rating = A (excellent) (866) GREAT AMERICAN LIFE INSURANCE COMPA A.M. Best Rating = A (excellent) (800) x GUGGENHEIM LIFE & ANNUIT COMPA A.M. Best Rating = B++ (good) (800) LINCOLN FINANCIAL GROUP A.M. Best Rating = A+ (superior) (800) NASSAU RE COMPA A.M. Best Rating = B (good) NORTH AMERICAN COMPA FOR LIFE AND HEALTH A.M. Best Rating = A+ (superior) (877) x OXFORD LIFE INSURANCE COMPA A.M. Best Rating = A- (excellent) (800) PROTECTIVE LIFE INSURANCE COMPA A.M. Best Rating = A+ (superior) (800) SAGICOR LIFE INSURANCE COMPA A.M. Best Rating = A- (excellent) (888) x6180 (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. *The most prominent independent ratings agencies continue to recognize American General Life Insurance Company in terms of insurer financial strength. For current insurer financial strength ratings, please consult our Internet Web page, See Advertising Disclosures for additional information. 2

3 Indexed Annuities Company Product Name Bonus Design Cap Fixed Rate S&P 500 Participation Rate (Lower Band Rates Shown) Value Charge Period 5 year term Protective Life Protective Index Annuity II 0.00% % 1.70% 100% First ear on 100% 5 years Great American Life American Landmark % % 2.40% 100% First ear on 87.5% 5 years 6 year term Protective Life Protective Asset Builder 0.00% % 1.65% 100% First ear on 100% 6 years 7 year term Great American Life American Legend III 0.00% % 2.85% 100% First ear on 100% 7 years American National Strategy Plus % 2.40% 100% First ear on 87.5% 7 years Protective Life Protective Index Annuity II 0.00% % 1.80% 100% First ear on 100% 7 years 8 year term North American Performance 8 Plus 4.00% for 5yrs %mo 2.15% 100% First ear on 87.5% 8 years Protective Life Protective Asset Builder 0.00% % 1.90% 100% First ear on 100% 8 years 9 year term EquiTrust Life Market Booster 7.00% %mo 1.65% 100% First ear 2.00% on 87.5% 9 years Sagicor Life Sage Select % % 2.00% 100% First ear 3.00% on 87.5% 9 years 10 year term Athene Annuity Performance Elite % % 1.65% 100% First ear on 87.5% 10 years Guggenheim Highlander 4.00% % 2.50% 100% First ear on 100% 10 years Protective Life Protective Index Annuity II 0.00% % 2.10% 100% First ear on 100% 10 years EquiTrust Life Market Value EIA 0.00% % 2.75% 100% First ear 2.00% on 87.5% 10 years American National Strategy Plus % 2.60% 100% First ear on 87.5% 10 years Great American Life Safe Return 0.00% % 2.00% 100% For Term on 100% 10 years North American Charter Plus % for 7 yrs %mo 1.50% 100% First ear on 87.5% 10 years EquiTrust Life DynaMARC 0.00% 7 No Cap 2.60% 100% First ear on 100% 10 years EquiTrust Life Market 10 Bonus 6.00% for 5yrs % 2.00% 100% First ear on 100% 10 years 12 year term North American Performance 12 Plus 7.00% for 5yrs % 1.65% 100% For Term on 87.5% 12 years 14 year term North American Retire Choice % for 5yrs % 6.00% 100% First ear on 87.5% 14 years EquiTrust Life Market Power Bonus 12.00% % 1.50% 100% First ear 2.00% on 87.5% 14 years North American Charter Plus % for 7 yrs % 1.65% 100% First ear on 87.5% 14 years EquiTrust Life Market 12 Bonus 12.00% % 1.30% 100% First ear 2.00% on 87.5% 14 years (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. (A) 6.00% day 1, 2.00% 1st anniversary yr., 2.00% 2nd anniversary yr., 2.00% 3rd Anniversary r. (B) 4.00% year 1, 2.00% 1st anniversary yr., 2nd anniversary yr.. 1 = Monthly Average Annual Reset 2 = Annual Point to Point Reset 3 = Point to Point 4 = Monthly Point to Point Annual Reset 5 = Monthly Cap Annual Reset 6 = High Water Rolling for Monthly Term 7 = 2 year Monthly Average 8 = Trigger Point 9 = 18 Monthly Average *RATES AND COMMISSIONS SUBJECT TO CHANGE. CHECK INDIVIDUAL COMMISSION SCHEDULES FOR GUARANTEED ACCURAC AND DESCRIPTIONS!!!* Call for state approvals. 3

4 Guarantee Income Rider (Living Benefit) Comparison American General American National Athene Annuity Athene Annuity Athene Annuity EquiTrust EquiTrust Great American Guggenheim Lincoln Financial Group North American Oxford Life Protective Life Lifetime Income Plus Strategy Plus Ascent Income Rider Option 1 Enhanced Benefit Rider Ascent Income Rider Option 2 Income for Life Strategic Income Option Income Secure Lifetime Rider Lincoln Lifetime Income Edge Income Pay Plus GLWB Secure Pay SE Roll-up Rate in Accumulation Period 7.00% Simple for 10 years 7.20% 10 years or 4.20% plus interest for 10 years 15% income base bonus 10% Simple yrs % Simple yrs % simple years % simple years % Income base bonus 8.00% Simple years % yrs Par rate=200% 6.00% for 10 years (10% Bonus) 4.00% Plus Stacking Annually 7% Simple for 10 years 10% Income Base Bonus, 4% roll-up + stacking credits for 20 years Step-up Benefit factor* 5% minimum for 10 years 6.00% for 10 years 6.75% annually for fist ten policy years 7.00% simple for 10 years Credited Annually Annually Annually Annually Annually Daily Annually Annually Annually Annually Annually Annually Annually Income W/D Multiplier - Confinement Feature (See Contract for Qualifying Confinement Criteria) No No No 1.5 x withdrawal benefit No No No No No 10% of Income Base Annually Check State Availability es (where available) es No Start Stop Option es es es es es es es es es es es es No Rider Charge (calculated annually against the IAV, deducted monthly from AV) 0.95% 0.90% 0.60% 1.40% 0.75% 0.95% 0.95% 0.90% 0.95% 1.05% 0.95% 0.85% Increasing Benefit Option es No es es es No No No No No es No No Payments for Life es es es es es es es es es es es es es Phase Waiting Period Rider Charge Refund Account at Death 1 ear and 60 year old 1 year and 50 year old Age 50 No No No No No No 1 ear and Age 50 Ask about True Up es if taken over 5 years Age 50 2 ears and 50 year old 1 ears and 50 year old 55 year old 1 ear and 55 year old Age 50 1 ear and 50 year old 1 ear and 50 year old immediately and 60 year old No No No es No No No No No No No No No No No No es No Joint Lifetime Option available es es es es es es es es es es es es es State Availability All except: CT, IL, NJ, MD, OR, VT, WA All except: IL, IA, MD, MA, NJ,, OR, PA All except: CA, CT, HI, IL,, WA All except: AK, CT, DE, FL, HI, MN, NJ, NV,, OK, OR, PA, UT, WA All except: NJ,, WA All except: All except: MS, NH, NM,, OR, VT All except:, WA All except: All except: All except: All except: AL,, VT, WV (MT & CA for some products) All except: WA, See base contract For Agent Use Only. Not for Use with the Public. *Bonus Ascent Pro products only, other variations available 4

5 Guarantee Income Rider Income Payout Percentage Comparison Great American Income Sustainer** Income Sustainer Plus* American Custom - 10 AGE Single Lifetime Benefit % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Great American Income percentage enhancement for Simple Income Option Additional Contract percentage year of added to income benefit percentage from start date table to the left % % % % % EquiTrust Life Strategic Income Option Age Single Lifetime Benefit % % % % % AGE American General Lifetime*** Income Plus Athene Annuity GLWB** Enhanced GLWB** Athene Annuity Enhanced Benefit Rider Athene Annuity Income Edge Plus North American Income Pay Plus 1 * EquiTrust Life Inc. for Life* % 3.50% 3.00% 3.50% 4.20% 3.25% % 4.00% 3.50% 4.00% 4.20% 3.75% % 4.50% 4.00% 4.50% 4.70% 4.25% % 5.00% 4.50% 5.00% 5.20% 4.75% % 5.50% 5.00% 5.25% 5.70% 5.25% % 6.00% 5.50% 5.50% 6.20% 5.75% % 6.50% 6.00% 6.00% 6.70% 6.25% % 7.00% 6.50% 6.25% 6.70% 6.75% % 7.50% 7.00% 6.50% 6.70% 7.25% AGE Lincoln Financial Group Lincoln Lifetime Income Edge Less than 5 years* At least 5, but less than 10 years* At least 10 years* % 4.25% % % 4.75% % % 5.25% % % 5.75% % % 6.25% % % 6.75% % % 7.25% % % 7.75% % % lower for Opti-Point % lower for Opti-Point. 1. LPP increases.10 for each age from Protective Life Secure Pay SE Maximum Percentages AGE One Covered Person Two Covered Persons % 4.00% % 4.50% % 5.00% % 5.50% % 6.00% % 6.50% * Joint life payout is 0.50% lower and based on the younger age. ** Joint life payout is lower and based on the younger age. *** Joint life payout is 0.50% lower and based on the coverage age of spouses, rounded down. There is a minimum $50,000 contribution. Inheritance Enhancer DEATH BENEFIT RIDER age Rollup Rollup period Death Benefit payout options Fee For Agent Use Only. Not for Use with the Public. 5 9% simple interest 10 years Lump sum or annuitzation 0.85% of death benefit base, deducted from account value. Refund or rider charges available in first 5 years. Rider charges refunded if the insured dies during the first five years or the non-insured joint owner dies at any time. 5

6 AMERICAN EQUIT INVESTMENT LIFE INSURANCE COMPA (AEI) INDEXED Bonus Gold 10% Bonus on all 1st year premiums Retirement Gold 8% Bonus on all 1st year premiums IN ( 8% ages 18-73, 5% ages 74-78) Foundation Gold 7% Bonus on all 1st year premiums Cap PR Asset Fee PT S&P 500 Annual Monthly Avg w/pr - 25% - - S&P 500 Annual Monthly Avg w/cap 2.25% - 0% - S&P 500 Annual Pt to Pt w/pr - 15% - - S&P 500 Annual Pt to Pt w/cap 2.25% - 0% - Dow Annual Monthly Avg w/cap 2.25% - 0% - Dow Annual Pt to Pt w/cap 2.25% - 0% - S&P 500 Monthly Pt to Pt w/cap 1.20% r. U.S. Treasury Bond w/cap 2.25% - 0% - S&P 500 Performance Trigger % Bond ield w/cap 5.15% % - Volatility Control Index % - Fixed Value Rate 1.15%, DE 2.25% Cap PR Asset Fee PT S&P 500 Annual Monthly Avg w/pr - 25% - - S&P 500 Annual Monthly Avg w/cap 2.00% S&P 500 Annual Pt to Pt w/pr - 15% - - S&P 500 Annual Pt to Pt w/cap 2.00% S&P 500 Monthly Pt to Pt w/cap - 0% - S&P 500 Performance Trigger % Bond ield w/cap 4.65% % - Volatility Control Index % - Fixed Value Rate Cap PR Asset Fee PT S&P 500 Annual Monthly Avg w/pr - 30% - - S&P 500 Annual Monthly Avg w/cap 2.50% S&P 500 Annual Pt to Pt w/pr - 20% - - S&P 500 Annual Pt to Pt w/cap 2.50% S&P 500 Monthly Pt to Pt w/cap 1.30% r. U.S. Treasury Bond w/cap 2.50% S&P 500 Performance Trigger % Bond ield w/cap 5.65% % - Volatility Control Index % - Fixed Value Rate 1.30% : ly 80% of 1st year premium plus premium bonus plus 87.5% additional premium, less withdrawal proceeds, at MGIR, compounded annually. : ly Value: 87.5% of premiums paid less withdrawal proceeds, at MGIR, compounded annually : ly Value: 87.5% of premiums paid less withdrawal proceeds, at MGIR, compounded annually : Maximum: $1,500, $750,000 : Maximum: $1,500, $750,000 : Maximum: $1,500, $750,000 10% of Contract Value Annually, Starting r 2. Systematic W/D & RMD Immediately from Fixed Value.3 10% of Contract Value Annually, Starting r 2. Systematic W/D & RMD Immediately from Fixed 5% of Contract Value Annually, Starting r 2. Cumulative withdrawal options available. Systematic W/D & RMD Immediately from Fixed Value.3 Rates Effective as of years (20, 19.5, 19, 18.5, 18, 17.5, 17, 16, 15, 14, 12, 10, 8, 6, 4, 2, 0%) DE - 17 year 10 years (12.5,12,12,11, 10,9,8,7,6,4,0%) 8% bonus fully vested after year years (9, 8.25, 7.25, 6.25, 5.25, 4.25, 3.25, 2.25, 1, 0.5, 0%) Q and NQ FL ONL Q & NQ Q and NQ Q and NQ N N N AK, CA, CT, DE, MN, MT, NJ, NV,, OH, OK, OR, PA, SC, TX, UT, WA AK, CA, CT, DE, FL, MN, NJ, NV,, OH, OK, OR, PA, SC, TX, UT, WA CA, (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 6

7 AMERICAN EQUIT IVESTMENT LIFE INSURANCE COMPA (AEI) INDEXED Benefit Gold A 5% Bonus on all 1st year s Choice Series 6 year, 8 year, and 10 year options (Optional Rider ) Advantage Gold (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. Cap PR Spread PT S&P 500 Annual Monthly Avg w/pr 2.00% - 0% - S&P 500 Annual Pt to Pt w/cap 2.00% - 0% - S&P 500 Monthly Pt to Pt w/cap - 0% - 10 r. U.S. Treasury Bond w/cap 2.00% - 0% - S&P 500 Monthly Avg w/pr - 25% - - S&P 500 Annual Pt to Pt w/pr - 15% - - Bond ield w/cap & Spread 4.65% % - S&P 500 Performance Trigger % Volatility Control Index % - Fixed Value Rate Choice 6 Cap PR Asset Fee PT S&P 500 Annual Pt to Pt w/pr - 42% - - S&P 500 Annual Pt to Pt w/cap 4.75% S&P 500 Monthly Pt to Pt w/cap 1.50% Volatility Control Index % - Fixed Value Rate 1.90% Choice 8 Cap PR Asset Fee PT S&P 500 Annual Pt to Pt w/pr - 47% - - S&P 500 Annual Pt to Pt w/cap 5.00% S&P 500 Monthly Pt to Pt w/cap 1.60% Volatility Control Index % - Fixed Value Rate 2.10% Choice 10 Cap PR Asset Fee PT S&P 500 Annual Pt to Pt w/pr - 49% - - S&P 500 Annual Pt to Pt w/cap 5.00% S&P 500 Monthly Pt to Pt w/cap 1.70% Volatility Control Index % - Fixed Value Rate 2.00% Cap PR Asset Fee PT S&P 500 Annual Monthly Avg w/pr - 25% - - S&P 500 Annual Monthly Avg w/cap 2.00% - 0% - S&P 500 Annual Pt to Pt w/pr - 15% - - S&P 500 Annual Pt to Pt w/cap 2.00% - 0% - S&P 500 Monthly Pt to Pt w/cap r. U.S. Treasury Bond w/cap 2.00% - 0% - S&P 500 Performance Trigger % Bond ield w/cap 4.65% % - Volatility Control Index % - Fixed Value Rate 1.05% : ly Value: 87.5% of premiums paid less withdrawal proceeds, at MGIR, compounded annually : ly Value: 90% of premiums paid, less withdrawal proceeds, at MGIR, compounded annually : ly Value: 84% of 1st year premium plus premium bonus plus 87.5% additional premium, less withdrawal proceeds, at MGIR, compounded annually. : $5,000 Maximum: $1,500, $750,000 : Maximum: $1,500, $750,000 : Maximum: $1,500, $750,000 10% of Contract Value Annually, Starting r 2. Systematic W/D & RMD Immediately from Fixed Value. 10% of Contract Value Annually, Starting r 2. Systematic W/D & RMD Immediately from Fixed Value.3 10% of Contract Value Annually, Starting r 2. Systematic W/D & RMD Immediately from Fixed Value.3 Rates Effective as of years (13.5, 12.25, 11, 9, 7.5, 8.25, 7, 6, 5, 4, 2.5, 1, 0%) 9.20, 8.00, 7.00, 5.50, 4.00, 2.50, 0% (6 yrs.) 9.20, 8.25, 7.25, 6.50, 5.50, 4.50, 3.50, 2.50, 0% (8 yrs.) 9.20, 8.25, 7.25, 6.50, 5.50, 4.50, 3.50, 2.50, 1.50, 0.50, 0% (10 yrs.) 10 years (16, 15, 14, 13, 11.5, 10, 8.5, 7, 5.5, 4, 0%) Q and NQ Choice Choice Choice Q and NQ Q and NQ N N N Only in: AK, CT, MN, NJ, NV, OH, OK, OR, PA, TX, UT, WA AK, CA, CT, DE, FL, MN, NJ, NV,, OH, OK, OR, PA, TX, UT, WA 7

8 AMERICAN GENERAL LIFE COMPANIES (AGLC) INDEXED AG Power Protector - 7 Annuity AG Power Protector - 7 Plus Annuity AG Power Protector - 10 Annuity AG Power Protector - 10 Plus Annuity PREMIUMS UNDER $100,000 Fixed account: 2.00% Annual Pt - to - Pt Cap: 4.75% Annual Pt - to - Pt Spread: 1.95% PIMCO 2yr Pt-to-Pt Spread: 3.95% 2 yr Pt - to- Pt Spread: 0.00% PREMIUMS OVER $100,000 Fixed account: 2.00% Annual Pt - to - Pt Cap: 6.00% Annual Pt - to - Pt Spread: PIMCO 2yr Pt-to-Pt Spread: 2.45% 2 yr Pt - to- Pt Spread: 1.10% PREMIUMS UNDER $100,000 Fixed account: 2.00% Annual Pt - to - Pt Cap: 3.50% Annual Pt - to - Pt Spread: 2.60% PIMCO 2yr Pt-to-Pt Spread: 3.95% 2 yr Pt - to- Pt Spread: 1.60% PREMIUMS OVER $100,000 Fixed account: 2.00% Annual Pt - to - Pt Cap: 4.25% Annual Pt - to - Pt Spread: 1.80% PIMCO 2yr Pt-to-Pt Spread: 3.25% 2 yr Pt - to- Pt Spread: 0.85% PREMIUMS UNDER $100,000 Fixed account: 2.25% Annual Pt - to - Pt Cap: 4.80% Annual Pt - to - Pt Spread: 1.95% PIMCO 2yr Pt-to-Pt Spread: 3.85% 2 yr Pt - to- Pt Spread: 0.95% PREMIUMS OVER $100,000 Fixed account: 2.25% Annual Pt - to - Pt Cap: 6.05% Annual Pt - to - Pt Spread: 1.10% PIMCO 2yr Pt-to-Pt Spread: 2.45% 2 yr Pt - to- Pt Spread: 0.00% PREMIUMS UNDER $100,000 Fixed account: 2.00% Annual Pt - to - Pt Cap: 3.50% Annual Pt - to - Pt Spread: 2.45% PIMCO 2yr Pt-to-Pt Spread: 3.95% 2 yr Pt - to- Pt Spread: 1.45% PREMIUMS OVER $100,000 Fixed account: 2.00% Annual Pt - to - Pt Cap: 4.25% Annual Pt - to - Pt Spread: 1.75% PIMCO 2yr Pt-to-Pt Spread: 3.25% 2 yr Pt - to- Pt Spread: 0.75% on 87.5% of premium on 87.5% of premium on 87.5% of premium on 87.5% of premium $25,000 $25,000 $25,000 $25,000 Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. No Living Benefit Rider is available. Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. Living Benefit Rider is available. Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or. Easy access to your money in times of need or illness: The withdrawal charge and may be waived if you: Are diagnosed with a terminal illness, Have extended care needs, Are confined to a nursing home or an assisted living facility. Restrictions and limitations apply. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. No Living Beneit Rider is available. Death Benefit: Upon death, the beneficiary receives the greater of the contract value (excluding withdrawal charges and or the withdrawal value. Free s: After the first contract year, clients may withdraw up to 10% of the annuity value (based on the previous contract anniversary) without withdrawal charges or. No Free s are allowed in the first contract year (unless required by state law or taken under Lifetime Income Plus or as Required Distributions). If Lifetime Income Plus is elected, clients may take out up to the maximum annual withdrawal amount (MAWA) without any company-imposed charges. A withdrawal in excess of the MAWA will reduce future income under the benefit, even if it is a Free. Terminal Illness, Extended Care and Activities of Daily Living Riders: The withdrawal charge and may be waived if the contract owner: Is diagnosed with a terminal illness, has extended care needs or requires assistance with activities of daily living.these riders are no available in all states. Required Distributions (RMDs): If clients purchase their annuity under a qualified plan (e.g., an IRA), the Internal Revenue Code directs that a minimum amount of retirement income must be paid each year beginning in the year the owner turns to age 70 1/2. These payments are known as RMDs. charges and will not apply to RMDs attributable to a Power Index Plus contract at any time after issue, including the first contract year. RMD amounts do count against the 10% Free amount, thereby reducing or possibly eliminating the ability to take other Free s within a contract year. Failure to satisfy the RMD requirements may result in a tax penalty. Clients should consult their tax advisor for more information. Annuitization Choices: Clients can choose from five options, AKA Income plans: 1) Life income; 2) Joint and survivor annuity; 3) Joint and survivor annuity with 10- or 20-year period certain; 40 Life annuity with 10- or 20-year period certain; and 5) Income for a specified period (5-30 years). Cash Value: Equals the greater of the Value or the contract value adjusted for any, optional living benefit fee and withdrawal charge. Lifetime Income Plus is an optional guaranteed living benefit rider. The value on which guaranteed withdrawals and the rider fee are based; it is not used in the calculation of the contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. The Income Base is initially equal to the first eligible premium; it is increased with each additional eligible premium. Rates Effective as of years (8,7,6,5,4,3,2) 7 years (8,7,6,5,4,3,2) 10 years (10,9,8,7,6, 5,4,3,2,1) 10 years (10,9,8,7,6, 5,4,3,2,1) , WA, WA (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 8

9 ATHENE ANNUIT & LIFE ASSURANCE COMPA (ALA) INDEXED Performance Elite 10 Bonus: 6.00% PLUS premium Bonus: 12.00% OH % Performance Elite 10 Select Bonus: 4.00% PLUS premium Bonus: 9.00% OH % Performance Elite 10 Pro Bonus: 4.00% PLUS premium Bonus:10.00% Performance Elite 15 Bonus: 9.00% PLUS premium Bonus:15.00% IN % OH % Athene Performance Elite Plus Annual Rider Charge Rate % 2-year No Cap Point-to-Point Index Strategy1 (Participation Rate) BNP Paribas Multi Asset 5 Index 2-year No Cap Point-to-Point Janus SG Market Consensus Index Participation Rate (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 120% 80% 1-year Point-to-Point Index Strategy (Cap) S&P % 1-year Monthly Cap Index Strategy (Cap) S&P % Fixed Account with 1-ear Guarantee 1.65% Charge Duration 10 ears Athene Performance Elite 10 Select 10 Select Plus Annual Rider Charge Rate % 2-year No Cap Point-to-Point Index Strategy1 (Participation Rate) BNP Paribas Multi Asset 5 Index 2-year No Cap Point-to-Point Janus SG Market Consensus Index Participation Rate 120% 80% 1-year Point-to-Point Index Strategy (Cap) S&P % 1-year Monthly Cap Index Strategy (Cap) S&P % Fixed Account with 1-ear Guarantee 1.65% Charge Duration 10 ears Athene Performance Elite Pro Annual Rider Charge Rate % 2-year No Cap Point-to-Point Index Strategy1 (Participation Rate) BNP Paribas Multi Asset 5 Index 2-year No Cap Point-to-Point Janus SG Market Consensus Index Participation Rate 120% 80% 1-year Point-to-Point Index Strategy (Cap) S&P % 1-year Monthly Cap Index Strategy (Cap) S&P % Fixed Account with 1-ear Guarantee 1.65% Charge Duration 10 ears Athene Performance Elite Plus Annual Rider Charge Rate % 2-year No Cap Point-to-Point Index Strategy1 (Participation Rate) BNP Paribas Multi Asset 5 Index 2-year No Cap Point-to-Point Janus SG Market Consensus Index Participation Rate 135% 90% 1-year Point-to-Point Index Strategy (Cap) S&P % 1-year Monthly Cap Index Strategy (Cap) S&P % Fixed Account with 1-ear Guarantee 1.90% Charge Duration 15 ears on 87.5% of premium on 87.5% of premium on 87.5% of premium on 87.5% of premium Single premium only :, ($5,000 in CT, MN, NJ, OR, PA, TX, WA) Maxiumum: Single premium only :, ($5,000 in CT, MN, NJ, OR, PA, TX, WA) Maxiumum: Single premium only Single premium only ($5,000 in TX) 5% free withdrawals starting in year 2. Elite PLUS = growth + liquidity: Enhanced premium bonus, up to 10% free withdrawals, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Benefit available after the fourth contract year. 0.95% charges from accumulated value during rider charge period. Terminal Illness Waiver (not in CA), Confinement Waiver (not in CA or MA) are included. Death Benefit: Greatest of (i) Accumulated Value with no surrender charges, (ii) the Contract Value or (iii) the Return of Benefit (if applicable). 5% free withdrawals starting in year 2. Elite PLUS = growth + liquidity: Enhanced premium bonus, up to 10% free withdrawals, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Benefit available after the fourth contract year. 0.95% charges from accumulated value during rider charge period. Terminal Illness Waiver (not in CA), Confinement Waiver (not in CA or MA) are included. Death Benefit: Greatest of (i) Accumulated Value with no surrender charges, (ii) the Contract Value or (iii) the Return of Benefit (if applicable). 5% free withdrawals starting in year 2. Elite PLUS = growth + liquidity: Enhanced premium bonus, up to 10% free withdrawals, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Benefit available after the fourth contract year. 0.95% charges from accumulated value during rider charge period. Terminal Illness Waiver (not in CA), Confinement Waiver (not in CA or MA) are included. Death Benefit: Greatest of (i) Accumulated Value with no surrender charges, (ii) the Contract Value or (iii) the Return of Benefit (if applicable). 5% free withdrawals starting in year 2. Elite PLUS = growth + liquidity: Enhanced premium bonus, up to 10% free withdrawals, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Benefit available after the fourth contract year. 0.95% charges from accumulated value during rider charge period. Terminal Illness Waiver (not in CA), Confinement Waiver (not in CA or MA) are included. Death Benefit: Greatest of (i) Accumulated Value with no surrender charges, (ii) the Contract Value or (iii) the Return of Benefit (if applicable). Rates Effective as of ears (12,12,12, 11,10,9,8,7, 6,4) 10 ears (8.3, 8, 7.1, 6.2, 5.3, 4.4, 3.5, 2.6, 1.6, 0.9) 10 ears (10, 10, 10, 10, 9, 8, 7, 6, 5, 4) 15 ears (15, 15, 14, 14, 13, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4) 0-78 most states Call for other states (AK, SC, DE, MN, OH, PA, UT, WA) (NV,NJ, OK, TX) (FL) 0-78 (MD) 0-73 Most states Call for other states (N/A in MD,MN, MO,PA, WA) (N/A in MD,MN, MO,PA, WA) (N/A in MD,MN, MO,PA, WA) (N/A in MD,MN, MO,PA, WA) MD, MN, MT,, NJ, OR, PA, WA Only avail in: AK, SC, DE, MN, OH, NV, NJ, OK, TX, PA, UT, WA Only avail in: FL, MD WA, OR, UT,, PA, CT, MN, MT, NJ, OR 9

10 ATHENE ANNUIT & LIFE ASSURANCE COMPA (ALA) INDEXED Performance Elite 7 PLUS Bonus (Most states): 6.00% Athene Ascent Pro 10 Athene Performance Elite 7 Annual Rider Charge Rate 0.95% 2-year No Cap Point-to-Point Index Strategy (Participation Rate) BNP - Paribas Multi Asset Index 5 2-year No Cap Point-to-Point Janus SG Market Consensus Index Participation Rate 1 ear Point-to-Point Index Strategy (Cap) S&P % 90% 5.00% 1-year Monthly Cap Index Strategy (Cap) S&P % Fixed Account with 1-ear Guarantee 1.90% Charge Duration 7 ears 2-year No Cap PTP - BNP (Par Rate) 85% 1-year No Cap PTP - BNP (Par Rate) 55% 2-year No Cap PTP - Morningstar (Par Rate) 70% 1-year No Cap PTP - Morningstar (Par Rate) 45% 1-year PTP - S&P 500 (Cap) 3.00% 1-ear Monthly Cap - S&P 500 (Cap) 1.40% 2-year No Cap PTP - Janus SG Market Consensus Index (ParRate) 60% 1-year No Cap PTP - Janus SG Market Consensus Index (ParRate) 30% 1-year No Cap PTP S&P (Vol Control) (Par) 50% Bailout Cap Rate Fixed Account with 1-ear Guarantee 1.20% on 87.5% of premium If at the end of your withdrawal charge period, the total interest credited to your Accumulated Value is less than the Credit, you will automatically receive a one-time interest credit equal to the difference. The Credit is based upon a percentage of your Initial less withdrawals and charges. ($25,000 in TX) Maximum Single Only $5,000 10% free withdrawals starting in year 1 Elite Plus = growth + liquidity: Enhanced premium bonus, up to 10% free withdrawals, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Benefit available after fourth contract year. 0.95% charges from accumulated value during rider charge period. Terminal Illness Waiver Confinement waiver are included. Death Benefit: Greatest of (i) Accumulated Value with no surrender charges, (ii) the Guranteed Contract Value or (iii) the Return of Benefit (if applicable) 10% free withdrawals per year Bailout feature! Terminal Illness Waiver (not in CA) Confinement Waiver (Not in CA or MA) Rates Effective as of ears 9% (year 1) 8.8% (year 2) 7.9% (year3) 6.9% (year 4) 5.9% (year 5) 5% (year 6) 4% (year 7) 10 ears (9,9,8,7,6,5, 4,3,2,1) 0-83 es, DE 0-80 es (No in AK, HI, MN, MO, NJ, PA, UT, WA) Athene Ascent 10 Bonus 2.0 Bonus: 3% Ascent Pro 10 Bonus Select Bonus: 3% (ask about vesting schedule) Ascent Pro 10 Bonus Bonus: 3% (ask about vesting schedule) 2-year No Cap Point-to-Point Index Strategy (Participation Rate) BNP Paribas Multi Asset 5 Index (Not available in NH, NV 2-year No Cap Point-to-Point Index Strategy (Participation Rate) Morningstar Dividend ield Focus Target Volatility 5 Index SM Not available in NH & NV. 2-year No Cap Point-to-Point Index Strategy (Participation Rate) Janus SG Market Consensus Index 75% 55% 60% 1-year Point-to-Point Index Strategy (Cap) S&P % Bailout Cap Rate 1-year Monthly Cap Index Strategy (Cap) S&P % Fixed Account with 1-ear Guarantee 1.05% If at the end of your withdrawal charge period, the total interest credited to your Accumulated Value is less than the Credit, you will automatically receive a one-time interest credit equal to the difference. The Credit is based upon a percentage of your Initial less withdrawals and charges. Single Only (Ascent Pro 10 Bonus Select: $5,000 - AK, CT, HI, MN, NJ, OR, PA, TX, UT, WA) 10% free withdrawals per year Bailout feature! Terminal Illness Waiver (not in CA) Confinement Waiver (Not in CA or MA) 10 ears (12,12,12,11, 10,9,8,7,6,4) 10 ears (8.3, 8, 7.1, 6.2, 5.3, 4.4, 3.5, 2.6, 1.6, 0.9) 10 ears (10,10,10,10,9, 8,7,6,5,4) in FL 0-74 in IN in OR es (No in AK, HI, MN, MO, NJ, PA, UT, WA) AK, CT, DE, HI, OH, OK, MN, NV, NJ,, PA, SC, OR, TX, UT, WA ONL AVAILABLE in: AK, CT, DE, HI, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA ONL AVAILABLE in: FL (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 10

11 ATHENE ANNUIT & LIFE ASSURANCE COMPA (ALA) INDEXED Athene Agility 2-year No Cap PTP BNP (Part Rate) 130% 1-year No Cap PTP BNP (Part Rate) 90% 2-year No Cap PTP Morningstar (Part Rate) 70% 1-year No Cap PTP Morningstar (Part Rate) 60% 2-year PTP - S&P 500 (Cap) 8.50% 1-year PTP - S&P 500 (Cap) 4.25% 2-year PTP - S&P 500 Bailout Cap Rate 2.00% 2-year No Cap PTP - Janus SG Market Consensus Index (Par Rate) 85% 1-year No Cap PTP - Janus SG Market Consensus Index (Par Rate) 50% Fixed Account with 1-ear Guarantee 1.80% If at the end of your withdrawal charge period, the total interest credited to your Accumulated Value is less than the Credit, you will automatically receive a one-time interest credit equal to the difference. The minimum interest credit equal to the difference. The interest credit is based upon a percentage of your initial premium less withdrawals and charges. ($5,000 in AK, HI, MN, MO, NJ, PA, TX, UT and WA)) Maximum Maximum of 10% of Accumulated Value or 10% of Initial per year, s may be subject to federal and state income tax and except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59 1/2. ou can withdraw up to 100% of your annuity s Accumulated Value if the Annuitant is diagnosed with a Terminal Illness that is expected to result in death within one-year and you meet the eligibility requirements. This waiver is available after your first Contract Anniversary. ou may not be diagnosed during the first Contract year. Additional limitations state variations and exclusions may apply. Please see the Certificate of Disclosure for more information. Rates Effective as of ears (9,9,8,7,6,5,4,3, 2,1) CA (9,8.2,7,5.9,4.8, 3.6,2.5,1.3,1) es 11

12 EQUITRUST LIFE INSURANCE COMPA (ETL) INDEXED MarketTen Bonus Index (6.00% Bonus on premiums paid in years 1-5) HOT Income Rider (IBR) Info > MarketValue Index GREAT Income Rider (IBR) Info > W/O IBR W/ IBR 1 ear 2.00% 1.90% 1 ear Point-to-Point Cap 5.00% 3.75% 1 ear Monthly Avg Cap 6.00% 3.75% 1 ear Monthly Avg Par 60.00% 45.00% 1 ear Monthly Cap 1.30% 2 ear Monthly Avg Part 8.00% 6.00%, plus any applicable Bonus, compounded at 6.50% annually for up to 10 years Lifetime Income on the Benefit Base multiplied by the Income Percentage May begin anytime after 1st contract year and age 50. W/O IBR W/ IBR 1 ear 2.75% 2.20% 1 ear Point-to-Point Cap 6.00% 4.75% 1 ear Point-to-Point Part 55.00% 2.75% 1 ear Monthly Avg Cap 7.00% 5.50% 1 ear Monthly Avg Par % 60.00% 1 ear Monthly Cap 1.90% 1.60% 2 ear Monthly Avg Cap 20.00% 15.00% 1 ear Pt-to-Pt Part (Dynamo) 80.00% 75.00%, plus 10% Benefit Base Bonus on first year premium, accumulated at 4.00% plus credited rate for up to 10 years Lifetime Income on the Benefit Base multiplied by the Income Percentage May begin anytime after 1st contract year and age 50. on 100% of premium 2.00% on 87.5% of premium NQ $5,000 Q $2,000 Additional Maximum $1 Million Q-NQ $2,000 Renewal MUST COMPLETE PRODUCT TRAINING BEFORE SUBMITTING BUSINESS TO EQUITRUST Allocation: Initial Premiim: Min Allocation of 2K in each acct. Can select any combo of accts sub to the min requirements. Indicate initial allocation above the Owner s signature section of the Disclosure Form. The initial premium allocation must be completed to issue the contract. Return of Guarantee. This rider is auto included on all contracts at no charge, subject to state availability. Free withdrawals: systematic withdrawals of interest are allowed in the 1st yr from the 1-yr interest acct w/o Surr Charge or. withdrawals must be taken via EFT. After 1st contract yr, up to 10% of the accum value on the previous contract ann may be withdrawn each contract yr w/o Surr Charge or, either systematically or as a single withdrawal. 10% free withfrawals after year 1. Nursing home wavier. Monthly interest option. Death Benefit equals full accumulation value. Can annuitize after yr 5 for minimum 5 year or longer. Income Life rider not available in FL, IL, MN, & WA. Rates Effective as of years (10,10,10,10 10,9,8,7,6,4) (DE - 10 years: (9,8,7,6.5,5.5,4.5, 3.5,2.5,1.5,0.5%) (9 ears: CA Only: 8.3, 7.4, 6.5, 5.6, 4.7, 3.8, 2.9, 1.9, 0.9) 10 years (12,12,12,12,11,10,8,6,4,2) (AK, CT, MN, UT, WA & OH) 9,8,7,6.5,5.5,4.5,3.5,2.5,1.5,.5) (TX 9,8,7,6.5,5.5,4.5,3.5, 2.5,1.5,.5) (CA: No) (CA: No) MarcSeven Index Annuity Income Rider (IBR) Info > W/O IBR W/ IBR 1 ear 3.00% 2.25% 1 ear Point-to-Point Cap 6.00% 5.00% 1 ear Point-to-Point Part 45.00% 38.00% 1 ear Monthly Avg Cap 7.00% 5.00% 1 ear Monthly Avg Par 70.00% 60.00% 1 ear Monthly Cap 1.75% 1.50% 2 ear Monthly Avg Cap 15.00% 12.00% 1 ear Pt-to-Pt Part (Dynamo) 90.00% 75.00%, plus 7% Benefit Base Bonus on first year premium,compounded at 7.00% annually for 7 years Lifetime Income on the Benefit Base multiplied by the Income Percentage May begin anytime after 1st contract year and age 50. on 87.5% of premium By current company practice, systematic withdrawals of interest are allowed in the first year from the 1-ear Account without charges. After the first contract year, up to 10% of the Accumulation Value on the previous contract anniversary may be withdrawn each contract year without Charge or, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT. Upon death of Owner, Accumulation Value. Chronic Illness Doubler 7 ears (9,8,7,6.5,5.5, ) (CA: 8.3,7.4,6.5, ,3.8,2.9) (CA & DE: No), OR MarketPower Bonus Index (12.00% Bonus - Vested Day -1) Income Rider (IBR) Info > W/O IBR W/ IBR 1 ear 1.50% 1 ear Point-to-Point Cap 3.00% 2.00% 1 ear Monthly Avg Cap 3.50% 2.75% 1 ear Monthly Avg Par 50.00% 30.00% 1 ear Monthly Cap 1.20% 2 ear Monthly Avg Part 8.00% 6.00%, plus any applicable Bonus, compounded at 6.00% annually for up to 10 years Lifetime Income on the Benefit Base multiplied by the Income Percentage May begin anytime after 1st contract year and age % on 87.5% of premium NQ/Q $2,000 Additional Maximum $1 Million 10% of accum. value after yr 1. Nursing home wavier. Monthly interest option. Death equals full accumulation value. Can annuitize after yr 5 for minimum 10 year or longer. Income Life rider not available in FL, IL, MN, & WA. 14 years (20,20,19,19,18,17,16, 14,12,10,8,6,4,2,0) 10 years in the following states: AK, CT, IL, MN, MT, NJ, NV, OH, OK, OR, PA, TX, UT, VT, WA) (19,17,15,13,11,10,8,6 4,2) 0-75 CA, DE,, (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. *Chargebacks - All commissions will be reversed under the following circumstances: Upon death of owner or surrender during months 1-6: 100% all products excluding Confidence Income. Upon death of owner or surrender during months 7-15: 50% all products excluding Confidence Income. Any commission paid after the date of death will be reversed 100%* **Income for life not available in FL, IL, MN,, WA 12

13 GLOBAL ATLANTIC FINANCIAL GROUP (FTA) Rates Effective as of INDEXED States Not Choice Accumulation II 5 r 7 r 10 r MSCI EAFE One-ear P-t-P with Cap 5.10% 5.25% 5.50% MSCI EAFE One-ear P-t-P Bailout Rate 3.00% 3.00% 3.00% S&P 500 One-ear P-t-P with Cap 5.65% 5.85% 5.95% S&P 500 One-ear P-t-P with Monthly Cap 1.80% 1.90% 2.00% PIMCO Balance Index One-ear P-t-P with Participation Rate 100% 105% 110% BlackRock Diversa Volatility Control Two ear P-t-P with Spread 0.75% 0.70% 0.65% Franklin US Index Two ear P-t-P with Spread 0.75% 0.70% 0.65% Fixed Rate 2.75% 2.85% 2.95% to 87.5% of $25,000 Maximum Up to 10% of the beginning-of-year contract value may be withdrawn annually without incurring a withdrawal charge. charges apply to amounts withdrawn in excess of the free withdrawal amount during the withdrawal charge period. A Market Value Adjustment refers to the potential fluctuation of the surrender value of the annuity in response to market conditions. Applies during the withdrawal charge period on withdrawals in excess of the free partial withdrawal amount. The also applies to annuitization during the withdrawal charge period when a withdrawal charge would also apply. Optional enhanced death benefit will be available at an annual cost of 0.50%, assessed at the end of the contract year, based off the Enhanced Death Benefit amount. The benefit will be comprised of a guaranteed roll-up of 7.00% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit. A minimum issue age of 0 and a maximum age of 75 will apply. 5 ears (9,8,7,6,5) 7 ears (9,8,7,6,5,4,3) 10 ears (9,9,8,7,6,5,4,3,2,1) 0-80 Choice Income II Income Builder Benefit Charge Schedule Income Multiplier Benefit Charge Schedule 7 r 10 r 7 r 10 r MSCI EAFE One-ear P-t-P with Cap 3.50% 3.75% 3.50% 3.75% MSCI EAFE One-ear P-t-P Bailout Rate 3.00% 3.00% 3.00% 3.00% S&P 500 One-ear P-t-P with Performance Trigger 3.25% 3.50% 3.25% 3.50% S&P 500 One-ear P-t-P with Monthly Cap 1.35% 1.45% 1.35% 1.45% PIMCO Balance Index One-ear P-t-P with Participation Rate 85% 90% 85% 90% BlackRock Diversa Volatility Control Two ear P-t-P with Spread 2.00% 1.50% 2.00% 1.50% Franklin US Index Two ear P-t-P with Spread 2.00% 1.50% 2.00% 1.50% Fixed Rate 1.90% 2.00% 1.90% 2.00% to 87.5% of $25,000 Maximum A Market Value Adjustment refers to the potential fluctuation of the surrender value of the annuity in response to market conditions. Applies during the withdrawal charge period on withdrawals in excess of the free partial withdrawal amount. The also applies to annuitization during the withdrawal charge period when a withdrawal charge would also apply. GLWB included at issue. Must be at least age 55 to activate the benefit. Income is provided after activation through annual guaranteed lifetime withdrawal amounts, known as Lifetime Annual Payments (LAP). The LAP is determined as a percentage of the Base Amount. The withdrawal base amount is a separate value that grows annually based on one of two options chosen at issue, described below. The Withdraw Base is not available as a death benefit or for cash value surrender. The GMSV is equal to the Payment less withdrawal proceeds. If GLWB income activation has not occurred, the GMSV is used for determining the following after the withdrawal charge period when greater than the contract value. 7 ears (9,8,7,6,5,4,3) 10 ears (9,9,8,7,6,5,4,3,2,1) N Income SE Ultra High Band $100k+ High Band $24,999- $99,999 Low Band - $24,999 5 r 7 r 10 r MSCI EAFE One-ear P-t-P with Cap 3.00% 3.00% 3.00% MSCI EAFE One-ear P-t-P Bailout Rate 3.00% 3.00% 3.00% S&P 500 One-ear P-t-P with Cap 3.25% 3.00% 3.00% S&P 500 One-ear P-t-P with Monthly Cap 1.25% 1.20% 1.20% PIMCO Balance Index One-ear P-t-P with Participation Rate 75% 65% 65% BlackRock Diversa Volatility Control Two ear P-t-P with Spread 3.00% 4.50% 4.50% Franklin US Index Two ear P-t-P with Spread 3.00% 4.50% 4.50% Fixed Rate 1.75% 1.50% 1.50% to 87.5% of Maximum The free withdrawal amount is the greater of: 10% of beginning of year contract value Any Required Distribution (RMD) imposed by the IRS on this contract s taken prior to beginning income benefits and those greater than the GLWB amount will reduce the Base and Lifetime Annual Payment amount. The reduction with be proportionate to the resulting reduction in the contract value, which may reduce the Base by more than the amount withdrawn. Designed with a Lifetime Benefit (GLWB) which provides income through guaranteed Lifetime Annual Payments (LAP) that clients cannot outlive (assuming no excess withdrawals). 10 ears (10,9,8,7,6, 5,4,3,2,1) N 13 (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

14 AMERICAN NATIONAL INSURANCE COMPA (ANL) INDEXED American National Strategy Plus - 10 ( Bonus) American National Strategy Plus ear 7-ear 1-r Specified Rate 4.50% 4.00% 1-r Point-to-Point Method: 100% Participation Cap 5.50% 5.25% 50% Participation Cap 6.75% 6.00% Lifetime Income Rider Fixed Rate 7.20% 7.20% Rider Charge 0.90% 0.90% to 87.5% of Free 10% withdrawal after year 1. Confinement waiver: charges may be waived when the contract owner is confined to a licensed hospital, licensed convalescent care facility, skilled nursing facility, custodial care facility, or licensed hospice facility for 60 or more days. This special waiver of surrender charge is available to you beginning 90 days after issue. Disability waiver: Prior to age 65, surrender charges may be waived when the contract owner is physically disabled, or diagnosed with a disabling terminal illness. This special waiver of surrender charge is available to you after issue. Ter- Lifetime Income Rider (Indexed Credit + Fixed Rate) NAIC States NQ & Q ( Bonus) Fixed Rate + Indexed Credit 4.20% + Indexed Credit 1.75% minal Illness Waiver: charges may be waived when the contract 7 ears (7,6,5,4,3,2,1) Accumulation Period 10 r 10 r Rider Charge 0.60% 0.60% Declared Rate 2.60% 2.45% 1-r Monthly Sum: Cap 1.55% 1.45% GREAT AMERICAN LIFE INSURANCE COMPA (GAA) INDEXED American Legend III Annuity GREAT American Safe Return Annuity Declared rate % S&P 500 Risk Control Annual Point to Point with Participation Rate - 60% S&P ear Annual Point to Point with Cap % S&P Monthly Sum with Cap % ishares U.S. Real Estate Annual Point-to-Point with Cap % GLD Annual Point-to-Point with Cap % S&P U.S. Retiree Spending Annual Point-to-Point with Par. Rate - 65% Declared Rate: 2.00% S&P 500 Risk Control Annual Point-to-Point with Par. Rate 50% 25% Bailout Rate S&P 500 Annual Point-to-Point with Cap 5.00% 3.00% Bailout Cap 1.25% on 100% of 1.25% on 100% of NQ & Q Additional Deposits $2,000 NQ & Q $25,000 owner is diagnosed with an injury or illness expected to result in death within 12 months. This special waiver of surrender charges is available to you after issue. Death Benefit: At the death of the owner, the greater of the Annuity Value or the Value will be paid. During the 1st contract yr, you may withdraw up to 10% of the Purchase Payment. After the first contract year, you may withdraw annually up to 10% of annuity s Account Value (based on prior Contract Anniversary), without incurring early withdrawal changes. ($500 min; Account Value must exceed $5,000) Full Account Value at Death. **See below! Extended care waiver rider: After the first contract year, if you are confined to a nursing home or long-term care facility for at least 90 consecutive days, early withdrawal charges will be waived on withdrawals up to a full surrender. There is no additional charge for this rider. Terminal illness waiver rider: After the first contract year, if you are diagnosed by a physican as having a terminal illness (prognosis of survival is 12 months or less, or a longer period as required by state law), you have the option to withdraw up to 100% of the account value without incurring an early withdrawal charge. There is no additional charge for this rider. During the 1st contract yr, you may withdraw up to 10% of the Purchase Payment. After the first contract year, you may withdraw annually up to 10% of annuity s Account Value (based on prior Contract Anniversary), without incurring early withdrawal changes. ($500 min; Account Value must exceed $5,000) Full Account Value at Death. L-T-C rider & Terminal illness rider. Annuitization for account value -used for income payout periods of 10 years of life at any time during 10-yr period. ESP program - Fixed dollar, life distributions, RMDs, 72(t) and 72(t) and 72 (q) available. Return of guarantee is available at no charge.**see below! Rates Effective as of ears (9,9,8,7,6,5,4,3,2,1) 7 ears <ages 58-85> (9,8,7,6,5,4,3) 10 ears (10,9,8,7,6,5, 4,3,2,1) Q -NQ Q -NQ (No in AK,FL, MO,WA) (No in FL,WA) N N States Not IA,, OR Rates Effective as of American Landmark 5 Declared Rate: >$100,000: 3.00%, <$100,000: 2.85% S&P 500 Risk Control Annual Point to Point with Participation Rate >$100,000: 65%, <$100,000: 60% S&P U.S. Retiree Spending Annual Point to Point with Participation Rate >$100,000: 70%, <$100,000: 65% 1.25% on 87.5% of Maximum During the 1st contract yr, 10% of purchase payments may be withdrawn without an early withdrawal charge. After 1st contract ann, 10% of acct value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge. A market value adjustment will apply to withdrawals or surrenders during the five-year term. 5 ears (9,8,7,6,5) Q 0-89-NQ (No in AK, CA, PA, UT and VA) S&P 500 Annual Point to Point with Cap >$100,000: 6.05%, <$100,000: 6.80% (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 14

15 GREAT AMERICAN LIFE INSURANCE COMPA (GAA) INDEXED American Custom-10 Declared Rate: >$150,000: 1.90%, <$150,000: 1.75% S&P 500 Risk Control Annual Point-to-Point with Participation Rate >$150,000: 55%, <$150,000: 50% S&P 500 Annual Point-to-Point with Cap >$150,000: 5.00%, <$150,000: 4.50% GLD Annual Point-to-Point with Cap >$150,000: 5.75%, <$150,000: 5.50% NO : in AK, CA, IN, MN, MO, OH, PA, TX, UT, VA Declared Rate: >$150,000: 1.90%, <$150,000: 1.70% S&P 500 Risk Control Annual Point-to-Point with Participation Rate >$150,000: 50%, <$150,000: 40% S&P 500 Annual Point-to-Point with Cap >$150,000: 4.80%, <$150,000: 4.40% GLD Annual Point-to-Point with Cap >$150,000: 5.50%, <$150,000: 5.25% *Only one rider may be selected and selected rider must be added at time of contract issue. 1.25% on 90% of Simple Income Option SM R NW NQ & Q $25,000 Max: 1 million issue ages 0-75 $750,000 issue ages $500,000 ages 81+ Tax qualifications: NQ and Inherited NQ. Q: 403(b) TSA (traditional and Roth), IRA (traditional, Roth, SEP, SIMPLE and Inherited), and 457(b). Waiver riders: Extended Care - 100% account value when criteria met. Terminal Illness - 100% account value when criteria met. Optional riders: Only one rider may be selected and must be added at issue. Cumulative-Free- Option - up to 25% (20% carryover plus 5% annual free withdrawal) Simple Income Option - 10% rollup for 10 years. Stacked Income Option - 5% rollup for 10 years plus 100% of interest credited to the AV for the life of the contract. Free withdrawal allowance: During first contract year, 5% of purchase payment. After first contract anniversary, 5% of the sum of the account value as of the most recent contract anniversary. Annitization for account value: greater of account value or GMSV used for all annuitizations. A fixed period of less than 10 years is available only as a death benefit settlement option. Loans: 403(b), governmental 457(b) loan: $1,000. Death Benefit: Greater of the account value or GMSV. Cumulative Free Option: This rider allows clients to carry over any unused portion of their contracts annual free withdrawal percentage, up to a maximum of 25%. (20% maximum carryover plus the contract s 5% annual free withdrawal) Rider issue ages: Q; NQ. This is an optional rider that must be added at issue and is available for a charge that is currently 0.25% of the AV. The charge is guaranteed not to change after issue and will be taken as withdrawals from the account value at the end of each contract year during the 10-year early withdrawal charge period. Not available in all states. Simple Income Option: Call us for details! Stacked Income Option: Call us for details! Extended Care Waiver: Call for details! Terminal Illness waiver: Call for details! s: $500; account value following withdrawal: $5,000. Stacked Income Option SM R NW age Q; NQ Income base growth Rollup credits Rollup credits + 100% of account value interest N/A Rollup credit 9% 5% N/A Maximum rollup period 10 years 10 years N/A Rider charge 0.95% of income base, deducted from account value. Subject to change upon reset. 1.25% of income base, deducted from account value. Subject to change at our discretion. Resets Starting first contract anniversary N/A Income base will never be less than the account value. Increasing income percentages 0.09% each year clients wait to start income payments Same as Simple Income Option N/A Enhanced income percentage during first five contract years N/A N/A Income payments immediately (age 55+) five years after rider effective date (age 55+) N/A Refund of rider charges available upon death es, if income payments haven t started Same as Simple Income Option N/A 10 ears (9.5,8.75,7.75, 6.75,5.75,4.75, 3.75,3,2,1) Q -NQ Inherited IRA 0-75 Inherited NQ Cumulative Free- Option R NW 0.25% of account value, deducted from account value. not to change after issue. end after 10 years. Client cannot cancel rider. Maximum penalty-free withdrawal N/A N/A 25% (20% maximum carryover, plus 5% annual free withdrawal) SPECIAL BROADCAST MESSAGE American Landmark 5 has the rates and features to INCREASE your sales! Call us Today!! The American Landmark 5 fixed-indexed annuity from Great American Life Insurance Company, offers your clients: Five-year declining early withdrawal charges Additional purchase payments accepted during first two contract months Competitive earning potential with participation rates up to 70% S&P 500 indexed strategy offers caps up to 5.25% During first contract year, penalty-free withdrawal of 10% of purchase payment 10% penalty-free withdrawals of account value after year one Extended Care Waiver Rider and Terminal Illness Waiver Rider are available Opportunity to receive lifetime income Rates Effective as of N/A Check out Great American s Income and Death Benefit Riders! For distribution partner use only. Not for use in sales solicitation. Call for disclaimer details! 15

16 GREAT AMERICAN LIFE INSURANCE COMPA (GAA) INDEXED American Legend - 7 Premier Bonus 5.75% Bonus! Premier Income Bonus Declared Rate: >$100,000: 3.00%, <$100,000: 2.90% S&P 500 Risk Control Annual Point-to-Point with Participation Rate >$100,000: 65%, <$100,000: 60% S&P 500 Annual Point-to-Point with Cap >$100,000: 6.15%, <$100,000: 5.90% GLD Annual Point-to-Point with Cap >$100,000: 7.25%, <$100,000: 7.00% NO : in AK, CA, UT and VA Declared Rate: >$100,000: 2.90%, <$100,000: 2.80% S&P 500 Risk Control Annual Point-to-Point with Participation Rate >$100,000: 60%, <$100,000: 55% S&P 500 Annual Point-to-Point with Cap >$100,000: 5.90%, <$100,000: 5.80% GLD Annual Point-to-Point with Cap >$100,000: 6.75%, <$100,000: 6.50% Declared Rate: >$150,000: 1.80%, <$150,000: 1.65% S&P 500 Risk Control Annual Point-to-Point with Participation Rate >$150,000: 35%, <$150,000: 35% S&P U.S. Retiree Spending Annual Point-to-Point with Participation >$150,000: 40%, <$150,000: 35% S&P 500 Annual Point-to-Point with Cap >$150,000: 3.25%, <$150,000: 3.00% NO : in AK, CA, and UT Declared Rate: >$150,000: 1.70%, <$150,000: 1.55% S&P 500 Risk Control Annual Point-to-Point with Participation Rate >$150,000: 35%, <$150,000: 30% S&P U.S. Retiree Spending Annual Point-to-Point with Participation >$150,000: 35%, <$150,000: 30% GLD Annual Point-to-Point with Cap >$150,000: 2.85%, <$150,000: 2.75% Declared Rate: >$150,000: 2.25%, <$150,000: 2.00% S&P 500 Risk Control Annual Point-to-Point with Participation Rate >$150,000: 50%, <$150,000: 45% S&P U.S. Retiree Spending Annual Point-to- Point with Participation Rate >$150,000: 50%, <$150,000: 45% S&P 500 Annual Point-to-Point with Cap >$150,000: 5.00%, <$150,000: 4.00% NO : in AK, CA, and UT Declared Rate: >$150,000: 2.15%, <$150,000: 1.90% S&P 500 Risk Control Annual Point-to- Point with Participation Rate >$150,000: 45%, <$150,000: 40% S&P U.S. Retiree Spending Annual Point-to- Point with Participation Rate >$150,000: 45%, <$150,000: 45% GLD Annual Point-to-Point with Cap >$150,000: 4.00%, <$150,000: 3.00% on 87.5% of on 87.5% of on 87.5% of NQ & Q Max: 1 million issue ages 0-75 $750,000 issue ages $500,000 ages 81+ NQ & Q Sub: $2,000 Max: 1 million issue ages 0-75 $750,000 issue ages $500,000 ages 81+ NQ & Q Sub.: $2,000 Max: 1 million issue ages 0-75 $750,000 issue ages $500,000 ages 81+ During this first contract year. 10% of purchase payments may be withdrawn without an early withdrawal charge or market value adjustment. After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge or market value adjustment. A market value adjustment will apply to withdrawals or surrenders during the seven-year term. The surrender value equals the greater of the account value less any early withdrawal charges or the guaranteed minimum surrender value. 5.75% purchase payment bonus; added to account value immediately but not fully vested until the seventh contract anniversary. During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge. After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge. A market value adjustment will apply to withdrawals or surrenders during the sevenyear term. The surrender value equals the greater of the account value less any early withdrawal charges and any non-vested bonus amount, plus or minus applicable s, or the guaranteed minimum surrender value. Built-in income rider offers 8% rider bonus, 8% rollup credits and 10-year rollup period. During this first contract year. 10% of purchase payments may be withdrawn without an early withdrawal charge or market value adjustment. After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge or market value adjustment. A market value adjustment will apply to withdrawals or surrenders during the seven-year term. The surrender value equals the greater of the account value less any early withdrawal charges or the guaranteed minimum surrender value. Waivers: Terminal Illness Waiver Extended Care Waiver Rates Effective as of ears (9,8,7, 6,5,4,3) 7 ears (6,5,4,3,3,3,3) 7 ears (6,5,4,3,3,3,3) NQ Inherited NQ 0-75 Inherited IRA 0-75 Qualified NQ Inherited NQ 0-75 Inherited IRA 0-75 Qualified NQ & Q 4 IA,, PA, W DE, IA, MN,, OR, PA, VT, VA, WA DE, IA, MN,, OR, VT, VA, WA 16

17 GUGGENHEIM LIFE & ANNUIT COMPA (GLA) Rates Effective as of INDEXED Highlander FIA Strategies Duration Rate 4% Bonus! Fixed 1 ear Fixed 2.50% S&P MARC 5 S&P 500 S&P ear Point-to-Point with Participation 1 ear Point-to-Point with Annual Cap 1 ear Point-to-Point with Participation 95% 4.25% 35% Contract Value (MGVC) is equal to 87.5% of premium less withdrawals, accumulated at the minimum guaranteed interest rate Qualified $5,000 NQ $500,000 Maximum 10% Annual Free Beginning in the second contract year. Nursing Home Care* This contract provides access to the full account value, without surrender charges and market value adjustment, should the owner become confined to a nursing home after the first contract anniversary. The contract must be issued prior to the owner s age of 76 and confinement in a nursing home must be for 90 continuous days. Not available in MA. Terminal Illness* If the owner is diagnosed with a critical illness (heart attack, stroke, life threatening cancer) or is deemed terminally ill by a physician, the full account value may be accessed without surrender charges and market value adjustment. Eligibility is subject to rider provisions which are: Terminal Illness-physician must certify that the owner s life expectancy is nine months or less. Critical Illness- The contract must have been purchased prior to the owner s age of 70. INCOME RIDER: 4% guaranteed roll-up + Stacking Credits for 20 ears Most States 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Variation 9% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 0-80 Highlander 7 FIA Strategies Duration Rate Fixed 1 ear Fixed 3.00% S&P MARC 5 S&P 500 S&P ear Point-to-Point with Participation 1 ear Point-to-Point with Annual Cap 1 ear Point-to-Point with Participation 120% 5.50% 50% Contract Value (MGVC) is equal to 87.5% of premium less withdrawals, accumulated at the Nonforfeiture Rate Qualified $5,000 NQ Additional $500 (1st contract year only) Maximum 10% Annual Free A single, penalty-free withrawal up to 10% of the account value may be taken beginning in the second contract year. charges and market value adjustment will be waived on any penalty-free amount withdrawn. Amounts withdrawn in excess of 10% of the penalty-free amount will incur a surrender charge and market value adjustment. If applicable. charges on Internal Revenue Service (IRS) required minimum distributions (RMD) exceeding the penalty-free amount will be waived. Nursing Home Care The contract provides full access to the account value, without surrender charges and market value adjustment, should the owner become confined to a nursing home after the first contract anniversary. The contract must be issued prior to the owner s age 76 and confinement in a nursing home must be for 90 continuous days. Not available in MA. Terminal Illness If the owner is diagnosed with a critical illness (heart attack, stroke, life threatening cancer) or is deemed terminally ill by a physican, the full account value may be accessed without surrender charges and market value adjustment. Eligibility is subject to rider provisions All States 10% 9% 8% 7% 6% 5% 4% 0-80 CA, (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 17

18 LINCOLN FINANCIAL GROUP (LFA) Rates Effective as of INDEXED Lincoln OptiPoint - 8 <$100k % (yrs 1-3) >$100k % (yrs 1-3) Lincoln OptiPoint - 10 <$100k % (yrs 1-4) >$100k % (yrs 1-4) Lincoln OptiBlend - 5 Under $100,000 Fixed Account: 1.90% Perf Triggered Rate: 3.15% 2 r Pt-to-Pt Cap: 8.25% 2r Monthly Cap: 2.40% Over $100,000 Fixed Acct: 1.90% Perf Triggered Rate: 3.15% 2-r Pt to Pt Cap: 8.25% 2-r Monthly Cap: 2.40% Under $100,000 Fixed Account: 1.90% Perf Triggered Rate: 3.15% 2 r Pt-to-Pt Cap: 8.25% 2yr Monthly Cap: 2.60% Over $100,000 Fixed Acct: 1.90% Perf Triggered Rate: 3.15% 2-r Pt to Pt Cap: 8.25% 2-r Monthly Cap: 2.40% Declared Rate: >$100,000: 3.05%, <$100,000: 2.60% 1-r Volatility Controlled P-t-P Indexed With Spread Account >$100,000: 1.05%, <$100,000: 1.25% Performance Triggered Specified Rate >$100,000: 4.50%, <$100,000: 4.00% 1-r P-t-P Indexed with Cap Account >$100,000: 6.50%, <$100,000: 5.50% -Q -NQ Additional Deposits $50 Month (Limit $25,000 per year) -Q -NQ Additional Deposits $50 Month (Limit $25,000 per year) NQ & Q Max: 2 million Annuitization allowed after 5th yr. Contracts issued on 1st, 8th, 15th & 22nd. 10% free withdrawals even in yr 1. Fixed account: Amounts can be allocated into or out of the Fixed Account during the 25-day reallocation period, after each contract anniversary date. Indexed accounts: At the end of the indexed term, amounts can be allocated into or out of the available indexed accounts during the 25-day reallocation period, after the contract ann date. The reallocation will be effective as of the contract anniversary date. The amt of the contract value available for reallocation on a contract anniversay equals: The fixed acct value + the sum of the indexed acct values for those indexed accts with indexed terms ending on the contract anniversary. Nursing home and terminal illness benefits: allows access to contract value w/o surr charge or if certain conditions are met. Please see the Disclosure statement for necessary criteria and conditions. Subject to state availability. Beginning in the first contract year without incurring charges. Death benefit: upon death of a contractowner, beneficiaries may receive the greater of the contract value or single premium paid minus any prior surrs and surr charges, accum at the guaranteed min fixed interest rate. Acct guarantees: min fixed interest rate is set at issue for the surr charge period and varies annually there after ranging between and 3.00%. Performance triggered Indexed Acct: min specificed rate: 2.50%. 2-ear Point-to-Point Indexed Acct: minimum indexed interest cap: 7.00%. 2-year Monthly cap Indexed acct: min monthly indexed cap: Beginning in the first contract year, up to 10% of contract value may be withdrawn each contract year without incurring charges. If you access more than the 10% annual free withdrawal before the end of the surrender charge period, it may be subject to a surrender charge and an. The is a positive or negative adjustment based on the current interest rate environment at time of surrender. The does not apply to withdrawals after the surrender charge period, the 10% annual free withdrawal, the death benefit, annuitized contracts, or contracts issued in selected states. 8 ears (9,8,7,6,5,4,3,2) 10 ears (10,9,8,7,6,5,4,3,2,1) 5 ears 0-80 NQ-Q AK, MN,, OR, UT AK, MN,, OR, UT Lincoln OptiBlend - 7 Declared Rate: >$100,000: 2.50%, <$100,000: 2.35% 1-r Volatility Controlled P-t-P Indexed With Spread Account >$100,000: 1.60%, <$100,000: 2.10% Performance Triggered Specified Rate >$100,000: 4.00%, <$100,000: 3.90% 1-r P-t-P Indexed with Cap Account >$100,000: 5.75%, <$100,000: 4.50% NQ & Q Max: 2 million Beginning in the first contract year, up to 10% of contract value may be withdrawn each contract year without incurring charges. If you access more than the 10% annual free withdrawal before the end of the surrender charge period, it may be subject to a surrender charge and an. The is a positive or negative adjustment based on the current interest rate environment at time of surrender. The does not apply to withdrawals after the surrender charge period, the 10% annual free withdrawal, the death benefit, annuitized contracts, or contracts issued in selected states. 7 ears NQ-Q Lincoln OptiBlend - 10 Declared Rate >100,000: 2.50%, <$100,000: 2.40% 1-r Volatility Controlled P-t-P Indexed With Spread Account >$100,000: 1.20%, <$100,000: 1.45% Performance Triggered Specified Rate >$100,000: 4.50%, <$100,000: 4.25% 1-r P-t-P Indexed with Cap Account >$100,000: 6.25%, <$100,000: 5.50% NQ & Q Max: 2 million Beginning in the first contract year, up to 10% of contract value may be withdrawn each contract year without incurring charges. If you access more than the 10% annual free withdrawal before the end of the surrender charge period, it may be subject to a surrender charge and an. The is a positive or negative adjustment based on the current interest rate environment at time of surrender. The does not apply to withdrawals after the surrender charge period, the 10% annual free withdrawal, the death benefit, annuitized contracts, or contracts issued in selected states. 10 ears NQ-Q 0-80 (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 18

19 NASSAU RE COMPA (PLA) Rates Effective as of FIXED INDEX ANNUITIES Blended Product Value / Contract Features Phoenix Personal Income Annuity 10 ear Charge Cap Par. Spread Monthly S&P % N/A N/A 1-r S&P Cap 2.75% N/A N/A 1-r S&P Par/Spread N/A 30% 2.00% 1-r CSTMAI N/A N/A 2.00% 2-r S&P Cap 4.15% N/A N/A 2-r S&P Par N/A 40% N/A 2-r S&P Par/Spread N/A 40% 2.00% 2-r CSTMAI N/A N/A 4.00% 3-r S&P Par/Spread N/A N/A 4.00% $15,000 Max: 87.5% of premiums less Penalty-free withdrawals up to 10% of contract value each year s for RMD associated with this contract will not incur withdrawal fees or Any withdrawals may be subject to federal and state income tax If taken prior to age 59 1/2, withdrawals may also be subject to a 10% federal penalty s taken in excess of free withdrawal amount during the surrender charge period will be subject to surrender charges and a market value adjustment For contracts that include an optional GMWB rider, withdrawals prior to rider exercise or in excess of the guaranteed amount will reduce the benefit base and therefore reduce future guaranteed withdrawal amounts s taken during the segment duration will not be included when calculating the index credit for that segment 10 ears (12,12,12,11,10,9 8,7,6,4) (Most States) ME, Fixed Account 1.50% 0-80 Phoenix Personal Protection Choice 10 ear Charge Cap Par. Spread Monthly S&P % N/A N/A Cap Par. Spread 1.60% N/A N/A Cap Par. Spread 1.60% N/A N/A 0.75% commission bonus through December 31st on all index products. 1-r S&P Cap 5.00% N/A N/A 1-r S&P Par/Spread N/A 58% 2.00% 1-r CSTMAI N/A N/A 0.50% 2-r S&P Cap 11.25% N/A N/A 2-r S&P Par N/A 58% N/A 2-r S&P Par/Spread N/A 75% 4.00% 2-r CSTMAI N/A N/A 0.00% 3-r S&P Par/Spread N/A 100% 9.00% Fixed Account 2.75% AL, AZ, AR, CA, CO, DC, GA, HI, ID, IL, KS, LA, MA, MI, NE, NM, ND, RI, SC, SD, TN, VT, WI, WV, W 4.50% N/A N/A N/A 53% 2.00% N/A N/A 10.00% N/A N/A N/A 52% N/A N/A 68% 4.00% N/A N/A 0.00% N/A 91% 9.00% Fixed Account % CT, DE, FL, IA, IN, K, MD, MS, MT, NV, NH, OH, OK, PA, TX, UT 4.50% N/A N/A N/A 53% 2.00% N/A N/A 10.00% N/A N/A N/A 52% N/A N/A 68% 4.00% N/A N/A 4.00% N/A 91% 9.00% Fixed Account % AK, MN, MO, NC, NJ, OR, VA, WA $15,000 Max Value 10 ears (12,12,12,11,10,9 8,7,6,4) (Most States) ME, 0.10% commission increase with eapp. /Contract Features The percentage of the benefit base available for withdrawal varies by rider, issue age and duration Benefit base stops growing when you begin guarantee withdrawals. s prior to rider exercise or in excess of the guaranteed amount will reduce the benefit base and amount of future guaranteed benefits income withdrawals are taken from your contract value and will reduce the enhanced death benefit (if elected). Over time, contract value could be withdrawn entirely, leaving no death benefit. s prior to rider exercise reduce the benefit base but do not stop the income roll-up. Roll-up is based on the premium adjusted for withdrawals Any withdrawals will reduce the family protection death benefit in the same proportion as the contract value is reduced 87.5% of premiums less 0-80 (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 19

20 NORTH AMERICAN COMPA FOR LIFE AND HEALTH INSURANCE * Bonus Paid on all new premium in first 7 contract years FIXED INDEX ANNUITIES 1 North American Charter Plus sm 10 year option Bonus 5.00% = $20,000 - $74, % = $75,000+ * Bonus Paid on all new premium in first 7 contract years 14 year option Bonus 10.00% = $20,000 - $74, % = $75,000+ * Bonus Paid on all new premium in first 7 contract years S&P 500 S&P 500 LOW VOLATILIT DAIL RISK CONTROL 5% (Not available in all states) S&P 500 LOW VOLATILIT DAIL RISK CONTROL 8% (Not available in all states) Index Cap Rate Product 10 ear 14 ear $75k+ Initial $20k-$74,999 Initial $75k+ Initial $20k-$74,999 Initial DA Index Margin (No Cap) 3.05% 3.05% 2.45% 2.45% MPP Index Cap Rate 1.50% 1.50% 1.65% 1.65% APP Index Cap Rate 3.65% 3.65% 4.15% 4.15% APP Participation Rate (No Cap) 30% 30% 35% 35% APP Index Margin (No Cap) 3.65% 3.65% 3.00% 3.00% Two-ear PTP Index Margin (No Cap) (Annual Index Margin Shown) Rates Effective as of % 4.90% 4.15% 4.15% NASDAQ-100 MPP Index Cap Rate 1.20% 1.20% 1.40% 1.40% Fixed Account Rate 1.90% 1.90% 2.20% 2.20% Bonus 8.00% 6.00% % Fixed Account 1st-ear ield (Fixed Rate + Bonus) 9.03% 6.99% 12.42% 10.37% Value 87.5% of premiums less $20,000 North American Charter Plus premium bonus special 1% premium bonus increase special on North American Charter Plus fixed index annuity 1 North American Charter Plus State Variations for AK, CA, DE, HI, MO, MN, NV, OH, OK, OR, PA, SC, TX, UT, VA, WA 10-EAR DA Index Margin (No Cap) 3.30% S&P 500 MPP Index Cap Rate 1.40% APP Index Cap Rate 3.50% APP Participation Rate (No Cap) 25% S&P 500 LOW VOLATILIT DAIL RISK CONTROL 5% (Not available in all states) APP Index Margin (No Cap) 3.85% S&P 500 LOW VOLATILIT DAIL RISK CONTROL 8% (Not available in all states) Two-ear PTP Index Margin (No Cap) (Annual Index Margin Shown) NASDAQ-100 MPP Index Cap Rate 1.15% Fixed Account Rate 1.80% Bands $75,000+ Initial $20,000-$74,999 Initial Bonus 7.00% 5.00% Fixed Account 1st-ear ield (Fixed Rate + Bonus) 8.92% 6.89% 5.15% See website for full disclaimer information. FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Rates effective 11/06/18. Rates and commissions are subject to change. Check for current state approvals. DK1360-A

21 NORTH AMERICAN COMPA FOR LIFE AND HEALTH INSURANCE Rates Effective as of FIXED INDEX ANNUITIES 1 /Contract Features 6 2 Commission North American Charter Plus sm 10 year option Bonus 5.00% = $20,000 - $74, % = $75,000+ * Bonus Paid on all new premium in first 7 contract years 14 year option Bonus 8.00% = $20,000 - $74, % = $75,000+ * Bonus Paid on all new premium in first 7 contract years FIXED INDEX ANNUITIES 1 North American VersaChoice Clients may transfer between Fixed & Index account options or crediting methods within Index account annually. ou have 30 days each contract anniversary to reallocate. Transfers not allowed until 1st contract yr. The ability to transfer annually for the 30 days is also by current company practice.annuitization Benefit: By current Company practice, proceeds may be converted to an annuity payment option after yr 1. Income payments will be based on the Accumulation Value if a Life, Life & Certain or Joint Life option is selected. Full acct value at death.10% of Accum Value each year after yr. 1 The penalty-free withdrawal will increase by 10% of the Accumulation Value. Death benefit accum value goes to beneficiary upon death. Receive lump sum or a series of payments. Bonus recapture provision. Index Cap Rate Only $75k+ Initial 10 ear $20k - 74,999k+ Initial S&P 500 MPtP Index Cap Rate 2.35% 2.10% APtP Index Cap Rate 6.00% 5.25% S&P MARC 5% ER S&P 500 LOW VOLATILIT DAIL RISK CONTROL 5% APtP Participation Rate (No Cap) APtP Index Margin (No Cap) APtP Index Margin (No Cap) 45% 40% 0.00% 0.65% 1.60% 2.25% Fixed Account 2.85% 2.50% Value 87.5% of premiums less See website for full disclaimer information. FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Rates effective 1/15/19. Rates and commissions are subject to change. Check for current state approvals. DK1360-A ears (10,10,9,9,8 8,7,6,4,2) 14 ears (12,12,11,11, 10,9,8,7,6, 5,4,3,2,1) Modified Single $20,000 Non- Qualified $20,000 Qualified 10 ears ears 0-75 (IN - age 0-74) (CA - age 0-52) (NH - age 0-74) es / Contract Features 10-ear 7.00% year % yrs 2&3 14-ear 7.00% year % yrs 2&3 1.75% yrs 4&5 Enhanced penalty-free withdrawals: Beginning in the second year, up to 20% of the beginning-of-year accumulation value penalty-free if no withdrawals, other than rider charges, were taken in the prior year. Return of premium: Any time after the second contract year, the client may terminate the contract and receive no less than the contract s net premium paid. Net premium is equal to initial and subsequent premiums minus any withdrawal amounts, excluding the rider cost, after any surrender charges or market value adjustment. ADL-based surrender charge waiver: If client is unable to complete two of the six activities of daily living (ADLs) after the issue date and otherwise qualifies, it s possible to get up to 100% of accumulation value immediately with no surrender charges. ADL-based payout benefit: After the second contract anniversary, if a client is unable to complete two of the six ADLs and otherwise qualifies, they may choose to draw an income over fi ve years that is based on an enhanced accumulation value amount (percentage varies by contract year, see chart). This accumulation value multiplier increases the longer money is kept in the annuity, maxing out after six years. See the brochure and disclosure for ADL definitions. *These features are available with optional ELB Rider for a.50% annual fee. 14 ear AK, CT, DE, HI, MN, MO, NV,, OH, OK, OR, PA, SC, TX, UT, VA, WA 6 10 ears (10,10,9,9, 8,8,7,6,4,2) 2 N

22 NORTH AMERICAN COMPA FOR LIFE AND HEALTH INSURANCE FIXED INDEX ANNUITIES 1 North American Performance Choice sm 12 Plus (5.00% Bonus on all deposits for 5 years.) Index Cap Rate Only APP MPP IPT S&P % 1.70% 5.75% S&P MARC 5% ER 1.25% N/A N/A DJIA SM 3.55% N/A N/A S&P Midcap % N/A N/A Russell % N/A N/A NASDAQ % 1.40% N/A EURO STOXX 5.45% N/A N/A Hang Seng 4.90% N/A N/A Fixed Account 2.25% Bonus 5.00% First ear ield % Value 87.5% of premiums less $2,000-Q - NQ ($50/mo. TSA) $1000 w/ EFT $100/ month-q / Contract Features Penalty Free s - After the 1st contract yr, withdrawal once per year not to exceed 10% of the Accumulation Value is available. Adjustment - Applied only during the Adjustment period to surrenders exceeding the applicable penalty-free amount and limited to the credited to the Accumulation Value. Annual Transfer Option: After the first year, you may transfer between available accounts and/or crediting methods on each contract anniversary. Value: Value never less than minimum required by state laws at the time of issue where the contract is delivered. Riders: Nursing Home Confinement Waiver (not available in all states) Optional GLWB Rider available - Income Pay Plus Bonus Recapture (12 Plus Only) 12 ears 100%, 95%, 90%, 85%, 80%, 70%, 60%, 50%, 40%, 30%, 20%, 10% Rates Effective as of ears (10,10,10,10, 10,9,8,7,6,5 4,2) TX 0-52 CA 0-48 SC AK, CT, DE, IL, MN, MO, MT,, NV, OH, OK, OR, PA, UT, VA, WA North American Performance Choice sm 8 Plus (3.00% Bonus on all deposits for 5 years.) Utah Rates - call for details!! APP MPP IPT S&P % 1.60% 5.50% S&P MARC 5% ER 1.35% N/A N/A DJIA SM 3.35% N/A N/A S&P Midcap % N/A N/A Russell % N/A N/A NASDAQ % 1.35% N/A EURO STOXX 5.10% N/A N/A Hang Seng 4.60% N/A N/A Fixed Account 2.15% Bonus 3.00% First ear ield % 87.5% of premiums less $2,000-Q - NQ ($50/mo. TSA) $1000 w/ EFT $100/ month-q Penalty Free s - After the 1st contract yr, withdrawal once per year not to exceed 10% of the Accumulation Value is available. Adjustment - Applied only during the Adjustment period to surrenders exceeding the applicable penalty-free amount and limited to the credited to the Accumulation Value. Annual Transfer Option: After the first year, you may transfer between available accounts and/or crediting methods on each contract anniversary. Value: Value never less than minimum required by state laws at the time of issue where the contract is delivered. Riders: Nursing Home Confinement Waiver (not available in all states) Optional GLWB Rider available - Income Pay Plus Bonus Recapture (8 Plus Only) 8 ears 100%, 90%, 80%, 70%, 60%, 50%, 40%,20% 6 8 ears (10,10,10,10, 9,8,5,3) SC 0-82 IN (UT - Call for details) See website for full disclaimer information. FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Rates effective 1/15/19. Rates and commissions are subject to change. Check for current state approvals. DK1360-A

23 NORTH AMERICAN COMPA FOR LIFE AND HEALTH INSURANCE Rates Effective as of FIXED INDEX ANNUITIES 1 Blended Product / Contract Features 6 NAC RetireChoice SM 10 (2.00% on first 5 year premium deposits.) LOW BAND ($20,000 - $249,999) HIGH BAND ($250,000+) Call For Details!!! 10 ear Charge MA APP PTP MPP IPT S&P % 5.20% 9.55% 2.00% 6.35% DJIA SM 60% 4.00% N/A N/A N/A S&P Midcap % 3.80% N/A N/A N/A NASDAQ-100 N/A 4.90% N/A 1.55% N/A Afternoon (PM) London Gold Market Fixing Price N/A 4.15% N/A N/A N/A Fixed Account 2.50% Bonus 2.00% First ear ield % $20,000 (premium bonus recapture) Value 87.5% of premiums less Additional Liquidity: For a cost, the optional Additional Benefit Rider offers additional liquidity when added to the Contract. 10% penalty-free withdrawals, beginning in the third contract year, increase to 20% if no withdrawals taken in the previous year. (this is the maximim amount) Return of premium is available in third contract year, less premium bonus, withdrawals and any rider costs (excluding the Additional Benefit Rider cost) 5% Additional Payout Benefit is available on Accumulation Value at payout, after the surrender charge period. Additional Bonus: Bonus increases from 2.5% to 5%. Additional Payout Benefit: 5% Accumulation Value at payout after the surrender charge period. Return of : in third contract year, less premium bonus, withdrawals and any rider costs (excluding the Additional Benefit Rider cost). The premium bonus recapture also applies to any increased premium bonus due to the Additional Benefit Rider and the cost of the Rider will continue to be deducted even if the part of the additional premium bonus has been recaptured. 10 ears (10,10,9,9, 8,8,7,6,4,2) AK, CT, DE, MN, MO,, NV, OR, SC, VT, WA (OK & OH - call for details) NAC IncomeChoice 10 LOW BAND ($20,000 - $249,999) HIGH BAND ($250,000+) Call For Details!!! 14 ear Charge MA APP PTP MPP IPT S&P 500 N/A 4.15% 30% 1.50% N/A S&P MARC 5% ER N/A 1.25% N/A N/A N/A S&P 500 Low APtP w/ Index Return Volatility Daily Threshold Threshold 8.00% Risk Control 5% Participation Rates Base Par Rate 30% Par Rate (No Cap) Enhanced 110% Fixed Account 1.80% GLWB Bonus 5.00% $20,000 Value 87.5% of premiums less Additional Liquidity: For a cost, the optional Additional Benefit Rider offers additional liquidity when added to the Contract. 10% penalty-free withdrawals, beginning in the third contract year, increase to 20% if no withdrawals taken in the previous year. (this is the maximim amount) Return of premium is available in third contract year, less premium bonus, withdrawals and any rider costs (excluding the Additional Benefit Rider cost) 4% Additional Payout Benefit is available on Accumulation Value at payout, after the surrender charge period. Additional Bonus: Bonus increases from 3% to 8%. Additional Payout Benefit: 4% Accumulation Value at payout after the surrender charge period. Return of : in third contract year, less premium bonus, withdrawals and any rider costs (excluding the Additional Benefit Rider cost). Additional Benefit Rider Bonus: The premium bonus recapture also applies to any increased premium bonus due to the Additional Benefit Rider and the cost of the Rider will continue to be deducted even if the part of the additional premium bonus has been recaptured ears (10,10,10,10, 10,9,8,6,4,2) 2 N See website for full disclaimer information. FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Rates effective 1/15/19. Rates and commissions are subject to change. Check for current state approvals. DK1360-A

24 NORTH AMERICAN COMPA FOR LIFE AND HEALTH INSURANCE FIXED INDEX ANNUITIES Strategic Design Annuity X INDEXED Blended Product Value 87.5% of premiums less $50,000 SAGICOR LIFE INSURANCE COMPA (Sagicor) Sage Select Fixed Indexed (4.00% Immediate Bonus on Initial ) Sage Secure FIA 10 ear S&P 500 MPtP Index Cap Rate 2.00% APtP Index Cap Rate 5.25% APtP Participation Rate (No Cap) 45% APtP w/ Negative Index Return Threshold % Inverse Base Declared Performance Rate 2.00% Edge Trigger Enhanced Declared Performance Rate 8.00% S&P MARC APtP Participation Rate (No Cap) 100% 5% ER Two-ear PtP Participation Rate (No Cap) 130% Fixed Account 2.35% Declared Rate Strategy Rate: 2.00% S&P 500 Index Strategy Cap: 4.00% Global Multi Index Strategy 3 Participation Rate 40.00% Declared Rate S&P 500 Index 1 r Point-to-Point Global Multi-Index 1 r Point-to-Point w/par 10 ear 2.80% 6.30% 70% 7 ear 2.75% 6.15% 65% 5 ear 2.35% 6.00% 60% 3.00% on 87.5% of This value is 87.5% of the single premium paid See website for full disclaimer information. FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Rates effective 1/15/19. Rates and commissions are subject to change. Check for current state approvals. DK1360-A7394 Single Purchase Payment $2,000 (no inherited IRA s) Amount () Maxium Amount $750,000 / Contract Features After the first contract anniversary, up to 7% of the initial premium each year. lifetime withdrawal benefit (GLWB): GLWB value roll-up of 200 percent of the interest credited expedites potential income growth Enhanced penalty-free withdrawals: Annual penalty-free withdrawal percentage starts at 10 percent after the first contract anniversary but can grow as large as 32 percent. Lifetime income option: Level or increasing options for lifetime payments. Lifetime payment amount multiplier (may not be available in all states): Doubled lifetime payment amount up to five years, eligibility based on inability to perform two of six activities of daily living (ADLs4). Accumulation value step-up: On the ninth and 10th contract anniversaries, if interest credits are less than the total amount of rider charges incurred the accumulation value will increase by the accumulation value step-up amount. Penalty Free s - Beginning in year 2, the owner can withdraw up to 10% each year. If this amount is not withdrawn it is cumulatively added to the following years penalty free withdrawal, up to 50%. Allocation Dates - Can occur the 1st, 8th, 15th or 22nd day of the month. Nursing Home Facility or Confirmed Care Facility Confinement - If owner qualifies, the maximum free withdrawal percentage will be 100%. Death of Owner - Death benefit will be paid if the owner dies before the maturity date. It will be paid in one lump sum or an available settlement option may be chosen. Penalty Free s allowed: -Maxium Penalty Free Percentage: 10% each year (Beginning contract year 2) -Nursing Home Facility, Confined Facility Care Confinement or Terminal Illness: Maximum Penalty Free - percentage will be 100% when certain nursing home, confined care facility confinement or terminal illness conditions are met (Beginning day 1) Transfer/Relocations are allowed at the end of each 1-year term period Market Value Adjustment () Maturity is reached on the contract anniversary following the Annuitant s 100th birthday The Death Benefit may be paid out in a lump sum or an available settlement option may be chosen Rates Effective as of ears (9,8,7,6,5,4,3,2,1) 10 ears (9,9,8,7,6, 5,4,3,2,1) 7 ears (9,8,7,6,5,4,3) 5 ears (9,8,7,6,5) 10 ears (10,10,10,10,10 9,8,7,6,4,2) N days to age 85-NQ 15 days to age 85-Q age for owner and Annuitant 15 days to 90 years (Age last birthday N CA, MT, NC AK, CT, ME,, VT AK, CA, CT, ME, MT,, VT Before sending business to Sagicor: Every agent in all states must have it confirmed that the appointment process has been completed and product training has been successfully completed. 24

25 OXFORD LIFE INSURANCE COMPA INDEXED Royal Select FIA 8% Bonus! Fixed Rate: 2.25% Annual Point-to-Point Cap: 4.10% Monthly Average Cap: 4.10% Optional GLWB Income Account Rate: 6.75% 1% on 87.5% of premium - $350,000 Beginning in the second year: up to 10% of accumulated value Waiver of / : Terminal Illness Benefit, Home Health Benefit, Nursing Home Benefit Market Value Adjustment (): the market value adjustment is applied only during the surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount. Rates Effective as of years (10,9,8,7,6,5,4,3,2,1) AL, MT, MS,, VT, WV Silver Select FIA 4% Bonus! Fixed Rate: 2.65% Annual Point-to-Point Cap: 4.95% Monthly Average Cap: 4.95% Optional GLWB Income Account Rate: 6.75% 1% on 87.5% of premium - $350,000 Beginning in the second year: up to 10% of accumulated value Waiver of / : Terminal Illness Benefit, Home Health Benefit, Nursing Home Benefit Market Value Adjustment (): the market value adjustment is applied only during the surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount. 10 years (10,9,8,7,6,5,4,3,2,1) AL, MT, MS,, VT, WV Select Series: Select 3 Fixed Rate: 2.60% Beginning in the second year: up to 10% of accumulated value Annual Point-to-Point Cap: 4.50% Monthly Average Cap: 4.50% 1% on 87.5% of premium - $350,000 Waiver of / : Terminal Illness Benefit, Home Health Benefit, Nursing Home Benefit Market Value Adjustment (): the market value adjustment is applied only during the surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount. 10 years (10,9,8,7,6,5,4,3,2,1) AL, CA, MS,, VT, WV Select Series: Select 5 Fixed Rate: 3.00% Beginning in the second year: up to 10% of accumulated value Annual Point-to-Point Cap: 5.25% Monthly Average Cap: 5.25% 1% on 87.5% of premium - $350,000 Waiver of / : Terminal Illness Benefit, Home Health Benefit, Nursing Home Benefit Market Value Adjustment (): the market value adjustment is applied only during the surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount. 10 years (10,9,8,7,6,5,4,3,2,1) AL, CA, MS,, VT, WV Select Series: Select 7 Fixed Rate: 3.05% Beginning in the second year: up to 10% of accumulated value Annual Point-to-Point Cap: 5.40% Monthly Average Cap: 5.40% 1% on 87.5% of premium - $350,000 Waiver of / : Terminal Illness Benefit, Home Health Benefit, Nursing Home Benefit Market Value Adjustment (): the market value adjustment is applied only during the surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount. 10 years (10,9,8,7,6,5,4,3,2,1) AL, CA, MS,, VT, WV Select Series: Select 10 Fixed Rate: 3.05% Beginning in the second year: up to 10% of accumulated value Annual Point-to-Point Cap: 5.80% Monthly Average Cap: 5.80% 1% on 87.5% of premium - $350,000 Waiver of / : Terminal Illness Benefit, Home Health Benefit, Nursing Home Benefit Market Value Adjustment (): the market value adjustment is applied only during the surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount. 10 years (10,9,8,7,6,5,4,3,2,1) AL, CA, MS,, VT, WV (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 25

26 GREAT PROTECTIVE AMERICAN LIFE INSURANCE LIFE INSURANCE COMPA COMPA (PLIC)(GAA) INDEXED Protective Indexed Annuity II 5 ear Return of Option available with lower caps/rates s under $100,000 Fixed Account 2.30% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 5.35% Annual Trigger Rate 4.35% Annual Rate Cap for Term 5.35% s over $100,000 Fixed Account 2.45% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 5.65% Annual Trigger Rate 4.65% Annual Rate Cap for Term 5.65% Caps & Rates are lower in Non- states 1.25% on 100% of Additional Deposits $1,000 1st year only 10% penalty free withdrawal available each year. Nursing facility, terminal illness & unemployment waivers. Full accumulation upon death Rates Effective as of ears (9,9,8,7,6) charges differ in CA, IA & OR except AK, MO, PA, UT, VT Protective Indexed Annuity II 7 ear Return of Option available with lower caps/rates s under $100,000 Fixed Account 2.40% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 5.45% Annual Trigger Rate 4.45% Annual Rate Cap for Term 5.45% s over $100,000 Fixed Account 2.55% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 5.75% Annual Trigger Rate 4.75% Annual Rate Cap for Term 5.75% Caps & Rates are lower in Non- states 1.25% on 100% of Additional Deposits $1,000 1st year only 10% penalty free withdrawal available each year. Nursing facility, terminal illness & unemployment waivers. Full accumulation upon death 7 ears (9,9,8,7,6,5,4) charges differ in CA, IA & OR except AK, MO, PA, UT, VT Protective Indexed Annuity II 10 ear Return of Option available with lower caps/rates s under $100,000 Fixed Account 2.65% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 5.70% Annual Trigger Rate 4.70% Annual Rate Cap for Term 5.70% s over $100,000 Fixed Account 2.80% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 6.00% Annual Trigger Rate 5.00% Annual Rate Cap for Term 6.00% Caps & Rates are lower in Non- states 1.25% on 100% of Additional Deposits $1,000 1st year only 10% penalty free withdrawal available each year. Nursing facility, terminal illness & unemployment waivers. Full accumulation upon death 10 ears (9,9,8,7,6,5,4,3,2,1) charges differ in CA, IA & OR except AK, MO, PA, UT, VT Protective Indexed Annuity II New ork 5 ear Return of Option available with lower caps/rates s under $100,000 Fixed Account 1.95% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 4.10% Annual Triggered Rate 3.35% s over $100,000 Fixed Account 2.20% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 4.55% Annual Triggered Rate 3.90% 1.25% on 100% of Additional Deposits $1,000 1st year only 10% penalty free withdrawal available each year. Nursing facility, terminal illness & unemployment waivers. Full accumulation upon death 5 ears (9,9,8,7,6) N AVAILABLE ONL IN Protective Indexed Annuity II New ork 7 ear Return of Option available with lower caps/rates s under $100,000 Fixed Account 2.05% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 4.35% Annual Triggered Rate 3.45% s over $100,000 Fixed Account 2.30% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 4.65% Annual Triggered Rate 4.00% 1.25% on 100% of Additional Deposits $1,000 1st year only 10% penalty free withdrawal available each year. Nursing facility, terminal illness & unemployment waivers. Full accumulation upon death 7 ears (9,9,8,7,6,5,4) N AVAILABLE ONL IN Protective Indexed Annuity II New ork 10 ear Return of Option available with lower caps/rates s under $100,000 Fixed Account 2.10% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 4.40% Annual Triggered Rate 3.60% s over $100,000 Fixed Account 2.35% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 4.70% Annual Triggered Rate 4.15% 1.25% on 100% of Additional Deposits $1,000 1st year only 10% penalty free withdrawal available each year. Nursing facility, terminal illness & unemployment waivers. Full accumulation upon death 10 ears (9,9,8,7,6,5,4,3,2,1) charges differ in CA, IA & OR N AVAILABLE ONL IN Protective Asset Builder 6 ear s under $100,000 Fixed Account 2.35% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 5.40% Annual Triggered Rate 4.40% s over $100,000 Fixed Account 2.50% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 5.70% Annual Triggered Rate 4.70% 1.25% on 100% of Additional Deposits $1,000 1st year only 10% penalty free withdrawal available each year. Nursing facility, terminal illness & unemployment waivers. Full accumulation upon death 6 ears (9,8,7,6,5,4) Protective Asset Builder 8 ear s under $100,000 Fixed Account 2.55% Participation Rate 91% S&P 500 Annual Pt-to-Pt Cap 5.60% Annual Triggered Rate 4.60% s over $100,000 Fixed Account 2.70% Participation Rate 100% S&P 500 Annual Pt-to-Pt Cap 5.90% Annual Triggered Rate 4.90% 1.25% on 100% of Additional Deposits $1,000 1st year only 10% penalty free withdrawal available each year. Nursing facility, terminal illness & unemployment waivers. Full accumulation upon death 5 ears (9,9,8,7,6) (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. Annual Trigger Rate: This strategy credits a predeterminded trigger interest rate when index performance is flat or positive. When index performance is negative, no interest is credited for that year. Annual Tiered Rate: This strategy credits a base interest rate when index performance is flat or positive and a performance index performance reaches a specified performance tier. When index performance is negative, no interest is credited for that year. Effective 3/15/2016, the S&P 500 Index must have an annual return of 15.00% for the performance interest rate enhancement to be applied. 26

27 Last Updated 02/13/19 TRADITIONAL FIXED Annuity Product Reference Guide February 2019 OPEN HERE! our potential annuity sales await! Check out this product from Sagicor Life! Milestone MGA Multi-ear Annuity CHECK OUT THESE FEATURES! Develop milestones for your business! NOW AVAILABLE! Guarantee Period 100K+ 50K+ 15K+ 7 ear 3.85% 3.55% 3.05% 5 ear 3.75% 3.15% 2.65% 3 ear 3.00% 2.35% 1.75% Sagicor Life is rated A- by AM Best! eapplication and Paper options available ages 15 days to 90 years $15,000 () 3, 5, and 7 ear Charge periods 10% penalty free withdrawals* beginning in year 2 Call us Today! Contact us Today! rates, participation rates and caps are current as of August 1, rates and caps are subject to change at any time and at the discretion of the company. Insurance and annuities issued by Sagicor Life Insurance Company. Home office: Scottsdale, AZ. Products have limitations and restrictions including surrender charges and market value adjustments and are not available in all states. Guarantees are based on the claims-paying ability of Sagicor. Sagicor does not provide tax or estate planning advice. Consult tax professional(s). Contract form: ICC Sagicor Life Insurance Company is rates A- (Excellent) by A.M. Best Company (4th best out of 16 possible ratings). This rating is based on Sagicor Life s financial strength and ability to meet its ongoing obligations. INSURANCE PROFESSIONALS ONL. NO PUBLIC DISTRIBUTION. (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

28 Table of Contents - Company Overviews 3 MULTI-EAR GUARANTEES 4 AMERICAN EQUIT INVESTMENT LIFE INSURANCE COMPA A.M. Best Rating = A- (excellent) (888) AMERICAN GENERAL LIFE COMPANIES* Policies issued by American General Life and United States Life ( only) A.M. Best Rating* = A (excellent) (888) AMERICAN NATIONAL INSURANCE COMPA A.M. Best Rating = A (excellent) (800) ATHENE ANNUIT & LIFE ASSURANCE COMPA A.M. Best Rating = A (excellent) (855) , option 1 7 THE CAPITOL LIFE INSURANCE COMPA A.M. Best Rating = B++ (good) (800) EQUITRUST LIFE INSURANCE COMPA A.M. Best Rating = B++ (good) (866) GLOBAL ATLANTIC FINANCIAL GROUP A.M. Best Rating = A (excellent) (866) GREAT AMERICAN LIFE INSURANCE COMPA A.M. Best Rating = A (excellent) (800) x GUGGENHEIM LIFE & ANNUIT COMPA A.M. Best Rating = B++ (good) (800) LIBERT BANKERS LIFE INSURANCE COMPA A.M. Best Rating = B++ (good) (800) LINCOLN FINANCIAL GROUP A.M. Best Rating = A+ (superior) (800) MUTUAL OF OMAHA A.M. Best Rating = A+ (superior) (800) x NASSAU RE COMPA A.M. Best Rating = B (good) NORTH AMERICAN COMPA FOR LIFE AND HEALTH A.M. Best Rating = A+ (superior) (877) x OXFORD LIFE INSURANCE COMPA A.M. Best Rating = A- (excellent) (800) SAGICOR LIFE INSURANCE COMPA A.M. Best Rating = A- (excellent) (888) x (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. *The most prominent independent ratings agencies continue to recognize American General Life Insurance Company in terms of insurer financial strength. For current insurer financial strength ratings, please consult our Internet Web page, See Advertising Disclosures for additional information.

29 Company AM Best Rating Multi-ear Guarantees Product Name 1st ear Rate GUARANTEE PERIOD Rate Thereafter Average Annual ield Liberty Bankers Life B++ 3 years Bankers Elite % 3.25% yrs % Athene Annuity A 3 years MaxRate % 2.25% yrs % Equi-Trust Life B++ 3 years Certainty Select % 2.25% yrs % Guggenheim B++ 3 years Preserve MG % 3.10% yrs % Oxford Life A- 3 years Multi-Select MG % 2.85% yrs % Guggenheim B++ 5 years Preserve MG % 3.25% yrs % Oxford Life A- 5 years Multi-Select MG % 3.30% yrs % North American A+ 5 years Guarantee Choice % 3.05% yrs % Liberty Bankers Life B++ 5 years Bankers Premier % 3.50% yrs. 2-5 GREAT 3.50% Nassau RE B 5 years MAnnuity5X 3.85% 3.85% yrs % Nassau RE B 5 years MAnnuity5X (10% Free ) 3.65% 3.65% yrs % Liberty Bankers Life B++ 5 years Premier Plus % 3.30% yrs % Liberty Bankers Life B++ 5 years Bankers Elite % 3.75% yrs. 2-5 HOT 3.75% American National A 6 years Palladium MG % 3.55% yrs % Guggenheim B++ 6 years Preserve MG % 3.30% yrs % EquiTrust Life B++ 6 years Choice Four: & Liquidity Option 4.50% Min. 2.00% yrs 2-6 GREAT Varies American Equity A- 6 years Guarantee % 2.45% yrs % North American A+ 6 years Guarantee Choice % 2.80% yrs % Liberty Bankers B++ 7 years Bankers Elite % 3.80% yrs. 2-7 HOT 3.80% Oxford Life A- 7 years Multi-Select MG % 3.50% yrs % Sagicor ($100k+) A- 7 years Milestone % 3.85% yrs % Liberty Bankers Life B++ 7 years Bankers Premier % 3.55% yrs % North American A+ 7 years Guarantee Choice % 2.85% yrs % American National A 7 years Palladium MG % 3.50% yrs % American Equity A- 7 years Guarantee % 2.60% yrs % Guggenheim B++ 7 years Preserve MG % 3.40% yrs % Liberty Bankers Life B++ 7 years Bankers % 3.25% yrs % North American A+ 8 years Guarantee Choice % 2.95% yrs % Guggenheim B++ 8 years Preserve MG % 3.45% yrs % Equi-Trust Life B++ 8 years Certainty Select % 2.85% yrs. 2-8 GREAT 2.85% North American A+ 9 years Guarantee Choice % 3.00% yrs % American National A 9 years Palladium MG % 3.40% yrs % Guggenheim B++ 9 years Preserve MG % 3.50% yrs % Oxford Life A- 10 years Multi-Select MG % 3.65% yrs % Guggenheim B++ 10 years Preserve MG % 3.55% yrs GREAT 3.55% EquiTrust Life B++ 10 years Certainty Select % 3.00% yrs % North American A+ 10 years Guarantee Choice % 3.10% yrs % For Agents Use Only. Call for state approvals. Rates and commissions subject to change. Check individual commission schedules for guaranteed accuracy and descriptions. (Low Band Rates Shown) 3

30 AMERICAN EQUIT INVESTMENT LIFE INSURANCE COMPA (AEI) FIXED PRODUCTS Guarantee 5 Guarantee 6 Guarantee 7 FIXED PRODUCTS Guarantee % Guarantee % Guarantee % MGIR: ly : Maximum: 18-69: $1,500, : 75-80: $750, : $500,000 AMERICAN GENERAL LIFE COMPANIES (AGLC) Annually, Penalty-free withdrawal of interest credited that contract year. Systematic & RMD immediately 5 years (9, 8, 7, 6, 5, 0%) 6 years (9, 8, 7, 6, 5, 4, 0%) 7 years (9, 8, 7, 6, 5, 4, 3, 0%) Q and NQ Rates effective as of American Pathway SM Fixed 5 Annuity With Guarantee ROP: >$100,000 ear % () 2.80% <$100,000 ear % () 2.60% Without Guarantee ROP: >$100,000 ear % () 3.00% <$100,000 ear % () 2.80% $5,000 NQ $2,000 Q Penalty-Free Privilege: After 30 days from contract date Extended Care Waiver: After 1st contract year, early withdrawal charge fees will be waived if the owner is confined to a qualifying insitution or extended care facility for 90 consecutive days or longer. Terminal Illness Waiver: Early withdrawal charge fees will be waived on one full or partial withdrawal upon the diagnosis of a terminal illness that will result in the death of a contract owner within one year. Written documentation from a qualified physician is required. Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she may elect to become the new owner or receive a disttibution Optional Return of Guarantee: The annuity may be returned at anytime for an amount equal to the single premium paid, less prior withdrawals, or the withdrawal value, whichever is greater. Adding this feature will result in a slightly lower initial interest rate than a contract without the feature would receive. 5 years (9,8,7,6,5) 0-90 ( in ) in all states, some varations ( is not available in ) American Pathway SM Fixed 7 Annuity With Guarantee ROP: >$100,000 ear % () 3.00% <$100,000 ear % () 2.80% Without Guarantee ROP: >$100,000 ear % () 3.05% <$100,000 ear % () 2.85% $5,000 NQ $2,000 Q Penalty-Free Privilege: After 30 days from contract date Extended Care Waiver: After 1st contract year, early withdrawal charge fees will be waived if the owner is confined to a qualifying insitution or extended care facility for 90 consecutive days or longer. Terminal Illness Waiver: Early withdrawal charge fees will be waived on one full or partial withdrawal upon the diagnosis of a terminal illness that will result in the death of a contract owner within one year. Written documentation from a qualified physician is required. Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she may elect to become the new owner or receive a disttibution Optional Return of Guarantee: The annuity may be returned at anytime for an amount equal to the single premium paid, less prior withdrawals, or the withdrawal value, whichever is greater. Adding this feature will result in a slightly lower initial interest rate than a contract without the feature would receive. 7 years (9,8,7,6,5,4,2) 0-90 ( in ) in all states, some varations ( is not available in ) American Pathway SM Solutions MG Low Band High Band 5 ear 3.20% 3.50% 6 ear 3.20% 3.50% 7 ear 3.20% 3.50% 10 ear 3.20% 3.50% 1.50% NQ $2,000 Q Penalty-Free Privilege: After ear 1, 15% free withdrawals. After 30 days from contract date Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she may elect to become the new owner or receive a disttibution Early Charge Waiver: After the first contract year, withdrawal charge fees will be waived if the owner cannot perform two or more of the six defined activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) for at least 90 consecutive days. Written certification by a licensed healthcare practitioner is required. 10 years (8,8,8,7,6,5,4,3,2,1) In New ork 7 ears (7,6,5,4,3,2,1) in all states, some varations. (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. Policies issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, TX The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility. AGL does not solicit business in the state of New ork. Policies (or annuities) and riders not available in all states.these contracts are not insured by the FDIC, the Federal Reserve Board or any similar agency. The contract is not a deposit or other obligation of, nor is it guaranteed or endorsed by, any bank or depository institution. 4

31 AMERICAN NATIONAL INSURANCE COMPA (ANL) FIXED PRODUCTS Palladium MG High Band Shown. Under $100,000, subtract 10 basis points 5 ear 6 ear 7 ear 8 ear 9 ear 10 ear 1st ear 4.35% 3.65% 4.60% 3.65% 5.50% 4.65% Base Rate 3.35% 3.65% 3.60% 3.65% 3.50% 3.65% ield 3.55% 3.65% 3.74% 3.65% 3.72% 3.75% NAIC States 1.75% $5,000 Monthly interest option. 10% free beginning yr 2. Transplant surgery waiver. Confinement Waiver. thru issue ages. Full account value paid at death. 5-yr 8,8,8,7,6 6-yr (8,8,8,7,6,5) 7-yr (8,8,8,7,6,5,4) 8-yr(8,8,8,7,6,5,4,3) 9yr 8,8,8,7,6,5,4,3,2 10yr 8,8,8,7,6,5,4,3,2,1 (30 day bail out after guaranteed period) Rates effective as of States Not UT Century Plus >$100,000 r %, Base Rate % <$100,000 r %, Base Rate % Lifetime Income Rider Fixed Rate % Accumulated Period - 10 ears Rider Enhancement - N/A Rider Charge % NAIC States 1.75% $5,000 Max - Starting in the first contract year, you can withdraw up to 10% of your annuity value as of the beginning of your annuity s contract year, without any surrender charges. ou can request an amount to be withdrawn from Century Plus on a regular basis. They systematic withdrawal can be for either the earned interest only or for a specific fixed amount. Please keep in mind that when the sum of any systematic withdrawal payments and partial surrenders exceeds 10% of the contract s beginning year annuity value, a surrender charge and market value adjustment or excess interest deduction, if applicable, will be charged. 10 years (10,9,8,7,6,5,4,3,2,1) CA (9,8,7,6,5,4,3,2,1,0) 0-80 Diamond Citadel - 5 (2 year rate) 1st ear Base Rate >$100, % 2.60% <$100, % 2.50% NAIC States 1.75% $5,000- (Initial deposits over $100,000 receive.10 additional basis points) 10% Penalty Free beginning year 1. Mo. interest option. Full account value paid at death. Principal Guarantee: surrender value is a return of premiums paid, less any cumulative withdrawals. The policy will now be owner driven. The death benefit will be paid only upon death of owner, not the annuitant. Please note this will affect chargebacks. In the event of a death or full surrender in the first year, and owner is over 80, there will be a 100% chargeback. Now being marketed as only Confinement and Disability. The definition of Confinement is changing from 60 days to 30 days. If the contract owner is confined for will be imposed on any surrender or withdrawal. Please note Terminal Illness is included in the disability waiver. 5 years (7,7,7,6,5) NQ & Q N in all states Diamond Citadel - 7 (2 year rate) 1st ear Base Rate >$100, % 2.70% <$100, % 2.60% NAIC States 1.75% $2,000Q $5,000NQ (Initial dep. over $100K receive.10 add. basis points.) Add. Prem $1,000 random or $100/ mo. bank draft. 10% Penalty Free beginning year 1. Mo. interest option. Full account value paid at death. Principal Guarantee: surrender value is a return of premiums paid, less any cumulative withdrawals. The policy will now be owner driven. The death benefit will be paid only upon death of owner, not the annuitant. Please note this will affect chargebacks. In the event of a death or full surrender in the first year, and owner is over 80, there will be a 100% chargeback. Now being marketed as only Confinement and Disability. The definition of Confinement is changing from 60 days to 30 days. If the contract owner is confined for will be imposed on any surrender or withdrawal. Please note Terminal Illness is included in the disability waiver. 7 years (7,7,7,6,5,4,2) NQ & Q N in all states (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 2) Two year charge back - 100% year 1 & 50% year 2 5

32 ATHENE ANNUIT & LIFE ASSURANCE COMPA (ALA) FIXED PRODUCTS MaxRate: Multi-ear Fixed Strategy MaxRate: 1-ear Fixed (additional premium) MaxRate: Multi-ear Fixed Strategy MaxRate: 1-ear Fixed (additional premium) High Band $100,000 Low Band Up to $100,00 High Band $100,000 Low Band Up to $100,00 High Band $100,000 Low Band Up to $100,00 High Band $100,000 Low Band Up to $100,00 3 year 5 year 7 year 2.40% 3.25% 3.35% 2.25% 3.10% 3.20% 3 year 5 year 7 year 2.30% 3.15% 3.25% 2.15% 3.00% 3.10% 3 year 5 year 7 year 2.40% 3.20% 3.30% 2.25% 3.05% 3.15% 3 year 5 year 7 year 2.40% 3.20% 3.30% 2.15% 2.95% 3.05% Additional $1,000 per payment Additional $1,000 per payment Additional $1,000 per payment Additional $1,000 per payment Free - Equal to the Multi-ear Fixed Strategy rate multiplied by the accumulated Value (as of the most recent Contract Anniversary) beginning in the first contract year. Required Distribution (RMDs) - Considered part of your annual Free, even if they exceed your Free amount. Flexible! Terminal Illness Waiver and Confinement Waiver built-in (not available in all states) Free - Equal to the Multi-ear Fixed Strategy rate multiplied by the accumulated Value (as of the most recent Contract Anniversary) beginning in the first contract year. Required Distribution (RMDs) - Considered part of your annual Free, even if they exceed your Free amount. Flexible! Terminal Illness Waiver and Confinement Waiver built-in (not available in all states) Free - Equal to the Multi-ear Fixed Strategy rate multiplied by the accumulated Value (as of the most recent Contract Anniversary) beginning in the first contract year. Required Distribution (RMDs) - Considered part of your annual Free, even if they exceed your Free amount. Flexible! Terminal Illness Waiver and Confinement Waiver built-in (not available in all states) Free - Equal to the Multi-ear Fixed Strategy rate multiplied by the accumulated Value (as of the most recent Contract Anniversary) beginning in the first contract year. Required Distribution (RMDs) - Considered part of your annual Free, even if they exceed your Free amount. Flexible! Terminal Illness Waiver and Confinement Waiver built-in (not available in all states) Rates Effective as of year (10,10,10) 5 year (10,10,10,10,10) 7 year (10,10,10,10,10, 10,10) 3 year (10,10,10) 5 year (10,10,10,10,10) 7 year (10,10,10,10,10, 10,10) 3 year (10,10,10) 5 year (10,10,10,10,10) 7 year (10,10,10,10,10, 10,10) 3 year (10,10,10) 5 year (10,10,10,10,10) 7 year (10,10,10,10,10, 10,10) (3 year) 0-83 (5 year) 0-83 (7 year) (3 year) 0-83 (5 year) 0-83 (7 year) (3 year) 0-83 (5 year) 0-83 (7 year) (3 year) 0-83 (5 year) 0-83 (7 year) N States ONL in AL, AZ, AR, CO, DC, FL, GA, ID, IL, IN, IA, KS, K, LA, ME, MD, MA, MI, MS, MT, NE, NH, NC, ND, RI, SD, TN, VT, VA, WV, WI & W AL, AZ, AR, CO, DC, FL, GA, ID, IL, IN, IA, KS, K, LA, ME, MD, MA, MI, MS, MT, NE, NH, NC, ND, RI, SD, TN, VT, VA, WV, WI & W AK, CA, CT, DE, HI, MN, MO, NV, NJ, OH, OK, OR, PA, SC, TX, UT, WA AK, CA, CT, DE, HI, MN, MO, NV, NJ, OH, OK, OR, PA, SC, TX, UT, WA (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 6

33 THE CAPITAL LIFE INSURANCE COMPA (CAP) FIXED PRODUCTS Bankers - 3 (3 ear Rate) 3.00% for 3 ears Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 3 years (8,7,6) Rates Effective as of in OK In these states ONL AL, AK, DC, HI, ME, MA, MI, MO, TX, VT Bankers -5 (5 year rate) 3.25% for 5 ears Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 5 years (8,7,6,5,4) 0-90 in OK AL, AK, DC, HI, ME, MA, MI, MO, TX, VT Bankers - 5 Premier Plus (5 year rate) 4.35% year % years 2-5 (ield 2.65%) Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 5 years (8.1,7.3,6.4,5.5,4.5) 0-90 in OK AL, AK, DC, HI, ME, MA, MI, MO, TX, VT Bankers - 5 Premier (5 ear Rate) 3.55% For 5 years Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 5 years (8,7,6,5.5,4.5) 0-90 in OK AL, AK, DC, HI, ME, MI, MO, TX, VT Bankers - 7 (7 ear Rate) 3.25% (7 year rate) Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 7 years 0-55 (12,11,10,8,6,4,2) 56 plus (8,7,6,5,4.5,3.5,2.5) AL, AK, DC, HI, ME, MI, MO, TX, VT Bankers - 7 Premier (7 ear Rate) 3.55% (7 year rate) Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 7 years (0-55) (12.4,11.5,10.5,8.5,6.5,5. 5,4.5) (56+) (8.1,7.1,6.1,5.1,4.5,3.5,2.5) AL, AK, DC, HI, ME, MA, MI, MO, TX, VT Bankers Elite - 3 (3 ear Rate) 3.25% for 3 ears No penalty free withdrawals during surr charge period; thereafter. Death Benefit - surr value. Surviving spouses may elect to continue the policy as their own and avoid surr charges. Non spousal beneficiaries may reduce or avoid charges by deferring payment or taking periodic income. For at least 5 year. No nursing home & disability waiver. 3 years (7.9,7,6.2) 0-90 (0-80 in FL) AL, AK, DC, HI, ME, MA, MI, MO, TX, VT Bankers Elite - 5 (5 ear Rate) 3.80% for 5 ears No penalty free withdrawals during surr charge period; thereafter. Death Benefit - surr value. Surviving spouses may elect to continue the policy as their own and avoid surr charges. Non spousal beneficiaries may reduce or avoid charges by deferring payment or taking periodic income. For at least 5 year. No nursing home & disability waiver. 5 years (7.9,7,6.2,5.3,4.4) 0-90 (0-80 in FL) AL, AK, DC, HI, ME, MA, MI, MO, TX, VT Bankers Elite - 7 (7 ear Rate) 3.80% for 7 years No penalty free withdrawals during surr charge period; thereafter. Death Benefit - surr value. Surviving spouses may elect to continue the policy as their own and avoid surr charges. Non spousal beneficiaries may reduce or avoid charges by deferring payment or taking periodic income. For at least 5 year. No nursing home & disability waiver. *All Liberty Bankers products may not be annuitized without surrender charge until contract maturity. (For Agent Use Only) Rates and Commissions subject to change. Check for current state approvals. Not intended for soliciting annuity sales from the public. 7 years (7.9,7,6.2,5.3,4.4,3.5,2.7) (0-75 in FL) AL, AK, DC, HI, ME, MA, MI, MO, TX, VT 7

34 EQUITRUST LIFE INSURANCE COMPA (ETL) MULTI-EAR PRODUCTS Certainty Select (with optional rider) 3 yr % 5 yr % 6 yr % yrs yr % yrs yr % yrs % on 87.5% of premium MUST COMPLETE PRODUCT TRAINING BEFORE SUBMITTING BUSINESS TO EQUITRUST 30-day window: During the 30 days prior to the end of the guarantee period, the following options are available: Renew for the same guarantee period and surrender charge schedule. Take a partial withdrawal without or. without or. Annuitize the contract for at least a 10-year period or life. Annuitization availability may vary by state. Nursing Home Waiver: through applicant age 80. There is no charge for this rider. After the first contract year, requires nursing home confinement of Owner for 90 days. Not available in MA. Rate Hold: If the initial premium is not received with the application but is received with in 60 days, the contract will be credited with the higher of the credited rate on the date of receipt of the application and the credited rate for new issues on the date the premium is received. Base Contract Free s: Cumulative interest earned may be withdrawn at anytime without surrender charge or, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT. Base Contract Death Benefit: Upon death of first Owner, Accumulation Value.*Effective February 5, a re-filled version of Certainty select will be offered in six states: IA, MN, OK, OR, TX, UT, and WA. The new contract is form series ICC13-ET-MG-2000(07-13), and has variations from the original Certainty Select product filing. For these six states, the following variations exist: (Surr : 9%,8%,7%,6.5%,5.5%,4.5%,3.5%,2. 5%,1.5%,0.5% (surr charge period matches guarantee period) Base Contract only. Rates Effective as of Base Contract: (3 r) 10,10,9 (5 r) 10,10,9,9,8 (6 r) 10,10,9,9,8,8 (8 r) 10,10,9,9,8,8,7,7 (10 r) 10,10,9,9,8,8,7,7,6,5 (9 ears: CA Only: 8.3, 7.4, 6.5, 5.6, 4.7, 3.8, 2.9, 1.9, 0.9) 0-90 (age last birthday) No in OK Choice Four Base Contract: 9 yr % Option: 9 yr % (1.50% Bonus) GREAT Liquidity Option: 6 yr % Liquidity & Option: 6 yr % (1.50% Bonus) 2.00% on 100% of premium ($2,000 Additional Deposits in ear 1) By current company practice, the accum value is available for annuitization after the 5th year if a minimum payout of 5 years of life is elected. through issue age 80. There is no charge for this rider. After the first contract year, nursing home confinement of Owner for 90 days. Not available in MA. Base contract surr charge: Based on a % of the accum value. Applied to partial withdrawals in excess of the free withdrawal amt. Base contract free withdrawals: interest earned in previous 12 months may be withdrawn at anytime w/o surr charge or. Liquidity option: a lower interest rate will apply. During 1st contract yr up to 10% of accum value on previous contract anniversary may be withdrawn each contract yr w/o surr charge or. If both & Liquidity options are selected, the contract is issued with a 6-yr surr charge schedule. Base Contract: (9 r) (12,11,10,9,8,7,6,4,2) FL ONL: (10,10,10,9,8,7,6,4,2) NV & OH ONL: (9,8,7,6.5,5.5,4.5,3.5,2.5,1.5) Liquidity Option: (6 r) (12,11,10,9,8,7) FL ONL: (10,10,10,9,8,7) NV & OH ONL:(9,8,7,6.5,5.5,4.5) (age last birthday) GREAT AMERICAN LIFE INSURANCE COMPA (GAA) FIXED PRODUCTS Secure American <up to 10.00% annualization bonus - vests per year> 1.55% = AV - year % = SV - year 1 (2.57% ield with Bonus) 1.25% (Additional Purchase Payments accepted in 1st 3 contract yrs: $2,000 - NQ $5,000 - Q) 10% after lst year. income avail. after 30 days. LTC Terminal Illness Rider. Upon death of owner, the death benefit paid to beneficiary will be a lump sum = to cash value or acct value (including any earned annuitization bonus), if the beneficiary elects a settlement option providing payment for a period at least 7 yrs, or for his/her life expectancy, as provide by Option D, if less. 7 years (9,8,7,6,5,4,3) Q 0-88-NQ N AK, MA, NH, NJ, NV,, PA, UT, WA Secure Gain - 5 Under $100, % r % r % r % r % r 5 yield 2.40% Over $100, % r % r % r % r % r 5 yield 2.75% 1.25% $100,000 Extended Care Waiver & LTC rider available thru issue ages. Terminal Illness Waiver available thru issue ages. Annuitization for account value: After the first contract anniversary, the account valuemay be used for income payout periods of five years or longer. Lifetime payouts (other single or joint) are also available. A spouse who is the sole surviving beneficiary may elect to become the successor owner. Full account value at death. 10% in 1st year interest income available after 1 year. 5 years (9,8,7,6,5) Q 0-89-NQ (Non- in IN,MD, OH,VA) Secure Gain - 7 Under $100, % r % r % r % r % r % r % r 7 yield 2.99% (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. Over $100, % r % r % r % r % r % r % r 7 yield 2.89% 1.25% Extended Care Waiver & LTC rider available thru issue ages. Terminal Illness Waiver available thru issue ages. Annuitization for account value: After the first contract anniversary, the account valuemay be used for income payout periods of five years or longer. Lifetime payouts (other single or joint) are also available. A spouse who is the sole surviving beneficiary may elect to become the successor owner. Full account value at death. 10% in 1st year interest income available after $100,000 1 year. *Due to significant decreases in market interest rates and as part of our commitment to provide your clients with competitive products we are temporarily reducing commissions by 20% for the five-year certain payment option for the GALIC SPIA.* 7 years (9,8,7,6,5,4,3) Q -NQ (Non- in IN,MD, OH,VA) 8

35 GLOBAL ATLANTIC FINANCIAL GROUP (FTA) MULTI-EAR PRODUCTS SecureFore 3 Rates Effective as of % For 3 ears on 87.5% of premium Min: Max: (ages 81-85: $500,000) 10% of the beginning-of-year contract value after the first contract year can be withdrawn each year without incurring withdrawal charges, expect in any year where full surrender occurs, 1, 2 charges will be waived due to qualified nursing home confinement or terminal illness, 3 Systematic withdrawals may be specified by doller amount, percentage of the contract value, or choice of payout frequency. 3 ear (8, 8, 7) N SecureFore % For 5 ears on 87.5% of premium Min: Max: (ages 81-85: $500,000) 10% of the beginning-of-year contract value after the first contract year can be withdrawn each year without incurring withdrawal charges, expect in any year where full surrender occurs, 1, 2 charges will be waived due to qualified nursing home confinement or terminal illness, 3 Systematic withdrawals may be specified by doller amount, percentage of the contract value, or choice of payout frequency. 5 ear (8, 8, 7, 6, 5) N (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 9

36 GUGGENHEIM LIFE & ANNUIT COMPA (GLA) FIXED PRODUCTS Preserve MG (Low Band under $250,000) (High Band $250,000+) ProOption MG 5 ear 2.70% (year 1) 2.80% (year 2) 2.90% (year 3) 3.00% (year 4) 3.10% (year 5) 2.90% (AP) option 3-ear 4-ear Low Band 3.10% 3.20% High Band 3.20% 3.30% option 5-ear 6-ear Low Band 3.25% 3.30% High Band 3.35% 3.40% option 7-ear 8-ear Low Band 3.40% 3.45% High Band 3.50% 3.55% option 9 - e a r e a r Low Band 3.50% 3.55% High Band 3.60% 3.65% 7 ear 2.75% (year 1) 2.85% (year 2) 2.95% (year 3) 3.05% (year 4) 3.15% (year 5) 3.25% (year 6) 3.35% (year 7) 3.00% (AP) 10 ear 2.75% (year 1) 2.85% (year 2) 2.95% (year 3) 3.05% (year 4) 3.15% (year 5) 3.25% (year 6) 3.35% (year 7) 3.45% (year 8) 3.55% (year 9) 3.65% (year 10) 3.20% (AP) $5,000-Q -NQ 1 Free s: One withdrawal per policy year equal to 10% of the previous anniversay account value in ear 2 and later. RMD s allowed in all years (with chargebacks in ear 1) Systematic s: es, (Allowed in year 1 by company practice)monthly interest as earned or automatic RMD for qualified plans. Death Benefit: Full account value at death. waived, No applied. Chargebacks: es, 100% on any withdrawal or death within 1st contract year. Annuitization: Can annuitize at any time charges are waived upon Annuitization for a minimum of 10 years or for 5 years after the initial guarantee period. Rate Step Up: Rates are guaranteed to increase during the first guaranteed period. Renewal periods will have a level rate for the entire period. Return of Guarantee: The contract contains a rider which guarantees the client will receive no less than their premium if surrendered during the deferral period. Any withdrawal, including interest and RMDs, are considered a reduction to premiums paid. Free s: One withdrawal per policy year up to 10% of the previous anniversary account value in ear 2 and later. RMD s allowed in all years (with chargebacks in ear 1). Systematic s: Monthly interest as earned or automatic RMD for qualified plans. Death Benefit: Full account value at death. ( waived. No applied). Chargebacks: 100% on any withdrawal or death within 1st contract year and 50% on withdrawals (except RMDs) in the 2nd year. Annuitization: Annuitize at any time. are waived upon Annuitization for a minimum of 10 years, or 5 years after the initial guarantee period. Renewability: At the end of the initial guarantee term there is a 30 day window to withdraw funds before the contract will renew at a new rate for another term. and will restart. Not applicable in DE, MO, OR, PA, or WA 10 ears (7,6,5,4,3,2,1,1,1,0.75) 9 ears (7,6,5,4,3,2,1,1,1) 8 ears (7,6,5,4,3,2,1,1) 7 ears (7,6,5,4,3,2,1) 6 ears (7,6,5,4,3,2) 5 ears (7,6,5,4,3) 4 ears (7,6,5,4) 3 ears (7,6,5) 10 ears (7,6,5,4,3,2,1,1,1,0.75) 7 ears (7,6,5,4,3,2,1) 5 ears (7,6,5,4,3) Rates Effective as of ( ages in IN & OK only) No in DE, MO, OR, PA, WA rate shown is as of 4/24/2013, is subject to change and may vary in accord with state regulations. Preserve Annuities are issued by and are obligations of Guggenheim Life and Annuity Company, home office at 401 Pennsylvania Pkwy., Suite 300, Indianapolis, Indiana Annuity products are not insured by the FDIC. Annuity contracts contain charges and limitations. Preserve annuities have varying surrender charge periods with substantial penalties for early withdrawal, and may be subject to a market value adjustment. Preserve annuities and/or certain optional features of such annuities may not be available in all states. Guggenheim Life and Annuity Company is not licensed in New Jersey and New ork. The contract is issued on form numbers GLA-MGA-01 or variations of such A (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 10

37 LIBERT BANKERS LIFE INSURANCE COMPA (LBL) FIXED PRODUCTS Liberty Choice Liberty Select 3.50% (2.50% Bonus Plus 1st ear Bonus) 4.05% (2.55% Bonus Plus 1st ear Bonus) Bankers - 3 (3 ear Rate) 3.90% for 3 ears 1.65% GREAT Bankers -5 (5 year rate) 3.20% for 5 ears 1.65% $5,000 ($100 month additions) $5,000 ($100 month additions) Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. A 10% IRS penalty may apply on amounts withdrawn before the owner reaches age 59 1/2 Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. A 10% IRS penalty may apply on amounts withdrawn before the owner reaches age 59 1/2 Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 5 years (8,7,6,5,4) 7 years ages 0-55 (12,11,10,8,6,5,4,2) ages 56+ (8,7,6,5,4,3,2) 3 years (8,7,6) 5 years (8,7,6,5,4) Rates Effective as of (85-OK) 0-90 in OK 0-90 in OK States NOT AL, AK, DC, HI, MN, MO, NH,, OR, PA, W AL, AK, DC, HI, MN, MO, NH,, OR, PA, W MN, NH, MN, NH, Bankers - 5 Premier Plus (5 year rate) 4.30% year % years 2-5 (ield 2.65%) 1.65% Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 5 years (8.1,7.3,6.4,5.5,4.5) 0-90 in OK DE, MN, NH, Bankers - 5 Premier (5 ear Rate) HOT 3.50% For 5 years 1.65% Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 5 years (8,7,6,5.5,4.5) 0-90 in OK DE, MN, NH, Bankers - 7 (7 ear Rate) 3.25% (7 year rate) 1.65% Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 7 years 0-55 (12,11,10,8,6,4,2) 56 plus (8,7,6,5,4.5,3.5,2.5) DE, MN, NH, Bankers - 7 Premier (7 ear Rate) HOT 3.55% (7 year rate) 1.65% Accumulated interest twice per yr or monthly if interest is over $ Death benefit is full accumulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days. thru issue ages. 7 years (0-55) (12.4,11.5,10.5,8.5,6.5,5. 5,4.5) (56+) (8.1,7.1,6.1,5.1,4.5,3.5,2.5) AL, DE, ID, IA, MN, MT, NH, NM,, OR Bankers Elite - 3 (3 ear Rate) 3.10% for 3 ears 1.65% No penalty free withdrawals during surr charge period; thereafter. Death Benefit - surr value. Surviving spouses may elect to continue the policy as their own and avoid surr charges. Non spousal beneficiaries may reduce or avoid charges by deferring payment or taking periodic income. For at least 5 year. No nursing home & disability waiver. Not RMD Friendly 3 years (7.9,7,6.2) 0-90 (75 in CA & FL) DE, MN, NH, Bankers Elite - 5 (5 ear Rate) GREAT 3.75% for 5 ears 1.65% No penalty free withdrawals during surr charge period; thereafter. Death Benefit - surr value. Surviving spouses may elect to continue the policy as their own and avoid surr charges. Non spousal beneficiaries may reduce or avoid charges by deferring payment or taking periodic income. For at least 5 year. No nursing home & disability waiver. Not RMD Friendly 5 years (7.9,7,6.2,5.3,4.4) 0-90 (75 in CA & FL) DE, MN, NH, Bankers Elite - 7 (7 ear Rate) 3.85% for 7 years 1.55% No penalty free withdrawals during surr charge period; thereafter. Death Benefit - surr value. Surviving spouses may elect to continue the policy as their own and avoid surr charges. Non spousal beneficiaries may reduce or avoid charges by deferring payment or taking periodic income. For at least 5 year. No nursing home & disability waiver. Not RMD Friendly *All Liberty Bankers products may not be annuitized without surrender charge until contract maturity. (For Agent Use Only) Rates and Commissions subject to change. Check for current state approvals. Not intended for soliciting annuity sales from the public. 7 years (7.9,7,6.2,5.3,4.4,3.5,2.7) (70 in CA & FL) DE, MN, NH, 11

38 LINCOLN FINANCIAL GROUP (LFA) FIXED PRODUCTS Lincoln MGuarantee SM Annuity Lincoln Long-Term Care <$100,000 >$100,000 5 years 3.05% 3.35% 7 years 2.95% 3.10% 10 years 2.95% 3.15% <$100, % for 7 ears >$100, % for 7 ears guarantee period (Between & 3.00% after initial guarantee period) MUTUAL OF OMAHA (MOA) FIXED PRODUCTS Bonus Flexible Annuity 1st ear Rate 2.55% (2.70% for accumulation values over $50,000) NQ & Q $50,000 NQ & Q (Maximum premium $400K for triple opt. $600K for double opt.) Single Purchase Payment -$5,000 or Planned purchase payments - $100/month ($1,200 annually, $600 semiannually, $300 quarterly) 10% Free Partial surrender - 10% of the accum value can be withdrawn per contract year w/o incurring any surr charge or Death Benefit - Should the client die before the contract is annuitized, the accum value may be distributed as a death benefit with no surr charges or. Annitization allowed at the end of term or after 5th year Accum value- before annuity payments begin: the single premium plus interest, and less LTC Benefitis paid, LTC Benefit charges, partial surrenders, surrender charges and any deductions for taxes if Lincoln is required to pay them. Partial surr - begin in 1st contract y, up to 10% of contract value may be withdrawn each yr w/o incurring surr charges. Death Benefit - upon death of the contractowner or annuitant, beneficiaries receive the contract value. Choice of income pay opt - after 5th contract yr, contract value w/o surr charge may be received under a number of income pay opts, including an income that cannot be outlived. LTC benefits - Monthly LTC benefits are paid when the covered life: has been given and follows a plan of care prescribed by a licensed health care practitioner. Call for details! Triple Leverage Opt Double Leverage Opt Acceleration Benefit Duration Extension Benefit Duration Monthly Maximum Benefit Acceleration Benefit Extension Total LTC Benefit Benefit 2 years 4 years $2, $50,000 $100,000 $150,000 3 years 3 years $1, $50,000 $50,000 $100,000 1 Access to account value with no withdrawal charges 10% of accumulation policy value per year, fedral tax penalties my apply immediately $100 minimum/month Systematic Income Option Fixed Dollar amount or interest only monthly, quarterly, semiannually, annually $100 minimum/month Death Benefit - The greater of the accumulation value or gross purchase payments minus any cash withdrawals, withdrawal charges and outstanding loans. Security - 100% of principal underwritten and guaranteed by United Omaha Life Insurance Company. Can annuitize after yr-2 without surrender charges. Early annuitization after 2 years. 3 ear (7,7,6) 4 ear (7,7,6,5) 5 ear (7,7,6,5,4) 6 ear (7,7,6,5,4,3) 7 ear (7,7,6,5,4,3,2) 8 ear (7,7,6,5,4,3,2,0) 9 ear (7,7,6,5,4,3,2,0,0) 10 ear (7,7,6,5,4,3,2,0,0,0) 7 years (8,8,7,6,5,4,3) Rates Effective as of ears (8,8,7,6,5,4,3,2) AK N CO, CT, FL, HI, ID, MA,, OH, PA, UT, VT, VA, WA 0-89 N NONE Ultra Secure Plus - 5 <$50, % years 1-5 >$50, % years 1-5 $5,000 Unlimited during 1st policy year, $500 minimum addition, Original withdrawal charges apply, Creditied with new money rate in effect at the time of the addition Free access to account value - 10% of accumulation policy value per year, fedral tax penalties my apply, in 1st contract year, $100 minimum/month charge period - 30-day window prior to the end of each 5- or 7-year withdrawal period to surrender, continue or annuitize the contract. Policy holder notified 45 days prior to end of each 5 or 7 withdrawal period, 30 day window before guarantee period ends. Waiver of withdrawal charges - Long term care waiver, Unemployment, Disability, Terminal Illness, Death of spouse or minor dependent, damage to your residence, transplant surgery. thru issue ages. 60-day rate lock/1035 exchange and direct rollover/transfer - Rate lock period is 60 days from date of app, rate credited will be the rate at time of application. Customer statements - NQ - sent annually one month after anniversary date. Qualified - sent annuially 2nd week of January. RETURN OF PREMIUM!!! 5 ears (6,6,6,6,5) 0-89 Ultra Secure Plus - 7 <$50, % years 1-7 >$50, % years 1-7 $5,000 Unlimited during 1st policy year, $500 minimum addition, Original withdrawal charges apply, Creditied with new money rate in effect at the time of the addition Free access to account value - 10% of accumulation policy value per year, fedral tax penalties my apply, in 1st contract year, $100 minimum/month charge period - 30-day window prior to the end of each 5- or 7-year withdrawal period to surrender, continue or annuitize the contract. Policy holder notified 45 days prior to end of each 5 or 7 withdrawal period, 30 day window before guarantee period ends. Waiver of withdrawal charges - Long term care waiver, Unemployment, Disability, Terminal Illness, Death of spouse or minor dependent, damage to your residence, transplant surgery. thru issue ages. 60-day rate lock/1035 exchange and direct rollover/transfer - Rate lock period is 60 days from date of app, rate credited will be the rate at time of application. Customer statements - NQ - sent annually one month after anniversary date. Qualified - sent annuially 2nd week of January. RETURN OF PREMIUM!!! 7 ears (6,6,6,6,5,4,3) (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

39 NASSAU RE COMPA (PLA) Rates Effective as of FIXED PRODUCTS MAnnuity 5X MAnnuity 7X 5 ears 3.85% % (With 10% Free s) 3.65% % 7 ears 3.95% - N/A (With 10% Free s) 3.75% - N/A $15,000 NQ & Q Max $15,000 NQ & Q Max 1 Annual free withdrawals up to 10% are available (if elected at issue) without a surrender charge ior market value adjustment () applied s in excess of the annual free withdrawal amount may be subject to a surrender charge prior to the end of the guarantee period and an s for the Required Distribution (RMDs) will not incur surrender charges or s of income will be subject to tax and, if prior to age 59 1/2, may be subject to a 10% IRS Penalty Withdrawn amounts will not receive the full interest credit charges and will be waived upon contract owner s death or annuitization after the first contract year During 30-day window period at the end of the guarantee period, you can surrender any amount of the contract without a surrender charge and without the assessment of an Nursing home and terminal illness waivers charges will also be waived if owner is admitted into a licensed nursing home, or if owner is diagnosed with a terminal illness that is expected to result in death within six months (24 months in MA). Waivers are subject to state approval and certain conditions. See contract for details Annual free withdrawals up to 10% are available (if elected at issue) without a surrender charge ior market value adjustment () applied s in excess of the annual free withdrawal amount may be subject to a surrender charge prior to the end of the guarantee period and an s for the Required Distribution (RMDs) will not incur surrender charges or s of income will be subject to tax and, if prior to age 59 1/2, may be subject to a 10% IRS Penalty Withdrawn amounts will not receive the full interest credit charges and will be waived upon contract owner s death or annuitization after the first contract year During 30-day window period at the end of the guarantee period, you can surrender any amount of the contract without a surrender charge and without the assessment of an Nursing home and terminal illness waivers charges will also be waived if owner is admitted into a licensed nursing home, or if owner is diagnosed with a terminal illness that is expected to result in death within six months (24 months in MA). Waivers are subject to state approval and certain conditions. See contract for details 5 ears (9,8,7,6,5,0,0) CA, ME 7 ears (9,8,7,6,5,4,3) CA, ME (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 13

40 NORTH AMERICAN COMPA FOR LIFE AND HEALTH (NAA) FIXED PRODUCTS North American Guarantee Choice SM (Low Band under $100,000) (High Band over $100,000) (In California, the product name remains North American Guarantee Choice SM II) North American Guarantee Choice II SM (Low Band under $200,000) (High Band over $200,000) Features 3-ear 5-ear High Band 3.00% 3.40% Low Band 2.65% 3.05% Features 7-ear 10-ear High Band 3.15% 3.35% Low Band 2.85% 3.10% Rates the same as above. 6- through 10- year rates not available in CA (or in FL) 100% of premiums less withdrawals at 0.25% less surrender charges $2,000-Q -NQ 1 year s interest withdrawals available each year. By current company practice*, withdrawals can begin as early as 30 days after annuity is issued if client is on the systematic withdrawal program. Renewal feature: renewal for the original guarantee period is automatic if no action is taken during the 30 days after the end of the guaranteed period. Within this 30 day window, no surrender charges or interest adjustment applies. This annuity may also be renewed for other guarantee periods available at that time. Death benefit: due to beneficiary upon death. Payouts in lump sum or series of payments. Nursing home rider: confined to a nursing home for more than 90 consecutive days, increase the penalty-free withdrawal amount by 10%. Only available to ages under 75. Rates Effective as of ear: 9.30%, 8.40%, 7.50% 5 ear: 9.30%, 8.40%, 7.50%, 6.60%, 5.70% 7 ear: 9.30%, 8.40%, 7.50%, 6.60%, 5.70%, 4.75%, 3.80% 10 ear: 9.30%, 8.40%, 7.50%, 6.60%, 5.70%, 4.75%, 3.80%, 2.85%, 1.90%, 0.95% 3 ear: 8.00%, 7.15%, 6.20% 5 ear: 8.00%, 7.15%, 6.20%, 5.25%, 4.30% 0-90 ( ages in IN & OK only) DE CA, FL No 6-10 ear CT (North American Guarantee Choice II is temporarily unavailable) COMPETITIVE On North American Guarantee Choice SM II Multi-ear Guarantee Annuity The North American Guarantee Choice II Annuity ly Offers: Guarantee/ Charge Periods from 4 to 10 ears 2 ages up to age 90 (may vary by state) (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. CALL FOR DETAILS!! 3.40% 3.05% FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. This product is issued by North American Company for Life and Health Insurance. Product features and iders may not be available in all states or appropriate for all clients. The North American Guarantee ChoiceSM is issued on forms NC/NA1000A (certificate/contract) AE515A, AE516A, LR427A, LR433A, LR441A and LR441A-1(endorsements/riders) or appropriate state variation. 1. rates effective as of May 8, 2018 and are subject to change at any time. Rate may vary by premium band and guarantee period selected. 2. A surrender during the surrender charge period could result in a loss of premium. charge structures may vary by state. charges and Adjustments (also known as Market Value Adjustment) will reset with renewal Z-MGA-HTML-Agent ID# REV

41 OXFORD LIFE INSURANCE COMPA (OFXD) Rates Effective as of FIXED PRODUCTS Multi-Select Series MGA 3 ear: 2.85% 4 ear: 3.25% 5 ear: 3.30% 6 ear: 3.65% 7 ear: 3.50% 8 ear: 3.75% 9 ear: 3.60% 10 ear: 3.65% ou will receive interest on 100% of your accumulation value $20,000- Qualified and Non-Qualified $20,000-$500,000 Qualified and Non-Qualified Free s: During the first year. Systematic withdrawal of interest earned beginning in second year. Up to 10% of accumulated value. The market value adjustment is applied only during surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount. Waiver of / :* Terminal Illness Benefit Home Health Benefit Nursing Home Benefit *See policy for eligiability. Not available in all states. 3 ear: 10, 9, 8 4 ear: 10, 9, 8, 7 5 ear: 10, 9, 8, 7, 6 6 ear: 10, 9, 8, 7, 6, 5 7 ear: 10, 9, 8, 7, 6, 5, 4 8 ear: 10, 9, 8, 7, 6, 5, 4, 3 9 ear: 10, 9, 8, 7, 6, 5, 4, 3, 2 10 ear: 10, 9, 8, 7, 6, 5, 4, 3, 2, AL, MS,, VT, WV January 1, % 3.25% 3.30% 3.65% 3.50% 3.75% 3.60% 3.65% (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 15

42 SAGICOR LIFE INSURANCE COMPA (SAG) FIXED PRODUCTS Sage Choice SPDA with Bailout Feature Milestone MGA 3.00% year 1 Before sending business to Sagicor: Every agent in all states must have it confirmed that the product training has been successfully completed. 100K+ 50K+ 15K+ 7 ear 3.85% 3.55% 3.05% 5 ear 3.75% 3.15% 2.65% 3 ear 3.05% 2.35% 1.75% 2.00% (yrs 1-10 & 3.00% thereafter) 87.5% of the single premium paid Single Purchase Payment $5,000 (no inherited IRA s) $15,000 Q-NQ Monthly Option (MIO) available for policies with an account valie of $25,000 or greater. Death benefit is equal to contract values as of the date we receive due proof of the Owner s death charges and waived upon death of the Owner. Waiver of Charge Rider: If the Owner of the contract is confined to a licensed nursing home or hospital for 90 consecutive days or more, the policy accumulation value will be available without a surrender charge or. This rider is provided at no extra cost. thru issue ages. Free Partial s: Beginning in ear 1 the Owner may make one withdrawal per year up to 10% of the accumulation value without incurring charges. After the first contract year, the renewal rate is lower than a rate that is 1% below the initial fixed interest rate, the owner msy request, within 30 days of notification, to receive the accumulation value without incurring a surrender charge or. PENALT FREE WITHDRAWALS Beginning in the second contract year, the Owner can withdraw 2 up to 10% of the accumulation value per year without a surrender charge. The minimum withdrawal is $500. REAL (PENALT FREE WINDOW) At the end of a 3 or 5 year guarantee period, a 30-day penalty-free window begins. Written notice is provided 45 days in advance of the start of the penalty-free window period. During the window a full or partial withdrawal may be taken without surrender charge or market value adjustment. If no withdrawal or a partial withdrawal is taken, the initial 3 or 5 year guarantee period will automatically renew with the then-current guarantee interest rate subject to surrender charge and market value adjustment. A 3 year guarantee period may be renewed a second time. After the initial 7 year guarantee period, the second 5 year guarantee period, or the third 3 year guarantee period, renewals are on an annual basis at the then-current guarantee interest rate and withdrawals may be taken at any time without a surrender charge or market value adjustment. Rates Effective as of ears (7,7,7,6,5,3) 7 year (9, 8, 7, 6, 5, 4, 3) 5 year (9, 8, 7, 6, 5) 3 year (9, 8, 7) 15 days to age 90-NQ 15 days to age 75-Q 15 days to 90 years ( not available in MO States NOT AK, CT, ME, MI, NE, NH,, VT AK, CA, CT, ME, MT,, VT GUARANTEE PERIOD 100K+ 50K+ 15K+ 7 EAR 3.85% 3.55% 3.05% 5 EAR 3.75% 3.15% 2.65% 3 EAR 3.05% 2.35% 1.75% (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals. 16