Issue ages On 3-7 Years, on 8 year, on 9 year and on 10 year. 10% Withdrawals after year 1.

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1 January 05, AGENT USE ONLY Oxford Life Multi-Select 5 Years 2.50% 6 Years 7 Years 10 Years 2.65% 3.00% 3.15% Issue ages On 3-7 Years, on 8 year, on 9 year and on 10 year. 10% Withdrawals after year 1. Guggenheim rates HOLD! - Preserve Multi-Year Guaranteed Annuity Guarantee Period Low Band $10K $250K High Band $250K+ 3-Year 4-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-Year 2.10% 2.25% 2.50% 2.75% 2.80% 2.90% 3.00% 3.20% 2.20% 2.35% 2.60% 2.85% 2.90% 3.00% 3.10% 3.30% Standard Insurance FIA ISA Year Surrender Charge Annual Point to Point Cap 5.75% ($100K+) Annual Point to Point Cap 5.00% ($15K $99.9K) Commission 5.00% and Bonus $500 per $100K The Standard Insurance FGA 5 Years 2.60% 6 Years 7 Years 10 Years 2.65% 2.75% 3.15% Initial contributions of less than $100,000 minus 10 basis points. 0.10% Less under $100,000 $1, Per Month For 60 Months! 5 Year Period Certain Payout Based On $100,000 Premium! CALL FOR ILLUSTRATIONS, CONTRACTING & SUPPORT. FSD FINANCIAL SERVICES 5530 CORBIN AVE #101 CA INSURANCE LICENSE #0B67385 RATES SUBJECT TO CHANGE FSD 0115 AGENT USE

2 FSD FINANCIAL SERVICES Deferred Annuity Rates 1/7/2016 Toll Free (800) Your One-Stop Fixed Annuity and Life Insurance Shop Phone (818) / Fax (818) contact@fsdfinancial.com SPDA PRODUCT INTEREST RATE MIN SURRENDER ISSUE MIN./MAX. AVAILABLE WITHDRAWALS COMMENTS BASE RATE GUAR. GUAR. CHARGE AGE PREMIUM STATES COMM. Liberty Bankers (Capital Life) B+ by A.M. BEST Guggenheim B++ by AM BEST Bankers Premier Bankers Premier Plus 2.75%: 3.55% Yr % Yrs Years Bankers 7 Guaranteed all 7 Yrs Bankers 7 Premier Liberty Choice ddddddd Liberty Select Bankers 3 jbgj Bankers 5 Elite 3 Elite 5 Elite 7 Elite 9 Preserve Multi-Year Guaranteed Annuity 2.75% Guaranteed all 5 Yrs 2.75% 3.05% Guaranteed all 7 Yrs 3.00% Year 1 (2.00% Base Rate) $$$$$ 3.60% Year 1 (2.10% Base Rate) 3 Year % $$$$$ 5 Year- 2.45% 3 Year % 5 Year % 7 Year % 9 Year % $10,000 $250,000+: 3yr 2.10% 2.20% 4yr 2.25% 2.35% 5yr 2.50% 2.60% 6yr 2.75% 2.85% 7yr 2.80% 2.90% 8yr 2.90% 3.00% 9yr 3.00% 3.10% 10yr 3.20% 3.30% 5 Years: 8%, 7%, 6%, 5.5%, 4.5%, 0% +/- MVA 1st 5 Yrs 5 Years: 8.1%,7.3%,6.4%, 5.5,4.5%,0% +/- MVA 1st 5 Yrs 7 Years: 0-55: 12,11,10,8,6,5,4,0 56: 8,7,6,5,4.5,3.5,2.5.0% +/- MVA 1st 7 Yrs 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% +/- MVA (No MVA-PA) 5 Year MVA: 8, 7, 6, 5, 4% ssssss 7 Year MVA: 0-55: 12,11,10,8,6,4,2 56+: 8,7,6,5,4,3,2 3 Year MVA: 8,7,6,0% ssssss 5 Year MVA: 8,7,6,5,4,0% 3 Year MVA: 7.9,7,6.2,0 5 Year MVA: 7.9,7,6.2,5.3,4.4,0 7 Year MVA: 7.9,7,6.2,5.3,4.4,3.5,2.7 9 Year MVA: 7.9,7,6.2,5.3,4.4, 3.5,2.7,1.8,0.9, Years: MVA 7,6,5 7,6,5,4 7,6,5,4,3 7,6,5,4,3,2 7,6,5,4,3,2,1 7,6,5,4,3,2,1,1 7,6,5,4,3,2,1,1,1 7,6,5,4,3,2,1,1,1, $10, $10,000 $10,000 $10,000 5 Year: Year: Year: Year: & 5 Yr: Yr: Yr: All 10 Yrs Less in FL 0-90 Qualified & Non- Qualified $5,000 Single; $100 Monthly Additions $10,000 $10,000 Q: 5,000 NQ:10,000 CT,DE,MAMN,,NH, NJ,RI CT,DE,MAMN,,NH, NJ,RI CT,DE MN,, NH,NJ,RI, AL,CT,DE,ID, IA,MN, MT,NV NH,NJ,NM, OR,RI AL,AK,CT,DC,HI ME,MA,MN,MO ND,NH,NJ,, ND,OR,PA,RI, VT,WY CT,MN,, NH,NJ,RI CT, DE, MN, NH,NJ,,RI NJ, Accum Interest Twice Yearly or Monthly Int if greater than $100 Accum Interest Twice Yearly or Monthly Int if greater than $100 Accum Interest Twice Yearly or Monthly Int if greater than $100 Accum Interest Twice Yearly or Monthly Int if greater than $100 Accum Interest Twice Yearly or Monthly Int if greater than $100 Accum Interest Twice Yearly or Monthly Int if greater than $100 NONE 10% of the previous anniversary RMD's allowed in all years (chargebacks in Year 1). Full account value at death. Nursing Home & Disability Waiver Full Death Benefit Of The Accumulation Value Nursing Home & Disability Waiver Full Death Benefit Of The Accumulation Value Nursing Home & Disability Waiver Full Death Benefit Of The Accumulation Value Nursing Home & Disability Waiver Full Death Benefit Of The Accumulation Value Nursing Home & Disability Waiver Full Death Benefit Of The Accumulation Value Nursing Home & Disability Waiver Full Death Benefit Of The Accumulation Value Surrender at death Surviving spouses may elect to continue the policy and avoid surrender charges. Non-spousal beneficiaries may reduce or avoid charges by taking a periodic income Can annuitize at any time. minimum of 10 years, or for 5 years after the initial guarantee period. The MVA is not applied in the states of DE, MO, OR, PA & WA Commission reduced in these states.) 2.00% 0.40% (81-90) 2.00% 0.40% (-90) 4.00% 2.00% (-85) 2.15% 0.45% (-85) 5 yr 4.00% 2.00% -90) 7 yr 5.50% 2.50% -85) 3 yr 2.00% -95) 5 yr 3.25% 1.50% -90) 3 yr. 2.00% 5 yr. 2.25% 7 yr. 2.50% 9 yr. 2.75% (All Ages) 3 yr. 1.0% 4 yr. 1.75% 5 yr. 2.5% 6 yr. 2.5% 7 yr. 2.5% 8 yr. 2.5% 9yr. 2.5% 10yr. 3.0% FSD Financial Services For accuracy check carriers rate sheet and brochure. Surrender % may vary by state. CA Insurance# Current as of 1/7/2016 and subject to change. FOR FSD AGENT USE ONLY

3 SPDA PRODUCT INTEREST RATE MIN. SURRENDERDeferred ISSUEAnnuity MIN./MAX. Rates AVAILABLE 1/7/2016 WITHDRAWALS COMMENTS BASE RATE GUAR. GUAR. CHARGE AGE PREMIUM STATES COMM. STANDARD INSURANCE A by A.M. BEST EquiTrust Life B++ By A.M. Best AMERICAN NATIONAL A A.M. BEST A S&P MONEYBACK GUARANTEE Return Of Principal AIG A by A.M. BEST A+ S&P Lincoln National (Old JP) A+ A.M. BEST AA- S&P Oxford Life A- By A.M. Best FGA 5 FGA 6 FGA 7 FGA 10 CERTAINTY SELECT After guarantee After guarantee 87.5% of premium paid at 1-3% Palladium Term: Year 1 Guarantee: Yield: MYG Annuity 5yr 3.25% 2.25% % c 6yr 2.80% 2.80% % Deposits 7yr 3.90% 2.90% % UNDER 8yr 3.05% 3.05% % $100,000 LESS 10bps 0.10% to 9yr 4.80% 2.80% % rate 10yr 3.85% 2.85% % Citadel 5 & 7 (7 year is Flexible) Deposits American Pathway Solutions MYG MY Guarantee Plus MULTI- SELECT $15,000 $100,000 5yr. 2.50% 2.60% 6yr. 2.55% 2.65% $15,000 $100,000 7yr. 2.65% 2.75% 10yr.3.05% 3.15% 3 Year % 5 Year % 6 Year % 8 Year % 10 Year % Rate Guaranteed for first 2 year: 5 Year: 2.75% 1yr (1.75% Base) 7 Year: 4.05% 1 yr (2.05% Base) UNDER $100,000 RATE IS 0.10% LESS Base Rate Guaranteed for 2 years. $15,000 $100K+ 5 year 2.20% 2.35% 6 year 2.40% 2.55% 7 year 2.65% 2.80% 8 year 2.60% 2.75% 9 year 2.75% 2.90% 10 year 2.85% 3.00% CALL $15,000 $100,000+ : 5yr 1.75% 1.90% 6yr 2.05% 2.20% 7yr 2.15% 2.30% 8yr 2.20% 2.35% 9 yr 2.30% 2.45% 10yr 2.35% 2.50% 3 Year % 4 Year % 5 Year % 6 Year % 7 Year % 8 Year % 9 Year % 10 Year % 5 or 6 Years: 8,7,6,5,4,0 8,7,6,5,4,3,0 with MVA 7 or 10 Years: 8,7,6,5,4,3,2,0 8,7,6,5,4,3,2,1,0.9,0 with MVA 10, ,10,9,9,8 10,10,9,9,8,8 10,10,9,9,8,8,7,7 10,10,9,9,8,8,7,7,6,5 30Day Window/MVA 5-10 Years: MVA 8,8,8,7,6 8,8,8,7,6,5 8,8,8,7,6,5,4 8,8,8,7,6,5,4,3 8,8,8,7,6,5,4,3,2 8,8,8,7,6,5,4,3,2,1 No MVA 5 or 7 Years: 7,7,7,6,5, 7,7,7,6,5,4, Years: MVA 8,8,8,7, 6,5,4,3,2,1 30 day window after guarantee period With MVA: 6,6,5 6,6,5,4 6,6,5,4,3 6,6,5,4,3,2 6,6,5,4,3,2,1,0 10,9,8 10,9,8,7 10,9,8,7,6 10,9,8,7,6,5 10,9,8,7,6,5,4 10,9,8,7,6,5,4,3 10,9,8,7,6,5,4,3,2 10,9,8,7,6,5,4,3,2,1 30Day Window/MVA 0-90 FGA FGA last birthday 0-70 Qual 3-7 Yrs Yrs Yrs Yrs $10,000/ $5,000 NQ Rates Based on $100,000 under rate 0.10% less $5,000 (non-qual) $2,000 (qualified) $10,000/ $10,000/ $10,000/ UT (rates in vary) (rates in vary) All Except: IA,MN,MO,SC The 8 9 and 10 Year terms Not Avail. In ( Rates vary) AL,,MS,MT WV,VT Interest payments OK immediately (NO 10% Avail) Additional Premiums in first 90 days OK. Interest payments OK immediately (NO 10% Avail) Cumulative interest earned may be withdrawn at any time without Surrender Surrender Charges may vary by state or with the optional rider. 10% of account value available starting 2nd year. Systematic withdrawal available in 30 days - Must take all interest 10% of annuity value as of the beginning of each year, including first year Additional Premiums1,000 Random, $100 ACH After the first contract year, 15% of the previous anniversary Activities of Daily Living 10% free withdrawal and Interest available after 30 days. All interest earned only in the first contract year, may be withdrawn immediately 10% Free Withdrawal Provision after the first contract year Terminal condition and nursing home waivers - not in MA Full Death Benefit / No commission charge back Additional Premiums in first 90 days. Full Death Bene. Upon death of first Owner, Accumulation Value Nursing Home Waiver Full death benefit Confinement Waiver and Disability Waiver j Commission reduced and 4 year reduce by 1% all other reduced by 2% Minimum surrender value is a return of premiums paid, less any cumulative withdrawals Nursing Home, Terminal Illness and Disability Full Death Benefit If the spouse is the sole beneficiary may elect to become owner or receive a distribution. Non-Spousal bene total distribution within five years Full Death Benefit Annuitization after the 5th yr. Waiver of Surrende Charges for: Home Health Care Benefit, Terminal Illness Benefit, Nursing Home Benefit 5 yr. 2.0% 6 yr. 2.0% (50% 81-85) (CALL 86-90) 7 Year: 2.00% % Year: 3.00% Year: 2.00% % Year: 3.00% % yr. 2.5% 6 yr. 2.5% 7 yr. 2.5% 8 yr. 2.5% 9yr. 3.0% 10yr. 4.0% (0-79) 5 yr. 3.0% 7 yr. 3.5% 5 yr. 2.0% 7 yr. 2.5% (81-85) 5 yr. 1.5% 6 yr. 2.0% 7 yr. 2.0% 8 yr. 3.0% 9yr. 3.25% 10yr. 3.5% 50% yr. 2.0% 6 yr. 2.25% % 76-80=65% 81+ Call 3 yr. 4 yr. 1.75% 5 yr. 2.50% 6 yr. 2.50% 7 yr. 2.50% 8 yr. 2.75% 9yr. 2.75% 10yr. 3.0% over 1.0% Less FSD Financial Services For accuracy check carriers rate sheet and brochure. Surrender % may vary by state. CA Insurance# Current as of 1/7/2016 and subject to change. FOR FSD AGENT USE ONLY

4 SPDA PRODUCT INTEREST RATE MIN. SURRENDERDeferred ISSUEAnnuity MIN./MAX. Rates AVAILABLE 1/7/2016 WITHDRAWALS COMMENTS BASE RATE GUAR. GUAR. CHARGE AGE PREMIUM STATES COMM. Genworth Financial A by A.M. BEST A By S&P Voya Financial A A.M. BEST A- S&P FCSLA A- A.M. BEST First Catholic Slovak Ladies Association Royal Neighbors (RNA) A- By A.M.Best Rate Saver Secure Living Liberty 1st 5 Years OR 1st 3 Years: $15K+ 2.20% 2.75% Secure $50K+ 2.70% 3.50% Living Smart $100K+ 2.90% 3.75% Rate $250K+ 3.00% 3.95% Rate guaranteed for 5 or 3 years Minimum guarantee Secure Guar: 15K-50K K 100K+: Living Year 1: 4.65% 5.15% 5.65% Independenc Year 2: 3.15% 3.15% 3.15% e rate resets annually years 3-6 Guarantee Choice ANNUITY Platinum Elite (Flex Premium) Choice Series Guar: 25K-99K K 250K+: 5 Yr: 2.85% 3.00% 3.10% 5 Year: 2.35% 2.55% 2.65% 7 Year: 2.50% 2.70% 2.80% Guar: 5K-99K K 250K+: 1 Yr: 2.60% 3.60% 4.35% Min=: 1.77% 1.93% 2.05% 3 Yr: 2.30% 2.90% 3.10% Min=: 1.95% 2.25% 2.35% 5 Yr: 2.05% 2.45% 2.60% Min=: 1.97% 2.31% 2.43% Min based on Bail out (Bail-out 1.60% on 1 Yr, 1.60% on 3 yr & 1.60% 5 yr) 3 Years Closed%: Year1 0.00% 0.00% Years Closed%: Year1 0.00% 0.00% Years Closed%: Yr1 0.00% 0.00% Years 1.50%: Yr1 1.50% 1.50% 2-10 Year 1: includes extra 1 % bonus, under 75K NO BONUS 1.50% After Guarantee period 3.50% For % Contract Minimum thereafter $20,000 $100,000 3 year * 1.10% 5 year 2.00% 2.00% 6 year 2.20% 2.15% *$50,000 min on 3 year! after guarantee 5 or 7 Years: 9,8,7,6,5% 9,8,7,6,5,4,3% ( MVA) Last 30 days have exit window 6 Years: 9%,9%,8%, 7%,6%,5%,0% (NO MVA) 7 Years: 7%,7%,7%,6%,5% 4%,3%,0% (NO MVA) 6 Years: 9,9,8,7,6,5,0 (NO MVA) 3,5,7 or 10 Yrs: With MVA: 9,8,7, 9,8,7,6,5 9,8,7,6,5,4,3 9,8,7,6,5,4,3,2,1,0 30 day window after guarantee period on 5 year and 7 year the but do not reset on renewal. $25,000/ ($15,000 Qualified) ($15,000 Qualified) $500,000 $15,000 $500,000 $15,000 ($75,000 high band) DE, NV (rates vary in OR and ) (OR and Rates vary) Fraternal Carriers With Member Benefits! Surrender 10 Yrs: 9,9,8,7,6,5,4,3,2,1,0 From contact issue date no matter when deposits are made. No rolling surrender 8,7,6, (30 day wind) 8.5,7.5,7,6,4, 0 8.5,7.5,7,6,5,4.5, 0 NO MVA 0-79 Annuitant NQ Owner NQ Q $25 $500,000 $20,000/ $300,000 without carrier approval CA,MS,NH AK,AL,HI,LA,MA, NH,,SC,VT Interest Only Withdrawals RMD Friendly Easy MVA Calculation The bail-out rate is not a guaranteed renewal rate. Renewal rates can be higher or lower than bail-out rate Bail-out waives surrender for first 45 days of the contract year. 10% of your contract value during a contract year, Systematically take 10% Medical care / nursing home waiver 10% of account value available each year. Systematic withdrawal available after 30 days. Penalty free withdrawals available after 1st 30 days 10% accumulation value available after 1st yr. Annuitization Avail. After 1st year for at least 10 years. allows a one-time, per contract year, 10% penalty free withdrawal interest only payments or another type of periodic payment. Accumulated Interest payments OK immediately. Annuitization bonus on 3Yr Medical Care Waiver Full Death Benefit Annuitize After 13 months Nursing Home Waivers Full Death Benefit 10% of account value available each year. Systematic withdrawal available after 30 days. Medical care / nursing home waiver Nursing Home Waivers Full Death Benefit 5 yr. 2.0% 7 yr.2.75% 5 yr.1.35% 7 yr. 2.1% (76-80) 3.00% 1.95% (76-80) 1.05% (81-85) 3.00% 1.95% (76-80) 1.05% % 1.31%-80) 1.05%-85) 3 Year: 5 Year: Nursing Home provision available 2.00% in most states not MA or PA. 7 Year: Owner Driven death benefit of full 2.50% account value. 10 Year: 3.25% Trail options available Full Death Benefit Flexibility of making additional deposits no rolling surrender charges No surrender charges will be imposed if the annuitant is confined to a Nursing Home; lives in a Declared Federal Disaster area; or at the death of the annuitant. 2.50% (0-79) All Premium at any time 3 yr. 1.5% Full Death Benefit of owner unless 5 yr. 1.75% owner is different than annuitant 100K+2.0% then cash surrender value will pay. 6 yr. 2.75% (reduces 76+ ) FSD Financial Services For accuracy check carriers rate sheet and brochure. Surrender % may vary by state. CA Insurance# Current as of 1/7/2016 and subject to change. FOR FSD AGENT USE ONLY

5 Deferred Annuity Rates 1/7/2016 SPDA PRODUCT INTEREST RATE MIN. SURRENDER ISSUE MIN./MAX. AVAILABLE WITHDRAWALS COMMENTS BASE RATE GUAR. GUAR. CHARGE AGE PREMIUM STATES COMM. Athene Annuity & Life Assurance Company B++ by AM BEST MaxRate MYGA 5 year % Yield: (2.30% with enhanched liquidity) 7 year % Yield: (2.70% with enhanched liquidity) 5 or 7 Years: 7,6,5,4,3 7,6,5,4,3,2,1 With MVA 30 day exit window $10,000 ONLY IN New York Full accumulation value as of the date of death NO FEATURES Additional liquidity for a cost/lower rate, see rate sheet for details. NO FEATURES UNLESS ELECTED THROUGH: 10% Free Waiver - Substantially Equal Periodic Payments Waiver - Confinement Waiver - (RMD) Waiver - Terminal Illness Waiver 5 Year: 2.25% % Year: 2.50% % - 80 American Equity A- A.M. BEST BBB+ S&P Minnesota Life A+ A.M. BEST AA- S&P (LSW) Life Of The Southwest A A.M. BEST A+ S&P Guarantee Series Secure Option Select 1.50% 1.50% Guar: 10K-35K 35K-99K 100K+: 1 Yr: 2.10% 2.30% 2.40% Base: 2.10% 2.30% 2.40% Secure 3 Yr: 2.20% 2.40% 2.50% Option Focus Base: 2.20% 2.40% 2.50% (ROP) 5 Yr: 2.15% 2.35% 2.45% Base: 2.15% 2.35% 2.45% 7 Yr: 2.10% 2.30% 2.40% Base: 2.10% 2.30% 2.40% Retire 1 (Flex) Retire 2 (Flex) Retire 4 (Flex) Retire 5 (Flex) 5 Year % 6 Year % 7 Year % $15,000 $100,000+: 5yr 1.55% 1.75% 7yr 2.20% 2.40% 9yr 2.80% 3.00% 2.00% First Year Yield Base Rate 2.35% First Year 1.35% Base Rate 2.75% First Year 1.75% Base Rate 6.25% First Year 1.25% Base Rate 5-7 Years: MVA 8,7,6,5,4 8,7,6,5,4,3 8,7,6,5,4,3,2 5,7, or 9 Year: 9,9,8,7,6 9,9,8,7,6,5,4 9,9,8,7,6,5,4,3,2,0 30 day exit window at the end of period 7 Years: With MVA: 7,7,7,6,5,4,3 30 day window after guarantee period on 5 year and 7 year the but do not reset on renewal. 8 Year: 10,9,8,7,6,4,2,0% 10 Year: 10,9,8,7,6, 5,4,3,2,1,0% 15 Year: 12.5,12.5, ,11,10,9,8,7, 6,5,4,3,2,1,0% 10 Year: 10,9,8,7,6, 5,4,3,2,1,0% (Lower age 59+) 0-90 ( in OK) (0-64 FL (0-54 TX) $5,000/ $2,000,000 $10,000 $3,000 QUALIFIED ONLY) (No 403B) $3,000 QUALIFIED ONLY) (No 403B) $3,000 QUALIFIED ONLY) (No 403B) $3,000 QUALIFIED ONLY) (No 403B) AR,CA,CT IN,MI,MN,MO, NJ,,WI WA CA, MT,OR ONLY : OR AK,AL,MD,NJ,,OR,UT,PA WA,WY AK,AL,CT,GA MD,NJ,,OR, PA,UT WA,WY MS,NJ,,OR PA,UT,WA Full accumulation value as of the date of death 10% or less of the prior contract anniversary value. In the 1st year of the 10% of contribution. RMD above 10% OK Systematically withdraw 1st 25th Minimum is $250. Penalty free withdrawals available after 1st 30 days 10% accumulation value available. RMD Friendly 10% Free Withdrawal annually after the first Policy Year. 10% Free Withdrawal annually after the first Policy Year. 10% Free Withdrawal annually after the first Policy Year. 10% Free Withdrawal annually after the first Policy Year. Accumulated Interest payments after year 1 Full Death Benefit as of date we receive proof of death. Nursing home Not in MA Return of Purchase Payment Guarantee: The surrender value guaranteed at least equal to premium, less prior withdrawals. 2 Year charge back of commission for ROP. Health Care Facility Waiver in most state. Death benefit contract value. Withdrawal Charges are waived on the death of the Annuitant, if owner is not a Annuitant surrender will apply. Withdrawal Charges are waived on the death of the Annuitant, if owner is not a Annuitant surrender will apply. Withdrawal Charges are waived on the death of the Annuitant, if owner is not a Annuitant surrender will apply. Withdrawal Charges are waived on the death of the Annuitant, if owner is not a Annuitant surrender will apply. 3.00% 2.10% (76-80) 1.50% (81-85) 5 yr 2.50% 7 yr 3.00% 9 yr 3.50% 5 yr 7 yr 1.25% 9 yr 1.50% (81-85) 5.00% 3.00% (81-88) 6.00% (0-70) 5.00%(-75) 3.75%(-80) 3.50%(-85) 8.00% 4.00%(-85) 1 (0-70) 9.00% (71-75) 6.55% (0-70) 5.15%(-75) 4.15%(-80) FSD Financial Services For accuracy check carriers rate sheet and brochure. Surrender % may vary by state. CA Insurance# Current as of 1/7/2016 and subject to change. FOR FSD AGENT USE ONLY

6 For accuracy check carriers rate sheet and brochure. Surrender % may vary by state. Current as of 1/7/2016 subject to change. FOR AGENT USE ONLY CA Lic# FSD FINANCIAL SERVICES Fixed Indexed Annuities 1/7/2016 Toll Free (800) Your One-Stop Fixed Annuity and Life Insurance Shop Phone (818) / Fax (818) FIA's FIA Internal Agent Guide contact@fsdfinancial.com PRODUCT PART. CREDITING EARNINGS MIN. POLICY TERM ISSUE MIN./MAX. AVAILABLE COMMENTS COMM RATE. METHOD Cap/Spreads GUAR. SURRENDER % AGE PREMIUM STATES THE STANDARD INSURANCE A A.M. BEST Bail-out after yr 2 if cap is 2% less than at issue Index Select Annuity 10 Index Select Annuity 7 100% Fixed Rate: 2.00% 100% Fixed Rate: 2.00% Annual Reset Annual Pt 2 Pt No Averaging Annual Reset Annual Pt 2 Pt No Averaging 5.75% (Over $100K) 5.00% (Under $100K) 5.00% (Over $100K) 4.25% (Under $100K) GMAB 110% GMAB 107% 9 Years MVA: 8,7,6,5, 4,3,2,1,0.9% 7 Years MVA: 7,6,5,4,3,2, MN, MO, TX,WA 10% free withdrawal after 1st year. Nursing home and terminal condition waivers with partial index credit available IRS required minimum distributions Death benefits partial index credit available 10% free withdrawal after 1st year. Nursing home and terminal condition waivers with partial index credit available IRS required minimum distributions Death benefits partial index credit available 5.00% 4.00% 2.00%(-85) 1.45%(-90) Index Select Annuity 5 100% Fixed Rate: 2.00% Annual Reset Annual Pt 2 Pt No Averaging 4.75% (Over $100K) 4.00% (Under $100K) GMAB 105% 5 Years MVA: 7,6,5,4, % free withdrawal after 1st year. Nursing home and terminal condition waivers with partial index credit available IRS required minimum distributions Death benefits with partial index credit avail. 3.00% 1.50%(-85) 1.35%(-90) Voya Financial A A.M. BEST A- S&P NO CAP ON Monthly Average with spread! Voya RenewalFLEX Feature IncomeProtect or Withdrawal Benefit Wealth Builder Plus NEW (Flexible) Wealth Builder Eight (Flexible) 100% 100% Wealth Builder SIx (Flexible) 100% Secure Index Opportunities Plus 5.00% BONUS 100% Secure 7 (Flexible) 100% options: Annual CAP Per Trigger Benchmark BenchMk Cap options: Annual CAP Per Trigger Benchmark BenchMk Cap 1 Yr Fixed options: Annual CAP Per Trigger Benchmark BenchMk Cap 1 Yr Fixed options: Annual CAP Per Trigger Monthly Cap 1 Yr Fixed MoAvr Spread options: Annual CAP Per Trigger Monthly Cap 1 Yr Fixed MoAvr Spread $15K - $100K - $750K: 6.50% 7.50% 7.75% 4.60% 5.20% 5.40% 4.35x 5.00x 5.20x 10.00% 10.00% 10.00% $15K - $100K - $750K: 5.00% 5.75% 6.00% 3.60% 4.10% 4.25% 3.55x 4.05x 4.30x 10.00% 10.00% 10.00% 2.55% 2.55% 2.55% $15K - $100K - $750K: 4.25% 5.00% 5.25% 3.10% 3.50% 3.70% 3.05x 3.60x 3.75x 10.00% 10.00% 10.00% 3.00% 3.00% 3.00% $15K - $75K: 2.00% 3.25% 1.50% 2.25% 0.90% 1.30% 1.25% 1.25% 5.40% 3.65% $15K - $75K: 3.50% 4.75% 2.50% 3.50% 1.45% 2.00% 2.00% 2.00% 3.70% 2.35% 87.5% of Premium, Accumulated at 87.5% of Premium, Accumulated at 8 Years: 10,10,10,10,9,8,7,6,0 8 Year MVA 8 Years: 10,10,10,10,9,8,7,6,0 8 Year MVA 6 Years: 10,10,10,10,9,8,0 6 Year MVA 30 Day Window at end of term waives last 2 years of MVA 10 Years: 10,10,10,10,9, 8,7,6,5,4,0 7 Years: 10,10,10,10,9,8,7,0 May differ ages $1,500,000, OR, OR, OR AK,CT,DE, After the first contract year, 5% charge-free partial surrenders are available Voya RenewalFLEX Feature available Nursing Home/Terminal Illness Waiver Full Death Benefit After the first contract year, 5% charge-free partial surrenders are available Voya RenewalFLEX Feature available Nursing Home/Terminal Illness Waiver Full Death Benefit After the first contract year, 5% charge-free partial surrenders are available Voya RenewalFLEX Feature available Nursing Home/Terminal Illness Waiver Full Death Benefit After the first contract year,10% of value Upon death full accumulation value no charges / lump sum ok. Annuitization is available after 5th year. In the first contract year, interest only can be withdrawn from the Fixed Rate Strategy. After the first contract year,the owner can withdraw up to 10% of the accumulation value each contract year without a surrender charge. Upon death full accumulation value. 5.00% % (76-80) 4.50% % (76-80) 3.75% % (76-80) 7.00% % - 80 In NJ,OR MN,WA 6.00% % -80 This optional feature gives you the Opportunity to withdraw all or part of the Accumulation Value associated with a given Premium, Index Strategy, and indexing period combination without Surrender Charges or MVA when a renewal rate for an indexed strategy is less favorable than the associated previous waiver rate. An index strategy does not include the Fixed Rate Strategy. Exercising the Voya RenewalFLEX Feature, if eligible, must occur during the 30-day window beginning on the premium anniversary. This feature is available for an added cost. Attained Age: Single Covered Person: 3.75% 4.75% 5.75% 6.75% Joint Covered Person: 3.25% 4.25% 5.25% 6.25% Lifetime Income Plus Cost 0.85% / Rollup 6.00% 4.50% % (76-80)

7 For accuracy check carriers rate sheet and brochure. Surrender % may vary by state. Current as of 1/7/2016 subject to change. FOR AGENT USE ONLY CA Lic# FIA's PRODUCT PART. CREDITING EARNINGS MIN. POLICY TERM ISSUE MIN./MAX. AVAILABLE COMMENTS COMM. Fixed Indexed Annuities 1/7/ RATE. METHOD Cap/Spreads GUAR. SURRENDER % AGE PREMIUM STATES Guar 25K-50K 50-99K K+ 250K+: Genworth A by A.M. BEST 4.00% BONUS 2.00% in NV,OK,SC,UT d in AK,MN, MO,OR,PA,WA Genworth Income Protection Rider Lincoln Financial (JP) A+ A.M. BEST AA- S&P Secure Living Index 5 Bail-Out Secure Living Index 7 Bail-Out Secure Living Index 10 up to 4.00% bonus & Bail-Out New Directions 8 New Directions 6 OPTIBLEND 7 OPTIBLEND 10 OPTI POINT 10 (Flexible) Bonus 3.00% 4.00% 100K+ Monthly Cap: 1.40% 1.80% 2.00% 2.10% Annual Cap: 3.25% 4.00% 4.50% 4.70% 1 Year Trigger: 2.45% 3.10% 3.50% 3.70% 5-Year Fixed: 1.45% 1.60% 1.85% 1.95% AnnCap BailOut: 2.25% 3.00% 3.50% 3.70% Guar 25K-99K K 250K+: Monthly Cap: 1.50% 1.70% 1.80% Annual Cap: 4.45% 4.95% 5.15% 1 Year Trigger: 3.00% 3.50% 3.75% 7-Year Fixed: 1.70% 1.95% 2.05% Ann Cap BailOut: 3.45% 3.95% 4.15% Gar: 25K-99K K 250K+: Monthly Cap: 1.40% 1.70% 1.80% Annual Cap: 3.45% 3.95% 4.15% 1 Year Trigger: 2.60% 3.10% 3.30% 10-Year Fixed: 1.55% 1.80% 1.90% Ann Cap BailOut: 2.45% 2.95% 3.15% 107% of premium less withdrawals and rider fees. 87.5% on premium less withdrawals rider fees. 1.75% on 100% of deposit 1.75% on 100% of deposit 5 Years MVA: (9,9,8,7,6,0) 7 Years MVA: (9,9,8,7,6,5,4,0) 10 Years MVA: (9,9,8,7,6,5, 4,3,2,1,0) Attained Age INCOME RIDER LIFETIME PAYMENT PERCENTAGES Attained Age: Single Covered Person: 4.00% 4.50% 5.00% 5.50% 6.00% 6.50% Joint Covered Person: 3.50% 4.00% 4.50% 5.00% 5.50% 6.00% Crediting Method $10K $100K+: 8 Year Fixed: 2.35% 2.50% 1yr Performance: 4.00% 4.25% 2 Year Reset Cap: 9.75% 10.50% Crediting Method $10K $100K+: 6 Year Fixed: 2.10% 2.25% 1yr Performance: 3.55% 3.80% 2 Year Reset Cap: 8.60% 9.30% Crediting Method $10K $100K+: Year Fixed: 2.10% 2.25% Vol ContrlSpread 1.70% 1.40% 1yr Performance: 3.55% 3.80% 1 Year Pt 2 Pt Cap: 3.85% 4.20% Crediting Method $10K $100K+: Year Fixed: 2.35% 2.50% Vol ContrlSpread 1.20% 0.90% 1yr Performance: 4.15% 4.25% 1 Year Pt 2 Pt Cap: 4.40% 4.75% 1 Year Fixed: 1.85% 1Yr Performance: 3.15% 2 Yr Reset Cap: 7.45% 2 Yr Monthly Cap: 2.70% S&P Index 1-3% 8 Years: 9,8,7,6,4.75, 3.50,2,0.75 MVA 6 Years: 9,8,7,6,4.75,3.50 MVA 10 Years: 10,9,8 7,6,5,4,3,2,1 MVA $25,000 - $25,000 - $25,000 - $10,000/ (0-65) $500K 65+ $10,000/ (0-65) $500K 65+ $10,000 NQ $500K 65+ DE, Rates can vary in AK,MN,MO,OR PA,WA DE, Rates can vary in AK,MN,MO,OR PA,WA CT,DE, Rates can vary in AK,MN,MO,OR PA,WA AK,MN,,OR, UT 7 Yr Fixed Strategy Avail. at issue. 1 Yr Fixed Strategy Not Avail at issue Beginning year 2 free 10% of contract value per year without penalty. Medical care facility/nursing home 7 Yr Fixed Strategy Avail. at issue. 1 Yr Fixed Strategy Not Avail at issue Beginning year 2 free 10% of contract value per year without penalty. Medical care facility/nursing home Premium Bonus Vesting % by Year 5,10,20,30,40,50,60,70,80,90, Yr Fixed Strategy Avail. at issue. 1 Yr Fixed Strategy Not Avail at issue Beginning year 2 free 10% of contract value per year without penalty. Medical care facility/nursing home 10% free withdrawal once per year of value. Grater of accumulation value or minimum cash surrender value. Can annuitize after year 2. 10% free withdrawal once per year of value. Grater of accumulation value or minimum cash surrender value. Can annuitize after year 2. 10% free withdrawal once per year Death premium paid less surrenders received; or Accumulation value without a MVA, less surrender; or Guaranteed min. cash Surr.value or Full value if paid over 5 yrs. 3.00% 2.00% (-80) (-85) 4.50% 3.00% (-80) 1.50% (-85) 7.00% 5.00% (-80) 8.00% Bonus and 8.00% simple annual interest based oncost: the roll-up base (premium plus any enhancement) during 0.95% of the roll-up period. Roll-up is credited daily. Partial year the benefit credit is given when an income withdrawal is started base end of during the contract year. Min age 55. each yr. 4.50% 3.50%(-80) 2.25%(-85) 3.50% 2.75%(-80) 1.75%(-85) 6.00% 4.00%(-79) 1.75% (80) OPTI POINT 8 (Flexible) Bonus 3.00% 4.00% 100K+ 1 Year Fixed: 1.85% 1Yr Performance: 3.15% 2 Yr Reset Cap: 7.45% 2 Yr Monthly Cap: 2.70% S&P Index 1-3% 8 Years: 9,8 7,6,5,4,3,2 MVA $10,000 NQ $500K 65+ MN,, OR, UT 10% free withdrawal once per year Death premium paid less surrenders received; or Accumulation value without a MVA, less surrender; or Guaranteed min. cash Surr.value and As Always Full value if paid over 5 yrs. 5.00% 3.25%(-79) 1.50%(-84) 0.65% (85)

8 For accuracy check carriers rate sheet and brochure. Surrender % may vary by state. Current as of 1/7/2016 subject to change. FOR AGENT USE ONLY CA Lic# FIA's PRODUCT PART. CREDITING EARNINGS MIN. Fixed POLICY Indexed TERM Annuities ISSUE 1/7/2016 MIN./MAX. AVAILABLE COMMENTS COMM RATE. METHOD Cap/Spreads GUAR. SURRENDER % AGE PREMIUM STATES AIG A by A.M. BEST A+ by S&P Power 7 Protector Power 7 Protector Plus Income Crediting Method $10K $100K+: 100% Annual Cap: 3.00% / 4.00% Mo Avr Spread: 4.50% / 3.50% Monthly Cap: 1.40% / 1.65% Fixed Rate: 1.85% / 1.85% Crediting Method $10K $100K+: 100% Annual Cap: 2.25% / 4.00% Mo Avr Spread: 5.25% / 4.75% Monthly Cap: 0.75% / Fixed Rate: 1.85% / 1.85% 87.5% at 87.5% at 7 Years: 8,7,6,5,4,3,2,0 MVA 7 Years: 8,7,6,5,4,3,2,0 MVA (may vary by state) 5 $25,000/ $25,000/ CT,,OR,VT CT,,OR, VT,WA 10% free withdrawal after year 1 Full death Benefit Extended Care Rider / Daily Living Riders RMD Friendly Withdrawals 10% free withdrawal after year 1 Full death Benefit Extended Care Rider / Daily Living Riders RMD Friendly Withdrawals Lifetime Income Plus Rider Included 0.95% Fee on the Income Base. 4.00% 2.00% (81-75) 4.00% 2.00% (81-75) Power 10 Protector (3.00% Bonus) 100% Pt-to-Pt Cap: 3.25% Monthly Cap: 1.50% NO CAP Monthly Avr Spread: 4.90% Fixed Account: 1.25% 87.5% at 10 Years: 10,9,8 7,6, 5,4,3,2,1,0 MVA 0-75 (may vary by state) $25,000/ CT,,OR,VT 10% free withdrawal after year 1 Full death Benefit Extended Care Rider / Daily Living Riders RMD Friendly Withdrawals Bonus Recapture -End of each contract year in frst 10 years, 10% becomes vested. 6.50% (0-70) 4.50% (71-75) Power 10 Protector Plus Income (3.00% Bonus) 100% Pt-to-Pt Cap: 1.60% Monthly Cap: 0.50% NO CAP Monthly Avr Spread: 5.75% Fixed Account: 87.5% at 10 Years: 10,9,8 7,6, 5,4,3,2,1,0 MVA (may vary by state) $25,000/ CT,,OR, VT,WA 10% free withdrawal after year 1 Full death Benefit Extended Care Rider / Daily Living Riders RMD Friendly Withdrawals Lifetime Income Plus Rider Included 0.95% Fee on the Income Base. Bonus Recapture 6.50% (0-70) 4.50% (71-75) Lifetime Income Plus Attained Age: Single Covered Person: 4.25% 5.00% 5.50% 6.00% Joint Covered Person: 3.75% 4.50% 5.00% 5.50% See full rate sheet copy link: /AGRates.pdf Lifetime Income Plus Cost 0.95% / Rollup 7.00% AMERICAN NATIONAL A A.M. BEST AA- S&P Value Lock % Premium Bonus 100% Participation (Guaranteed for term) No Cap - No Fees Monthly Average Point to Point that can be locked-in at anytime. 90% of state minimum 10 years: 12,12,11,10,9,8 7,6,5,3,0 $5,000 ($4,000Q) MA,MN,NJ, ND,OK,OR,VT The ANICO Value-Lock 10 EIA is a single premium. Interest crediting method uses a average of growth of the S&P 500 Index and allows a one-time lock-in of gains at anytime during the initial 10-year term, after lock-in value is credited a fixed rate. At lock-in a pro-rata credit of interest - See fact sheet for details. 10% of the annuity value Starting in year 2 Full Death Benefit 7.00% 5.50% (76-80) ANICO Strategy Indexed Annuity PLUS Enhancment s Crediting Methods: 10Year: 7 Year: Declared Rate Crediting: 2.40% 2.40% One-Year Performance: 4.00% 4.00% 100% Annual Pt-to-Pt Cap: 4.50% 4.50% 100% Three-Year Point to Point: 10.00% 10.00% 50% Three-Year Point to Point: 27.00% 27.00% 100% Five-Year Point to Point: 20.00% 20.00% 75% Five-Year Point to Point: 30.00% 30.00% 50% Five-Year Point to Point: 40.00% 40.00% Lifetime Income Rider (Fixed): ---- Fixed Rate: 7.00% 7.00% ---- Accumulation Period: 15 Years 15 Years ---- Rider Premium Enhancement: 0.00% 0.00% ---- Rider Premium Charge: 0.60% 0.60% Lifetime Income Rider (Fixed+Index): ---- Fixed Rate: 4.00% 4.00% ---- Accumulation Period: 15 Years 15 Years ---- Rider Premium Enhancement: 0.00% 0.00% ---- Rider Premium Charge: 0.30% 0.30% 10 years: 9,9,8,7,6, 5,4,3,2,1,0 With MVA s 7 years: 7,6,5,4,3,2,1,0 With MVA $10,000 ($5,000Q) 7 Year: IL,MD,MA, f 10 Year: IL,IA,MD,MA, Confinement, Disability, Terminal Illness Confinement, Disability, Terminal Illness *Availability will vary by state, not in CA, CT 10% available at beginning of contract year Full Death Benefit 10 Year: 7.00% 5.50% -80 Trail 3.00% Trail 5.00% then 0.50% 0-75 s 7 Year: 5.00% 4.00%(-80) Trail 3.00% Trail 3.00% then 0.50% 0-75

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11 INTEREST RATES Effective January 1, LIFE ANNUITIES MEDICARE SUPPLEMENT Multi-Select Series multi-year guaranteed annuitytm Rate Guarantee Period 3-Year 4-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-Year 1.80% 2.25% 2.70% 2.80% 3.00% 3.10% 3.15% 3.20% Royal Select fixed indexed annuity TM 8% Bonus 2 January 1, 2016 Interest Rates Optional GLWB Fixed Rate Annual Pt to Pt Cap Monthly Average Cap 1.65% 2.85% 2.85% Income Account Rate % SILVER Select fixed indexed annuity TM 4% Bonus 2 January 1, 2016 Interest Rates Optional GLWB Fixed Rate Annual Pt to Pt Cap Monthly Average Cap 2.05% 3.70% 3.70% Income Account Rate % Select fixed indexed annuity TM January 1, 2016 Interest Rates Fixed Rate Annual Pt to Pt Cap Monthly Average Cap 2.55% 4.75% 4.75% Optional GLWB Income Account Rate % A- Excellent* Financial Strength Rating A M BEST A- Excellent *Effective as of For the latest rating, access A.M. Best assigns ratings from A++ to F, A++ being superior ratings. 1 To receive the previous rate, applications must be received in good order at our home office no later than the day prior to the effective date of the new rate. Applications may be sent by mail, or fax. Rates on transfers and 1035 exchanges will be held for 60 days from the date the application was received. No exceptions to these rules will be allowed. Rates are subject to change at any time. Please contact Oxford Life Insurance Company for current rates. 2 Premium Bonus vests over a 10-year period. Non-vested bonus amounts will be recaptured for surrender or withdrawal amounts exceeding the penalty-free amount. Annuities with a premium bonus may have lower fixed account interest rates and lower caps on indexed accounts than a similar product without a premium bonus. 3 Rate applies to the first ten policy years, based on the rate at issue. The income account value is not available for withdrawal or cash surrender and is only used to calculate the guaranteed lifetime withdrawal benefit amount. The Guaranteed Lifetime Withdrawal Benefit is available for an annual fee at the time of application. Rider form GLWB210 and state-specific variations where applicable. The Oxford Life Select TM annuity (contract form FIA600 and state-specific variations where applicable), Oxford Life Silver Select TM annuity (contract form FIA510 and state-specific variations where applicable) the Oxford Life Royal Select annuity (contract form FIA510 and state-specific variations where applicable) and the Oxford Life Multi-Select TM annuity (contract form ICC14-MYGA0814 and state-specific variations where applicable) are issued by Oxford Life Insurance Company. An investment in these contracts is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract. AN738P11 FOR PRODUCER USE ONLY Not intended for soliciting or advertising to the public. PRODUCTS NOT AVAILABLE IN ALL STATES.

12 Marketing Support BANKERS ELITE SERIES ENHANCED RATE / MULTI-YEAR GUARANTEE / SINGLE PREMIUM ONLY ANNUITIES Page 1 Administrative Support January 1, 2016 Bankers Elite 3 BankersElite-0112 Bankers Elite 5 BankersElite-0112 Bankers Elite 7 BankersElite-0112 Bankers Elite 9 BankersElite-0112 Ist Year Rate: (All interest rates are Annual Effective Yields) 2.00% 2.90% 3.20% 3.35% Current Rate Guarantee: 3 Yrs 5 Yrs 7 Yrs 9 Yrs Renewal Rate Strategy: Guaranteed 3 Yrs Guaranteed 5 Yrs Guaranteed 7 Yrs Guaranteed 9 Yrs Minimum Guaranteed Rate: The minimum rate is determined each year based on a formula and the constant maturity treasury rate. The rate may not be less than 1% or more than 3%. The rate determined by this methodology for 2016 is 1%. Maximum Issue Age: (Annuitant & Owner ALB) 90 (75 in CA & FL) 90 (75 in CA & FL) 85 (70 in CA & FL) 80 (65 in CA & FL) Minimum Premium*: $10,000 $10,000 $10,000 $10,000 Use: Maximum Withdrawal Charges: 3 Yrs 7.9, 7.0, 6.2, 0% +/- MVA 1st 3 Yrs 5 Yrs 7.9, 7.0, 6.2, 5.3, 4.4, 0% +/- MVA 1st 5 Yrs 7 Yrs 7.9, 7.0, 6.2, 5.3, 4.4, 3.5, 2.7, 0% +/- MVA 1st 7 Yrs 9 Yrs 7.9, 7.0, 6.2, 5.3, 4.4, 3.5, 2.7, 1.8, 0.9, 0% +/- MVA 1st 9 Yrs Penalty Free Withdrawals: NONE DURING SURRENDER CHARGE PERIOD; THEREAFTER, 100% LIQUID N Home & Disability Waiver: Death Benef it (Annuitant/Owner): Suitability Comments: No SURRENDER VALUE. Surviving spouses may elect to continue the policy as their own and avoid surrender charges. Non-spousal beneficiaries may reduce or avoid charges by deferring payment or taking a periodic income. CA Only: Death Benefit equals Accumulation Value for policies issued ages 65 and above. FL Only: Death Benefit equals Accumulation Value for policies issued at all ages. Most suitable for those seeking higher rates; not needing liquidity during initial rate guarantee period and desiring full liquidity and control after surrender charges expire. No automatic renewal of surrender charges! CA & FL Only: For issue ages 65 or greater, 100% commission charge back in the event of death during the first policy year. Available through Liberty Bankers Life: AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY Available through Capitol Life: AK, AL, DC, HI, MA, ME, MI, MO, TX, VT Products NOT Available in: CT, DE, MN, NH, NJ,, RI 1st Yr Gross Commission (level 8)**: 2.00% at all ages 2.25% at all ages 2.50% at all ages 2.75% at all ages *The maximum premium without prior approval is $500,000. **CA & FL Only: For issue ages 65 or greater, 100% commission charge back in the event of death during the first policy year. Please Refer To Specif ic Policies For Complete Product Information Rates Are Subject To Change Without Notice For Agent Use Only Not For Use With The Public

13 Marketing Support BANKERS SERIES MULTI-YEAR GUARANTEE / SINGLE PREMIUM ONLY ANNUITIES Page 2 Administrative Support January 1, 2016 Bankers 3 Bankers Bankers 5 Bankers Bankers 5 Premier BankersPremier-0407 Bankers 5 Premier Plus BankersPlus-0307 Bankers 7 Bankers Bankers 7 Premier BankersPrem Ist Year Rate: (All interest rates are Annual Effective Yields) 1.60% 2.45% 2.75% 3.55% 2.75% 3.05% Current Rate Guarantee: 3 Yrs 5 Yrs 5 Yrs 5 Yrs 7 Yrs 7 Yrs Renewal Rate Strategy: Guaranteed 3 Yrs Guaranteed 5 Yrs Guaranteed 5 Yrs Guaranteed 5 Yrs Guaranteed 7 Yrs Guaranteed 7 Yrs Minimum Guaranteed Rate*: 2.55% Yrs 2-5 Maximum Issue Age: (Annuitant & Owner ALB) 90 (85 in OK) 90 (85 in OK) 90 (85 in OK) 90 (85 in OK) Minimum Premium**: $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 Use: Maximum Withdrawal Charges: 3 Yrs 8, 7, 6% +/- MVA 1st 3 Yrs 5 Yrs 8, 7, 6, 5, 4% +/- MVA 1st 5 Yrs 5 Yrs 8, 7, 6, 5.5, 4.5% +/- MVA 1st 5 Yrs 5 Yrs 8.1, 7.3, 6.4, 5.5, 4.5% +/- MVA 1st 5 Yrs 7 Yrs Ages 0-55: 12, 11, 10, 8, 6, 5, 4% Ages 56+: 8, 7, 6, 5, 4.5, 3.5, 2.5% +/- MVA 1st 7 Yrs 7 Yrs Ages 0-55: 12.4, 11.5, 10.5, 8.5, 6.5, 5.5, 4.5% Ages 56+: 8.1, 7.1, 6.1, 5.1, 4.5, 3.5, 2.5% +/- MVA 1st 7 Yrs Penalty Free Withdrawals: Accum Interest Twice Yearly; OR Monthly Int if > $100 Accum Interest Twice Yearly; OR Monthly Int if > $100 Accum Interest Twice Yearly; OR Monthly Int if > $100 Accum Interest Twice Yearly; OR Monthly Int if > $100 Accum Interest Twice Yearly; OR Monthly Int if > $100 Accum Interest Twice Yearly; OR Monthly Int if > $100 N Home & Disability Waiver***: Yes Yes Yes Yes Yes Yes Death Benef it (Annuitant/ Owner): Accumulation Value Accumulation Value Accumulation Value Accumulation Value Accumulation Value Accumulation Value Suitability Comments: 3 Yr MYG; MVA for 3 Yrs Only 5 Yr MYG; MVA for 5 Yrs Only 5 Yr MYG; MVA for 5 Yrs Only 5 Yr MYG; MVA for 5 Yrs Only 7 Yr MYG; MVA for 7 Yrs Only 7 Yr MYG; MVA for 7 Yrs Only Liquid After 3 Yrs Liquid After 5 Yrs Liquid After 5 Yrs Liquid After 5 Yrs Liquid After 7 Yrs Liquid After 7 Yrs Available through Liberty Bankers Life: AR, AZ, CA, CO, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD,TN, TX, UT, VA, WA, WI, WV & WY AR, AZ, CA, CO, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV & WY AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV & WY AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV & WY AZ, AR, CA, CO, FL, GA, HI, IL, IN, KS, KY, LA, MD, MI, MS, NE, NC, ND, NV, OH, OK, PA, SC, SD, TN, TX UT, VA, WA, WI, WV & WY Available through Capitol Life: AK, AL, DC, HI, MA, ME, MI, MO, TX, VT AK, AL, DC, HI, MA, ME, MI, MO, TX, VT AK, AL, DC, HI, ME, MI, MO, TX, VT AK, AL, DC, HI, MA, ME, MI, MO, TX, VT AK, AL, DC, HI, ME, MI, MO, TX, VT AK, DC, HI, MA, ME, MI, MO, TX, VT Products Not Available In: CT, MN, NH, NJ,, RI CT, MN, NH, NJ,, RI CT, DE, MA, MN, NH, NJ,, RI CT, DE, MN, NH, NJ,, RI CT, DE, MA, MN, NH, NJ,, RI AL, CT, DE, ID, IA, MN, MT, NH, NJ, NM,, OR, & RI 1st Yr Gross Commission (level 8): : 2.00% 81-90: : 3.25% 81-90: 1.50% : 2.00% 81-90: 0.40% : 2.00% 81-90: 0.40% : 4.00% 81-85: 2.00% *The Minimum Guaranteed Rate for policies issued in 2016 will be. **The maximum premium without prior approval is $500,000. ***Available on nonqualif ied policies only. +Policy forms in Texas: Bankers TX, Bankers TX. Please Refer To Specif ic Policies For Complete Product Information Rates Are Subject To Change Without Notice For Agent Use Only Not For Use With The Public : 2.15% 81-85:.45%

14 Marketing Support LIBERTY SERIES TRADITIONAL FLEXIBLE OR SINGLE PREMIUM ANNUITIES 1 SPIA IMMEDIATE ANNUITY Page 3 Administrative Support January 1, 2016 Liberty Choice Ist Year Rate: 3.00% (All interest rates are Annual Effective Yields) (2.00% Base Rate Plus 1st Year Bonus) Liberty Select % (2.10% Base Rate Plus 1.50% 1st Year Bonus) Income Annuity N/A Current Rate Guarantee: 1 Yr 1 Yr Renewal Rate Strategy: Rate Determined Annually Rate Determined Annually Minimum Guaranteed Rate*: Maximum Issue Age: (Annuitant & Owner ALB) 90 (85 in OK) 85 Term of Contract N/A N/A 90 Period Certain; 80 Life Contingent and/or Joint Minimum Premium**: $5,000 Single; $100 Monthly Additions $5,000 Single; $100 Monthly Additions $25,000 Use: Maximum Withdrawal Charges: 5 Yrs 8, 7, 6, 5, 4% +/- MVA 1st 5 Yrs 7 Yrs Ages 0-55: 12, 11, 10, 8, 6, 4, 2% Ages 56+: 8, 7, 6, 5, 4, 3, 2% +/- MVA 1st 7 Yrs N/A Penalty Free Withdrawals: Accum Interest Twice Yearly; OR Monthly Int if > $100 Accum Interest Twice Yearly; OR Monthly Int if > $100 Period Certain: 5-30 Yrs Life Only or Life with Term Certain Joint & Survivor N Home & Disability Waiver***: Yes Yes Death Benef it (Annuitant/Owner): Accumulation Value Accumulation Value No None Suitability Comments: Accepts Additional Premiums Current payouts based on $100,000 premium: 5 yr Term Certain: $1, yr Term Certain: $ 919 Life Only Male 65: $ 529 Available through Liberty Bankers Life: Available through Capitol Life: Products NOT Available in: AR, AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MS, MT, NC, NE, NV, NM, OH, OK, SC, SD, TN, TX, UT, VA, WA, WV, WI Not Available AL, AK, CT, DC, HI, ME, MA, MN, MO, ND, NH, NJ,, ND, OR, PA, RI, VT, WY AR, AZ, CA, CO, DE, FL, GA, HI, IA, ID, IL, IN KS, KY, LA, MD****, MI, MS, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI AK, AL, DC, HI, ME, MI, MO, TX, VT CT, MA, MN, NH, NJ,, RI, WY 1st Yr Gross Commission (level 8): : 4.00% 81-90: 2.00% Eligible for 25 BP Annual Trail : 5.50% 81-85: 2.50% Eligible for 25 BP Annual Trail 0-90: 3.00% *The Minimum Guaranteed Rate for policies issued in 2016 will be. **The maximum premium without prior approval is $500,000. ***Available on nonqualif ied policies only. **** Term Certain is not available. Please Refer To Specif ic Policies For Complete Product Information Rates Are Subject To Change Without Notice For Agent Use Only Not For Use With The Public

15 Athene Annuity Fixed Annuity Interest Rates Annuities issued by Athene Annuity & Life Assurance Company of New York, Nyack, All rates effective January 5, 2016 ATHENE MaxRate Multi-Year Guarantee Annuities Interest Rates January 5, 2016 ATHENE MaxRate For Agent Use Only. Not to be used with the offer or sale of annuities. Guarantee Period (Yrs) Rate ( only) % % ATHENE MaxRate with Enhanced Liquidity Alternative % % For more information on our annuities, please contact our Sales Desk at ATHENE ( ) ANAA002 Website: Sales Desk: Ext.126 Annuities issued by Athene Annuity & Life Assurance Company of New York, Nyack,. ATHENE ANNUITY (R1-5-16)

16 By: Jeff Affronti Simple And Guaranteed Approach To Savings! The Risk Averse Saver Is Our Type Of Client Too! There is a segment of the population that is extremely risk averse, not at all greed driven when it comes to their financial savings. These people are most interested in security over return, guarantees over assumptions. These are the type of clients I have seen migrate from large institutional banks, savings accounts and CDs, to large insurance carriers fixed annuities. Historically, more in MYGA products that most resemble a CD in structure. The reason being MYGA's offer a clear rate for a set time. The clients know exactly what the final walk away yield and value will be from day one. A satisfied client and very often repeat client as rollovers and transfers to new MYGA's are common. Conservative by nature and heavily interested in the guarantees, these clients have seen rates consistently drop over the last 9+ years. Compounding the issue, many top carriers that offered straightforward walk away MYGA, FIA and SPIA products have disappeared. Now, often overlooked, the simplicity of vintage fixed annuities are still a great fit for these clients and the agents who want to offer a client oriented, simple, easy to understand and guaranteed insurance option.

17 What is a vintage fixed annuity? I consider a vintage fixed annuity as a product designed before the rise of fee based riders. These are the products marketed based on guaranteed accumulation rates, annuitization rates illustrated on a guaranteed/current basis and transparent guaranteed minimum walk away yield. Other features in this vintage approach include: Strong minimum guaranteed interest rates (gains guaranteed) Bailout options if rates fall below reasonable rate Competitive initial base rates and caps No Market Value Adjustment added to surrender Shorter Surrender Periods 3-8 years Strong carrier ratings and higher surplus Simple crediting methods and terminology Focuses on the merits "steak" not the feel good "sizzle" Minimum principal + interest return at end of term/death Compare these fixed annuity types when offering guaranteed accumulation or income options. MYGA - Multi Year Guarantee Annuity (Accumulation) A MYGA guarantees a fixed rate for a set period of time. The surrender period and the guaranteed rate period match in a MYGA. Be aware of the end of term options. The friendliest MYGA's do NOT reset surrender charges after the guarantee period. Instead the product will simply continue to accumulate with a 0% surrender charge thereafter. FIA Fixed Indexed Annuities (Accumulation) The original FIA's were designed to offer a shot at higher than current fixed accumulation rates by allowing the client to participate in an index without the downside risk. Combined

18 with the an annual ratchet that locks in gains, the FIA is a great option for the risk averse saver. The point to point annual reset cap option is one of the simplest and aggressive crediting method. This method is the fastest way to hit the cap as there is no averaging, just a straight look at the increase over the policy year. Look for the highest cap with a minimum cap or "bail out" that is close to the initial cap rate. SPIA Single Premium Immediate Annuity (Income) Immediate income needs can be insured using a SPIA. Clients looking to maximize lifetime income can get the most income using a SPIA. The combination of principal and interest being returned is how the SPIA maximizes income while offering a potential tax exclusion as well. If a client is looking for income in the next 36 month a SPIA calculation should be shown as it may kick off the most income and can offer 20+ years of beneficiary guarantees. Most fee based income riders are being triggered sooner than later, it would appear the SPIA is being underutilized in a big way in that case. If maximizing immediate income for the client is the goal the SPIA is often the champion! Jeff Affronti Marketing, illustrating, studying and selling fixed annuities since Thinking about a using SPIA's? Get immediate annuity quotes and contracting. Call or Click California Insurance License #0B91910