Interest Rates Effective March 6, 2018
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1 MNL BenefitPay Interest Rates Effective March 6, 2018 MNL BenefitPay Year S&P 500 DA Index Margin (No Cap) 1.60% MPP Index Cap Rate 2.20% APP Index Cap Rate 5.40% Daily Risk Control 5% APP Index Margin (No Cap) 2.35% DJIA DA Index Margin (No Cap) 2.20% NASDAQ-100 MPP Index Cap Rate 1.50% Fixed Account Rate 2.50% DA = Daily Average MPP = Monthly Point-to-Point APP = Annual Point-to-Point For more details about the MNL BenefitPay, please call the Midland Retirement Distributors SM Sales Team. The MNL BenefitPay is issued on form AC/AS143A/ICC14-AS143A (certificate/contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-BP10 FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV
2 Interest Rates Effective March 6, 2018 MNL IncomeVantage 7-Year MNL IncomeVantage 7 $250,000+ $20,000-$249, S&P 500 DA Index Margin (No Cap) 2.20% 2.55% MPP Index Cap Rate 1.60% 1.50% APP Index Cap Rate 4.15% 3.75% APP Participation Rate (No Cap) 28% 25% S&P MARC 5% ER APP Index Margin (No Cap) 1.60% 1.90% Daily Risk Control 5% APP w/ Threshold Participation Rates (No Cap) Index Return Threshold 8.00% 8.00% Base Participation Rate 30% 20% Enhanced Participation Rate 110% 110% APP Index Margin (No Cap) 3.75% 4.20% Daily Risk Control 8% Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 4.85% 5.45% Fixed Account Rate 1.70% 1.55% GLWB Bonus 5.00% 5.00% DA = Daily Average MPP = Monthly Point-to-Point APP = Annual Point-to-Point PTP = Point-to-Point GLWB = Guaranteed Lifetime Withdrawal Benefit 6745D-IV7 FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV
3 MNL IncomeVantage Lifetime Payment Percentages Level LPA Increasing LPA Single Annuitant Joint Annuitant Single Annuitant Joint Annuitant Attained Age Percentage Attained Age Percentage Attained Age Percentage Attained Age Percentage % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % For more details about the MNL IncomeVantage, please call the Midland Retirement Distributors SM Sales Team. The MNL IncomeVantage is issued on form AC/AS139A/ICC16-AS146A/ICC16-AS145A.MVA/AS145A (certificate/contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-IV7 FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV
4 Interest Rates Effective March 6, 2018 MNL IncomeVantage 10-Year MNL IncomeVantage 10 $250,000+ $20,000-$249, S&P 500 DA Index Margin (No Cap) 2.15% 2.60% MPP Index Cap Rate 1.70% 1.65% APP Index Cap Rate 4.25% 3.85% APP Participation Rate (No Cap) 30% 28% S&P MARC 5% ER APP Index Margin (No Cap) 1.50% 1.80% Daily Risk Control 5% APP w/ Threshold Participation Rates (No Cap) Index Return Threshold 6.00% 7.00% Base Participation Rate 30% 30% Enhanced Participation Rate 115% 110% APP Index Margin (No Cap) 3.70% 4.15% Daily Risk Control 8% Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 4.80% 5.40% Fixed Account Rate 1.75% 1.60% GLWB Bonus 5.00% 5.00% DA = Daily Average MPP = Monthly Point-to-Point APP = Annual Point-to-Point PTP = Point-to-Point GLWB = Guaranteed Lifetime Withdrawal Benefit 6745D-IV10 FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV
5 MNL IncomeVantage Lifetime Payment Percentages Level LPA Increasing LPA Single Annuitant Joint Annuitant Single Annuitant Joint Annuitant Attained Age Percentage Attained Age Percentage Attained Age Percentage Attained Age Percentage % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % For more details about the MNL IncomeVantage, please call the Midland Retirement Distributors SM Sales Team. The MNL IncomeVantage is issued on form AC/AS139A/ICC16-AS146A/ICC16-AS145A.MVA/AS145A (certificate/contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-IV10 FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV
6 Interest Rates Effective March 6, 2018 MNL IndexBuilder SM 10-Year MNL IndexBuilder SM 10 Most States AK, CA, CT, DE, HI, MO, MN, NV, OH, OK, OR, PA, SC, TX, UT, VA, WA S&P 500 DA Index Margin (No Cap) 2.40% 2.60% MPP Index Cap Rate 1.60% 1.50% APP Index Cap Rate 3.90% 3.75% APP Participation Rate (No Cap) 30% 25% Daily Risk Control 5% (Not available in all states) APP Index Margin (No Cap) 4.10% 4.35% Daily Risk Control 8% (Not available in all states) Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 5.25% 5.60% DJIA DA Index Margin (No Cap) 2.90% 3.15% APP Index Cap Rate 3.05% 2.85% APP Participation Rate (No Cap) 30% 30% NASDAQ-100 MPP Index Cap Rate 1.30% 1.20% Fixed Account Rate 1.75% 1.65% Premium Bands: $75,000+ $20,000- $74, $75,000+ $20,000- $74, Premium Bonus 7.00% 5.00% 7.00% 5.00% Fixed Account 1st Year Yield (Fixed Rate + Premium Bonus) 8.87% 6.83% 8.76% 6.73% DA = Daily Average MPP = Monthly Point-to-Point APP = Annual Point-to-Point PTP = Point-to-Point For more details about the MNL IndexBuilder SM, please call the Midland Retirement Distributors SM Sales Team. The MNL IndexBuilder SM is issued on form AC/AS145A, ICC16-AS145A.MVA (certificate/contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-IB10 FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV
7 Interest Rates Effective March 6, 2018 MNL RetireVantage 10 $250,000+ MNL RetireVantage 10-Year $20,000-$249, S&P 500 DA Index Margin (No Cap) 1.00% 1.30% Daily Risk Control 5% Daily Risk Control 8% MA Participation Rate (No Cap) 80% 75% MPP Index Cap Rate 2.10% 2.00% APP Index Cap Rate 5.40% 5.00% IPT Declared Rate 5.60% 5.30% APP Index Margin (No Cap) 2.35% 2.70% Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 3.25% 3.70% S&P MidCap 400 DA Index Margin (No Cap) 2.20% 2.50% MA Participation Rate (No Cap) 65% 65% APP Index Cap Rate 4.30% 4.00% DJIA DA Index Margin (No Cap) 1.55% 1.85% MA Participation Rate (No Cap) 75% 70% APP Index Cap Rate 4.35% 4.05% NASDAQ-100 MPP Index Cap Rate 1.70% 1.60% APP Index Cap Rate 4.45% 4.15% LBMA Afternoon (PM) Gold Price APP Index Cap Rate 5.35% 4.90% Fixed Account Rate 2.50% 2.30% Premium Bonus 2.00% 2.00% Fixed Account 1st Year Yield (Fixed Rate + Premium Bonus) 4.54% 4.34% DA = Daily Average MPP = Monthly Point-to-Point APP = Annual Point-to-Point MA = Monthly Average IPT = Inverse Performance Trigger PTP = Point-to-Point For more details about the MNL RetireVantage, please call the Midland Retirement Distributors SM Sales Team. The MNL RetireVantage is issued on form AC/AS124A (certificate/contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-RV10 FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. [PRT 08-17]
8 Interest Rates Effective April 17, 2018 MNL Endeavor For applications signed and received in the home office on or after April 17, 2018, the following rates and crediting method options apply. For applications signed prior to April 17, 2018 and received in the home office before April 23, 2018, please contact the Midland Retirement Distributors Sales Team for the rates. For electronic applications (e-apps) submitted on or after April 17, 2018, the following rates and crediting method options apply. For e-apps submitted prior to April 17, 2018, please contact the Midland Retirement Distributors Sales Team for the rates. MNL Endeavor 8 $75,000+ $2,000-$74,999 S&P 500 MPP Index Cap Rate 2.15% 1.85% APP Index Cap Rate 5.75% 4.85% APP Participation Rate* 45% 38% IPT Declared Rate 6.75% 5.60% S&P MARC 5% ER APP Index Margin (No Cap) 0.10% 0.60% Daily Risk Control 5%* APP w/threshold Participation Rates (No Cap) Index Return Threshold 6.50% 7.50% Base Participation Rate 50% 45% Enhanced Participation Rate 120% 100% APP Index Margin (No Cap) 2.00% 3.00% S&P MidCap 400 APP Index Cap Rate 4.35% 3.30% DJIA APP Index Cap Rate 4.40% 3.40% NASDAQ-100 MPP Index Cap Rate 1.70% 1.45% APP Index Cap Rate 4.50% 3.50% RUSSELL 2000 APP Index Cap Rate 4.45% 3.45% EURO STOXX 50 APP Index Cap Rate 6.40% 4.95% HANG SENG APP Index Cap Rate 6.20% 4.75% Fixed Account Rate 2.65% 2.20% *Not available in all states. MPP = Monthly Point-to-Point APP = Annual Point-to-Point IPT = Inverse Performance Trigger For more details about the MNL Endeavor, please call the Midland Retirement Distributors SM Sales Team. The MNL Endeavor is issued on form AC/AS124A/ICC16-AS145A.MVA/AS145A (certificate/contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/ options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-END8 FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV
9 Interest Rates Effective April 17, 2018 MNL Endeavor For applications signed and received in the home office on or after April 17, 2018, the following rates and crediting method options apply. For applications signed prior to April 17, 2018 and received in the home office before April 23, 2018, please contact the Midland Retirement Distributors Sales Team for the rates. For electronic applications (e-apps) submitted on or after April 17, 2018, the following rates and crediting method options apply. For e-apps submitted prior to April 17, 2018, please contact the Midland Retirement Distributors Sales Team for the rates. MNL Endeavor 8 Plus $75,000+ $2,000-$74,999 S&P 500 MPP Index Cap Rate 1.70% 1.40% APP Index Cap Rate 4.25% 3.25% APP Participation Rate* 35% 28% IPT Declared Rate 5.10% 3.50% S&P MARC 5% ER APP Index Margin (No Cap) 1.00% 2.50% Daily Risk Control 5%* APP w/threshold Participation Rates (No Cap) Index Return Threshold 5.50% 8.00% Base Participation Rate 30% 25% Enhanced Participation Rate 100% 100% APP Index Margin (No Cap) 3.25% 4.70% S&P MidCap 400 APP Index Cap Rate 2.95% 1.80% DJIA APP Index Cap Rate 3.05% 1.90% NASDAQ-100 MPP Index Cap Rate 1.35% 1.00% APP Index Cap Rate 3.15% 1.95% RUSSELL 2000 APP Index Cap Rate 3.05% 1.90% EURO STOXX 50 APP Index Cap Rate 4.35% 2.65% HANG SENG APP Index Cap Rate 4.25% 2.65% Fixed Account Rate 2.00% 1.35% Premium Bonus 4.00% 4.00% Fixed Account 1st Year Yield (Fixed Rate + Premium Bonus) 6.08% 5.40% *Not available in all states. MPP = Monthly Point-to-Point APP = Annual Point-to-Point IPT = Inverse Performance Trigger For more details about the MNL Endeavor, please call the Midland Retirement Distributors SM Sales Team. The MNL Endeavor is issued on form AC/AS124A/ICC16-AS145A.MVA/AS145A (certificate/contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/ options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-END8+ FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV
10 Interest Rates Effective April 5, 2018 Guarantee Ultimate Multi-Year Guaranteed Annuity See attached New Business Guidelines for important information about rate lock and product disclosures. Guarantee Ultimate Multi-Year Guaranteed Annuity $200,000+ less than $200,000 Guarantee Ultimate % 1.80% Guarantee Ultimate % 2.20% Guarantee Ultimate % 2.95% Guarantee Ultimate % 2.45% Guarantee Ultimate % 2.55% Guarantee Ultimate % 2.70% Guarantee Ultimate % 2.80% Guarantee Ultimate % 3.05% Guarantee Periods 6-10 are not available in Delaware and Florida. For additional information, please call your financial professional today! If you re a financial professional and would like more information about the Guarantee Ultimate, please call the Midland Retirement Distributors SM Sales Team. The term financial professional is not intended to imply engagement in an advisory business in which compensation is not related to sales. Financial professionals that are insurance licensed will be paid a commission on the sale of an insurance product. The Guarantee Ultimate is issued on form AS150A/ICC17-AS150A (contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-GU NOT FDIC/NCUA INSURED, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL AGENCY REV
11 Guarantee Ultimate II Multi-Year Guarantee Annuity Interest Rates Effective April 5, 2018 See attached New Business Guidelines for important information about rate lock and product disclosures. Guarantee Ultimate II Multi-Year Guaranteed Annuity (California Only) $200,000+ less than $200,000 Guarantee Ultimate II % 1.80% Guarantee Ultimate II % 2.20% Guarantee Ultimate II % 2.95% For additional information, please call your financial professional today! If you re a financial professional and would like more information about the Guarantee Ultimate II, please call the Midland Retirement Distributors SM Sales Team. The term financial professional is not intended to imply engagement in an advisory business in which compensation is not related to sales. Financial professionals that are insurance licensed will be paid a commission on the sale of an insurance product. The Guarantee Ultimate II is issued in California on form AS130A (contract) by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state. 6745D-GUII NOT FDIC/NCUA INSURED, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL AGENCY REV
12 New Business Guidelines Multi-Year Guarantee Annuity Products Rates for applications submitted through an electronic order platform (Affirm, AnnuityNet, Pershing Subscribe) will be based upon the date the financial professional submits the order as long as the order is transmitted by the financial institution and received by Midland National within 10 calendar days. If the order is transmitted and received by Midland National outside of 10 calendar days from the submitted date, the current rates will apply. We require a signed copy of the application to proceed with processing. Rates on 1035 Exchanges/Transfers are held 60 calendar days from the date the order was submitted by the financial professional if the order is transmitted by the financial institution and received by Midland National within 10 calendar days. If the 60th day is on a weekend or holiday, the funds need to be received by the previous business day in order to hold current interest rates. Funds received after 60 days will receive the applicable rates that are in effect at the time of receipt. No exceptions will be allowed for rate holds. Interest rates are subject to change without notice. FireLight and paper applications must be signed prior to the effective date of the change and received in the Home Office within 10 calendar days of the signed date to hold previous rates. For 1035 Exchanges/Transfers, the applicant will receive the greater interest rate in effect at the application signed date or receipt of premium at the Home Office, if premium is received within 60 calendar days of the applicant s signed date. If the 60th day is on a weekend or holiday, the funds need to be received by the previous business day in order to hold current interest rates. Funds received after 60 days will receive the applicable rates that are in effect at the time of receipt. No exceptions will be allowed for rate holds. Interest rates are subject to change without notice. Products Rates for applications submitted through an electronic order platform (Affirm, AnnuityNet, Pershing Subscribe) will be based upon the date the financial professional submits the order as long as the order is transmitted by the financial institution and received by Midland National within 10 calendar days. If the order is transmitted and received by Midland National outside of 10 calendar days from the submitted date, the current rates will apply. We require a signed copy of the application to proceed with processing. Rates on 1035 Exchanges/Transfers are held 45 calendar days from the date the order was submitted by the financial professional if the order is transmitted by the financial institution and received by Midland National within 10 calendar days. If the 45th day is on a weekend or holiday, the funds need to be received by the previous business day in order to hold current interest rates. Funds received after 45 days will receive the applicable rates that are in effect at the time of receipt. No exceptions will be allowed for rate holds. Interest rates are subject to change without notice. FireLight and paper applications must be received in the Home Office the business day prior to the effective date of the change to hold previous rates. Rates on 1035 Exchanges/Transfers are held 45 calendar days from the date the application was received in the Home Office. If the 45th day is on a weekend or holiday, the funds need to be received by the previous business day in order to hold current interest rates. Funds received after 45 days will receive the applicable rates that are in effect at the time of receipt. No exceptions will be allowed for rate holds. Interest rates are subject to change without notice. MNL Prosper Rates for applications submitted through an electronic order platform (Affirm, AnnuityNet, Pershing Subscribe) will be based upon the date the financial professional submits the order as long as the order is transmitted by the financial institution and received by Midland National within 10 calendar days. If the order is transmitted and received by Midland National outside of 10 calendar days from the submitted date, the current rates will apply. We require a signed copy of the application to proceed with processing. Rates on 1035 Exchanges/Transfers are held 60 calendar days from the date the order was submitted by the financial professional if the order is transmitted by the financial institution and received by Midland National within 10 calendar days. If the 60th day is on a weekend or holiday, the funds need to be received by the previous business day in order to hold current interest rates. Funds received after 60 days will receive the applicable rates that are in effect at the time of receipt. No exceptions will be allowed for rate holds. Interest rates are subject to change without notice. FireLight and paper applications must be received in the Home Office the business day prior to the effective date of the change to hold previous rates. Rates on 1035 Exchanges/Transfers are held 60 calendar days from the date the application was received in the Home Office. If the 60th day is on a weekend or holiday, the funds need to be received by the previous business day in order to hold current interest rates. Funds received after 60 days will receive the applicable rates that are in effect at the time of receipt. No exceptions will be allowed for rate holds. Interest rates are subject to change without notice. IMPORTANT: Not all products, index options, or Surrender Charge Periods are approved in all states or financial institutions. Please review the state availability chart for state variations by product, index, and term. Refer to the product disclosure or contract for minimum guaranteed fixed rates and minimum/maximum crediting method rates. 6745D-NB FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV 04-18
13 For more information and illustrations, contact the Midland Retirement Distributors SM Sales Team today! Required Training on our products can be found on our website under the Training Center or on RegEd at Illustrations on our popular SPIA or other annuities can be run on our website. Premium Bonus: Products that have premium bonuses may offer lower credited interest rates, lower Index Cap Rates, lower Participation Rates, and/or greater Index Margins than products that do not offer a premium bonus. Over time and under certain scenarios the amount of the premium bonus may be offset by the lower credited interest rates, lower Index Cap Rates, lower Participation Rates and/or greater Index Margins. GLWB: GLWB Bonus and GLWB Stacking Roll-Up Credit are not applied to the Accumulation Value, only to the GLWB Value, which is used to determine the lifetime payment amount. The GLWB value is not available for withdrawal, surrender or as a death benefit. There is no GLWB Stacking Roll-Up Credit in years when a withdrawal is taken or lifetime income payments have been elected. GLWB Stacking Roll-Up Credit is available if a Required Minimum Distribution (RMD) is required. Index Cap Rates/Participation Rates/Index Margins: Index Cap Rates, Participation Rates, and Index Margins apply to the Index Accounts only. They do not apply to the Fixed Account. The MNL Prosper is issued on form ICC16-AS145.MVA/AS145A (contract), AC/AS124A (certificate/contract), or appropriate state variations by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific fea tures/options, and limitations by product and state. The S&P 500, S&P Multi-Asset Risk Control 5% Excess Return Index, Daily Risk Control 5% Index, Daily Risk Control 8% Index, S&P MidCap 400, and DJIA, Indices ( Indices ) are products of S&P Dow Jones Indices LLC or its affiliates ( SPDJI ) and have been licensed for use by Midland National Life Insurance Company ( the Company ). Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the Company. Products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices. This index is managed to a volatility target, and as a result the index performance will not match the performance of any other index or the markets in general since volatility control tends to reduce both the rate of negative performance and positive performance of the underlying index, thereby creating more stabilized performance. The Daily Risk Control 5% Index and Daily Risk Control 8% Index have been in existence since 8/18/2011. Ending values in years prior to inception are determined by S&P Dow Jones Indices LLC or its affiliates ( SPDJI ) using the same methodology as used currently. The Gold Price Index Option credits interest based on the change in the price of gold per troy ounce in US Dollars as established by the London Bullion Market Association (LBMA) Afternoon (PM) Gold Price and administered by the ICE Benchmark Administration (IBA). The LBMA Afternoon (PM) Gold Price is available at the website We reserve the right to add, remove or revise availability of the Gold Price Index Option, or to substitute a different widely published benchmark for the price of gold for the use in the Gold Price Index Option. The Gold Price Index Option does not constitute a purchase of or direct investment in gold. The Nasdaq-100, Nasdaq-100 Index and Nasdaq are trademarks of the Nasdaq Stock Market Inc. (which with its affiliates are the Corporations ) and are licensed for use by Midland National. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Midland National products are not issued, endorsed, sold or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE MIDLAND NATIONAL PRODUCTS. Russell 2000 Index is a trademark of Russell Investments and has been licensed for use by Midland National. The Product(s) are not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of purchasing the Product. The EURO STOXX 50 is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland and/or its licensors ( Licensors ), which is used under license. The Index Accounts in this Product based on the Index are in no way sponsored, endorsed, sold or promoted by STOXX and its Licensors and neither of the Licensors shall have any liability with respect thereto. The mark and name Hang Seng is proprietary to Hang Seng Data Services Limited ( HSDS ) which has licensed its compilation and publication to Hang Seng Indexes Company Limited ( HSIL ). HSIL and HSDS have agreed to the use of, and reference to, the Hang Seng by Midland National ( the Issuer ) in connection with the Fixed Index Annuities (the Product ). However, neither HSIL nor HSDS warrants, represents or guarantees to any person the accuracy or completeness of the Hang Seng, its computation or any information related thereto and no warranty, representation or guarantee of any kind whatsoever relating to the Hang Seng is given or may be implied. Neither HSIL nor HSDS accepts any responsibility or liability for any economic or other loss which may be directly or indirectly sustained by any person as a result of or in connection with the use of and/or reference to the Hang Seng by the Issuer in connection with the Product, or any inaccuracies, omissions or errors of HSIL in computing the Hang Seng. Any person dealing with the Product shall place no reliance whatsoever on HSIL and/or HSDS nor bring any claims or legal proceedings against HSIL and/or HSDS in any manner whatsoever. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any broker, holder or other person and Hang Seng Indexes Company Limited and/or Hang Seng Data Services Limited and must not be construed to have created such relationship. Insurance products are issued by Midland National Life Insurance Company (West Des Moines, IA). Sammons Institutional Group SM, Inc. provides administrative services. Sammons Financial Network LLC, Midland National Life Insurance Company, Sammons Institutional Group SM, Inc. and Midland Retirement Distributors SM (a division of Sammons Institutional Group) are wholly owned subsidiaries of Sammons Financial Group, Inc. 6745D-NB FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. REV 04-18
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