AmeriMark SM Freedom Annuity Series Quick Reference

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1 Annuity Series Quick Reference Carrier Product Features Schedule % Crediting Rate Strategies Rates As of Fidelity & Guaranty Life Baltimore, MD B++ (Good) for strength. 5 th For most current rating information, call Marketing at , Ext flexible premium deferred fixed indexed annuities* in FL on 12-year products. Allocation Dates: 1 st, 8 th, 15 th, and 22 nd of each month. must be received in good order four business days (not counting the date of receipt) prior to an allocation date. Otherwise, premium will be allocated on the next allocation date. Choice of: Product Bonus Duration : 0% 12 Years SE: 4% 12 Years 7: 0% 7 Years 7 SE: 4% 7 Years Income Rider SM an optional annuity benefit that provides flexible, guaranteed income for life without annuitization. Product and SE: 7 and 7 SE: Roll-up Rate Current Annual Cost 6.25% 70 bps 6.00% or 4.00% 30 bps 10 bps Roll-up amounts are current guaranteed rates. Fidelity & Guaranty Life reserves the right to change these rates for future sales of Income Rider to not less than a minimum guaranteed rate of 3%. 0% administrative and investment charges, guaranteed. Checkbook access. **, Confinement waiver. Substantially equal periodic payments. Systematic income option. Death benefit for all issue ages is greater of annuity value or minimum guaranteed annuity value. Annuitize for full annuity value in Year 6; value years 1 5. No market value adjustment. The greater of 10% of annuity value each year including the first year, or the minimum required distribution associated with the contract can be withdrawn free of surrender charges. 7- or 12-year declining : 13.5, 12.5, 11.5, 10.5, 10, 9, 8, 7, 6, 5, 4, 2% SE (4% bonus): 13.75, 12.75, 11.75, 11, 10, 9, 8, 7, 6, 5, 4, 2% 7: 9, 8, 7, 6, 5, 4, 3% 7 SE (4% bonus): 9, 9, 8, 7, 6, 5, 4% Step Forward Strategy : : 8.50% 100% SE: 7.00% 100% 7: 6.00% 100% 7 SE: 5.00% 100% : 4.50% 100% SE: 3.75% 100% 7: 3.50% 100% 7 SE: 3.00% 100% S&P 500 Monthly : : 2.50% 100% SE: 2.00% 100% 7: 1.90% 100% 7 SE: 1.75% 100% S&P 500 Two-Year Monthly Avg: : 10.00% 100% SE: 9.00% 100% 7: 8.50% 100% 7 SE: 7.00% 100% (S&P 500 ) Three-Year Monthly Avg. With Spread: Spread : 3.00% 100% SE: 5.00% 100% 7: 4.00% 100% 7 SE: 5.00% 100% NEW! (S&P 500 ) Declared Rate on Gain Strategy: : 4.00% SE: 3.50% 7: 3.50% 7 SE: 2.50% One-Year: Declared and guaranteed for 12 months from the date premium is received. : 2.30% SE: 2.05% 7: 2.05% 7 SE: 1.55% Rates effective, and subject to change. Check LegacyNet for updates. $3,000 initial premium on qualified premium. $5,000 initial premium on nonqualified premium. $2,000 premium* (allowed before current oldest reaches age 86). without Annuity Value: 87.5% of premium payments less gross withdrawals, accumulated at a minimum guaranteed interest rate between 1% and 3% (set at the time the annuity is issued). Current Interest Rate: CA, IL, MN, UT, WA: 1.00% (fixed strategy) 1.00% (indexed strategies) All other states: 1.00% Step Forward Strategy : cap is 5%. cap is 3%. S&P 500 Monthly : cap is 1%. S&P 500 Two-Year Monthly Avg: cap is 6%. (S&P 500 ) Three-Year Monthly Avg. With Spread: (S&P 500 ) Declared Rate on Gain Strategy: declared rate is 1%. Based on the issue age of the oldest. : 0 75: 7.50% 76 85: 3.75% SE: 0 75: 6.50% 76 85: 3.25% 7: 0 75: 4.00% 76 85: 2.00% 7 SE: 0 75: 3.50% 76 85: 1.75% See Compensation Schedule for details. Products are distributed by Legacy Marketing Group : Refer to contract for details. Product, features, strategies, and rider are subject to state availability. Certain restrictions may apply. Check current State Approval Matrix. Form Nos: OM-CEIAII , OM-CEIAII-0708-B, OM-CEIAII , OM-CEIAII-0708-B-1, et al. Rider Form No: OM GMWB-FA (01-09). Series: AK 1,4,5,6, AR, AZ, CA, CO, CT 1,2,5,6, DC, DE, FL 3, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN 1,4, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV 1,4, OH, OK, PA, RI, SC, SD, TN, TX 1, UT 1,4, VA, WA*,1,4, WI, WV, WY S&P 500 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Fidelity & Guaranty Life Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the advisability of purchasing the Product. * In WA, products are available as single premium deferred fixed indexed annuities only. Additional premiums do not apply. may be subject to income tax. If withdrawals are made before age 59½, they also may be subject to an IRS penalty tax. It is recommended that tax advisers be consulted. Also known as the Annual Point-to-Point 3-Year High-Water Mark Strategy. Available on products issued on or after January 5, Available on products issued on or after May 16, Available on products issued on or after October 3, Only 7 and 7 SE 2. Two-Year Monthly Average 3. and SE available only to ages Income Rider SM not 5. Three-Year Monthly Average With Spread 6. Declared Rate on Gain FG1171v0912 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS

2 Series Annuity Quick Reference As of Carrier Product Features Bonus / Interest Crediting Options Rates Fidelity & Guaranty Life Baltimore, MD B++ (Good) for strength. 5 th For most current rating information, call Marketing at , Ext Series flexible premium fixed deferred indexed annuity* 0 75 Nonqualified Qualified Allocation Dates: Issued with effective date of the 1st, 8th, 15th, or 22nd of the month. Application and premium must be received in good order two business days (not counting the date of receipt) prior to an allocation date. Otherwise, applications and premium are held without interest until the next available allocation date following the date all materials are received in good order. Index gains vest to date of death. Checkbook access.**, Nursing Home waiver. Terminal Illness waiver. Unemployment waiver. Death of Owner greater of full account value or MGSV at death. Substantially equal periodic payments. Systematic income option. Income Rider SM an optional annuity benefit that provides flexible, guaranteed income without annuitization. o 6.25% roll-up rate. o Current rider cost is 70 bps annually. Annuitize for greater of full account value or MGSV in Year 6+; value or MGSV years 1-5. annuitization is 5 years. No market value adjustment. 7% vesting premium bonus (Bonus is available on initial premium only and is not included in the Income Rider SM income base). 100% vested at death or under Nursing Home, Terminal Illness, or Unemployment waiver. Vesting Schedule Year % Charge-Free Year 1: required distribution (MRD) or substantially equal periodic payments (SEPP). Years 2 9: Greater of MRD, SEPP, or up to 10% of vested account value as of the prior anniversary, less any free withdrawals taken during the current contract year. Schedule % (Refer to State Approval Matrix.) : 10, 10, 10, 10, 9, 8, 7, 6, 4, 2, 0% LT: 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% Additional premium payments will not start a new surrender charge period. Step Forward Strategy : 5.00% 100% Annual 3.00% 100% Monthly 1.75% 100% Monthly Average: 3.00% 100% S&P 500 Two-Year Monthly Average: 7.00% 100% (S&P 500 ) Three-Year Monthly Average: Spread 6.00% 100% Declared Rate on Gain Option:*, 2.50% Fixed Interest Option: 1.55% Declared and guaranteed for 12 months from the date premium is received. Rates effective, and subject to change. Check LegacyNet for updates. $10,000 minimum premium ($2,000 minimum strategy allocation). $2,000 minimum premium (allowed before current oldest reaches age 86). Additional premiums will be allocated to the Fixed Interest Option and may be reallocated to an index option on contract anniversaries only. bonus is not available on premiums. without Value: 87.5% of premium payments less gross withdrawals, and adjusted for any account value reallocations, accumulated at a rate between 1% and 3% (set at the time the contract is issued). Current Interest Rate: AR, FL, ID, KS, MD, ME, MI, NC, OK, SD, TX, VT, and WI Fixed: 1.00% Indexed: 1.00% All other states: Fixed: 1.10% Indexed: 1.10% Step Forward Strategy : cap is 5%. Annual cap is 3%. Monthly cap is 1%. Monthly Average: cap is 3%. S&P 500 Two-Year Monthly Average: cap is 6%. (S&P 500 ) Three-Year Monthly Average: Declared Rate on Gain Option:*, declared rate is 1%. Fixed Interest Option: effective annual interest rate is 1.00%. : 7.00% (Ages 0 75) LT: 5.75% (Ages 0 75) LT in FLORIDA: 7.00% (Ages 65 75) LT in TEXAS: 6.00% (Ages 0 75) s are paid on all premium prior to Year 4. See Compensation Schedule for details. : AR, AZ, CA, CO, DC, DE, FL 1, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI 3, MO, MS 2,3, MT 3, NC, ND, NE, NH 2, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, and WY LT: AK 2,3, FL 1, MA 4, NV, TX, and WA 2,3,5 1. In Florida, is available for ages 0 64; LT is available for ages Declared Rate on Gain Option not available in this 3. Income Rider SM not 4. Step Forward Strategy not 5. Unemployment waiver not Product is distributed by Legacy Marketing Group : Refer to contract, Earnings Rate Update, sales guide, and State Approval Matrix for details. Policy Form Nos: FGL FPDA-EIA (2005); FGL FPDA-EIA-C (3-08), et al. Rider Endorsement No.: ARI-1008(02-11). Optional provisions and riders may have limitations, restrictions, and charges. Indexed interest rates are subject to a cap, spread, or declared rate. Interest rates are effective annual rates. s, spreads, declared rates, and interest rates are subject to change at the discretion of Fidelity & Guaranty Life. S&P 500 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Fidelity & Guaranty Life Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the advisability of purchasing the Product. * Subject to state availability. Certain restrictions may apply. Check current State Approval Matrix. may be subject to income tax. If withdrawals are made before age 59½, they also may result in tax penalties. It is recommended that tax advisers be consulted. Roll-up amount is a current guaranteed rate. Fidelity & Guaranty Life reserves the right to change this rate for future sales of Income Rider to not less than a minimum guaranteed rate of 3%. Also known as the 3-Year High Value Fixed Indexed Interest Crediting Option Rider. Not available in all states. Available on products issued on or after May 16, FG1409v0912 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS

3 Yes! Marie Antoinette would likely agree: With Income Rider SM and 7 SE fixed indexed annuity, clients can enjoy the best of both worlds low cost and competitive payout. This helps them preserve their annuity value so they can respond to life s emergencies or leave more to beneficiaries should they decide not to use the income. Plus, AmeriMark 7 SE s shorter surrender period means clients can access the full annuity value after seven years, with no surrender charge or MVA. That s the cherry on top! HAVE THEIR CAKE AND EAT IT TOO? Here are three examples comparing AmeriMark 7 SE s 4% upfront bonus, 6% roll-up, and 0.30% annual rider cost against a top competitor s 6% vesting bonus, 6.70% roll-up, and 0.75% rider cost:* First Year Fifth Year 10th Year AmeriMark 7 SE and Income Rider A Top Competitor Annuity Value $104,725 $100,559 Rider Cost $315 $845 $5,512 (5.00%) $5,631 (5.00%) Annuity Value $107,675 $100,645 Rider Cost $1,598 $4,785 $7,655 (5.50%) $7,535 (5.25%) Annuity Value $111,480 $105,362 Rider Cost $3,252 $11,265 $11,175 (6.00%) $10,690 (5.50%) To learn more about AmeriMark 7 SE and Income Rider, call or visit AmeriMark 7 SE flexible premium deferred fixed indexed annuity and Income Rider are issued by Fidelity & Guaranty Life Baltimore, MD; product is distributed by Legacy Marketing Group. Subject to state availability. Certain restrictions may apply. Optional provisions and riders may have limitations, restrictions, and charges. Refer to contract, rider, Earnings Rate Update, sales guide, and State Approval Matrix for details. Form No: OM-CEIA-0708-B-1, et al. Rider Form No.: OM GMWB-FA (01-09). The 6% roll-up amount on the Enhanced version of the Income Rider is a current guaranteed rate. Fidelity & Guaranty Life reserves the right to change this rate for future sales of Income Rider to not less than a minimum guaranteed rate of 3%. * Results are based on an analysis of a top-selling income rider and fixed indexed annuity from one of the top indexed annuity competitors, as of June 1, Information is believed to be accurate, but is not warranted. This comparison is based on certain features; it is important that you consider all features, costs, and benefits of an annuity prior to making a recommendation. FG1509v0412 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS

4 SM Annuity Series Quick Reference Carrier Product Features Bonus / Current Crediting Rates Guarantees As of PHL Variable Hartford, CT B+ (Good) for strength. 6 th single premium deferred fixed indexed annuities* 10-year surrender period with vesting premium bonus options up to 11% (varies by state). Product Version Bonus : 0% 8: 8% Plus: 11% LT: 0% LT 5: 5% LT 8: 8% Issue Ages 0 85, Q and NQ. 0 69, Inherited IRAs and Inherited Roth IRAs in CA, IA, and NC. Allocation Dates 1 st, 8 th, 15 th, and 22 nd of the month. Application and premium must be received in good order two business days prior to the allocation date. Otherwise, applications and premium are held without interest until the next available allocation date. Optional Income Command Rider SM. Current annual rider cost: 0.95%. Non-bonus products: 10% annual roll-up. 6-year roll-up period. Bonus products: 7.50% annual roll-up. 10-year roll-up period. Choice of multiple crediting rate strategies, including groundbreaking gold- and swap rate-based strategies. Checkbook access.** Confinement waiver. Systematic withdrawals. Death Benefit Greater of surrender value or annuity value. Includes unvested bonus amounts after Year 3. Availability varies by issue state and product selected. See State Approval Matrix. Vesting Schedule Begins earning interest on the issue date, but doesn t begin vesting until the first day of Year 6. Year LT 5 8, LT 8 Plus 1 5 0% 0% 0% 6 20% 14% 10% 7 40% 28% 20% 8 60% 42% 30% 9 80% 56% 40% % 70% 50% 11 84% 60% % 70% 13 80% 14 90% % Bonus products may have less favorable crediting rates. Penalty-Free Up to 10% of the annuity value each year after the first year, or minimum required distribution (MRD) beginning Year 1 without surrender charges or MVA. 10-Year Schedule (+/- MVA) : 12, 12, 12, 11, 10, 9, 8, 7, 6, 5, 0% 8: 14, 14, 13, 12, 11, 9, 8, 7, 6, 5, 0% Plus: 15, 15, 14, 13, 12, 10, 9, 8, 7, 6, 0% LT, LT 5, and LT 8: 9.00, 8.25, 7.25, 6.50, 5.50, 4.50, 3.75, 2.75, 1.75, 0.75, 0% Point-to-Point With Par. : 1.75% 100% 8: 1.50% 100% Plus: 1.25% 100% LT: 1.75% 100% LT 5: 1.50% 100% LT 8: 1.25% 100% Rising Interest Strategy (100% Par.) Mtplr. : 1.20% : 1.10% 1.50 Plus: 1.00% 1.30 LT: 1.20% 1.60 LT 5: 1.10% 1.50 LT 8: 1.00% 1.30 Monthly Averaging Blended Temporarily Unavailable Gold Strategy Par. : 1.00% 100% 8: 1.00% 100% Plus: 1.00% 100% LT: 1.00% 100% LT 5: 1.00% 100% LT 8: 1.00% 100% Fixed Rate FL, NV, TX : 1.00% NA 8: 0.85% NA Plus: 0.75% NA LT: 1.00% 1.00% LT 5: 0.85% 1.00% LT 8: 0.75% 1.00% Rates effective, and subject to change. Check LegacyNet for updates. $3,000 Q minimum. $15,000 NQ minimum. without Additional premium not allowed. Value is the GREATER of: 1. guaranteed surrender value, or 2. Annuity value less any surrender charges, recovered surrender charges, and MVA. guaranteed surrender value: 87.5% (90% in CA, IA, and NC) of premium (excluding bonus) less withdrawals and deductions, accumulated at the minimum guaranteed interest rate between 1% and 3%. Current minimum guaranteed interest rate: 1.00%. Point-to-Point With : cap is 1%. Rising Interest Strategy: cap is 1%. multiplier is 1. Monthly Averaging Blended: Gold Strategy: cap is 1%. Fixed Rate: interest rate is 0% (1% in FL; 0.25% in NV and TX). : 8.00% (0 75) 6.00% (76 80) 4.00% (81 85) 8: 7.50% (0 75) 5.63% (76 80) 3.75% (81 85) Plus: 7.00% (0 75) 5.25% (76 80) 3.50% (81 85) LT: 7.50% (0 75) 5.63% (76 80) 3.75% (81 85) LT 5: 7.00% (0 75) 5.25% (76 80) 3.50% (81 85) LT 8: 6.50% (0 75) 4.88% (76 80) 3.25% (81 85) s are based on the issue age of the current older. Chargebacks: s paid on free-looked contracts and premiums received within 12 months of full surrender are charged back at 100%. s for premiums received within 12 months of death are charged back at a declining schedule (based on elapsed months) for death. AR, AZ, CA 1, CO, DC, GA, HI, IA 1, ID, KS, KY, LA, MA 2, MD 2, MI, MS, MT, NC 1, ND, NE, NH 3, NM, RI, SD, TN, VT, WI, WV, WY LT CT 4, FL 5, IN 4, NV, OK, SC, TX, UT 1. Issue ages Confinement Waiver not 3. Monthly Averaging Blended 4. No-bonus product only. 5. Waiver of Charges Provision not Products are distributed by Legacy Marketing Group : Policy form No.: 11LIA, et al. Refer to contract, Earnings Rate Update, sales guide, and State Approval Matrix for details. Guarantees are based on the claims-paying ability of the issuing company, PHL Variable Company. Annuities are long-term investment vehicles particularly suited to retirement assets. Annuities held within qualified plans do not provide any tax benefits. Early withdrawals may be subject to surrender charges. are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply. See Compensation Schedule for details. * Subject to state availability. Certain restrictions may apply. Check current State Approval Matrix. ** Draft must be a minimum of $500 and made payable to the Owner s bank. Drafts limited to four per year. Available only to individual U.S. Also known as the Point-to-Point With Multiplier Strategy. PH1047v0912 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. BPD /12

5 BenchMark Reliance SM Annuity Series Quick Reference Carrier Product Features Charge-Free Schedule Cash Value Strategies Guarantees As of American National Galveston, TX Ratings: A (Excellent), the third highest of 13 ratings from for strength. Standard & Poor s A (Strong), the fifth highest of 20 ratings from Standard and Poor s for strength. Ratings as of BenchMark Reliance SM flexible premium deferred annuities* Extra: 0-90 Extra 2: 0-90 Extra 4: 0-85 Florida All versions: 0-64 Choice of extra 2% or 4% first-year interest.* Checkbook access. **, Systematic income options. Confinement waiver. Substantially Equal Periodic Payments. Settlement Options 7, 8, and 9 may be helpful in Medicaid planning. Death benefit is greater of Value or Return of s (less withdrawals) regardless of issue age. When beneficiary elects settlement option, the benefit amount is greater of Annuity Cash Value (+/- any strategy adjustments) or Annuity Cash Value. 10% of Annuity Cash Value each Contract year including the first year, or for qualified Contracts, the greater of 10% or the Required Distributions associated with this Contract. 9% systematic withdrawals. 10-year declining. Extra: 12, 11, 10, 9, 8, 7, 6, 5, 4, 2, 0% +/- MVA 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% Extra 2: 12, 12, 11, 10, 9, 8, 7, 6, 4, 2, 0% +/- MVA 10, 10, 9, 8, 7, 6, 5, 3, 2, 1, 0% Extra 4: 12, 12, 11, 11, 10, 9, 8, 6, 4, 2, 0% +/- MVA 10, 10, 10, 9, 8, 7, 5, 4, 2, 1, 0% One-Year Extra: 2.40% 2.25% Extra 2: 4.35% 4.20% Extra 4: 6.30% 6.15% One-Year Current Market Extra: 1.10% 1.00% Extra 2: 3.05% 3.00% Extra 4: 5.00% 5.00% Index 10-Year Treasury Extra: 1.54% 1.39% Extra 2: 3.49% 3.34% Extra 4: 5.44% 5.29% Index Corporate Bond Extra: 2.71% 2.56% Extra 2: 4.66% 4.51% Extra 4: 6.61% 6.46% Rates effective, and subject to change. Check LegacyNet for updates. $10,000 initial premium. $2,000 on premiums. Each year, total premiums limited to 50% of total first-year premium. premium allowed per contract without Home Office Year-One Extra: 1.00% Extra 2: 3.00% Extra 4: 5.00% Year-Two Extra: 1.00% Extra 2: 1.00% Extra 4: 1.00% Varies by Check current State Approval Matrix. Issue Ages 0-75 Extra: 7.00% 6.75% Extra 2: 6.30% 6.00% Extra 4: 5.60% 5.25% Issue Ages Extra 2: 4.80% 4.50% Extra 4: 4.10% 4.00% Issue Ages Extra 2: 4.80% 4.50% Extra 4: 4.10% 4.00% Issue Ages Extra 2: 4.80% 4.50 % Extra 4: NA NA ( varies for Settlement Option 9. See Compensation Schedule.) No chargebacks after the free-look period, subject to the terms of the Producer Agreement. AR, AZ, CA, CO, DC, DE, FL 1, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY 1. Available only to ages 0 64 in this Products are distributed by Legacy Marketing Group : Refer to contract for details. Policy Form Nos: AN-PBE , AN-PBE , AN-PBE , ICC10-AN-PBE10-0, ICC10-AN-PBE10-2, ICC10-AN-PBE10-4, et al. * Products may not be available in all jurisdictions. Check current State Approval Matrix. in excess of the surrender charge-free amount may be subject to applicable surrender charges, retroactive interest, and/or market value adjustments. may be subject to income tax, and a 10% federal income tax penalty may apply to withdrawals taken before age 59½. Options 7, 8, and 9 may not be available in all states. Medicaid eligibility rules are complex, vary by state, and are subject to change. You should contact an attorney specializing in elder law before recommending the purchase of an annuity to your clients. Available for new money only and will renew at the One-Year base yield in effect on the date of renewal. State-specific variations apply. AN1651v0912 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. LM2216

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